As a business owner, you understand that your employees are the lifeline of your business. Helping provide for their retirement can help create a loyal and dedicated employee community. Learn how MassMutual can help you offer retirement benefits that support the long-term financial objectives of your business and those who are critical to its success.

Consider a few of the retirement planning options.


Establishing individual retirement arrangements funded by annuities is easy for small business owners. It may also help you and your employees achieve your retirement savings objectives.

Disability Income Insurance

Disability income insurance can replace a portion of an employee’s earnings in the event of a disability. It can also help protect an employee’s ability to plan and save for retirement.

Life Insurance

Learn how life insurance can supplement* your employees’ retirement planning strategy to help align with the goals of their golden years.

Retirement Plans

Reward and attract talent to your company by helping them prepare for retirement. MassMutual’s wide range of group retirement products and services can help you maintain a long-term retirement strategy.

Terminal Funding Annuity Contracts

Purchase a terminal funding contract to provide your employees the benefits earned from a terminating qualified defined benefit pension plan.

Prefer to speak to someone about retirement plans?


*Distributions under the policy (including cash dividends and partial/full surrenders) are not subject to taxation up to the amount paid into the policy (the cost basis). If the policy is a Modified Endowment Contract, policy loans and/or distributions are taxable to the extent of gain and are subject to a 10% tax penalty. Access to cash values through borrowing or partial surrenders can reduce the policy’s cash value and death benefit, increase the chance the policy will lapse, and may result in a tax liability if the policy terminates before the death of the insured.

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Insurance products issued by Massachusetts Mutual Life Insurance Company (MassMutual), 1295 State Street, Springfield, MA 01111-0001 and its subsidiaries C.M. Life Insurance Company and MML Bay State Life Insurance Company, 100 Bright Meadow Boulevard, Enfield, CT 06082.