Serve more client needs with a
broad range of solutions

Our product portfolio can help you build deeper client relationships and support more meaningful financial conversations.

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Our products and solutions

Your clients' financial needs don't fit neatly into a single category, and neither should the solutions you offer. As a MassMutual financial professional, you can help individuals, families, and business owners address protection, retirement, wealth-building, and workplace needs through a broad range of products and solutions.

Hear what our financial professionals have to say

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"I get the opportunity to help families build their wealth. I get to help people out of debt. I consider it a privilege.”

Mary Grate-Pyos

Kyneshia Hubbard headshot

"The availability of products that MassMutual has, allows for a lot more customization than other companies have.”

Kyneshia Hubbard

Samuel Lau headshot

“MassMutual was the one company that offered an open architecture where it allowed me and my team to grow with my clients.”

Samuel Lau

Life Insurance

Life insurance that helps cover a lifetime of needs

Our suite of life insurance products help clients address protection, legacy, business, and long-term financial needs across different life stages.
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Whole life and survivorship whole life insurance

Our participating whole life insurance offers clients life insurance protection, cash value accumulation, and optional riders to help protect the ones they love.
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Term life insurance

MassMutual term life offers affordable, flexible protection with convertibility options that can support your clients' long-term goals throughout every stage of life.
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Universal and survivorship universal life insurance

Our universal life policy is designed for clients who want flexibility in premiums while maintaining the benefits of a permanent life insurance policy.

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Variable universal life insurance

Our variable universal life insurance offers clients a combination of protection, potential account value accumulation, income tax advantages, and additional benefits provided through riders.

Disability

Disability income that makes a difference

Our suite of life insurance products help clients address protection, legacy, business, and long-term financial needs across different life stages.
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Individual disability income insurance

Individual disability income insurance is essential personal protection that can help replace a portion of your clients' income — including bonuses and commissions — with tax-free benefits, should they become too sick or injured to work for an extended period of time.​
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Business overhead expense

Business overhead expense insurance can help ensure the continuity of your clients’ business by helping pay for day-to-day expenses if they become disabled. It helps cover the business overhead expenses that can help keep the doors open for up to two years. Employee salaries, rent, leases, insurance premiums, and utilities can all be taken care of. It can even help pay the salary of a temporary replacement.
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Disability buy-sell

A buy-sell agreement funded with disability income insurance can help safeguard your clients' business by providing the funds necessary for an owner to purchase a disabled partner’s share of the business, up to the terms of the contract.

Annuities

Fitting many client and investor needs

Support retirement-income planning with solutions designed for a range of client goals and risk preferences.
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Income annuities

Income annuities provide your clients guaranteed income, with multiple payout options available, whether they are ready to retire, or still have some time before retirement.
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Fixed deferred annuities

Fixed annuities offer more conservative investors a guaranteed rate of interest with flexible terms to meet their retirement goals. We offer multiple types of fixed products with varying guarantee periods.
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Variable annuities

Variable annuities offer a variety of investment options to choose from, allowing clients the potential to grow assets based on market returns. We also offer multiple guaranteed lifetime withdrawal benefit riders.
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Index annuities

Several fixed index and registered index-linked annuities are available for clients who want to limit market exposure while providing growth.

Worksite Solutions

Worksite solutions

Expand your relationships with business owners by offering worksite solutions that help address employee benefit needs and create opportunities for broader financial conversations.
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Group whole life

Offer your clients a benefit that protects both the short-term and long-term financial wellbeing of their employees with permanent, lifetime protection and built-in guarantees. These include a death benefit, level premiums, and cash value account that stays with them no matter where they go.
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Supplemental health

No one knows when or where an accident or critical illness might strike. Supplemental health plans such as group critical illness or accident insurance give employees access to cash to help pay for medical expenses and diagnostic treatments their health insurance may not cover.
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Executive disability health

Many highly compensated employees can’t get enough disability insurance from a base plan that reflects their added income from bonuses and incentives. An executive disability income plan can help fill the gap and give them the supplementary coverage they need.

MMLIA

MML Insurance Agency (MMLIA)

Complement MassMutual's portfolio with access to additional solutions through MMLIA, providing added flexibility to help meet a broader range of client needs.
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Non-proprietary life, annuities, disability income insurance and long term care

MMLIA offers access to alternative carrier portfolios where our product may not be a fit, or if underwriting outcomes require other options to best serve your clients.
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Property & casualty (P&C)

MMLIA provides access to a wide range of
 personal and commercial P&C products to complement
 our distribution strategy and provide financial planning with home, auto, and other specialty P&C lines.
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Medicare planning

MMLIA provides access to a platform that helps navigate the complexities of Medicare planning by finding a plan based on healthcare needs and helping your clients enroll in just a few minutes.
* MMLIA products are only available to MassMutual financial professionals with a career contract.

Frequently Asked Questions

Eligible financial professionals have access to additional solutions through affiliated relationships and approved platforms.
Open architecture generally refers to access to a broader range of solutions that can help support a variety of client needs. A recruiter can provide additional details about how this approach works within the MassMutual ecosystem.
Having access to a diverse set of solutions can help financial professionals support clients through different life stages and financial priorities, creating opportunities to build deeper and longer-lasting relationships.
Every financial professional's career path is unique. Connect with a recruiter to learn more about products, licensing opportunities, business support, and how a career with MassMutual could align with your goals.

Take your career
to the next level with MassMutual

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

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