1. Bringing financial services to your clients
Strategic Alliance Program
| insure | invest | retire |

2. Bring your business full circle
Your clients rely on your expertise and advice to help them
achieve financial growth and security. Now you can offer them
even more.
It’s simple. If you’re looking to enhance your value proposition
to current clients, while creating an opportunity to expand your
client base and your bottom line, then the Strategic Alliance
Program can work for you.

3. By offering your clients access to an expanded array of financial products and services, Massachusetts
Mutual Life Insurance Company’s (MassMutual’s) Strategic Alliance Program can help you develop
additional business with existing clients, and give you an edge over the competition to attract new
clients to your business. The Strategic Alliance Program also allows you the opportunity to increase
your revenue, all while keeping in focus your practice’s most valuable asset – your clients.
In thinking about expanding your financial services, we understand that it takes more than simply
offering additional products. We will work with you each step of the way to conduct needs-based
consultations with your clients designed to help them meet their financial goals. Our products and
services, combined with your expertise and ability to create lasting relationships, will assist both you
and your clients in realizing significant benefits.
Financial services
We’re dedicated to helping clients protect their income, Wealth Protection & Insurance Planning
preserve capital and accumulate wealth. In today’s complex Wealth preservation strategies using insurance products can
business environment, our analysis, financial expertise and help your clients protect against the adverse financial conse-
carefully crafted programs can help bring security for individ- quences of basic human risks – death, disability or outliving
uals, families and business owners. Financial services repre- one’s financial resources.
sentatives* will conduct objective needs-based consultations
• Life Insurance: Term, Whole, Variable**, Universal
with your clients and recommend strategies designed to help
your clients prepare for their financial future. • Disability Income Insurance
• Long Term Care Insurance
Through a Strategic Alliance relationship, your clients will
have access to a full line of insurance and investment products
and services from MassMutual and its subsidiaries:
Wealth Accumulation & Investment Planning
Helping your clients determine an appropriate asset allocation
strategy based on their objectives, priorities and risk tolerance.
• Annuities
• Mutual Funds**
• Money Management Programs**
** inancial services representatives are independent contractors and are not employees of MassMutual, its subsidiaries or of General Agents
F
with whom they contract.
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** Offered through authorized registered representatives of MML Investors Services, LLC.

4. Retirement Planning
A MassMutual financial services representative can Selecting the appropriate retirement strategy can help your
help clients with many of their financial needs. It is clients achieve their financial goals for retirement.
important to note that financial services professionals • Roth IRAs, Traditional IRAs, SEPs
are only able to provide certain services, such as • Annuities
financial planning services, if they are properly
• Profit Sharing Plans
licensed to do so and have satisfied any applicable
• 401(k) Plans
requirements. At MassMutual, it is our goal to help
• Supplemental Executive Retirement Plans
clients realize their financial success by providing the
products and services designed to help meet their • Pension Strategies
needs. A MassMutual financial services professional Estate Planning
will work with other financial services professionals, It is important for your clients to address the accumulation,
when necessary, to help clients reach their use and preservation of assets, as well as the tax and legal
financial goals. concerns when planning their estate. Thorough planning is a
vital step in helping your clients manage their estates.
• Minimize Estate Taxes
Business Planning
• Liquidity to Help Pay Estate Taxes
All businesses – large and small – have unique needs based
• Protect Estate for Future Generations
on their stage in the business life cycle. Identifying core needs
• Assure Proper Asset Distribution
of the business can help your business-owner clients success-
• Tax Reduction Strategies
fully manage their business.
• Charitable Giving Strategies
• Succession Planning
• Key Employee Retention Trust Services
• Employee Benefits The MassMutual Trust Company, fsb offers clients a full
• Employer-sponsored Retirement Plans range of fiduciary and custodial services. The trust company
• Business Overhead Expense Protection can help clients manage their assets through trust and estate
planning services including trust creation, distributions, tax
• Buy-Sell Strategies
filings, and money management.
• Non-Qualified Executive Fringe Benefits
• Executive Bonus Plans
• Deferred Compensation Funding
• Split Dollar Insurance
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5. Local support from a team of professionals
Our financial services representatives offer their commitment to you and your
clients – starting in your community.
Marketing support
We can provide the products easily enough. We can even provide the clients
Marketing will be instrumental
services and case-by-case consultation. But we take it one step further by
in integrating financial services
providing all of these on a local level. Our qualified financial services repre-
into your business, and we want
sentatives are available around the corner to provide the support and resources
to help you succeed. We have
necessary to help ensure your success, and the satisfaction of your clients.
developed the tools, marketing
Through this alliance, you will work with a team of local financial services programs and communication
professionals who are well versed in various financial products and services, vehicles needed to market to your
and have access to resources from a global Fortune 500 organization*. Our clients, and will work directly with
financial services representatives will educate clients on various insurance and you to develop a strategic
investment strategies then perform a needs-based analysis before recommend- action plan.
ing a product or services. Financial services representatives have access to a • Business/Marketing Plan
full range of products from MassMutual and its subsidiaries, as well as other
• Announcement and
quality companies, designed to help meet your clients’ needs. Our driving
Follow-up Letters
philosophy is always to place the interest of the clients first – the unique needs
• Press Releases
and goals of your client will drive the product recommendation.
• Newsletters
• Qualified team of financial services representatives in a local
• Topical Prospecting Letters
MassMutual Agency
• Educational Client Seminars
• Diverse array of products available through MassMutual
• Customizable Marketing
and its subsidiaries
Materials
• Product Illustration Software
• Needs-Analysis System
• Marketing Support
*FORTUNE Magazine, May 23, 2011.
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6. A name you can trust
When working with the Strategic Alliance Program, you’ll be ment or help with the costs of long term care. MassMutual
working with the experience of Massachusetts Mutual Life strives to maintain its strength so that we can continue to
Insurance Company (MassMutual) – a company that meet our obligations to policyholders in the future. That’s
continues to deliver strong financial results and exceptional MassMutual’s commitment – value for our policyholders, for
performance*, and maintains its strength, stability and both today and tomorrow.
continuity for you and your clients. Ours is a tradition of
success that is over 160 years in the making. We take the time
to work closely with you so that you may provide products
and services both you and your clients can trust.
We believe our mutual ownership provides a distinct
advantage. We have no shareholders, so we face no
short-term market pressures to manage quarter-to-quarter
to meet shareholder earnings expectations or to enhance
shareholder value. This allows us to focus on maximizing
policyholder value.
MassMutual’s ability to help you and your clients prepare for
and adapt to an ever-changing world and financial landscape
has kept us in the forefront of the industry for more than
160 years. While our line of products and services continue
to evolve, our commitment to serve our clients remains
constant. MassMutual is committed to ensuring that an insur-
ance policy benefit will be there 10, 20, 30 or more years
from now, when it’s needed to pay a claim, help fund retire-
*To view MassMutual Financial Group’s Annual Report, please visit www.massmutual.com
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7. MassMutual. We’ll help you get there.®
When MassMutual chooses a company with which to do business,
we select only those that meet the strictest criteria of integrity and
consistency. We recognize that you will no doubt do the same.

8. NOT A BANK OR CREDIT UNION DEPOSIT OR OBLIGATION • NOT FDIC OR NCUA INSURED • NOT INSURED BY ANY FEDERAL
GOVERNMENT AGENCY • NOT GUARANTEED BY ANY BANK OR CREDIT UNION • MAY GO DOWN IN VALUE
Securities, investment advisory services and financial planning offered through MML Investors Services, LLC., member SIPC. 1295 State Street, Springfield, MA 01111.
© 2011 Massachusetts Mutual Life Insurance Company, Springfield, MA 01111-0001. All rights reserved. www.massmutual.com. MassMutual Financial Group is a marketing name for
Massachusetts Mutual Life Insurance Company (MassMutual) and its affiliated companies and sales representatives.
BN1000 711 CRN201307-148745