www.HartfordBusiness.com septemBer 22, 2014 • Hartford Business Journal 83
MassMutual Financial Group refers to Massachusetts Mutual Life Insurance Co. (MassMutual) and its affiliated companies
and sales representatives. Insurance products issued by MassMutual (Springfield, MA 01111) and its subsidiaries, C.M. Life
Insurance Co. and MML Bay State Life Insurance Co. (Enfield, CT 06082).
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Access to cash value through borrowing or partial
surrenders will reduce the policy's cash value and death benefit, increase the chance of policy lapse, and may result in a tax
liability. CRN201501-168360
LIFE INSURANCE + RETIREMENT/401(K) PLAN SERVICES + DISABILITY INCOME INSURANCE
LONG TERM CARE INSURANCE + ANNUITIES
TODAY
IS THE START OF SOMETHING GREAT.
You can feel confident in your family's financial
future and your own. With whole life insurance
from MassMutual, you can help protect your family
today while you build guaranteed cash value
over time
that can provide supplemental income in retirement.
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Learn how the flexibility of whole life insurance can
help shape your future at MassMutual.com
Charter Oak Insurance and Financial Services Co.
76 Batterson Park Road
Farmington, CT 06032
860-674-1800
pnovak@financialguide.com
www.charteroakfinancial.com
Employee Benefits | Retirement Plans | Wealth Management
207 Pitkin Street, East Hartford, CT
860.882.1112
info@constitutionag.com
www.constitutionag.com
Securities and Advisory services offered through Registered Representatives of
Lincoln Financial Securities Corporation, Member SIPC Constitution Advisory
Group and Lincoln Financial Securities Corporation are not affiliated.
LFS-891094-032814
Insurance
solutions
that fit your
budget
and
benefit your
employees
Put us to work for you. We're great for your company!
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(860) 351-0100 www.myhcg.com
We provide and specialize in:
• Large & Small Group Health
• Individual Health – on and off
the Exchange
• Dental
• Life
• Short & Long Term Disability
• Voluntary Benefits
• Plan Documents & Summary
Plan Descriptions
• Health Reimbursement
Arrangements
• Health Savings Accounts
• Flexible Spending Accounts
For the last 20 years, we have provided
our clients with innovative insurance
solutions. Our highly trained benefit
consultants are experts in premium cost
containment strategies, and will keep
you compliant with Health Care Reform
and coinciding ERISA regulation. With
our seasoned client support team and
proprietary Signature Services, we create
customized benefit solutions that are
compliant and tailored to your company.
Let us design a customized strategy to
fit your company's objectives.
Put us to work for you, we're GREAT
for your company!
