Our Services

For
Business

Whether you’re looking to offer your employees a comprehensive benefits package, protect your business from the unexpected, or plan for life after the business, we can help.

Workplace Solutions

As the employee benefits landscape continues to evolve, opportunities are opening up for advisors, employers, and employees alike. We see the convergence of retirement, protection insurance, health care, and other voluntary benefits in the workplace as an opportunity to help employers provide employees with new ways to enhance their financial well-being.

Through our Business Owner, Workplace, and Institutional Solutions, we’re able to help you get to where you want to go with your business.

How we help your business

We walk you through a full range of retirement products, plans, and services, as well as an array of insurance products to consider for your business and employees. We provide you with access to innovative and award-winning tools designed to help both employers and employees unlock the power of all their benefits.

Products & Services

We can help reduce your administrative burden and help enable your employees to plan for the future. Through MassMutual, we offer a full range of services across a broad range of markets and products, which allows us to deliver flexible, needs-based solutions.
From fully-bundled, semi-bundled, or investment-only approaches to pension plan services – to combining services for both defined contribution and defined benefit plans, we offer the experience, expertise, and flexibility to help employers achieve their retirement plan goals.
Competitive benefits packages can help attract, reward, and retain key employees. A non-qualified deferred compensation (NQDC) plan can help participants — including highly paid executives — fill the gap between their pre- and post-retirement incomes.
As a business owner, if you were to become disabled, the future of your company could be in jeopardy. However, with a business overhead expense (BOE) disability policy in place, the business can continue to operate even while you are unable to work.
When considering a qualified retirement plan for your employees, you may want to consider two plan types that are designed specifically for small businesses: a Simplified Employee Pension (SEP) and a Savings Incentive Match Plan for Employees (SIMPLE)
Healthcare costs are on the rise and coupling a High-Deductible Health Plan (HDHP) with an Health Savings Account (HSA) can help employees pay for eligible health-related expenses now and in retirement. With its triple-tax benefit, offering employees an HSA gives them a powerful vehicle to help drive their financial wellness.
Life insurance provides a solid financial foundation and serves as a versatile tool for businesses of all sizes. Business owners can use life insurance for additional purposes including protecting their company, family, partners, and key employees from an unexpected death, as well as a benefit to attract and retain top talent.
Whole Life insurance can help employees be more prepared for the unexpected through permanent, portable, lifetime protection with built-in guarantees. Plus, the certificate builds cash value that they can borrow against at any time and for any reason.*
*Access to cash values through borrowing or partial surrenders will reduce the certificate’s cash value and death benefit, increase the chance the certificate will lapse, and may result in a tax liability if the certificate terminates before the death of the insured. Group Whole Life Insurance (GPWL), (policy/certificate forms MM-GPWL-2014 and MM-GCWL-2014, and MM-GPWL-2014 (NC) and MM-GCWL-2014 (NC) in North Carolina), is level-premium, participating permanent life insurance. The GPWL policy and GCWL certificates are issued by Massachusetts Mutual Life Insurance Company, Springfield, MA 01111-0001.
Universal Life can offer employees a more customized approach to life insurance that can flex to meet their evolving protection needs. It offers employees affordable, permanent, portable coverage with flexible premiums and optional guarantees – all of which can help them keep up with the changes in their lives.
Group Universal Life Insurance (GPUL), (policy/certificate forms MM-GPUL-2015 and MM-GCUL-2015, and MM-GPUL-2015 (NC) and MM-GCUL-2015(NC) in North Carolina), is flexible premium, non-participating permanent life insurance. The GPUL policy and GCUL certificates are issued by Massachusetts Mutual Life Insurance Company, Springfield, MA 01111-0001.
Disabilities that affect someone’s ability to work can be a serious issue for businesses of all sizes. Businesses can use DI as an effective planning tool to mitigate risk. Offering DI can also help you to recruit and retain employees.

While it’s impossible to completely prevent accidents, Group Accident insurance can help employees be better prepared for their potential financial impact. After an insured is injured due to a covered accident, it provides the certificate owner with a lump-sum benefit, so they can spend less time worrying about expenses and more time healing.

MassMutual Group Accident Insurance provides limited benefits. Like most group accident and health insurance policies, this policy has exclusions and limitations that may affect any benefits payable. Some benefits have limited availability based on age. Benefits payable are subject to the terms and conditions of the policy. MassMutual has the right to change rates and may cancel the policy at any time. The policy, its name, provisions, covered benefits, and optional riders may vary or be unavailable in some states. See the actual policy or contact your MassMutual representative for specific provisions and details of availability.

Group Accident Insurance (GPAC), (policy/certificate forms MM-GPAC-2015 and MM-GCAC-2015, and MM-GPAC-2015 (NC) and MM-GCAC-2015 (NC) in North Carolina) is limited benefit, non-participating group insurance. The GPAC policy and GCAC certificates are issued by Massachusetts Mutual Life Insurance Company, Springfield, MA 01111-0001

A critical illness – like a heart attack, stroke, or invasive cancer – can have an emotional, physical, and financial impact on certificate owners and their families. Group Critical Illness insurance can provide the certificate owner with a lump-sum benefit, paid directly to them, to help them cover personal or medical expenses.

* A limited supplemental insurance that is also referred to as Group Specified Disease Insurance.

MassMutual Group Critical Illness Insurance provides limited benefits. Like most group accident and health insurance policies, this policy has exclusions and limitations including a pre-existing condition exclusion and reduced benefit period which may affect benefits payable. Benefits vary by age. Benefit amounts, covered conditions and optional riders may vary or be unavailable in some states. Lump-sum benefits are paid for the initial occurrence and, in most states, for up to two additional recurrences of the same covered condition. A waiting/treatment free period between dates of diagnosis is required and there is an aggregate benefit limit per certificate. MassMutual may have the right to change rates and may cancel the policy at any time. The policy, its name, benefits and provisions may vary or be unavailable in some states, and some states require the insured person to have major medical or minimum essential coverage on the effective date of this coverage. For costs, availability and complete details of this coverage, please contact your MassMutual representative.

Group Critical Illness Insurance (GPCI), (policy/certificate forms MM-GPCI-2015 and MM-GCCI-2015, and MM-GPCI-2015 (NC) and MM-GCCI-2015 (NC) in North Carolina) is limited benefit, non-participating group insurance. The GPCI policy and GCCI certificates are issued by Massachusetts Mutual Life Insurance Company, Springfield, MA 01111-0001.

A powerful recruitment or retention tool, our Student Loan Debt Repayment Program can help employees pay down their student loan debt. Employers define eligibility requirements and make payments directly to employees’ student loan providers. These payments are on top of the employee’s regular payments – allowing them to save money, get out of debt faster and improve their financial wellness.

Life insurance solutions for top executives that offer higher death benefit amounts to help their families preserve their current lifestyle.

Improving executive benefit solutions

Offer a powerful solution that can provide substantial additional benefits to your most valued employees.  Executive Group Life (EGL) is a valuable and flexible employer sponsored group life insurance program specifically designed for top performing executives. EGL gives executives access to potentially higher coverage amounts than are typically available under a company-sponsored group term life insurance plan.

With EGL, the executive population is carved out of the company’s group term insurance pool and placed in an executive pool. This strategy excludes the higher coverage amounts from the group term life plan and can decrease the group term life plan costs. Executives can take advantage of the potentially higher benefit value of the insurance products offered under EGL, while the cost to the company is often offset by the reduction in the group term plan costs.

Executive group life insurance policies are issued by Massachusetts Mutual Life Insurance Company, Springfield, MA 01111-0001.

An individual disability income insurance offer for highly compensated employees. Helping to reduce a potential disability income gap and attract top talent.

Protecting executives’ most valuable asset: income

Making Executive Disability Income insurance available to your key executives can reduce the financial risks that disability poses. An illness or injury that prevents these executives from working could cause them to lose a sizeable portion of their income. Employer provided long-term disability (LTD) policies often don’t cover bonuses or incentive compensation, which can create a disability income gap for top performing executives. Executive Group Disability Income insurance can add to employee benefits programs* for highly compensated employees while reducing a potential disability income gap for highly compensated employees.

* Note: There may be implications under the Employment Retirement Income Security Act (“ERISA”) depending on how disability income insurance policies are made available to the employees and whether such an arrangement constitutes an “employee benefit plan” under ERISA. Employers should consult their own tax and legal advisors for further information on potential ERISA implications.

Disability income insurance policies issued by Massachusetts Mutual Life Insurance Company, Springfield, MA 01111-0001. Policies have exclusions and limitations.

Services for your business

Have questions?

Whether you’re looking to offer your employees a comprehensive benefits package, protect your business from the unexpected, or plan for life after the business, we can help. Contact Us today and we’ll help you to develop the right strategy for your business. Our financial professionals are ready to help.

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