NU Online News Service, June 10, 2003, 12:51 p.m. EDT – Massachusetts Mutual Life Insurance Company, Springfield, Mass., has added needs-assessment tools to its disability insurance Web site, http://www.halfapaycheck.com

One of the tools is a calculator that can help the owner of a small business estimate the operating expenses of the business, to see how much money the business would need to keep its doors open if the owner were unable to work.

Another tool can give the owner of a business a rough estimate of the value of the business.

MassMutual also has added a referral tool. Producers can use the tool to send information to prospects and have the prospects send any questions to the producers, MassMutual says.