Policyowners pay insurance premiums that MassMutual uses to:

• Cover the expenses of providing protection
• Meet current benefit obligations
• Invest to pay future benefits and generate future value

Retirement plan contributions are invested through MassMutual to help secure future retirements.

Through a disciplined investment process that supports long-term investment performance and prudent risk diversification, MassMutual invests in:

• A variety of asset classes to help meet policyowner commitments
• Strategic operating businesses that capitalize on core capabilities while generating complementary returns

Our earnings help:

• Pay dividends to eligible participating policyowners
• Contribute to capital and surplus
• Support business reinvestment

(Dividends are not guaranteed.)

A framework focused on delivering:

• Competitive risk-adjusted returns
• Diversified product offerings
• Among the industry leaders in financial strength
• High dividends
• Quality service