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2019 Annual & Corporate
Responsibility Report

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Why MassMutual®

Policyowners & Retirement Plans

Policyowners pay insurance premiums that MassMutual uses to:

  • Cover the cost of providing protection.

  • Meet current benefit obligations.

  • Invest to pay future benefits and generate future value.

Retirement plan contributions are invested to help secure future retirements.

Diversified Investment Strategy

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.

Financial Strength & Dividends

Our earnings help:

  • Pay dividends to eligible participating policyowners.

  • Contribute to capital and surplus.

  • Support business reinvestment.
    (Dividends are not guaranteed.)

The Result

A framework focused on delivering:

  • Competitive risk-adjusted returns.

  • Diversified product offerings.

  • Industry leadership in financial strength.

  • Dividends.

  • Quality service.

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Our Purpose and Mission

MassMutual was founded in 1851 in Springfield, Massachusetts, by 31 investors who pooled $100,000 to start writing policies for their friends and neighbors. Our founders knew that creating shared value is a journey that requires discipline, commitment, and a sense of purpose. Nearly 170 years later, despite changing economic conditions, we remain guided by our purpose: help people secure their future and protect the ones they love. In service of our purpose, we operate as a mutual company, promoting strength through interdependence and helping one another. So even today, decades later, there’s never a question as to where our priorities lie. We thrive when our customers and communities do well. We grow by helping generations reach financial independence with targeted solutions, education, and guidance on their own terms.

Our strategic plan is designed to serve our purpose with three areas of focus:

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Staying ahead of disruption

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Evolving our portfolio of business

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Investing in our employees and communities