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Funding Agreements

High-quality investment solutions  

High-quality investment solutions

For investors seeking high-quality investments, MassMutual’s financial-strength can give you the confidence to invest in Funding Agreements to help meet your financial accumulation or investment needs.


A Market Leader

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

For Professionals

Advisers want to invest with the knowledge that investor funds will be safe. With more than 168 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.

Partner With Us

Sara Richman headshot

Sara Richman 

Head of Funding Agreements


Sara Richman leads MassMutual’s Funding Agreement businesses, overseeing the design and delivery of solutions for institutional customer...

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, AA3 (High Quality; fourth category of 21); and Standard & Poor's, AA+ (Very Strong). Ratings are as of 6/1/2024 and are subject to change.