The Firm

Strength You Can Trust

As a general agency of Masschusetts Mutual Life Insurance Company (MassMutual), we are able to leverage their 160 years of experience to meet the many personal and business needs of local residents and firms. As a mutual company since 1851, MassMutual has taken a disciplined, prudent approach to business that puts the needs of its policyholders first. Staying true to this long-term philosophy, the company was able to increase its statutory surplus during 2010 and maintain financial financial strength ratings among the highest in the industry1. And MassMutual has paid dividends to eligible, participating policyholders continuously since the 1860s2. 

Our MassMutual is committed to the communities it does business in as reflected by the nearly $7 million in philanthropic support it provided in 2010. This support helps create a better quality of life as well as contributes to the economic vitality of our communities.  
 
Financial Professionals You Can Trust
 
With an emphasis on high professional standards in our agents' knowledge, ethics, and experience, we believe that specialized training and education is critical in reinforcing trust with our clients and creating a positive impact. Our mission is to continuously raise the level of professionalism of our producers and, by extension, the financial services industry as a whole.
 
Community Involvement
 
In today's challenging economic times, it is especially important to balance our obligations to our stakeholders with the responsibility we feel to our communities. Our employees, agents and business associates have good reason to be proud of their association with MassMutual.
 
The following are organizations our agency has supported directly or that have recognized our agency for our impact in our community this year:
 

  • Asian Chamber of Commerce

  • Autism Society of Colorado

  • Denver Hispanic Chamber of Commerce

  • Mile High Down Syndrome Association

  • Colorado Women's Chamber of Commerce Annual Awards

  • Connect-Us  

  • AWARE Alzheimer's Association

  • Colorado Black Chamber

Through our methodology, we are able to demonstrate the specific value we can bring to positively impact our clients’ situations.  Based on our ability to quantify this value, our clients make a determination to engage our services. Once hired, we enter our clients’ lives and most often become the lead, driving the strategies and implementation process.
 
We operate from an open-architecture perspective. Our associates have access to the most competitive insurance and investment products. Wealth Concepts operates as a general agency of Massachusetts Mutual Life Insurance Company (MassMutual), an extremely strong and solid financial institution. This provides us with many of the necessary tools and capital required to be competitive in today’s marketplace. Many of our associates have come from not only traditional life companies, but also various forms of independent broker/dealers and alliances. We believe we offer the strength and backing a large institution affords, while providing an advanced process and culture within our local environment.
 
Wealth Concepts, LLC provides the resources required to not only help a financial planning professional transition their practice to a comprehensive, and sometimes, fee based approach, but equally as important, the tools necessary to help the associate move "up market" or work with higher net-worth clientele.  We do this by providing on-going high level education, skill building, case design, and individual coaching all at the local level.
 
Community Involvement 
 
Number of clients4.............................................................................................................19,887
 
Life Insurance coverage in force5.................................................................................................$3,609,827,959
 
Life insurance benefits (claims) paid6 .....................................................$15,996,010
 
Disability income insurance benefits (claims) paid7 ........................................................................................................$2,524,202
 
Client policy and account values8 .........................................................$946,860,502
 
Dividends to whole life policyholders9 ....................................................$12,447,703
??6  6666 
  
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1  Ratings for MassMutual, C.M. Life Insurance Company and MML Bay State Life Insurance Company are as of 2/01/11 and are subject to change: A.M. Best: (A++); Fitch (AA+); Moody's (Aa2); Standard & Poor's: (AA+).

2 Dividends are not guaranteed.

3 Data includes production from Wealth Concepts, LLC and its detached offices.

4 An insured, owner, or payer of a MassMutual policy or contract.

5 Amount of individual life insurance in force as of 12/31/10 related to products issued by Massachusetts Mutual Life Insurance Company and its subsidiaries C.M Life Insurance Company and MML Bay State Life Insurance Company.

6Amount of individual life insurance claims paid from 1/1/10 to 12/31/10 related to products issued by Massachusetts Mutual Life Insurance Company and its subsidiaries C.M Life Insurance Company and MML Bay State Life Insurance Company.

7 Amount of disability income insurance claims paid from 1/1/10 to 12/31/10 related to products issued by Massachusetts Mutual Life Insurance Company.

8 Includes values of MassMutual and subsidiary insurance companies’ insurance and retirement products and investment products offered through MML Investors Services, LLC, a MassMutual subsidiary.

9 The amount of dividends to whole life policyholders in 2010.

 MassMutual Financial Group is a Marketing name for Massachusetts Mutual Life Insurance Company (MassMutual) and its affiliated companies and sales representatives.