User talk:David Sluss

Massachusetts Mutual Life Insurance Company (Mass Mutual), while expanding its offerings of investment products has remained true to its heritage as a Mutual Life Insurance Company. In a nutshell, that means the company is owned by its policyholders. As a Mutual Life Insurance Company, there is no stock bought, sold, traded, or exchanged in any market. When a person buys a Life Insurance Policy from Mass Mutual, they acquire proportional ownership in the Company. Their policy then "participates" in the "divisable surplus" of the company each year, in the form of policy dividends. Life Insurance Policy Dividends are deemed, by the IRS, to be a return of premium and therefore not taxable until total dividends received exceed total premiums paid. This can amount to a substantial contribution to the Cash Surrender/Loan Value of the policy as well as the Death Benefit to be paid. Email dsluss.mail@gmail.com for more information on how these features can benefit you.

David Sluss David Sluss (talk) 19:13, 22 February 2012 (UTC)