1. What is the sign It’s feeling confident.
of a good decision? Even in uncertain times.
In a turbulent economic climate, good financial
decisions begin with a strong financial partner.
MassMutual’s strength is grounded in the fact that
we’re owned by policyholders, not stockholders.
Our clients’ needs have always and will always
come first. That’s why we’re committed to a
long term business approach, built around proven
products like whole life insurance.
This philosophy has allowed us to pay dividends
consistently since the 1860s. For 2009, we’ve
approved an estimated $1.35 billion dividend
payout1 to eligible participating policyholders,
reflecting a 7.60% dividend interest rate for new,
eligible participating life insurance policies.2
Our approach has also resulted in a surplus3 of
$8.5 billion to manage unforeseen events, as well
as helped us maintain financial strength ratings that
continue to be among the highest in the industry.4
Experience the power of a good decision. Put our
long term approach and strength to work for you.
TO LEARN MORE ABOUT WHOLE LIFE AND OTHER
FINANCIAL SOLUTIONS, TALK TO YOUR FINANCIAL
ADVISOR OR VISIT MASSMUTUAL.COM/STRENGTH
LIFE INSURANCE + RETIREMENT SERVICES/401(K) PLANS + DISABILITY INCOME INSURANCE + LONG TERM CARE INSURANCE + ANNUITIES + INCOME PROGRAMS
MassMutual Financial Group refers to Massachusetts Mutual Life Insurance Company (MassMutual), its affiliated companies and sales representatives. Insurance products are issued by and ratings apply to
MassMutual, Springfield, MA 01111-0001, and its subsidiaries, C.M. Life Insurance Company and MML Bay State Life Insurance Company, Enfield, CT 06082-1981.To learn more about our mutual structure,
go to www.MassMutual.com/AboutMassMutual. 1Dividends for a given policy are influenced by such factors as policy series, issue age, policy duration, policy loan rate, smoking status and changes in
experience. Dividends are not guaranteed. 2This refers to business written since the MassMutual-Connecticut Mutual merger in 1996. For policies issued prior to the merger, the dividend interest rates
are 7.45% for those issued by MassMutual and 7.40% for those issued by the former Connecticut Mutual. The dividend interest rate is not the rate of return on the policy. Dividends are composed of an
investment component, a mortality component and an expense component. Therefore, dividend interest rates should not be the sole basis for comparing insurers or policy performance. 3Surplus is as of
9/30/08 and is the amount the company has on hand after setting aside reserves to meet projected future obligations. 4A.M. Best Company, A++ (Superior); Fitch Ratings, AAA (Exceptionally Strong); Moody’s
Investors Service, Aa1 (Excellent); Standard & Poor’s, AAA (Extremely Strong). Ratings are as of 11/18/08 and are subject to change. Securities and investment advisory services offered through registered
representatives of MML Investors Services, Inc., Springfield, MA 01111-0001, Members FINRA and SIPC (www.finra.org and www.sipc.org). CRN200902-11343
As seen in the December 5, 2008 issue of the Wall Street Journal.