#042120-000 05/03		The Life Cycle of a Small Business Owning a small business is a big responsibility. Your company is constantly evolving, and each stage of development offers its own unique challenges and rewards. Let MassMutual guide you through the following stages of the Small Business life cycle and help you determine if disability income insurance is right for your business. Learn more >> MassMutual supplemental disability income insurance protection. We understand the needs of small businesses. That’s why we have a portfolio of disability income insurance products designed for the small business owner. Our disability income insurance products can help: Cover the fixed operating costs of your business. Provide funds for small business buy-outs. Replace a portion of lost earnings – either yours or your employees – while maintaining tax advantages to your company. Provide return-to-work benefits to you or your employees. Help protect your or your employees’ ability to make retirement contributions. Coverage that fits your needs. Check out our easy interactive tools (look left) to help you determine your need for business continuation coverage. We also have tools to help you and your employees understand personal needs, evaluate savings, and find out how a disability might affect the ability to retire. They can help you and your employees make informed decisions about coverage and feel more secure about the future – and the future of your business. You can't predict. You can prepare.®		Massachusetts Mutual Life Insurance Company (MassMutual) has outstanding financial performance, strong market position and exceptional ratings that set us apart as a truly "blue chip" financial enterprise. Learn more >>

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