LIFE INSURANCE. Built to Last MassMutual Whole Life Insurance INVEST INSURE RETIRE

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1 LIFE INSURANCE Built to Last MassMutual Whole Life Insurance INVEST INSURE RETIRE

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3 Here s What We ve Got. At Massachusetts Mutual Life Insurance Company (MassMutual) we offer ten whole life insurance products. Each satisfies different needs. Each is simple, reliable, and flexible. As long as the required premium is paid, each of our whole life insurance products guarantees results. Your financial representative will help you pick the one that s right for you, but just so you know, our whole life insurance products have four features in common: I m prepared to weather the markets, but if I die early, I m not willing to risk the financial well-being of my family. So, when it comes to life insurance, I want something that s going to perform regardless of which direction interest rates go or the stock market heads. I can t afford any surprises. I want guarantees. Show me what you ve got. Guaranteed Premiums; Guaranteed Cash Values; Guaranteed Death Benefit; and The Potential to Receive Dividends. In this brochure we ll explain why these features are important and why you can depend on MassMutual. Then, to get started, ask your financial representative to show you how a MassMutual whole life insurance product can work for you. Don t Put All Your Eggs in One Basket That old adage is good advice. But sometimes it s hard to know where to put your money. Unsettled markets, falling interest rates and political instability cause uncertainty and upset dreams. So what do you do? Hunker down and weather the storm? Or, avoid risk and seek safety? At MassMutual we d like to suggest an alternative. Start with a carefully considered plan built on a solid foundation. Start with a baseline of life insurance protection that offers performance you can count on. Consider whole life insurance.

4 Confidence Confid Guaranteed Own a MassMutual whole life insurance policy and you ll own it with confidence. That s because we guarantee its performance. Here s what s guaranteed: Guaranteed Premiums The premium you pay is guaranteed for as long as you live. It will not change as you get older, if interest rates fall, or if the stock market collapses. The benefit? You know to the penny how much to budget for your protection today or 20 years from now. No surprises. Guaranteed Death Benefit Here s the baseline of protection we ve been talking about. You ll know exactly how much money we will pay your beneficiary on your death. In the short-term it may give you more confidence investing other assets for long-term growth, knowing that your beneficiary can depend upon receiving at least this amount of money. There s One Other Benefit to Consider That s the payment of dividends. Dividends are a return of premium based upon the difference between the cost of providing the guarantees and our actual expenses, mortality costs and investment yields. While not guaranteed, policyholders may use dividends to pay a portion of the premium or to purchase additional insurance that will increase the policy s cash value and death benefit. Guaranteed Cash Values Plan for growth. Up front you ll know exactly how much your life insurance policy will be worth 1, 5, 10, or 30 years from now. This simplifies managing your policy.

5 ence Guaranteed MassMutual Offers a Comprehensive Portfolio of Whole Life Insurance Policies We Offer Ten Different Whole Life Insurance Contracts Survivorship Whole Life Insurance MassMutual offers two survivorship whole life insurance contracts designed to help high net worth couples transfer wealth efficiently. Both people are insured under one policy and the death benefit is paid on the second death. One contract provides for more rapid cash value growth, the other lowers out-of-pocket costs. Which one you choose depends upon your needs and objectives. Individual Whole Life Insurance The remaining eight contracts insure a single life. Each satisfies a range of needs and objectives, including, for example, starting life insurance programs for children, income replacement for young families, supplemental retirement income, and charitable giving programs.

6 Simple. Reliable. Simple. Reli Flexible. Reliable: Premiums are guaranteed. Cash values are guaranteed. Death benefit is guaranteed. Is This How You d Describe Life Insurance? It can be if you own a MassMutual whole life insurance policy. In an increasingly complicated world whole life offers simplicity, reliability and flexibility. Take a look. Flexible: Can you describe life insurance as fixed and flexible? You can when it s a MassMutual whole life contract that is eligible for dividends. Because our whole life contracts balance the need for death benefit and cash value accumulation, any dividends paid can be used to reduce the cost of protection, to increase the death benefit, or build policy cash values, without jeopardizing guarantees. Simple: To maintain value, some life insurance policies require policyholders to monitor investment results and adjust premium payments depending upon actual performance. Because of its guarantees, policyholders of MassMutual whole life contracts simply pay their premiums and we take care of the rest.

7 able. Flexible. MassMutual Whole Life Insurance Built To Last Who backs up the guarantee? Good question. A guarantee is only as good as the company that stands behind it. And for more than 150 years, MassMutual has demonstrated an exceptional ability to adapt to a world that never stands still and to prosper in good times and bad. Rest assured our reputation for financial strength is unquestioned. Here s how top industry analytical rating agencies rank us: A.M. Best Company: A++ (Superior) Moody s Investors Service: Aa1 (Excellent) Standard and Poor s: AAA (Extremely Strong) Fitch: AAA (Exceptionally Strong) Ratings as of 2/12/03. Ratings are subject to change. 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 Sit down with your financial professional. Talk over the guarantees and see how you can benefit from the simplicity, reliability and flexibility that only a whole life policy can offer. MassMutual Whole Life Insurance Dependable In An Uncertain World.

8 Massachusetts Mutual Life Insurance Company and affiliates, Springfield, MA Survivorship Whole Life (SWL), Survivorship Whole Life Protector (SWLP), Whole Life (9900 WL), Twenty Payment Whole Life (20PL), Ten Payment Whole Life (10PL), Modified Premium Whole Life (9900 Mod WL), Limited Payment Whole Life (LPWL), Life Paid-Up at Age 65 (LPL65), High Early Cash Value Whole Life (HECV) and Enhanced Whole Life (EWL) are issued through Massachusetts Mutual Life Insurance Company, 1295 State Street, Springfield, MA MassMutual Financial Group is a marketing designation (or fleet name) for Massachusetts Mutual Life Insurance Company (MassMutual) and its affiliates. LI C: