MC Marketing

‘ Unlimit’ your future.

Career Opportunities for Experienced Financial Services Representatives

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‘Unconventional’ your career.You have already established your career as a top producer. You’ve built a business that has delivered personal satisfaction and financial success.

So why realign your business to affiliate with a MassMutual agency?

Because MassMutual is committed to building a strong, mutually

your ideas and contributions.

You’re part of an open, entrepreneurial system in which you’re free to help your

innovative products, tools and support so you can do your job well.

MassMutual is committed to a thriving Career Agency System. Our keen focus

on producer success has helped us grow and build an agent-centered culture that

is the envy of the industry.

company that has been around for more than 160 years and has a tradition of

You will be welcomed into an elite group of producers who share your passion

for excellence. Drawing on their expertise and MassMutual’s support, you’ll

Be part of a team that shares your ambitions. Affiliate with a MassMutual agency.

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“ In today’s rapidly changing environment, MassMutual’s Broker-Dealer and Registered Investment Adviser subsidiary, MML Investors Services, LLC, offers a broad base of products and services in combination with responsive personal service, technological resources, and the tools to help you meet the needs of your clients and grow your practice.”

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‘Unconditional’ your expectations. Here are key facts you should know about affiliating with a MassMutual agency.

Additional incentives.

If eligible, you’ll receive a competitive expense reimbursement allowance and

bonus program that rivals the best in the industry.

We deliver services that make a difference.

If you qualify for Blue Chip Circle status, you’ll have access to your own

Relationship Manager and a network of resources dedicated to concierge service

for our top producers.

We help you win clients.

The Sandler Selling System has seminars that give you insights into the client’s

decision-making process, so you can improve your effectiveness in helping

current prospects arrive at the best decisions for them. MassMutual has made

outstanding development program.

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What do your clients need? You have it at your fingertips.

If there is a niche that we’re unable to serve, our relationship with Ash

Brokerage Corporation gives you access to hundreds of other products that

can help you serve more clients’ needs, while also contributing to your

contract validation and credit toward recognition events and conferences.

Blue Chip Circle puts you in the center.

For top producers who qualify, MassMutual’s Blue Chip Circle puts you at

the center of true concierge-level business support.

Relationship Managers are assigned to each Blue Chip Circle member.

importantly, they work with you on your long-term goals and overall prac-

tice management.

As a Blue Chip Circle member, you have priority pre-sale support,

case design, and access to a dedicated in-force service team and highly

Blue Chip Circle members also have access to a graphic design team who

create your marketing brochures, professional stationery, business cards,

advertisements, business presentations and much more.

Your membership also entitles you to discounts to numerous software

programs and publications, networking opportunities with key constituents

“I cannot imagine getting better support than I get from MassMutual. I appreciate that I can pick up the phone, call MassMutual, and talk with an experienced professional who specializes in a business or estate-planning situation. I feel like I have a team of professionals behind me.”

Why affiliate with a MassMutual agency?

· We have an agent- centered culture

· Entrepreneurship drives the mindset and pace

· Business growth and success are the objects of constant and intense focus

· Communication and cooperation are our watchwords

· Relationships are strong, resilient and family-like

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With MassMutual’s resources behind you, you decide how to run your business for maximum growth and profitability. We support advanced planning and needs analysis systems so you have the finest tools to serve your clients’ needs comprehensively and efficiently.

eMoney 360*

who need better ways to capture and control their

platform which advisers can utilize with high net-worth

makes planning recommendations.

Wealth in Motion’s LEAP System

This insurance planning tool differs philosophically from

traditional needs analysis because it calculates proposed

life insurance amounts based on the economic value of

the insured. The theory is to use strategies and insurance

products that create a multiplier effect usually designed

to result in more wealth potential and protection. LEAP is

become a licensee to get access to the system.

Profiles Professional

This needs-analysis tool helps you assist clients with a range

planning, long term care, and college and business planning.

You’re in charge. We’ll give you access to the right tools.

*Must be a registered representative of MML Investors Services, and affiliated with the corporate investment adviser.

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The only broker-dealer you’ll need: Our very own MML Investors Services.

MassMutual is one of the best-known brands in the

insurance industry. What many people don’t know is that

MML Investors Services is one of the nation’s largest

broker-dealers.*

Founded in 1981, MML Investors Services provides

registered representatives with a comprehensive array of

investment products and services to serve their clients’

life or annuity products, Unit Investment Trusts (UITs),

direct participation programs or other instruments.

Take advantage of MML Investors Services’ brokerage

capabilities to access over 5,000 load and no-load mutual

funds available through National Financial Services, LLC

Institutional FundsNetworkSM, a Fidelity Management and

Research Company fund platform that integrates mutual

fund transactions with equity trading.

Easing the transition.

It takes planning and seamless execution to move to a new

broker-dealer, which is why MML Investors Services and

your local MassMutual General Agent are committed to

helping you:

• Examine your current product mix and offering

• Plan the timing of your transition

• Complete all registration requirements and

paperwork, as well as dealer-change paperwork

for your client accounts

• Transfer all eligible client securities brokerage

accounts and eligible Corporate Registered

Investment Adviser accounts

Comprehensive financial solutions offered by MassMutual

Life Insurance

• Whole life• Universal life• Variable universal life**• Term life

Disability Income Insurance

• Individual • Small business owner • Worksite

Long Term Care Insurance

• Facility-services-only policy • Comprehensive coverage policy • Partnership-product approved in more

than 30 states

Annuities

• Deferred variable annuities **• Deferred fixed annuities • Immediate variable annuities **• Immediate fixed annuities • 403(b) tax sheltered annuities

Investment Products and Programs**

• Mutual funds• Securities brokerage services• 529 college savings plans• Unit investment trusts• Investment advisory services***

– Asset management programs– Financial planning

Retirement Services

• Defined contribution plans • Defined benefit plans • Non-profit retirement plans • Non-qualified deferred

compensation plans• Taft-Hartley defined contribution plans

Executive Benefits

• Bank-owned life insurance • Corporate-owned life insurance • Executive carve-out benefits

* Investment News, April 2014

** Must be registered representative with MML Investors Services, LLC to offer.

*** Must be investment adviser representative of MML Investors Services’ Corporate Registered Investment Adviser.

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Agent-centered: It’s not just a buzzword with us.As an established agent, you have many opportunities to maximize your impact and your income through sales management, collaborative practices, agency partnerships and corporate advisory committees, and a range of other paths.

Our underwriters understand your timetables.

Our underwriting team provides fast turnaround on clean cases, a high-retention limit, and

large-case handling expertise.

Got an idea? We’re ready to listen.

To the extent possible, we actively seek out the ideas and input of agents in the formulation

of our strategies, products and service approaches. Our leaders are always in touch with

agents to share perspectives and gather ideas.

Pick up the phone. Talk with an expert.

If you qualify for membership in our Blue Chip Circle, you’ll have access to dedicated

As a member, you’ll have priority status with our estate and business planning attorneys,

business insurance consultants and illustration and product experts.

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When you’re affiliated with a MassMutual agency, you have the ability to earn competitive commissions, incentives and bonuses. We have enjoyed great success in attracting top talent to our Career

Agency System. A major reason for this is our producers’ ability to earn

substantial performance-driven income.

Producers tell us that they appreciate the opportunity to earn bonuses for

persistency and vested renewal commissions, which help to increase their

total compensation package.

What about benefits?*

package to qualifying Financial Services Representatives:

• Company-funded cash-balance pension plan

•

•

• Medical coverage, plus dental and vision

• Flexible spending accounts

• Group life insurance – basic and supplemental

• Dependent life insurance

• Short- and long-term group disability insurance

‘Unlimit’ your potential.

“MassMutual offers producers the ability to build something for themselves, not all by themselves, and the opportunity for unlimited income potential. They also love the idea of being able to work with individuals to help them accomplish their long-

* Eligibility applies to those Financial Services Representatives who hold a full-time career contract (X4X) with MassMutual. Eligibility for subsidized benefits and before-tax coverage is based on meeting certain contract requirements. Benefit provisions are subject to modification or termination.

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‘Unrestrict’ your impact. MassMutual helps you to expand

suit your goals. That’s why we offer customized leadership, training and sales management opportunities that let you broaden your knowledge, using a range of easy-to-access tools and resources.

Stay on the leading edge.

Training and development opportunities help you keep

ahead of the curve.

• MassMutual Academy

faculty and outside industry professionals.

• Personalized advanced training helps you tap

into advanced markets such as estate planning,

• Invitation-only sales and service support

programs help top producers spend less time

overcoming administrative hurdles.

• MassMutual University offers web-based

training to deepen your knowledge about a

• The Sandler Selling System helps you grow

your book of business.

• Advanced designation support helps defray

costs of attaining certain designations such as

CLU and ChFC.

Enjoy the recognition you deserve.

Qualifying agents, along with a spouse or guest, may

be invited to special recognition conferences for

networking, business sessions and good times.

• Top of the Council Conference – Designed for

the elite of MassMutual’s career agent force,

this recognition conference convenes at an

international destination.

• Blue Chip Council Conference – Recognizes our

takes place at an international location.

• Leaders Conference – A family-oriented

conference focusing on practice management,

networking and agent development. Join

colleagues and agency management, sales

managers, brokerage directors and staff.

We sponsor these agent recognition programs as well:

• Agent of the Year and Chairman’s Club – For

the top ten producers who deliver exceptional

performance and leadership.

• Company and Product Leaders – Top producers

in all class years and products are recognized

monthly in our national publication.

• Century Circle – Recognition for quarterly and

annual lives production and meeting or exceeding

the 100-policy sales milestone by year-end.

• Company Sales Contests – We sponsor two

annual sales contests in support of certain sales

or lives goals.

• Blue Chip Circle – Exclusive membership in our

concierge program for top producers.

MassMutual was founded in 1851 and – for over 160 years – we’ve kept our strength, our integrity and our customer focus.

We are a mutual company committed to long-term strength

and customer service, MassMutual is a leading mutual life

insurance company, providing a range of quality products –

life insurance, disability income insurance, long-term care

insurance, annuities, and retirement planning products.

We don’t just talk strong. We are strong.

Take the next step!Join the team who has the resources, experience, passion and commitment to help you take your business to the next level. Your future is waiting.

RC1137 1214 CRN201611-187324

© 2014 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. Local sales agencies are not subsidiaries of MassMutual or its

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MassMutual Financial Group