Massachusetts Mutual Life Insurance (MassMutual) is the flagship firm of the MassMutual Financial Group, a global organization of companies that provide financial services including life insurance, annuities, money management, and retirement planning. Founded in 1851, MassMutual's clients include individuals and businesses. The company also offers disability income insurance, long-term care insurance, structured settlement annuities, and trust services (through The MassMutual Trust Company). Other subsidiaries include OppenheimerFunds (mutual funds), Babson Capital Management (investor services), Baring Asset Management, and Cornerstone Real Estate Advisors (real estate investment management).