Massachusetts Mutual Life Insurance Company (MassMutual)

"Beware the term "non-guaranteed." In the insurance industry, it actually means "complete fiction. " " After 33 years, I have surrendered my whole life policy. Love the employee who sold me the policy, but the reality is that a term only policy would have been less costly and far more effective. Had this company been even remotely close to the "non-guaranteed" projections on their illustrations, I would not have canceled. Please be aware that annuities have this same word. It gives insurance companies the right to steal/abuse policyholders. The SCC seems to endorse this behavior. Buyer beware. I wish this company would show some moral courage and put more realistic projections in their NAIC Illustrations."

"You can't help your customers if you never answer you phones. .......useless"

"This company has a third-world billing system, they can't take premiums on a schedule and charge interest when they're late. Save your life insurance - don't buy theirs."

"Customer since 2012. Great products and company, but sales is based on an archaeic MLM type model with 95%+ turnover. This results in a terrible customer experience and poverty level for most of the people who work for them. Advice offered is available virtually anywhere so, sadly, they are very nearly obsolete."

"I purchased a Life Insurance policy in 1962. I paid it off but continued to purchase additional coverage. The MassMutual Agency was in Nashua, NH. The Agency was managed by Mr. Alun Williams. He sold me an Insurance policy. We were both members of The Nashua Kiwanis Club of which I was the secretary. He was married to a nurse and they had 8 or 9 children, all girls. I promised Mr. Williams that if my wife and I have a boy baby, that his middle name would be Alun. We had one child, a boy and his middle name was Alun. Mr. Williams was born in Wales in a small village and served in the Wales Army. Later, to become a United States citizen, he had to serve in The US Army for several years. He started a Mass Mutual Insurance Agency. I recall that he died at a very young age. His widow became a school nurse at the school my son Alun attended. Nurse Williams always reffered to Alun as her son. (she only had 8 or 9 female children.) Her husband's Mass Mutual Agency closed. Today, I decided to cash in my Life Insurance policy. At age 83, I have enough savings to get by and my burial is pre paid. However, my Mass Mutual Agent is not available. Corporate still prints his name as my Agent, but noone knows him. No phone listed under his name. Employees of MassMutual don't recall meeting him. Strange that my agent is no longer working for Mass mutual. I received no help from Mass Mutual to cash my policy. I wanted the forms sent to me, but first I had to reveal my Social Security number. I refused to give it out for security reasons. I asked to have the forms sent to me via over night delivery and MassMutual wanted my Credit Card number to pay mailing costs. What!!! I was a client since 1962. I never was late sending in my payments. My agent is missing. His name still appears on my renewal policy. The MassMutual Boston Office does not know my Agent? Why should I divulge my Social Security number and my Credit Card Number to MassMutual who use the Federal Mail delivery to assure me that I have An Agent, but in reality, I don't. I am certain that Mass Mutual was a fine Company in 1962. But as of today, I found that things have changed. For instance, Wells Fargo Bank has paid a huge fine. TD Bank won't cash my wife's Three Certificates of Deposit and don't know where the funds are. TD Bank in Nashua, NH closed recently. New Hampshire has very few State Chartered Banks. Federal Banks have taken over and are under the control of the Democrats and Republicans who cannot agree on providing safety at the Borders. It is sad to see our Country slowly fading away. Ralph W Nashua, NH"