MassMutual

For over 170 years, through ups and downs and good times and bad, we continue to believe that we are stronger when we rely on one another.

MassMutual® was founded on May 15, 1851. And as a mutual company, we operate for the benefit of our members and participating policyowners. We manage the company with a focus on their long-term interests and are not subject to the expectations of Wall Street analysts or stockholders. Throughout our history, this focus on the long-term has helped us provide financial and retirement security to millions of people.

Intentionally Mutual
Annual and Corporate Responsibility Report

STRONG FINANCIAL STRENGTH RATINGS

Our success is reflected in our financial strength ratings1, which are among the highest of any company in any industry.

A++ Superior
A.M Best Company

AA+ Very Strong
Fitch Ratings

Aa3 High Quality
Moody's Investors Service

AA+ Very Strong
Standard & Poor's

projector

As of December 31, 2022
MassMutual:

Had nearly
$950.2 Billion
of insurance protection in force
Had nearly
$33.8 Billion
in total adjusted capital2

Dividends

One of the many benefits of purchasing a disability income insurance policy from MassMutual is the opportunity to receive dividends.

Currently, with the sale of a new policy, dividends are illustrated to become payable for participating disability income insurance products at the end of the 5th policy year (6th policy year for California, Florida and Puerto Rico). Any dividends that may be allocated will be paid in cash to the premium payor. The current dividend rate is 10% of premium paid3. Dividends are not guaranteed.

From 2004–2022, MassMutual paid over $350 million in dividends on eligible participating disability income policies.4