An Educational Guide for Individuals. Vantage Term. Affordable, flexible, quality term life insurance. Insurance Strategies

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1 An Educational Guide for Individuals Vantage Term Affordable, flexible, quality term life insurance Insurance Strategies

2 Contents 1 MassMutual s Vantage Term Portfolio 2 Affordable Solutions to Protect Those Who Matter Most to You 3 Flexibility for Tomorrow 4 Quality for Life 5 The Bottom Line Protecting the financial security of your family or business with a sufficient amount of life insurance is a responsible and caring thing to do. It is also an important step in helping to secure their future. However, many Americans may not have enough life insurance simply because they believe they cannot afford the premium. The information in this brochure is not written or intended as specific tax or legal advice. MassMutual, its employees and representatives are not authorized to give tax or legal advice. Individuals are encouraged to seek advice from their own tax or legal counsel. NOT A BANK OR CREDIT UNION DEPOSIT OR OBLIGATION NOT FDIC OR NCUA INSURED NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY NOT GUARANTEED BY ANY BANK OR CREDIT UNION

3 MassMutual s Vantage Term Portfolio Vantage Term life insurance products from Massachusetts Mutual Life Insurance Company (MassMutual) offer high quality, cost-effective solutions to help meet the temporary life insurance coverage needs of your family or your business and are designed with the flexibility to adapt to your changing lifestyle. Affordable, Flexible, Quality Term Life Insurance Vantage Term life insurance products provide flexible and affordable temporary solutions for your total life insurance protection requirements. In addition, they offer advantages and strong optional riders not all other insurance companies can all backed by the strength and stability of MassMutual. Affordable Solutions for Today Vantage Term offers three product options to accommodate a range of protection and budgetary needs. These options can make the right amount of quality coverage affordable for you. Flexibility for Tomorrow While term life insurance is a cost-effective coverage option for today, many families and businesses prefer a combination of term and permanent life insurance to meet their long-term protection and accumulation goals. That s why Vantage Term products provide guaranteed convertibility to MassMutual s entire portfolio of permanent life insurance products and you can convert all or just a portion of your term coverage. MassMutual also offers a conversion credit to apply toward the new first year policy premium when you convert to a whole life policy. 1 Quality for Life In addition to guaranteed convertibility backed by the strength and stability of one of the largest mutual life insurance companies in America MassMutual offers our valuable disability Waiver of Premium Rider with all Vantage Term products. When issued on your Vantage Term policy, this optional benefit may also be transferred to a new permanent life insurance policy upon conversion 2 and provides important additional benefits if you become disabled. 1 Conversion periods and credit amounts vary by the Vantage Term product. Currently, the Whole Life Legacy 100 SM and Whole Life Legacy 20 Pay SM products are eligible for use with the conversion credit. 2 Any Waiver of Premium Rider included with the new permanent policy will be the one in use by MassMutual on the Policy Date of the new policy, and the cost may vary from this rider. 1

4 Affordable Solutions to Protect Those Who Matter Most to You Not All Term Insurance is Created Equal One of the best ways to help protect your family or business is with life insurance. Vantage Term life insurance products from MassMutual a leader in the industry have many advantages. A Vantage Term policy provides quality affordable coverage for today and flexibility for the future. Affordable Solutions Tailored to Your Needs MassMutual offers a portfolio of affordable term life insurance, including two guaranteed level premium products and an annually increasing premium product, which can provide protection tailored to meet your needs. Once you have determined how much life insurance you need, your financial professional can help you decide which product may work best for you and your family. 2

5 Flexibility for Tomorrow Guaranteed Convertibility to a Wide Range of Permanent Products Vantage Term insurance coverage can be converted to permanent insurance without a physical and with no additional medical questions asked. While Vantage Term products create an exceptional value for covering predictable term needs from one to 20 years, they are not intended to protect you for your entire life. Longer term coverage needs may be better met with permanent life insurance. That s why, for a period of up to 10 years, you have the right to convert your term policy to a permanent policy that offers lifetime protection and other benefits. In addition to providing lifetime coverage, a permanent policy, like whole life insurance, can provide the additional benefit of cash value accumulation. Cash value can be used in a number of ways, including supplemental retirement income and as an additional source of cash for life s opportunities and challenges. 3 All of our Vantage Term products have conversion privileges 4 to permanent insurance products. The optional rider benefits are transferable as well. 5 Why Convert? Permanent life insurance can provide added flexibility to help you prepare for life s opportunities and uncertainties. For example, the permanent coverage and cash accumulation of whole life can help if you: Want to supplement your retirement income; Plan to start a small business; Require funds for emergency expenses; Wish to help pay for a child s college education; Need income replacement for a spouse whose Social Security or pension benefits will be reduced at your death; or Intend to leave a financial legacy for your family. 3 Access to cash values through borrowing or partial surrenders will reduce the policy s cash value and death benefit, increase the chance the policy will lapse, and may result in a tax liability if the policy terminates before the death of the insured. 4 Conversion privileges can vary by product and issue age. 5 If the Waiver of Premium Rider is in effect on your Vantage Term policy and you are totally disabled at the time of conversion, you may still convert to our lowest premium whole life insurance policy (currently Whole Life Legacy 100 SM ), and transfer the Rider benefit. MassMutual will pay the premiums on the new policy for as long as you are disabled, within the Waiver of Premium Rider s age/issue guidelines. 3

6 Quality for Life With Valuable Optional Benefits Waiver of Premium Rider This optional benefit, which is available at an additional cost, will keep your policy in force and continue to protect those who depend on you if you, the insured, become disabled. MassMutual will waive the policy premiums, and the premium for this rider, during a period of total disability and the policy coverage will continue as if you were paying the premiums. This means that your other sources of income are not impacted to keep the policy in force during a difficult period of disability. If your Vantage Term policy includes the Waiver of Premium Rider and you decide to convert within the age and issue guidelines, you may also transfer the Rider benefit to the permanent policy. The Waiver of Premium Rider included with the new permanent policy will be the one in use by MassMutual on the Policy Date of the new policy and the new premium may vary for this rider. Even if you become disabled prior to converting your Vantage Term policy, you can still convert to our lowest premium whole life insurance product (currently Whole Life Legacy 100 SM ) and transfer the Waiver of Premium Rider benefit as well. MassMutual will pay the new whole life policy and rider premium while you are disabled. 6 The whole life policy will begin to generate tax-deferred cash value which is important if you re unable to contribute to your retirement plan during this time period. Accelerated Death Benefit Rider 7 This is included at no additional cost at issue. If you become terminally ill, as the insured and the policyowner, you can receive an advance of the policy s death benefit. These funds may be used for any purpose; for example, to pay medical and everyday living expenses. There will be administrative and interest charges upon exercising the rider. 6 According to benefit guidelines. 7 Not available in the state of New York. 4

7 The Bottom Line Use the following chart to compare the features and benefits of quality Vantage Term life insurance from MassMutual and other companies term insurance. Term Benefits Comparison MassMutual A Strong Mutual Company Since 1851, we ve made business decisions based on the needs of our policyowners. Our mutual structure, along with our long-term business approach, has helped keep us strong. This strength means we will be there for you and your family or business far into the future. Benefits Portfolio of both guaranteed level and annually increasing products Convertible to a full portfolio of permanent products 4 Waiver of Premium Rider that is available to include on a permanent policy 5 even while disabled Backed by an insurer with over 160 years of financial strength Personal service and solutions from a local financial professional Other Low-cost Term MassMutual Vantage Term Learn more at Work With Your Financial Professional It is important that all of your life insurance questions are answered. Our financial professionals take the time to listen and learn about you and your family. They will work with you to develop insurance strategies that are best suited to your needs. Talk with your financial professional for complete details. 5

8 MassMutual. We ll help you get there. There are many reasons to choose a life insurance company to help meet your financial needs: protection for your family or business, products to provide supplemental income and the confidence of knowing you will be prepared for the future. At Massachusetts Mutual Life Insurance Company (MassMutual), we operate for the benefit of our participating policyowners. We stand strong in the fundamental belief that every secure future begins with a good decision. And when choosing a life insurance company ownership, strength and stability matter. Learn more at Vantage Term Life Insurance Policies (Policy Form TL-2009 and ICC09TL in certain states, including North Carolina) are participating, annually renewable term life insurance issued by Massachusetts Mutual Life Insurance Company, Springfield, MA Dividends are not expected to be paid. The Whole Life Legacy series (WL-2007 and WL-NC-2007) are level-premium, participating, permanent life insurance policies issued by Massachusetts Mutual Life Insurance Company, Springfield, MA Massachusetts Mutual Life Insurance Company, Springfield, MA All rights reserved. MassMutual Financial Group is a marketing name for Massachusetts Mutual Life Insurance Company (MassMutual) and its affiliated companies and sales representatives. LI CRN

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