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Own your future

Serve your clients with our ultra-competitive protection, planning, and investment services to build a balanced financial practice around your vision.

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Compensation: fuel your financial freedom

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Commission

Whenever you sell an insurance or annuity product, you’ll receive commission. First-year commission is a percentage of your client’s first-year premium.
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Gross dealer concession (GDC) payouts

You’ll be paid a percentage of the GDC for brokerage, advisory, Trust Company, third-party direct business and more.
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Allowances and bonuses

You can also receive allowances and bonuses, awarded at the discretion
of your general agent.
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Renewal commission

In addition to regular commission, you’ll receive commission on any premiums earned in the years that follow your client’s first-year policy.
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Agent financing plans

If you’re a new financial professional, it may take time
to build your business. That’s why we offer subsidies alongside regular commission.

Our average earnings are far from average

We can provide almost limitless growth potential. And our financial professionals' earnings with MassMutual prove it.*

$2.84M

average yearly earnings of our top 25 financial professionals

$1.76M

average earnings of our top 100 financial professionals

$1.22M

average earnings of our top 250 financial professionals

$908K

average earnings of our top 500 financial professionals

Benefits

Rewarding you from more angles

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Health benefits

We protect you from head to toe with coverages that include medical, dental, disability, fertility, adoption, and so much more.
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Retirement benefits

Invest in a solid safety net for later in life. We offer the option for retirement plan participation so you can save in a way that works for you and your immediate needs.
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Additional benefits

We also offer a maternity benefit and personal support to navigate the health insurance system, retirement planning, college preparation, and more.

Our financial professionals say it best

Mark Benun headshot

“MassMutual is the best partner in terms of support. It’s just amazing how much transparency there is in the company”

Mark Benun

MK Cho headshot

“At MassMutual you get to choose which area you want to focus on and you also have great support from your general agent and the home office.”

MK Cho

Sahand Elmtalab headshot

“MassMutual in general has been extremely supportive of branding with a DBA. They’ve been very receptive to the field and changes that we felt needed to be made.”

Sahand Elmtalab

Concierge

Get rewarded for outstanding results

Our three-tier concierge program rewards high-performing financial professionals with a range of exceptional benefits.**
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Gold

We give you priority support for all your day-to-day needs: life, annuity, and disability income new business and underwriting support; in-force service; an exclusive track at the annual support staff fly-in; and more.
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Platinum

Get all the gold benefits, plus a dedicated concierge consultant and access to marketing strategy events.
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Diamond

Get gold and platinum benefits, plus access to holistic book of business analysis and best-practice events for business planning, practice management, and transition planning.

Advisor Teaming

When you team up, everyone wins

We encourage and support financial professionals to work in teams, so they have more resources to work efficiently, meet client needs, and increase revenue.
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Team compensation

Our two team-compensation programs allow you to operate as a true business, with compensation that reflects your team practice and results.
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Team support

Our home office will organize educational call series, provide networking opportunities, and help you strategize to take your practice to the next level.
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Team reporting

Access customized reports that track your individual and team progress and compensation. You'll always know how you're performing against your goals and can plan accordingly.
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Team recognition

Advisor teams share a common practice where everyone contributes to and shares the results they accomplish. That's why we acknowledge your success as a team with recognition awards like Team of the Year.


Recognizing our high-performing financial professionals

It pays to take your practice further. Each year, our top-performing financial professionals are recognized for their growth with networking and career-changing opportunities.

Next-level recognition

These have included:
  • Advisor of the Year and Chairman’s Club
  • Best new advisor of the year
  • Company leaders and product leaders
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Jetting our high-flyers all over the world

Past trips:
  • Bora Bora, Polynesia
  • Kauuai, Hawaii
  • Norwegian Cruise from NYC to Bermuda
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Take your career to the next level

We'd like to get to know you better. Answer a few simple questions to take the next step.

Let's Connect

* Averages based on 7,592 full-time Financial Services Representatives as of December 31, 2022. Financial Services Representatives are independent contractors and are not employees of MassMutual, its subsidiaries, or of General Agents with whom they contract. Earnings based on first-year and renewal commissions. Individual results may vary based on product mix, tenure, and experience.

** Please note: these services are only awarded to financial professionals who perform well in their role and are not available to everyone.