MassMutual's Educational Guide for Business Owners

MassMutual’s Educational Guide for Business Owners

Managing your business is your business.

Helping you prepare for life’s unexpected events is ours.

As a business owner, it all rests on your shoulders. In the event of a disability, it can also rest on ours. Massachusetts Mutual Life Insurance Company (MassMutual) offers a portfolio of disability income insurance products specifically designed for business owners that can help cover your operating costs, provide the funds for small business partnership buy-outs, replace a portion of lost earnings, provide return-to-work benefits and/or help protect your or your employees’ ability to continue saving for retirement during a disability.
Can you handle day-to-day expenses in the event of a disability?
MassMutual’s disability insurance can cover day-to-day business overhead expenses for up to two years if you become too sick or injured to work.

What if you or your business partner became totally disabled?
MassMutual’s disability insurance can provide the funds for the purchase of the insured partner’s share of the business in the event of total disability.

What if one of your employees suffers an illness or injury, making him or her unable to perform the duties of his or her job?
MassMutual’s disability income insurance can be used to fund a Qualified Sick Pay Plan that establishes who to pay, how much to pay, when to start payments, and how long to pay to help keep your expenses predictable, manageable and tax-deductible.1 MassMutual can also help you provide solutions to your employees’ supplemental disability income insurance protection needs through a state-of-the-art, private, secure Internet site that allows them to explore coverage options and apply right online for one of our individual disability income insurance policies.

What about the ability to save for retirement?
If you, your partners or employees become totally disabled before reaching retirement age, each of you may not only lose your ability to earn an income, but you may also lose the opportunity to accumulate additional funds for retirement. MassMutual can help you address this need.

Why MassMutual?
Since 1851, MassMutual’s guiding principle is to do the right thing for its policyowners by building a reputation for quality, integrity and financial strength. Disability income insurance benefits have been provided since 1965, and have helped many people in their unexpected time of need.

As a mutual company, MassMutual does not have shareholders. Instead, its policyowners and members are often described as sharing in its ownership. This generally means that if you are insured under a participating individual policy issued by MassMutual, you are a member entitled to vote for the Company’s board of directors. And if you also own the policy, you may be eligible to share in any dividends the company may declare.2

Assess your needs today.
Your financial services needs and satisfaction with MassMutual are of the utmost importance to us. To help assess your personal and business insurance needs, and to learn more, please visit or


For more information, please contact:

Lisa Frankovich
Financial Sales Representative
CA Insurance License #OG60868
(619) 281-9890

Patricia Ward, LUTCF
Financial Services Representative
CA Insurance License #OG72810
(619) 281-9890


[1] The information provided is not written or intended as specific tax or legal advice. MassMutual, its employees and representatives are not authorized to give tax or legal advice. Individuals are encouraged to seek advice from their own tax or legal counsel.

[2] Certain disability income insurance policies offered by MassMutual pay dividends, if any are declared, to the “premium payor” who may not be the  policyowner. Dividends are not guaranteed.



© 2015 Massachusetts Mutual Life Insurance Company, Springfield, MA 01111-0001. All rights reserved.
MassMutual Financial Group is a marketing name for Massachusetts Mutual Life Insurance Company (MassMutual) and its affiliated companies and sales representatives.