1. What is the sign of a good decision?
With today’s market conditions, it’s a
$1.35 billion dividend payout.1
As a mutual company, we’re owned by our policyholders, and our clients’
needs have always come first. That’s why we remain true to our long term
business approach. And it’s a philosophy that has allowed us to pay dividends
1.35
consistently since the 1860s. For 2009, we have approved a $1.35 billion
dividend payout to eligible participating policyholders, reflecting a 7.60%
$ dividend interest rate for new, eligible participating life insurance policies.2
billioN
divideNd pAyouT
Combined with financial strength ratings that continue to be among the highest
in the industry3 and $8.5 billion in surplus4 for unforeseen events, the 2009
dividend payout is another sign of our stability in unstable times. And it is a
reminder to our many participating policyholders that owning whole life from
MassMutual as part of their financial plan is a good decision.
Whole life insurance from massmutual
can help you over the long term. Talk To
your advisor or visiT MassMuTual.coM
LIFE INSURANCE + RETIREMENT SERVICES/401(K) PLANS + DISABILITY INCOME INSURANCE + LONG TERM CARE INSURANCE + ANNUITIES + INCOME PROGRAMS
MassMutual Financial Group refers to Massachusetts Mutual Life Insurance Company (MassMutual), its affiliated companies and sales representatives. Insurance products are issued by and ratings apply
to MassMutual, Springfield, MA 01111-0001, and its subsidiaries, C.M. Life Insurance Company and MML Bay State Life Insurance Company, Enfield, CT 06082-1981. 1Dividends for a given policy are
influenced by such factors as policy series, issue age, policy duration, policy loan rate and changes in experience. Dividends are not guaranteed. 2This refers to business written since the MassMutual-
Connecticut Mutual merger in 1996. For policies issued prior to the merger, the dividend interest rates are 7.45% for those issued by MassMutual and 7.40% for those issued by the former Connecticut
Mutual. The dividend interest rate is not the rate of return on the policy. Dividends are composed of an investment component, a mortality component and an expense component. Therefore, interest
rates should not be the sole basis for comparing insurers or policy performance. To learn more about our mutual structure, go to www.MassMutual.com/AboutMassMutual. 3A.M. Best Company, A++
(Superior); Fitch Ratings, AAA (Exceptionally Strong); Moody’s Investors Service, Aa1 (Excellent); Standard & Poor’s, AAA (Extremely Strong). Ratings are as of 11/5/08 and are subject to change. 4Surplus
is as of 9/30/08 and is the amount the company has on hand after setting aside reserves to meet projected future obligations. Securities and investment advisory services offered through registered
representatives of MML Investors Services, Inc., Springfield, MA 01111-0001, Members FINRA and SIPC (www.finra.org and www. sipc.org). CRN200903-112569
As seen in the November 12, 2008 issue of the Wall Street Journal.