Harnessing the potential of new technologies helps us deliver the best possible solutions to our financial professionals, policyowners, customers, and employees. And while we believe in the vast opportunity of tools like machine learning (ML) and generative AI, we also believe that human oversight remains critical. AI technology complements the work our employees and financial professionals do, enhancing human decisions and allowing our team to be agile, productive, and focused on more complex and strategic projects that drive our business forward.

Ensuring Responsible Use of AI

As we build AI capabilities at MassMutual, we are dedicated to the responsible incorporation and use of these technologies. We voluntarily created and follow our own data governance principles and controls, continually evolving them to address regulatory policy, data privacy concerns, and ethical best practices.

Our governing principles ensure that we:

• Only use models with data transparency.
• Build capabilities from within while also leveraging existing solutions, with clear frameworks to assess value and maximize impact.
• Preserve our privacy and that of consumers and potential clients, policyowners, customers, partners, affiliated financial professionals, and employees.
• Support AI-initiated decisions with human review and consistently monitor automated decision-making.

Harnessing AI to Support Financial Professionals and Clients

Through innovative and thoughtful use of ML and AI technologies, we are able to provide more personal, timely customer experiences, enabling our affiliated financial professionals to better understand, anticipate, and meet the needs of clients.

Investing in Technology Innovators of the Future

MassMutual is also forging partnerships and helping to develop the technology talent pipeline. This helps us remain at the forefront of new advances in AI while also helping others adopt new technology, ensuring its continued success and sustainable governance.

We value innovative thinkers and work to develop up-and-coming talent through mentorship programs and partnerships with area universities, a cornerstone of our data science program. In 2024, MassMutual committed to donate $75,000 over three years to Western New England University FinTech + AI 413 Startup Launch Series to drive economic growth and innovation across western Massachusetts by connecting college students and local entrepreneurs with the training and resources they need to bring innovative startup ideas to life. Other recent partnerships include Boston University’s Faculty of Computing & Data Sciences, which supports research into the responsible uses of data and provides MassMutual with access to a world-class research facility that fosters regional talent in data science. And since 2018, we have provided more than $9 million in funding to University of Vermont’s Complex Systems Center, leading to the creation of paid Ph.D. fellowships, an artist-in-residence program for early career data visualization scientists, and support for research and mentorship programs for undergraduate, postgraduate, and Ph.D. students.