“If you do all the little things right,
you won’t have a big thing to worry about” -Cal Ripken Sr.

Life Insurance
______________________________
This can be the foundation of your financial security and can provide comfort and stability for your family. The purpose of life insurance is to help provide your loved ones with financial protection after you die, in exchange for the premiums you pay to your insurer during your lifetime. Some life insurance policies can provide you with financial protection for the short term, while others accumulate cash value, offering a living benefit that can be used for supplemental retirement income, funding for a child's education, or cash for emergencies.
Access to cash values through borrowing or partial surrenders will reduce the policy’s cash value and death benefit, increase the chance the policy will lapse, and may result in a tax liability if the policy terminates before the death of the insured.

Disability Income Insurance
______________________________
A sudden interruption of income – due to an extended period of sickness or injury – can have serious financial consequences for many of today's employees. If you are lucky, you may receive group long term disability benefits through your employer. However, you will need to make sure the benefits available through your group long term disability coverage are adequate for your needs.

Long Term Care
______________________________
For most of us, it is unpleasant to envision a time when performing routine tasks may become difficult as the result of injury, illness or aging. If the time comes when you need substantial assistance performing daily tasks, it is unlikely you will want cost to be the primary decision-making factor for your long term care. Long term care (LTC) services can be expensive and costs generally continue to rise. Planning early can help ensure that you have more control in receiving the type of care you want — in the setting you choose, should the need arise.

Planning for a loved one who requires special care
______________________________
If you are caring for a person with a disability or other special need—a spouse, a child, sibling, dependent parent or other relative or friend—you should consider our SpecialCareSM program. The SpecialCareSM program, developed exclusively by Massachusetts Life Insurance Company (MassMutual), is an innovative outreach initiative that provides access to information, Special Care Planners, and financial products and services that can help improve the quality of life for people with disabilities and other special needs and their families and caregivers.
Find a Financial Professional
- A. Moghis Mian, MBA, RICP®, LUTCF®
- A. William Dehlendorf
- Aaron Bockman ChFC®
- Aaron Hughes
- Adam Elder
- Alicia Curtis ChFC®, CLU®, CASL®
- Alli Schuessler
- Amanda Luke
- Amy Gleason
- Amy Szablewski
- Andrew Pierce
- Andy Busby
- Anish Shah
- Anthony Sanders
- Arthur R. Riley Jr. CFP®, CEPA®
- Bo Marshall
- Bob Hughes
- Brad Seib LUTCF®, RICP®
- Brad Masek CFP®
- Brady T. Westphal ChFC®, CFS®
- Brian Schmuke
- Brian Lorenz
- Brian M. Roberts CFS®
- Brooks Kickham ChFC®, CLU®, CFBS, CFS® CLTC®, CFS®
- Bruce D. Ward, CFP®, ChFC®, CLU®, RICP®
- Bryan Bolten, ChFC®, LUTCF®
- Caroline Schaupp
- Carrie Bischof
- Charlie Sottoriva
- Cheryl Linn
- Christopher Campo MBA, CFS®, CASL
- Christopher Dearing LUTCF®
- Christopher Kramer MBA
- Chuck Dow
- Cindy Gross
- Dakota Adams
- Dan Marcotte
- Dana Scott
- Danielle Gibbons
- David Emshoff
- David Iannetto
- David Yount, CEPA®, CLTC®
- Derrick Gibbs
- Diane Newell
- Dick Huber
- Dillon Anderson
- Diona Cann
- Don Fitzgerald, CFP®
- Dr. Sharina Smith
- Drew Stevens, PhD
- Ed Drummond
- Edward Sottoriva
- Eliza Chrzanowska
- Elizabeth Wilmes
- Emily Sommers
- Emily Hale
- Eric Delvo
- Ethan Eitel
- Floyd Reed III
- Fred Drummond
- Gary Sutter CLU®, CLTC®
- Greg Pettys ChFC®, CFP®
- Greg Harvey
- Gregory D. Stein
- Ivan Tio
- J. Todd Gentry CFP®, ChFC®, CAP®, LUTCF®
- Jabari Danzy
- Jack S. Treas
- Jacob Swearingen
- Jake M. Cross
- James Warren
- James R. Flores
- Jamie Boydston
- Jane Bertolino
- Janice Miller
- Jason Head
- Jason Puhr
- Jason B. Harness, CLTC®
- Jenna Bennett
- Jennifer O'Keefe
- Jennifer Schwane
- John Weeks CLTC®
- John Dodson
- John Sight MSFS, CLU®, ChFC®
- Joseph Heitkamp
- Julie Avey
- Justin Hennessey CFP®, ChFC®, CLU®
- Jyl A. Barnard ChFC®
- Kalman Kovach
- Kara Perry
- Kara Keys
- Kari Snyder
- Kathy Mueller
- Katie Bennett ChFC®
- Kelia Sjoberg
- Kelly Morrison
- Kim O'Shea
- Kristina Holloran
- Kristy Gates
- Kyle Ortmann
- Lanny Curnes
- Larry Buessing
- Larry R. Gann CLU®, ChFC®
- Leonard "Fritz" Sander Jr.
- Lisa Gleason
- Logan Offner
- Lukas Noll
- Lynn Richmond
- Mackenzie Roach
- Madison Buie
- Mallory Immethun
- Marc Chenot
- Marc Hammer
- Marcus Alstadt
- Maria Alvarez
- Mark Hiatt
- Mary Busby-Simpson
- Matthew Merrick
- Matthew Dulick
- Matthew Laposa
- Matthew Robinson
- Meaghan Keeven
- Megan Knight
- Michael Daley CPA*
- Michael Middleton
- Michael Vanzandt
- Mike Fleming CLU®, ChFC®, CFP®, RICP®
- Monica Ellison
- Morgan Paulson
- Nicholas Dragan CFP®, CRPC®
- Nick Schneider CFP®, ChFC®, CLTC®, CLU®
- Paige Brooks
- Patrick Donlan
- Patty Becker ChFC®
- Philip A. Miceli III
- Phillip Barringer
- Phillip Bacon
- Rachel Burks
- Rachel Tucker-Acharya
- Robert Herdler CLU®, ChFC®, ChSNC™
- Robert Frazier
- Robert "Bob" Munroe
- Roger Lewis
- Roger A. Koch CLU®, ChFC®, LUTCF
- Ryan Paisley
- Sam Norton
- Sam Schell
- Sarah Ringkor
- Saz Shrestha, CFP®
- Scott Sanders
- Scott Hocker, CLF®
- Scott Street
- Scott D. Colby CLU®, ChFC®
- Scott J. Wheeler
- Sean O'Neill
- Shannon Lewandoski
- Shelly Hines
- Stephanie Westwood Rothermich CLU®, CFBS®
- Stephen Lather
- Stephen McGoff
- Steve Draper
- Steven Ehrhard
- Summer Reid
- Ted Morris
- Ted A. Guebert
- Thelma Ruff
- Thomas Hadican
- Timothy Smith ChFC®, CLU®
- Tina Lender
- Todd Guffey
- Trevor Uhls, MBA
- Tyler Roberts
- Valerie Baker CFP®, ChSNC™
- Venessa Van Schalkwyk
- William Difani
- William "Butch" Carson
- Zach Oldham
- Zachary Surgeon