2010 Corporate Responsibility Report

Contents 1 | A message from our

Chairman, President and CEO 3 | Community 8 | Culture 12 | People 15 | Planet

(This report contains information from Jan. 1, 2010 to April 19, 2011.)

1

A message from our Chairman, President and CEO

I’m barely competent with a hammer, let alone with an electric drill. I know a few others, however, who are measurably better, like the MassMutual volunteer whose skill with a table saw was put to good use, the head of our U.S. Insurance Group, or the retired lawyer from our Government Relations team who was the 2010 Volunteer of the Year for the local chapter of Habitat for Humanity. When you work together with 300 other MassMutual volunteers to build a family’s dream home, you get to know the carpentry skills of your co-workers and their commitment to our community first-hand.

Massachusetts Mutual Life Insurance Company has a

history that now spans over 160 years. As a mutual company,

we have put the needs of people first, managing the company

with the long-term interests of our policyholders and

customers in mind.

We have grown up in Springfield, Mass., employing its

talented citizens, supporting its culture, and providing sweat

equity in strengthening its neighborhoods. We still do. But as

a Fortune 500 company offering products through more than

5,000 financial professionals, our reach is a lot longer than it

used to be.

Today, there are many proud examples of our community

responsibility both here at home and in other communities

where our policyholders, customers and financial profes-

sionals live and work. We do this through charitable giving,

with passionate employee volunteers, with market-specific

resources, and through education programs. And it’s never

an after-thought.

Operating responsibly within these diverse communities is

something we hold ourselves accountable for, and we are

excited by the opportunities to help make positive changes in

the lives of so many people that also benefit our business:

• One opportunity is in helping develop a future

workforce for Springfield, its surrounding

communities, agent communities across the

country – and for MassMutual. We do this through

successful education programs like the Career

Pathways initiative we’ve created or the scholarships

our agencies award to multicultural students in nine

metropolitan areas, from Atlanta to Denver, San

Francisco to Miami.

2

In early December, nearly seven months to the day when

we raised that first wall, I was invited back to help dedicate

the dream house we built. There were speeches, lots of hand

shaking, and the keys were handed over to the beaming first-

time homeowners – along with the LifeBridgeSM insurance

policy the family had applied for earlier in 2010. LifeBridge

is MassMutual’s unique free life insurance program where

we pay the premiums to help eligible parents and guardians

protect their dream of an education for their children. As of

Dec. 31, 2010, LifeBridge policies have been given away in

all 50 states and the District of Columbia, totaling more than

half a billion dollars in life insurance.

The experience was a great opportunity to see what is

possible – and what MassMutual is doing as a company that

truly cares – when you make the decision to put people first.

Roger Crandall

Chairman, President and Chief Executive Officer

• Environmentally, we believe using alternative,

sustainable energy and reducing the company’s

strain on existing sources – all while operating more

efficiently for the benefit of the company and our

policyholders – is an ongoing opportunity for change.

So, among other changes, this past year we installed

more than 600 solar panels on the roof at our State

Street headquarters.

• Another opportunity to make positive change contin-

ues to be addressed by providing insurance coverage

for breast cancer survivors, something we have been

doing since 1964. As a company we understand that

the marketplace we operate within is made up of

diverse consumers with individual histories and life

concerns, and making it possible for more breast

cancer survivors to qualify for coverage with shorter

waiting periods and lower premiums is just one way to

support and bring awareness to a very important issue.

Developing, supporting and providing all these programs

is certainly part of a good business model, but also is the

responsible thing to do when you have the financial means

and the desire to help others and bring about change.

“Developing, supporting and providing all these programs is certainly part of a good

business model, but also is the responsible thing to do when you have the financial means and the desire to help others and bring about change.”

3

Community

MassMutual Career Pathways

MassMutual has a long history of supporting education

initiatives with a focus on attracting and retaining diverse

talent from within our communities. We support our educa-

tion efforts through our Career Pathways programs, which

raise awareness by providing information to students,

parents and educators regarding careers at MassMutual and

within the financial services industry. The program connects

eligible students to MassMutual scholarships, skills training

and development, mentoring, internships and opportunities

for employment.

MassMutual Academic Achievement Program

Eligible high school students in Springfield, Mass., who

maintain a B-or-better average for four consecutive marking

periods are recognized as MassMutual Academic Achievers.

Achievers become eligible for incentives to help them

continue their academic success, including free access to

the PSAT exam and workshops on college admissions,

financial aid and career exploration. MassMutual Academic

Achievers have access to our Career Pathways initiatives,

MassMutual believes the best way to support the communities in which we live and work is by contributing to the education, health and financial well-being of the people who make up those communities.

Charitable Giving MassMutual helps enhance the quality of life across our

communities by supporting efforts within our focus areas

of education and career pathways, economic development

and community vitality. We do this through grant making

and various collaborative efforts. Over the past five years,

MassMutual has provided more than $33 million through its

local and national programs.

Education

LifeBridgeSM – Free Life Insurance Program

Our unique LifeBridge Free Life Insurance Program

provides $50,000 term life insurance policies free-of-charge

to eligible parents or guardians. We pay the premiums and

our agents drive the program in their communities. If an

insured parent or guardian dies during the 10-year term, a

$50,000 benefit funds a trust serviced by our trust company

to pay their children’s educational expenses (trust services

are provided by the MassMutual Trust Company, fsb, a

wholly owned stock subsidiary of MassMutual). Our goal is

to give away $1 billion in coverage. As of Dec. 31, 2010, we

are well over halfway to our goal, having provided more than

$580 million in free life insurance coverage across

the country.

4

MassMutual Scholars Program (in select agent communities)

MassMutual is working to expand access to the opportunity

of higher education for citizens who reflect the rich cultural

diversity of our country. We want to increase the number of

multicultural students completing college nationally, raise

awareness of careers in financial services, and recruit and

retain the top talent touched by our programs.

In 2010, MassMutual awarded $135,000 in scholarships and

offered internship opportunities in select markets to eligible

college students of African American, Hispanic, Asian and

Pacific Islander descent interested in pursing a career in the

insurance and financial services industry. Eligible scholars

must be attending a college or university or reside in one

of nine different metropolitan areas: Atlanta, Central New

Jersey, Miami, Chicago, Houston, San Antonio, Denver, Los

Angeles, or San Francisco.

including the Junior Achievement Stock Market Challenge,

Job Shadow Day, and internships, as well as the MassMutual

Scholars Program. In 2010, more than 700 Springfield

high school students earned recognition as MassMutual

Academic Achievers.

MassMutual Scholars Program (in our home office communities)

Eligible students interested in careers in financial services

can apply for one of the 40 $5,000 renewable MassMutual

scholarships we give away (renewals are based on academic

performance). For details and to apply online, visit

The Community Foundation of Western Massachusetts

(www.communityfoundation.org/massmutual). Scholarship

recipients are also eligible to apply for internships at

MassMutual that will provide them with hands-on experi-

ence in the financial services industry.

These college-bound high school seniors from Hampden (Mass.) and Hartford (Conn.) counties were selected from peer applicants to receive one of the renewable $5,000 scholarships through the MassMutual Scholars Program.

5

State Street Alliance

Working closely with city officials, MassMutual helped

convene a group of more than 60 property owners,

academic institutions, community-based organizations, and

neighborhood groups to form the State Street Alliance. This

group’s primary mission is to develop, promote, support

and implement a comprehensive economic development

strategy for the State Street corridor, a 3.2 mile central artery

of the city. MassMutual’s leadership in forming the State

Street Alliance was essential to the commissioning of a

comprehensive redevelopment program, which outlines a

framework for the corridor’s revitalization.

DevelopSpringfield

MassMutual championed the creation of DevelopSpringfield,

a non-profit 501(c)(3) corporation formed with the purpose of

developing and implementing creative revitalization strate-

gies, and development initiatives, all of which

support sound residential, commercial and industrial

development opportunities.

HOME Program

Our Home Ownership for MassMutual Employees (HOME)

program was created to provide employees of MassMutual,

MassMutual International LLC, The MassMutual Trust

Company fsb, and MML Investors Services, LLC the

opportunity to realize their dream of homeownership. The

program has been carefully designed to enhance employees’

quality of life by providing education and information on

various aspects of homeownership, access to materials and

services, and annual awards of forgivable loans of $7,500 or

$10,000 to qualified employees.

Junior Achievement®

Employees across MassMutual continue to volunteer their

time and business knowledge with Junior Achievement

(JA), the world’s largest organization dedicated to educating

students in grades K-12 about entrepreneurship, work readi-

ness and financial literacy through experiential, hands-on

programs. MassMutual and JA work together with area

students on the Stock Market Challenge, Job Shadow Day,

and at MassMutual’s Building Your Future Conference every

January. Our work with JA has earned us recognition by

Junior Achievement USA as a Top 10 Volunteer Resource

Provider in the U.S. (2009) as well as the President’s

Volunteer Service Award (2010), presented to honor

corporations that provide classroom volunteers to teach JA’s

educational programs.

Economic Development MassMutual seeks to serve as a catalyst for economic

development in the city of Springfield and support the

implementation of strategic development initiatives.

These initiatives are helping to drive the redevelopment of

the State Street corridor and its adjacent neighborhoods.

“MassMutual seeks to serve as a catalyst for economic development in the city of

Springfield and support the implementation of strategic development initiatives.”

6

United Way Once again in 2010, MassMutual and its employees were a

top corporate contributor to the United Way of the Pioneer

Valley. Our annual community campaign also supports the

United Way of Central and Northeastern Connecticut, as

well as United Way organizations in our agent communities.

Through the annual fall pledge drive and special events,

employees and our eligible General Agents gave more than

$1.2 million to the United Way and the company matched

their donations up to $1 million. MassMutual employees

also reached out to non-profit organizations in neighbor-

ing communities, offering their time, skill, and energy on

the annual United Way Day of Caring. In 2010, close to

1,000 MassMutual employees volunteered, performing

tasks ranging from painting and landscaping to long-overdue

building maintenance.

Curb Appeal

MassMutual is providing $150,000 over three years to fund

grants of up to $5,000 each to income-eligible homeowners

in neighborhoods along the State Street corridor. Grants can

be used for a broad range of exterior home improvements,

from landscaping to roofing. The Curb Appeal program

is administered by Springfield Neighborhood Housing

Services, a local housing non-profit whose mission is to help

transform families and rehabilitate blighted

residential properties.

Habitat for Humanity®

Over the course of seven months in 2010, more than

300 employees from MassMutual worked with Habitat for

Humanity and other community volunteers to help build a

home for a family of first-time home buyers. MassMutual

and its subsidiary, Babson Capital Management LLC,

provided more than $100,000 to fund the project while

MassMutual’s employees provided more than

2,000 volunteer hours.

More than 300 MassMutual employees helped build a home for a family of first-time home buyers, providing more than 2,000 volunteer hours.

7

Answering the call in his community

“I could not change what happened to my grandmother, but I could work to help an

organization that actively calls seniors and makes sure others like her won’t ever be alone.”

– Alberto “Tico” Gutierrez

When MassMutual financial professional Alberto “Tico” Gutierrez was 14, his grandmother died. For some time before her death, she was lonely and afraid but said nothing, he recalled.

So, when Gutierrez heard about the Switchboard of Miami’s Senior Never Alone program, he immediately thought “this could have helped her.”

Today, and for the past 10 years, Gutierrez has regularly donated countless hours on behalf of the Switchboard of Miami, Inc., a comprehensive telephone crisis, information and outreach service for Miami-Dade County. He has even served on its volunteer Board of Directors.

Gutierrez decided to apply for a Community Service Award, a competitive grants program available to eligible MassMutual financial professionals in which grants are provided to non-profits on behalf of their extraordinary volunteer efforts. His tireless volunteer service earned him the first-ever Community Service-Volunteer of the Year Award established to honor an extraordinary member of the company’s extensive field force. A $25,000 grant was made on behalf of Gutierrez to the Switchboard of Miami, Inc.

Gutierrez is the shining example of so many MassMutual financial professionals and employees who answer the call to volunteer and be active members of their home communities. His work with Switchboard of Miami, Inc. includes planning, logistics, hauling supplies, even answering phones. In fact, Gutierrez was volunteering at the Switchboard benefit golf tournament the moment he received the news of his award.

“I could not change what happened to my grandmother,” he said, “but I could work to help an organization that actively calls seniors and makes sure others like her won’t ever be alone.”

8

We have the desire and means to help people with diverse backgrounds and experiences with their unique needs.

Special Needs

Special Care

The SpecialCareSM program, developed exclusively by

MassMutual, is an outreach initiative that provides access

to information, specialists, 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. Learn more about SpecialCare at

www.massmutual.com/specialcare.

study of parents of children with autism. This study is the

basis of the 2011 public television documentary “Autism:

Coming of Age,” which we proudly sponsored.

MassMutual also sponsors two events throughout the year:

Disability Awareness Nights (DAN) and Easter Seals Walk

With Me. DAN pays tribute to the 51.2 million Americans

with disabilities, their families and caregivers (“Americans

with Disabilities: 2002,” US Census Bureau, May 2006).

The Easter Seals Walk With Me fundraiser brings partici-

pants together who walk to make a difference in the lives of

those with a disability.

Women

Pearls of Wisdom®

This MassMutual seminar goes beyond basic financial

concepts and explores the emotions behind real-life situa-

tions that drive financial decisions. Intended for women of

all ages, ethnicities and income levels, this seminar fuses

intuition and intellect into a relaxed, informative setting

where anyone can feel comfortable talking about money and

related concerns with other women.

Breast cancer awareness

For years, MassMutual has had an unwavering commitment

to breast cancer awareness and education. In fact, since

2005, the company has contributed more than $500,000 to

cancer-related organizations across the country.

• Thanks to the continuous evaluation of underwriting

guidelines, MassMutual has been able to provide life

insurance protection to eligible breast cancer survi-

vors, and their families, for more than 45 years.

Culture

Easter Seals

MassMutual sponsored the Easter Seals “Living with

Disabilities” 2010 study which looked into the lives of

adults living with disabilities. Results of the study were

presented locally through our General Agents and Special

Care Planners, working with Easter Seals and conducting

community forums. In 2008 we sponsored the “Easter Seals

Living with Autism” study, which is depicted as the first-ever

9

Diversity and Inclusion

Working to Achieve Equality

For the fourth consecutive year, MassMutual received

the highest rating of 100 percent in the annual 2011

Corporate Equality Index survey conducted by the Human

Rights Campaign (HRC), which recognizes efforts to

establish and encourage workplace equality for lesbian,

gay, bisexual and transgender (LGBT) employees. Index

ratings are based on factors like nondiscrimination policies,

diversity training, and benefits for domestic partners and

transgender employees.

Supporting Professionals

In the home office, MassMutual has employee resource

groups (ERGs) that support the enterprise-wide diversity

and inclusion strategy. Currently, MassMutual has

six ERGs made up of more than 1,300 employees and

representing African-American; Hispanic-American;

Asian-American; Lesbian, Gay, Bisexual and Transgender;

Young Professionals; and a Multicultural ERG in our

Memphis location. Each ERG focuses on six strategic areas:

recruitment, retention/development, community outreach,

awareness and education, brand recognition/marketing,

and networking. MassMutual is supporting our agents by

connecting them with female thought-leaders throughout the

country through our affiliation with local organizations such

as Women on Course® and the American Woman’s Society

of Certified Public Accountants.

• During National Breast Cancer Awareness Month

every October, MassMutual makes donations

to area American Cancer Society chapters or

related organizations across the country for every

MassMutual Pearls of Wisdom® seminar hosted by

a MassMutual financial professional in their local

community. In 2010, the seminars provided more

than 2,400 women, their families and friends with

access to a wide range of information on financial

strategies. This produced more than $125,000 in

donations for research, detection and treatment

programs for those battling breast cancer.

• Since its inception in 1998 following the loss to breast

cancer of a dear friend of the co-founders of Vera

Bradley, the Vera Bradley Foundation for Breast

Cancer has raised more than $10 million in an effort

to search for a cure. MassMutual has joined forces

with Vera Bradley by supporting the Foundation’s

ambassador, Heidi Floyd, across the nation to

share her story of survivorship and to speak about

MassMutual’s commitment to providing insurance to

eligible breast cancer survivors.

• The 2010 Trek Women Triathlon Series was a

combined swim, bike and run/walk race for women

that took place at several locations nationwide. At

each of the races, MassMutual served as host for

breakfast with members of Team Survivor, who share

their stories and connect with other survivors. Team

Survivor’s programs are open to women in all stages

of treatment, recovery and survivorship, and provide

free support for breast cancer survivors as they work

toward their fitness goals.

10

Diversity Fellowship

In collaboration with Goodwin Procter LLP, a lead-

ing national law firm, MassMutual created a Diversity

Fellowship to promote diversity in the legal profession.

Through this fellowship, the firm awards a stipend of

$15,000, funded by MassMutual, to a minority law student

who demonstrates exceptional academic performance,

outstanding leadership, involvement in minority student

organizations, a commitment to community service, and

other special achievements and honors.

Recruiting

MassMutual is building strategic partnerships with orga-

nizations that can support our diversity goals, including

the National Association of Black MBAs, the Association

of Latino Professionals in Finance and Accounting, the

National Association of Asian-American Professionals,

IT Senior Managers Forum, Out and Equal, and the

Massachusetts Gay and Lesbian Bar Association. In addi-

tion, we actively recruit in diverse communities to bring in

more agents, general agents and sales managers.

Multicultural Markets

Diversity and inclusion efforts also include work to ensure

policyholders and customers are given a voice and receive

the specific support they need. MassMutual actively markets

to multicultural communities and has conducted agent and

consumer research to better understand the markets and

opportunities that exist within them. We use this information

to create relevant, meaningful resources for our clients and

producers that focus on the markets in which we’re active:

African-American, Asian-Indian, Chinese, Hispanic, and

Korean consumers. Across each area of focus, we create

programs that address the needs of the consumers in their

local market.

11

Diverse cultures, with one common thread

“Every day I think of how kind MassMutual has been to me and

whenever I have enough money I want to follow their example and help others

achieve their dreams.”– Elizabeth

Angelica is taking care of her infirmed mother and a younger sibling, is working two jobs, and studying to become the first in her family to graduate from a four-year college.

Sophie grew up in the foster care system and is a 29-year-old single mother of two. She wants to be a CPA.

Daniel is the son of Mexican immigrants studying accounting at the University of Houston.

Their diversity of culture and experience is apparent. What isn’t so evident is what the three students share – they are each recipients of a MassMutual Scholars Program scholarship.

The company awarded a total of $135,000 in scholarships to high-achieving multicultural students in nine different metropolitan communities. As part of the program, recipients may have access to internships, networking, job shadowing and employment opportunities.

Applicants must demonstrate an interest in pursuing a career in the insurance and financial services industry, like Elizabeth, the Guatemalan woman now studying at the University of Colorado. She gave up her studies after immigrating to the United States and worked until saving enough to return to school. Struggling to continue working, pay rent and afford tuition and books, the dedicated finance student cried the day she learned of winning the MassMutual scholarship.

“Every day,” Elizabeth wrote, “I think of how kind MassMutual has been to me and whenever I have enough money I want to follow their example and help others achieve their dreams.”

12

People

At MassMutual we are busy empowering our own people with the necessary knowledge, tools and support to plan for a happy and healthy life at home, at work and out in their communities.

Volunteers in Action This home-office program encourages the volunteer efforts

of our full-time employees and retirees by awarding grants

on their behalf to eligible non-profit organizations to which

they donate their time and talent. Individuals can apply for

a $750 grant for the non-profit organization with which

they volunteer. Each year, a Volunteer in Action grant

recipient is recognized with the “Winner’s Circle Award

for Community Involvement” based on their exemplary

and extraordinary commitment to their volunteer cause.

A second grant, of $2,000, is made to the award winner’s

volunteer organization.

Community Service AwardsMassMutual’s annual Community Service Awards program

recognizes the selfless hours of volunteer time that members

of our sales force put in during the year to improve their

respective communities. In 2010, we distributed $125,000

to eligible non-profit organizations based on the volunteer

efforts and the commitment of the MassMutual financial

professionals who work with them. Since the program’s

inception in 1996, MassMutual has contributed more than

$1 million to charitable organizations across the country.

And, 2010 marked the first time a $25,000 Community

Service – Volunteer of the Year Award was granted, along

with ten $10,000 grants to various organizations.

13

Employee WellnessEmployees remain our most vital resource, and their health

has a direct impact on individual productivity and success

as well as the profitability of our company – all of which

impacts our policyholders and customers. In the home

office, Employee Health Services offers employees access

to on-site medical professionals and services, such as blood

pressure, blood sugar, and cholesterol screenings, worksta-

tion ergonomic reviews, smoking-cessation resources, stress

management courses, personal health seminars and Wellness

Activity Centers supporting fitness. Our “Live Healthy Live

Well” program continues to offer eligible employees, agents

and their spouses or domestic partners a confidential, online

wellness assessment, as well as additional incentives and

proactive steps to address their health and wellness needs.

MassMutual Chairman, President and CEO Roger Crandall is

a member of the American Cancer Society’s CEOs Against

Cancer. He is part of an elite team of chief executives of

leading businesses, representing millions of workers world-

wide, who not only support the American Cancer Society

mission, but also work to enhance intellectual exchange and

develop future diverse cancer-fighting solutions.

Winners Circle In 2010, another 115 employees were welcomed into the

Winners Circle, a program that recognizes employees for

excellence in service and leadership, as well as for commit-

ment to volunteer work in our communities. These awards

all share a foundation in our Winning Ways, the behaviors

we expect all our employees to demonstrate every day –

Focus on the Customer, Act With Integrity, Value People,

Work Collaboratively, and Achieve Results.

Community Activities We encourage employees to become involved in the

community by providing time away from work for

company-sponsored volunteer activities within our focus

areas of education, economic development and community

vitality. Company-sponsored volunteer activities include our

work with the United Way, Junior Achievement, Habitat for

Humanity and various Career Pathways programs. Through

the Law Division’s pro bono program, volunteer lawyers

and paralegals donate their time to provide representation to

indigent clients at the Springfield (MA) Housing Court.

In 2010, more than 1,500 MassMutual employees volun-

teered their time and talent to a variety of human services

organizations and other programs – amassing more than

10,000 total volunteer hours.

Matching Gifts We recognize the generosity of our eligible employees,

General Agents and agents by matching their charitable

donations to qualified non-profit organizations, providing

over $900,000 in matching gift support in 2010.

Food, Coats and Toys Collection drives to support those in need are another way

employees can support Western Massachusetts and Northern

Connecticut communities. Internal committees made up

of employee volunteers donate their time managing food,

coat and holiday toy collections throughout the year. Since

inception, over 6,000 employees, including those from

Babson Capital Management LLC, have participated in

supporting these events.

14

Helping his community help its children

“I thought the MassMutual LifeBridgeSM program would be an asset

to the children in our community.”

The Reverend William Buie is passionate about supporting his community. As a husband and father, he’s also passionate about protecting his family. When he met with Kasper Mingo, his MassMutual financial professional, they talked about ways to do both.

Using whole life and disability income insurance, William now has a plan that helps protect his wife and son if he’s ever unable to work due to an injury or illness.

After learning about MassMutual’s offerings, William also saw ways to support the broader community. “I thought the MassMutual LifeBridgeSM program would be an asset to the children in our community,” says William. LifeBridge makes life insurance free to eligible parents and guardians because MassMutual pays the premium. Proceeds are used to help ensure children get an education. Because of William, the program has been introduced to more than 20 clergy members in his area.

15

At MassMutual, we believe our efforts to address environ-

mental sustainability are more than just good corporate

citizenship. These efforts create opportunities to reduce

our operating costs which, ultimately, benefit the people

who rely on us every day: our policyholders and customers.

Throughout everyday business operations, we work to

reduce our environmental footprint by effectively managing

our facilities and the natural resources we consume.

The operations noted in this section include our home offices

in Springfield, MA and Enfield, CT and our Learning and

Conference Center in Chicopee, MA.

LEED Certification for Existing BuildingIn early 2011, MassMutual obtained Leadership in

Engineering and Environmental Design for Existing

Buildings (LEED-EB) Silver Certification. Our work to earn

certification for the State Street campus in Springfield, which

includes 11 buildings making up 1.4 million square feet of

space, was a multi-year process. During this time we made

numerous updates and changes to the building’s facilities

and infrastructure, including updating the company’s data

center and water-chiller system, along with installing new

water-efficient plumbing fixtures.

LEED is an internationally recognized certification system

that measures how well a building or community performs

across all the metrics that matter most: energy savings,

water efficiency, CO2 emissions reduction, improved

indoor environmental quality, and stewardship of resources

and sensitivity to their impacts. Developed by the U.S.

Green Building Council, LEED provides building owners

and operators a concise framework for identifying and

implementing practical and measurable green building

design, construction, operations and maintenance solutions.

Planet

The more than 600 solar panels MassMutual installed on its Springfield headquarters in 2010 will generate enough electricity to run 22 typical Massachusetts homes annually.

16

The resulting use of over 2,250 refillable “green” mugs saves

more than 200,000 large Styrofoam cups annually. We also

save approximately five million gallons of water annually

after the installation of 500 plumbing fixtures.

RecyclingMassMutual recycles more than 600 tons of paper each

year and about five tons of fluorescent lights. The company

purchases eco-friendly office furniture and carpets that

promote good air quality and are made from recyclable

materials. A new plastic bottle recycling program has also

been instituted, saving more than 2,500 bottles from going

into the local landfill.

TransportationMassMutual recently added free electric vehicle charging

stations for employees on the Springfield and Enfield

campuses in order to accommodate electric vehicles. Ten

bicycles and adult-sized tricycles have been added to our

Security and Facilities vehicles, eliminating the use of

electric carts.

Additionally, MassMutual has increased support of

carpooling and ride share vanpooling programs. Combined,

nearly 300 participants are using these transportation

options, including specially designated carpooling parking

spaces on both the Springfield and Enfield campuses.

Solar TechnologyIn 2010, as part of our renewable energy strategy,

MassMutual installed more than 600 photovoltaic and

thermal solar panels on the roof of our headquarters in

Springfield. The panels provide 50 percent of the building’s

hot water needs and two percent of its power. Annually,

the panels generate enough energy to power 22 residential

homes and, over their lifetime will reduce our carbon emis-

sions by an estimated 1,800-plus metric tons.

Lighting and Energy UseOur comprehensive energy efficiency program ranges from

high-efficiency lighting systems and “daylight harvesting”

(systems that automatically turn off electric lights when the

sun is bright enough to provide natural light) to updating

our Data Center. In fact, through server virtualization and

ventilation upgrades, our ongoing Data Center project has

helped reduce our carbon footprint by over 40 percent,

and will significantly curtail energy costs over the long

run. Cleaner-burning fuel will be used in the Data Center

to heat the building and operate the standby generators.

The low sulfur fuel will reduce environmental emissions

by 97 percent and the sulfur content will be reduced from

500 parts per million (ppm) to 15 ppm.

Reducing WasteMassMutual has introduced technologies that reduce

paper use, including online insurance application forms,

“electronic” insurance policies and an electronic prospectus

delivery option for our retirement plan sponsors and

participants. Employee demand drove efforts to provide

cafeteria alternatives to Styrofoam plates and cups.

MassMutual. We’ll help you get there.®

This report uses 100% post-consumer recycled paper which achieved the

following advantages for the environment. 22 trees preserved for the future,

64 lbs. waterborne waste not created, 9,379 gallons wastewater flow saved,

1,038 lbs. solid waste not generated, 2,043 lbs. net greenhouse gases

prevented, 15,640,000 BTUs energy not consumed.

Savings from the use of emission-free wind-generated electricity: 1,037 lbs.

air emissions not generated. Displaces this amount of fossil fuel: 1.1 barrels

of oil unused.

In other words, the savings from the use of wind-generated electricity are

equivalent to: not driving 1,027 miles or planting 71 trees.

This piece is printed on Mohawk Options PC 100 which is manufactured entirely with Green-e certified wind-generated electricity.

© 2011 Massachusetts Mutual Life Insurance Company, Springfield, MA 01111-0001. All rights reserved. www.massmutual.com. MassMutual Financial Group is a marketing name for Massachusetts Mutual Life Insurance Company (MassMutual) and its affiliated companies and sales representatives.COR3566 911 CRN201308-151213