Funding Agreements

High-quality investment solutions

High-quality investment solutions

MassMutual’s historically strong credit rating provides you with the opportunity to invest in Funding Agreements to help meet your financial accumulation or investment needs.

A Market Leader

Top-quality investments for institutions
Excellent historical financial strength ratings
Seamless servicing platform to manage contract terms
Customized solutions

For Municipalities and Advisers

Municipalities and their advisers want to invest with the knowledge that investor funds will be safe. With more than 166 years of financial stability, MassMutual is uniquely positioned to meet those needs. Our Guaranteed Investment Contracts (GICs) are funding agreements that are backed by Massachusetts Mutual Life Insurance Co., one of the most highly rated U.S.-based life insurers. In addition, our GICs may offer more competitive returns than are typically available from money market instruments.

For Institutional Investors

MassMutual offers Funding Agreements that are backed by the full credit quality of Massachusetts Mutual Life Insurance Company. This financial strength, combined with seamless issuance execution and fixed income investment management acumen from a stable of seasoned professionals, can be a powerful investment solution for your institution's funding or accumulation needs.

Financial strength ratings are for Massachusetts Mutual Life Insurance Company and its U.S.-domiciled life insurance subsidiaries, C.M. Life Insurance Company and MML Bay State Life Insurance Company, as follows: A.M. Best Company, A++ (Superior); Fitch Ratings, AA+ (Very Strong); Moody's Investors Service, Aa2 (Excellent); and Standard & Poor's, AA+ (Very Strong). Ratings are as of 10/1/17 and are subject to change.