Governance
and Ethics

Our governance stems from, and supports, our mutual ownership structure. As a mutual company, we are able to conduct business and make decisions with the long-term interests of our policyowners and customers in mind. Our structure also enables eligible participating policyowners to receive dividends, which we have paid each year since the 1860s.¹

Effective risk management is integral to our culture and to fulfilling our responsibilities to our policyowners and customers, and it is central to how we operate our business.

Cyber security and data privacy are critical operational and business priorities for MassMutual. To help ensure safe and responsible handling of our policyowners’, customers’, and employees’ data, MassMutual maintains robust cyber security and data privacy programs.

Our annual Sustainability Report details our progress and reflects our commitment to being transparent about our performance.