Whole Life Legacy 10 Pay Basic Life Insurance Illustration

Whole Life Legacy 10 Pay Basic Prepared for: d Client Male, Age 5 Presented by: Michael Fliegelman CLU, ChFC, AEP, RFC Independent Insurance And Financial Consulting 5 Harborfields Ct Greenlawn, NY 11740 Agent License Number: LA-626450 Telephone Number: 631-806-3568 May 30, 2013 CRN: 201412-133333 Page 1 of 18

Illustration Summary Prepared for: Underwriting Class: Client Information d Client, Male, Age 5 Juvenile All face amounts, premiums, riders and underwriting classes are subject to Home Office approval. Issuing Company: Policy: Generic Policy Name: Policy Form Number: Policy Information Massachusetts Mutual Life Insurance Company Limited Payment Whole Life with Premiums Payable for 10 s Whole Life Policy WL-NY-2007 Initial Coverage Information Base Policy Face Amount (BPFA): $974,219.00 Initial : $974,219.00 Initial Premium Information Premium Payment Mode: Monthly Base Premium: Monthly GIR Premium: Accelerated for Terminal Illness Rider: Transfer of Insured Rider: Monthly $992.50 7.50 No Premium Charge No Premium Charge Initial Premium: $1,000.00 Initial Dividend Option Dividends used to purchase. Dividends are not guaranteed and are subject to significant fluctuations over the lifetime of the policy. Changes in dividends will change all Non-Guaranteed values Important Information This illustration assumes that the currently illustrated non-guaranteed elements will continue unchanged for all years shown. This is not likely to occur, and actual results may be more or less favorable than those shown. Changing the premium payment mode may increase the overall cost of the policy. Please see Premium Payment Options in the Narrative Summary for more information. As illustrated, this policy would not become a Modified Endowment Contract (MEC) under the Internal Revenue Code based on the assumptions in this illustration. Please see the IMPORTANT TAX INFORMATION section of the Narrative Summary for more information. Policy Changes Your Illustration may show Policy Changes, such as face amount decreases, dividend option changes, the Alternate Payment Option (APO) strategy, loans, surrenders or changes to certain Rider premiums. Policy changes are not automatic. You must submit a request to our Home Office. Page 2 of 18

Narrative Summary What This Illustration Shows This illustration describes the important features of this MassMutual Whole Life Legacy 10 Pay life insurance policy and shows values over time on a guaranteed and nonguaranteed basis. It is designed to help you understand how this policy works. It is not a projection of how it will perform. The following pages provide a summary (and year-by-year figures) for required premiums, cash surrender values and death benefits, anticipated out-of-pocket premium payments, and other values for this policy. Many of the current values contained in this illustration depend on non-guaranteed dividends. What is Whole Life Legacy 10 Pay? IMPORTANT INFORMATION ABOUT DIVIDENDS Whole Life Legacy 10 Pay is a permanent life insurance policy providing a guaranteed face amount. Premiums are payable for 10 years. The duration of premiums for riders varies according to the terms of the rider. The policy provides for cash value accumulation and for the payment of dividends as may be determined by the Company. As a MassMutual participating policyholder, you are eligible to receive an equitable portion of the Company's earnings, known as "divisible surplus", in the form of policy dividends. The surplus from which dividends are paid comes primarily from three sources: 1. Mortality Savings - The favorable margin between actual death claim experience and the amount expected based on the mortality table used to determine the premium. 2. Investment Earnings - Earnings on Company investments that exceed the guaranteed interest required to build up death benefit reserves and meet contractual obligations. The guaranteed interest rate for a particular policy or rider is set at issue and does not change over the life of the policy. The guaranteed interest rate is reflected in the policy's guaranteed cash value increases. 3. Expenses - The difference between actual expenses incurred and the expenses assumed in determining the premium. This illustration assumes that the dividend option is for all years shown. The annual dividend, if any, is used to buy additional level paid-up life insurance, adding to the policy's death benefit and total cash value. "Paid-up" means that no further premiums are required on the additional life insurance. This additional insurance is also eligible to receive dividends. Paid-up additions may be surrendered for their cash value as long as they are not being used as collateral for policy debt. Non-guaranteed values are based on the 2013 dividend scale. This illustration assumes a policy with an adjustable policy loan interest rate provision. It is important to understand that the payment of dividends is not guaranteed; dividends are a reflection of conditions that affect the Company and the cost of insurance. Dividend performance may, and most likely will, change over time. For this reason we strongly recommend that you look at an illustration showing a lower dividend scale to see the impact that this would have on policy values. This illustration is neither a projection nor an estimate of future results. Transfer of policy ownership to a qualified pension or profit sharing plan could result in different dividends. Page 3 of 18

Narrative Summary IMPORTANT TAX INFORMATION As illustrated, this policy would not become a Modified Endowment Contract (MEC) under the Internal Revenue Code based on the assumptions in this illustration. Changes to the policy could cause the policy to become a MEC or change the year that the policy is illustrated to become a MEC. A Modified Endowment Contract (MEC) distinguishes between a policy purchased primarily for death protection and a policy purchased primarily for the tax advantages afforded to life insurance cash values. Once a policy is classified as a MEC, it receives less advantageous federal income tax treatment (see below). To determine if a contract is a MEC, a premium limit (the MEC limit) is established for the maximum amount of premium allowed during the first seven years, based upon rules set by the Internal Revenue Code. Under the MEC test, a MEC results if the cumulative amount paid at any time in the first seven years exceeds the cumulative MEC limit applicable in that policy year. Certain changes to the policy can subject the policy to MEC testing beyond the first seven years or can cause premiums already paid to be re-tested. Taking a policy loan could have adverse tax consequences. If your aggregate policy loans substantially exceed your cost basis, you may incur a significant income tax liability if the policy terminates before the insured's death. You may have to make substantial payments to cover policy premiums and policy loan interest to prevent the termination of the policy and to avoid the potential income tax liability. Some of the indications that such a situation may arise include: (1) high outstanding debt relative to the policy's cash value and (2) lower than illustrated dividends. You can reduce the likelihood that either will incur a significant income tax liability should your policy terminate before the death of the insured, or that you will need to make substantial payments to cover policy premium and pay policy loan interest to keep your policy from terminating, by monitoring and reviewing all aspects of your policy on a regular basis with your tax advisor, your financial representative, and/or any other financial advisor you might have. Surrenders and distributions are subject to income tax to the extent they exceed the policy's cost basis. If the policy is a MEC, distributions and loans are taxable to the extent of gain and are subject to a 10% tax penalty. benefit proceeds from this policy are generally excludable from the beneficiary's gross income for income tax purposes (IRC Section 101(a)(1)). Policy loans on non-mec policies are not treated as distributions or subject to income tax when taken (IRC Section 72). However, if the policy is not held until death, taxes are generally due on surrender or lapse and may in fact exceed the policy's Surrender if prior loans and surrenders were extensive. The information provided above is not written or intended as specific tax advice and may not be relied on for purposes of avoiding any federal tax penalty. Individuals are strongly encouraged to seek advice from their own personal tax or legal counsel. Page 4 of 18

Narrative Summary Additional Riders Illustrated Accelerated for Terminal Illness Rider (ABR) Guaranteed Insurability Rider (GIR) of $125,000 Transfer of Insured Rider (TIR) The Accelerated for Terminal Illness Rider allows the policy owner to receive an advance of policy death benefits when MassMutual receives satisfactory proof the insured has a terminal illness expected to result in death within the period set forth in the Rider. The funds may be used for any purpose. This rider terminates upon acceleration. There is no cost for the addition of this rider however there is a fee if the rider is exercised. This rider provides for the right to purchase life insurance without evidence of insurability in limited amounts over time. Premiums for this rider are payable to age 46 or the end of the premium paying period of the policy, if earlier. The Transfer of Insured Rider provides the policyholder with the right to transfer or exchange a new insured in place of the current insured under the policy, provided an insurable interest exists between the owner and the substitute insured, the new insured is not older than age 75 and evidence of insurability is provided. There is no annual premium for this rider however there is a cost due if the rider is exercised. Interest Adjusted Cost (IAC) Comparison Index Life Insurance Surrender Cost Index Life Insurance Payment Cost Index 10 $2.12 $10.30 Policy 20 $0.77 $5.10 The Interest Adjusted Cost Comparison Indices provide two means of comparing the relative cost of similar plans of insurance issued by the same company or by different companies. A low index number represents a lower cost than a higher one. These indices reflect the time value of money by applying a 5% interest factor to policy premiums, dividends, and for the surrender cost index, the 10 and 20 year cash values. The dividends used in calculating these indices are based on the current year's scale and are neither guarantees nor estimates of future dividends. The indices do not consider: (1) the value of the services of an agent or company; (2) the relative strength and reputation of the Company and its actual dividend performance; or (3) differences in the policy provisions. Additional Information About This Illustration The fully allocated expense method is used to allocate overhead expenses for all illustrations. This illustration, using a 5.00% policy loan interest rate, is for a policy issued in New York on May, 2013. This rate may change on each policy anniversary date. A higher policy loan interest rate can impact policy values and the amounts available for future loans. For this reason, we strongly recommend that you look at a hypothetical higher loan interest rate available upon request. This illustration assumes no further loans after policy year 116. It also assumes payment of interest when due. In any year that loan interest due is borrowed, it is assumed that the individual pays the interest in full and, in a separate transaction, borrows the after-tax cost of the interest (if possible) from the cash surrender value. Page 5 of 18

Narrative Summary Outlay is based on a tax bracket of 28%. This illustration does not recognize the time value of money and should not be used to compare policy costs. See IAC section of the Narrative Summary page for policy cost information. Column Heading Definitions Age Dividend Loan Outlay Outlay Basic Policy of Contract Premium Guaranteed Guaranteed The age of the insured at the end of the policy year. The total amount of annual dividend payable. These values are based on the illustrated dividend scale and are not guaranteed. The amount of loan taken minus loan repayments made at the beginning of the policy year. This includes any amount of unpaid interest. This is the out-of-pocket cost, which is comprised of the Contract Premium and adjusted for any dividends,, cash value released, loans taken, loan repayments made or taxes due at the beginning of the policy year. The annual outlay at the beginning of the policy year. This is the out-of-pocket cost, which is comprised of the Contract Premium adjusted for any dividends, surrendered, cash value released, loans taken and loan repayments made. The guaranteed cash value of the base policy as of the end of the policy year. This does not include the cash value from (PUA) or any other policy riders. The total cash value as of the end of the policy year of the purchased by dividends earned on the base policy. These values are based on the illustrated dividend scale and are not guaranteed. The gross premium that is required to be paid at the beginning of the policy year for the benefits The cash value which is guaranteed under this policy based upon the illustrated Contract Premium for Guaranteed s as of the end of the policy year. The amount of death benefit which is guaranteed to be payable for this policy at death based upon the illustrated Contract Premium for Guaranteed s as of the end of the policy year. The cash value as of the end of the policy year reduced by outstanding loans and loan interest. These values are based on the illustrated dividend scale and are not guaranteed. The death benefit of the policy as of the end of the policy year reduced by outstanding loans and loan interest. These values are based on the illustrated dividend scale and are not guaranteed. The additional paid-up insurance death benefit as of the end of the policy year purchased by dividends earned on the base policy. These values are based on the illustrated dividend scale and are not guaranteed. Page 6 of 18

Narrative Summary of Outstanding Loan Insurance The total cash value as of the end of the policy year including all guaranteed and nonguaranteed values. These values are based on the illustrated dividend scale and are not guaranteed. The total cash value as of the end of the policy year of the purchased by dividends. These values are based on the illustrated dividend scale and are not guaranteed. This is the amount that would be payable if death occurred at the end of the policy year. These values are based on the illustrated dividend scale and are not guaranteed. The loan principal as of the end of the policy year including any prior year capitalized loan interest. The death benefit at the end of the policy year of additional paid-up insurance purchased with dividends. These values are based on the illustrated dividend scale and are not guaranteed. The amount of fully paid-up insurance that could be purchased if the policy were converted to a fully paid-up policy as of the end of the policy year. These values are based on the illustrated dividend scale and are not guaranteed. The number of years the policy is assumed to have been in force at the end of the policy year. Key Terms Used in the Illustration Midpoint Assumptions Attained Age The first day of the policy year. All premium payments and other outlays are assumed to be made at the beginning of the year. The last day of the policy year. Dividends are assumed to be credited on this date. All cash values are shown as of the end of the policy year. The amount payable upon death of the insured. s are calculated assuming that the dividends are reduced by 50% and any policy charges included are an average between the current and guaranteed charges. Issue age plus policy duration years. Page 7 of 18

Narrative Summary Premium Payment Options: You may pay premiums once a year (annually), twice a year (semiannually), four times a year (quarterly) or twelve times a year (monthly). You may pay premiums twelve times a year (monthly) only by pre-authorized electronic transfer. If you pay annual premiums by installments, there will be an additional charge. The additional charge is shown in dollars and as annual percentage rates in the table below. Premium Frequency Premium Payment (Including Installment Payment Charge) Number of Payments Per Premium Per Additional Charge (In Dollars) Additional Charge (As the Percentage Rate or APR) $11,494.35 1 $11,494.35 $0.00 - Semiannual $5,881.65 2 $11,763.30 $268.95 9.6% Quarterly $2,975.89 4 $11,903.56 $409.21 9.5% Monthly $1,000.00 12 $12,000.00 $505.65 9.5% Consider Additional Coverage In some cases, the cost per unit of the Whole Life Legacy 10 Pay policy may be lower with a higher Base Policy Face Amount. You should consult with your agent about whether applying for more coverage is appropriate. Additional underwriting requirements may apply to larger face amounts, and premiums may be higher. Page 8 of 18

Policy: Limited Payment Whole Life with Premiums Payable for 10 s Base Policy Face Amount: $974,219 Riders: ABR GIR TIR Monthly Premium: $1,000.00 Numeric Summary and Signature Page Dividend Option: Dividends used to purchase. Dividends are not guaranteed and are subject to significant fluctuations over the lifetime of the policy. Changes in dividends will change all Non-Guaranteed values To help you understand how changes in non-guaranteed dividends may affect your future policy values, this Numeric Summary and Signature Page shows how your policy would perform based on each of the following dividend scenarios: 1) Guaranteed: The guaranteed policy values, i.e., zero dividends. 2) Non-Guaranteed Midpoint: 50% of the Company's currently illustrated dividend. 3) Non-Guaranteed Current: The Company's currently illustrated dividend. Non-Guarant eed s Guaranteed s Midpoint Assumptions Current Assumptions Contract Premium 5 12,000 42,564 974,219 44,134 991,641 45,748 1,009,553 10 12,000 105,206 974,219 114,272 1,058,172 123,949 1,147,780 20 0 146,260 974,219 181,957 1,211,995 225,287 1,500,616 Age 70 0 600,918 974,219 1,422,791 2,306,655 3,267,647 5,297,570 I have received a copy of this illustration and understand that any non-guaranteed elements illustrated are subject to significant fluctuations and could be either higher or lower. The agent has told me they are not guaranteed. I understand that this illustration is not a contract. I also understand that any policy changes reflected in this illustration are not automatic, but must be submitted in writing to the Home Office. The terms of the policy constitute the actual agreement of coverage. I further understand I have the right to request a hypothetical lower scale illustration to see the potential impact of a lower dividend interest rate on my policy values. I have read and understand the IMPORTANT TAX INFORMATION section in the Narrative Summary. Applicant (At time of application) Owner (At time of delivery) Date I certify that this illustration has been presented to the applicant and that I have explained that any non-guaranteed elements illustrated are subject to change. I have made no statements that are inconsistent with this illustration. Agent Date Page 9 of 18

Policy: Limited Payment Whole Life with Premiums Payable for 10 s Base Policy Face Amount: $974,219 Riders: ABR GIR TIR Monthly Premium: $1,000.00 Tabular s Dividend Option: Dividends used to purchase. Dividends are not guaranteed and are subject to significant fluctuations over the lifetime of the policy. Changes in dividends will change all Non-Guaranteed values ====Non-Guaranteed s==== Age End Contract Premium Guaranteed _ Guaranteed Dividend of Insurance 1 6 12,000 3,722 974,219 0 0 3,722 0 974,219 47,841 2 7 12,000 10,229 974,219 390 390 10,619 4,829 979,048 131,586 3 8 12,000 20,595 974,219 624 1,028 21,623 12,278 986,497 258,277 4 9 12,000 31,370 974,219 893 1,960 33,330 22,563 996,782 383,717 5 10 12,000 42,564 974,219 1,151 3,184 45,748 35,334 1,009,553 507,634 6 11 12,000 54,215 974,219 1,649 4,954 59,169 52,973 1,027,192 632,754 7 12 12,000 66,305 974,219 2,202 7,341 73,646 75,677 1,049,896 759,237 8 13 12,000 78,824 974,219 2,802 10,413 89,237 103,531 1,077,750 887,226 9 14 12,000 91,791 974,219 3,409 14,202 105,993 136,234 1,110,453 1,016,722 10 15 12,000 105,206 974,219 4,031 18,743 123,949 173,561 1,147,780 1,147,780 11 16 0 108,869 974,219 3,493 22,889 131,758 204,820 1,179,039 12 17 0 112,581 974,219 3,678 27,347 139,928 236,651 1,210,870 13 18 0 116,312 974,219 3,966 32,219 148,531 269,867 1,244,086 14 19 0 120,150 974,219 4,252 37,535 157,685 304,344 1,278,563 15 20 0 124,106 974,219 4,463 43,233 167,339 339,374 1,313,593 16 21 0 128,197 974,219 4,693 49,351 177,549 375,038 1,349,257 17 22 0 132,465 974,219 4,945 55,939 188,403 411,404 1,385,623 18 23 0 136,888 974,219 5,243 63,049 199,937 448,717 1,422,936 19 24 0 141,486 974,219 5,552 70,719 212,205 486,948 1,461,167 20 25 0 146,260 974,219 5,922 79,028 225,287 526,397 1,500,616 21 26 0 151,209 974,219 6,303 88,005 239,214 567,009 1,541,228 22 27 0 156,323 974,219 6,762 97,744 254,067 609,150 1,583,369 23 28 0 161,594 974,219 7,264 108,303 269,897 652,941 1,627,160 24 29 0 167,098 974,219 7,718 119,711 286,809 697,940 1,672,159 25 30 0 172,836 974,219 8,148 131,970 304,806 743,869 1,718,088 Current Premiums Coverage Face Amount ly Semi-ly Quarterly Monthly Base Policy Insurance 974,219 11,408.10 5,837.52 2,953.56 992.50 Guaranteed Insurability Rider 125,000 86.25 44.13 22.33 7.50 Non-guaranteed values include dividends which are neither estimates nor guarantees, but are based on the 2013 dividend scale. The dividend scale is reviewed annually and it is likely that dividends in future years will be lower or higher depending on the Company's actual experience. For this reason, we strongly recommend that you look at a hypothetical lower scale illustration available upon request. Refer to the Narrative Summary for assumptions, explanations and additional information. Page 10 of 18

Policy: Limited Payment Whole Life with Premiums Payable for 10 s Base Policy Face Amount: $974,219 Riders: ABR GIR TIR Monthly Premium: $1,000.00 Tabular s Dividend Option: Dividends used to purchase. Dividends are not guaranteed and are subject to significant fluctuations over the lifetime of the policy. Changes in dividends will change all Non-Guaranteed values ====Non-Guaranteed s==== Age End Contract Premium Guaranteed _ Guaranteed Dividend of Insurance 26 31 0 178,818 974,219 8,607 145,144 323,962 790,758 1,764,977 27 32 0 185,063 974,219 9,104 159,317 344,379 838,685 1,812,904 28 33 0 191,551 974,219 9,623 174,525 366,076 887,625 1,861,844 29 34 0 198,302 974,219 10,224 190,900 389,203 937,855 1,912,074 30 35 0 205,307 974,219 10,832 208,475 413,782 989,252 1,963,471 31 36 0 212,575 974,219 11,501 227,356 439,931 1,041,963 2,016,182 32 37 0 220,086 974,219 12,238 247,628 467,714 1,096,137 2,070,356 33 38 0 227,860 974,219 12,986 269,361 497,221 1,151,658 2,125,877 34 39 0 235,888 974,219 13,827 292,678 528,565 1,208,762 2,182,981 35 40 0 244,169 974,219 14,735 317,687 561,856 1,267,554 2,241,773 36 41 0 252,712 974,219 15,685 344,489 597,201 1,328,021 2,302,240 37 42 0 261,510 974,219 16,719 373,199 634,709 1,390,304 2,364,523 38 43 0 270,550 974,219 17,848 403,949 674,500 1,454,573 2,428,792 39 44 0 279,844 974,219 19,068 436,894 716,738 1,520,953 2,495,172 40 45 0 289,353 974,219 20,378 472,116 761,469 1,589,564 2,563,783 41 46 0 299,085 974,219 21,801 509,797 808,883 1,660,578 2,634,797 42 47 0 309,061 974,219 23,245 550,047 859,108 1,733,851 2,708,070 43 48 0 319,291 974,219 24,776 593,028 912,319 1,809,448 2,783,667 44 49 0 329,851 974,219 26,190 638,833 968,684 1,886,799 2,861,018 45 50 0 340,743 974,219 27,652 687,579 1,028,322 1,965,859 2,940,078 46 51 0 351,966 974,219 29,338 739,563 1,091,529 2,047,064 3,021,283 47 52 0 363,481 974,219 31,166 794,926 1,158,407 2,130,598 3,104,817 48 53 0 375,259 974,219 33,273 853,957 1,229,217 2,216,977 3,191,196 49 54 0 387,281 974,219 35,542 916,857 1,304,138 2,306,384 3,280,603 50 55 0 399,508 974,219 38,117 983,919 1,383,427 2,399,334 3,373,553 51 56 0 411,890 974,219 40,981 1,055,395 1,467,285 2,496,263 3,470,482 52 57 0 424,457 974,219 43,960 1,131,557 1,556,014 2,597,160 3,571,379 53 58 0 437,181 974,219 47,155 1,212,631 1,649,812 2,702,241 3,676,460 54 59 0 450,177 974,219 50,033 1,298,711 1,748,888 2,810,516 3,784,735 55 60 0 463,416 974,219 53,239 1,390,145 1,853,561 2,922,437 3,896,656 Non-guaranteed values include dividends which are neither estimates nor guarantees, but are based on the 2013 dividend scale. The dividend scale is reviewed annually and it is likely that dividends in future years will be lower or higher depending on the Company's actual experience. For this reason, we strongly recommend that you look at a hypothetical lower scale illustration available upon request. Refer to the Narrative Summary for assumptions, explanations and additional information. Page 11 of 18

Policy: Limited Payment Whole Life with Premiums Payable for 10 s Base Policy Face Amount: $974,219 Riders: ABR GIR TIR Monthly Premium: $1,000.00 Tabular s Dividend Option: Dividends used to purchase. Dividends are not guaranteed and are subject to significant fluctuations over the lifetime of the policy. Changes in dividends will change all Non-Guaranteed values ====Non-Guaranteed s==== Age End Contract Premium Guaranteed _ Guaranteed Dividend of Insurance 56 61 0 476,861 974,219 56,696 1,487,171 1,964,031 3,038,266 4,012,485 57 62 0 490,432 974,219 60,593 1,590,086 2,080,518 3,158,631 4,132,850 58 63 0 504,051 974,219 65,052 1,699,296 2,203,347 3,284,361 4,258,580 59 64 0 517,680 974,219 69,892 1,815,136 2,332,816 3,415,890 4,390,109 60 65 0 531,349 974,219 74,904 1,937,965 2,469,314 3,553,226 4,527,445 61 66 0 545,046 974,219 80,111 2,068,035 2,613,081 3,696,417 4,670,636 62 67 0 558,812 974,219 85,348 2,205,613 2,764,425 3,845,212 4,819,431 63 68 0 572,714 974,219 90,541 2,351,026 2,923,740 3,999,228 4,973,447 64 69 0 586,733 974,219 96,070 2,504,645 3,091,378 4,158,743 5,132,962 65 70 0 600,918 974,219 101,534 2,666,730 3,267,647 4,323,351 5,297,570 66 71 0 615,210 974,219 107,707 2,837,860 3,453,070 4,493,912 5,468,131 67 72 0 629,570 974,219 114,138 3,018,239 3,647,809 4,670,534 5,644,753 68 73 0 643,793 974,219 122,086 3,208,515 3,852,308 4,855,281 5,829,500 69 74 0 657,929 974,219 130,125 3,409,090 4,067,019 5,047,961 6,022,180 70 75 0 671,997 974,219 138,340 3,620,322 4,292,319 5,248,518 6,222,737 71 76 0 685,987 974,219 146,886 3,842,577 4,528,564 5,457,121 6,431,340 72 77 0 699,889 974,219 153,956 4,074,407 4,774,295 5,671,422 6,645,641 73 78 0 713,635 974,219 161,456 4,315,887 5,029,522 5,891,835 6,866,054 74 79 0 727,108 974,219 169,612 4,566,983 5,294,091 6,119,090 7,093,309 75 80 0 740,212 974,219 178,399 4,827,683 5,567,895 6,353,887 7,328,106 76 81 0 752,945 974,219 187,158 5,097,887 5,850,831 6,596,047 7,570,266 77 82 0 765,210 974,219 196,871 5,377,802 6,143,012 6,846,691 7,820,910 78 83 0 777,086 974,219 206,031 5,667,294 6,444,380 7,104,989 8,079,208 79 84 0 788,582 974,219 215,366 5,966,499 6,755,081 7,371,054 8,345,273 80 85 0 799,688 974,219 224,678 6,275,207 7,074,895 7,644,767 8,618,986 81 86 0 810,316 974,219 238,335 6,596,946 7,407,263 7,931,310 8,905,529 82 87 0 820,400 974,219 253,091 6,932,127 7,752,526 8,231,854 9,206,073 83 88 0 829,918 974,219 262,703 7,275,255 8,105,172 8,540,234 9,514,453 84 89 0 838,871 974,219 271,819 7,625,558 8,464,429 8,855,910 9,830,129 85 90 0 847,278 974,219 280,547 7,982,531 8,829,810 9,178,488 10,152,707 Non-guaranteed values include dividends which are neither estimates nor guarantees, but are based on the 2013 dividend scale. The dividend scale is reviewed annually and it is likely that dividends in future years will be lower or higher depending on the Company's actual experience. For this reason, we strongly recommend that you look at a hypothetical lower scale illustration available upon request. Refer to the Narrative Summary for assumptions, explanations and additional information. Page 12 of 18

Policy: Limited Payment Whole Life with Premiums Payable for 10 s Base Policy Face Amount: $974,219 Riders: ABR GIR TIR Monthly Premium: $1,000.00 Tabular s Dividend Option: Dividends used to purchase. Dividends are not guaranteed and are subject to significant fluctuations over the lifetime of the policy. Changes in dividends will change all Non-Guaranteed values ====Non-Guaranteed s==== Age End Contract Premium Guaranteed _ Guaranteed Dividend of Insurance 86 91 0 855,199 974,219 288,614 8,345,766 9,200,965 9,507,269 10,481,488 87 92 0 862,973 974,219 294,765 8,716,399 9,579,372 9,840,033 10,814,252 88 93 0 870,728 974,219 300,437 9,095,163 9,965,890 10,176,178 11,150,397 89 94 0 878,668 974,219 305,448 9,483,547 10,362,215 10,514,843 11,489,062 90 95 0 887,065 974,219 310,363 9,884,548 10,771,614 10,855,699 11,829,918 91 96 0 896,379 974,219 314,777 10,303,106 11,199,485 11,197,811 12,172,030 92 97 0 907,709 974,219 319,666 10,753,002 11,660,711 11,540,899 12,515,118 93 98 0 922,459 974,219 322,585 11,250,316 12,172,775 11,881,584 12,855,803 94 99 0 943,112 974,219 320,929 11,823,135 12,766,247 12,213,099 13,187,318 95 100 0 974,219 974,219 311,701 12,524,800 13,499,019 12,524,800 13,499,019 96 101 0 974,219 974,219 869,589 13,394,389 14,368,608 13,394,389 14,368,608 97 102 0 974,219 974,219 925,416 14,319,805 15,294,024 14,319,805 15,294,024 98 103 0 974,219 974,219 984,828 15,304,633 16,278,852 15,304,633 16,278,852 99 104 0 974,219 974,219 1,048,054 16,352,687 17,326,906 16,352,687 17,326,906 100 105 0 974,219 974,219 1,115,339 17,468,026 18,442,245 17,468,026 18,442,245 101 106 0 974,219 974,219 1,186,944 18,654,970 19,629,189 18,654,970 19,629,189 102 107 0 974,219 974,219 1,263,146 19,918,115 20,892,334 19,918,115 20,892,334 103 108 0 974,219 974,219 1,344,239 21,262,355 22,236,574 21,262,355 22,236,574 104 109 0 974,219 974,219 1,430,540 22,692,894 23,667,113 22,692,894 23,667,113 105 110 0 974,219 974,219 1,522,380 24,215,274 25,189,493 24,215,274 25,189,493 106 111 0 974,219 974,219 1,620,117 25,835,392 26,809,611 25,835,392 26,809,611 107 112 0 974,219 974,219 1,724,129 27,559,520 28,533,739 27,559,520 28,533,739 108 113 0 974,219 974,219 1,834,818 29,394,338 30,368,557 29,394,338 30,368,557 109 114 0 974,219 974,219 1,952,613 31,346,951 32,321,170 31,346,951 32,321,170 110 115 0 974,219 974,219 2,077,971 33,424,922 34,399,141 33,424,922 34,399,141 111 116 0 974,219 974,219 2,211,376 35,636,298 36,610,517 35,636,298 36,610,517 112 117 0 974,219 974,219 2,353,347 37,989,645 38,963,864 37,989,645 38,963,864 113 118 0 974,219 974,219 2,504,432 40,494,077 41,468,296 40,494,077 41,468,296 114 119 0 974,219 974,219 2,665,216 43,159,293 44,133,512 43,159,293 44,133,512 115 120 0 974,219 974,219 2,836,323 45,995,616 46,969,835 45,995,616 46,969,835 116 121 0 974,219 974,219 3,018,415 49,014,031 49,988,250 49,014,031 49,988,250 Non-guaranteed values include dividends which are neither estimates nor guarantees, but are based on the 2013 dividend scale. The dividend scale is reviewed annually and it is likely that dividends in future years will be lower or higher depending on the Company's actual experience. For this reason, we strongly recommend that you look at a hypothetical lower scale illustration available upon request. Refer to the Narrative Summary for assumptions, explanations and additional information. Page 13 of 18

Policy: Limited Payment Whole Life with Premiums Payable for 10 s Base Policy Face Amount: $974,219 Riders: ABR GIR TIR Monthly Premium: $1,000.00 Supplemental s Dividend Option: Dividends used to purchase. Dividends are not guaranteed and are subject to significant fluctuations over the lifetime of the policy. Changes in dividends will change all Non-Guaranteed values ====Non-Guaranteed s==== Age End Outlay Loan Outlay Dividend Basic Policy _ of _ Outstanding Loan 1 6 12,000 0 12,000 0 3,722 0 0 3,722 0 974,219 2 7 12,000 0 12,000 390 10,229 390 0 10,619 4,829 979,048 3 8 12,000 0 12,000 624 20,595 1,028 0 21,623 12,278 986,497 4 9 12,000 0 12,000 893 31,370 1,960 0 33,330 22,563 996,782 5 10 12,000 0 12,000 1,151 42,564 3,184 0 45,748 35,334 1,009,553 6 11 12,000 0 12,000 1,649 54,215 4,954 0 59,169 52,973 1,027,192 7 12 12,000 0 12,000 2,202 66,305 7,341 0 73,646 75,677 1,049,896 8 13 12,000 0 12,000 2,802 78,824 10,413 0 89,237 103,531 1,077,750 9 14 12,000 0 12,000 3,409 91,791 14,202 0 105,993 136,234 1,110,453 10 15 12,000 0 12,000 4,031 105,206 18,743 0 123,949 173,561 1,147,780 11 16 0 0 0 3,493 108,869 22,889 0 131,758 204,820 1,179,039 12 17 0 0 0 3,678 112,581 27,347 0 139,928 236,651 1,210,870 13 18 0 0 0 3,966 116,312 32,219 0 148,531 269,867 1,244,086 14 19 0 0 0 4,252 120,150 37,535 0 157,685 304,344 1,278,563 15 20 0 0 0 4,463 124,106 43,233 0 167,339 339,374 1,313,593 16 21 0 0 0 4,693 128,197 49,351 0 177,549 375,038 1,349,257 17 22 0 0 0 4,945 132,465 55,939 0 188,403 411,404 1,385,623 18 23-18,500 18,500-18,500 5,243 136,888 63,049 18,500 180,512 448,717 1,403,511 19 24-18,500 19,425-18,500 5,552 141,486 70,719 37,925 172,384 486,948 1,421,346 20 25-18,500 20,396-18,500 5,922 146,260 79,028 58,321 164,050 526,397 1,439,378 21 26-18,500 21,416-18,500 6,303 151,209 88,005 79,737 155,490 567,009 1,457,504 22 27-18,500 22,487-18,500 6,762 156,323 97,744 102,224 146,732 609,150 1,476,034 23 28-18,500 23,611-18,500 7,264 161,594 108,303 125,835 137,770 652,941 1,495,033 24 29-18,500 24,792-18,500 7,718 167,098 119,711 150,627 128,650 697,940 1,514,001 25 30-18,500 26,031-18,500 8,148 172,836 131,970 176,659 119,315 743,869 1,532,597 Current Premiums Coverage Face Amount ly Semi-ly Quarterly Monthly Base Policy Insurance 974,219 11,408.10 5,837.52 2,953.56 992.50 Guaranteed Insurability Rider 125,000 86.25 44.13 22.33 7.50 These illustrated amounts are not guaranteed. They include dividends, which are neither estimates nor guarantees, but are based on the 2013 dividend scale. The dividend scale is reviewed annually and it is likely that dividends in future years will be lower or higher depending on the Company's actual experience. For this reason, we strongly recommend that you look at a hypothetical lower scale illustration available upon request. Refer to the Narrative Summary for assumptions, explanations and additional information. This illustration is not valid unless accompanied by or preceded by a Basic Illustration dated 05/30/2013. Refer to the Basic Illustration for guaranteed elements and other important information. Page 14 of 18

Policy: Limited Payment Whole Life with Premiums Payable for 10 s Base Policy Face Amount: $974,219 Riders: ABR GIR TIR Monthly Premium: $1,000.00 Supplemental s Dividend Option: Dividends used to purchase. Dividends are not guaranteed and are subject to significant fluctuations over the lifetime of the policy. Changes in dividends will change all Non-Guaranteed values ====Non-Guaranteed s==== Age End Outlay Loan Outlay Dividend Basic Policy _ of _ Outstanding Loan 26 31-18,500 27,333-18,500 8,607 178,818 145,144 203,991 109,771 790,758 1,550,786 27 32-18,500 28,700-18,500 9,104 185,063 159,317 232,691 100,054 838,685 1,568,578 28 33-18,500 30,135-18,500 9,623 191,551 174,525 262,826 90,109 887,625 1,585,877 29 34-18,500 31,641-18,500 10,224 198,302 190,900 294,467 80,012 937,855 1,602,884 30 35-18,500 33,223-18,500 10,832 205,307 208,475 327,690 69,707 989,252 1,619,397 31 36-18,500 34,885-18,500 11,501 212,575 227,356 362,575 59,227 1,041,963 1,635,479 32 37-18,500 36,629-18,500 12,238 220,086 247,628 399,203 48,551 1,096,137 1,651,193 33 38-18,500 38,460-18,500 12,986 227,860 269,361 437,664 37,675 1,151,658 1,666,330 34 39 0 21,883 0 13,827 235,888 292,678 459,547 46,041 1,208,762 1,700,457 35 40 0 22,977 0 14,735 244,169 317,687 482,524 55,205 1,267,554 1,735,123 36 41 0 24,126 0 15,685 252,712 344,489 506,650 65,218 1,328,021 1,770,257 37 42 0 25,333 0 16,719 261,510 373,199 531,983 76,127 1,390,304 1,805,941 38 43 0 26,599 0 17,848 270,550 403,949 558,582 87,989 1,454,573 1,842,281 39 44 0 27,929 0 19,068 279,844 436,894 586,511 100,901 1,520,953 1,879,335 40 45 0 29,326 0 20,378 289,353 472,116 615,837 114,841 1,589,564 1,917,155 41 46 0 30,792 0 21,801 299,085 509,797 646,628 129,923 1,660,578 1,955,837 42 47 0 32,331 0 23,245 309,061 550,047 678,960 146,200 1,733,851 1,995,162 43 48 0 33,948 0 24,776 319,291 593,028 712,908 163,766 1,809,448 2,035,113 44 49 0 35,645 0 26,190 329,851 638,833 748,553 182,703 1,886,799 2,075,038 45 50 0 37,428 0 27,652 340,743 687,579 785,981 203,042 1,965,859 2,114,798 46 51 0 39,299 0 29,338 351,966 739,563 825,280 224,985 2,047,064 2,154,739 47 52 0 41,264 0 31,166 363,481 794,926 866,544 248,536 2,130,598 2,194,945 48 53 0 43,327 0 33,273 375,259 853,957 909,871 273,852 2,216,977 2,235,831 49 54 0 45,494 0 35,542 387,281 916,857 955,365 301,005 2,306,384 2,277,470 50 55 0 47,768 0 38,117 399,508 983,919 1,003,133 330,137 2,399,334 2,320,263 51 56 0 50,157 0 40,981 411,890 1,055,395 1,053,290 361,331 2,496,263 2,364,528 52 57 0 52,664 0 43,960 424,457 1,131,557 1,105,954 394,762 2,597,160 2,410,127 53 58 0 55,298 0 47,155 437,181 1,212,631 1,161,252 430,497 2,702,241 2,457,146 54 59 0 58,063 0 50,033 450,177 1,298,711 1,219,314 468,608 2,810,516 2,504,455 55 60 0 60,966 0 53,239 463,416 1,390,145 1,280,280 509,267 2,922,437 2,552,362 These illustrated amounts are not guaranteed. They include dividends, which are neither estimates nor guarantees, but are based on the 2013 dividend scale. The dividend scale is reviewed annually and it is likely that dividends in future years will be lower or higher depending on the Company's actual experience. For this reason, we strongly recommend that you look at a hypothetical lower scale illustration available upon request. Refer to the Narrative Summary for assumptions, explanations and additional information. This illustration is not valid unless accompanied by or preceded by a Basic Illustration dated 05/30/2013. Refer to the Basic Illustration for guaranteed elements and other important information. Page 15 of 18

Policy: Limited Payment Whole Life with Premiums Payable for 10 s Base Policy Face Amount: $974,219 Riders: ABR GIR TIR Monthly Premium: $1,000.00 Supplemental s Dividend Option: Dividends used to purchase. Dividends are not guaranteed and are subject to significant fluctuations over the lifetime of the policy. Changes in dividends will change all Non-Guaranteed values ====Non-Guaranteed s==== Age End Outlay Loan Outlay Dividend Basic Policy _ of _ Outstanding Loan 56 61 0 64,014 0 56,696 476,861 1,487,171 1,344,294 552,522 3,038,266 2,600,976 57 62 0 67,215 0 60,593 490,432 1,590,086 1,411,509 598,434 3,158,631 2,650,765 58 63 0 70,575 0 65,052 504,051 1,699,296 1,482,084 647,158 3,284,361 2,702,392 59 64 0 74,104 0 69,892 517,680 1,815,136 1,556,189 698,818 3,415,890 2,756,111 60 65-43,509 121,318-43,509 74,904 531,349 1,937,965 1,677,507 707,932 3,553,226 2,766,063 61 66-43,509 127,384-43,509 80,111 545,046 2,068,035 1,804,890 717,946 3,696,417 2,775,501 62 67-43,509 133,753-43,509 85,348 558,812 2,205,613 1,938,644 728,850 3,845,212 2,783,855 63 68-43,509 140,441-43,509 90,541 572,714 2,351,026 2,079,084 740,702 3,999,228 2,790,408 64 69-43,509 147,463-43,509 96,070 586,733 2,504,645 2,226,547 753,503 4,158,743 2,795,088 65 70-43,509 154,836-43,509 101,534 600,918 2,666,730 2,381,383 767,195 4,323,351 2,797,118 66 71-43,509 162,578-43,509 107,707 615,210 2,837,860 2,543,961 781,911 4,493,912 2,796,972 67 72-43,509 170,707-43,509 114,138 629,570 3,018,239 2,714,667 797,408 4,670,534 2,794,352 68 73-43,509 179,242-43,509 122,086 643,793 3,208,515 2,893,909 813,703 4,855,281 2,790,895 69 74-43,509 188,204-43,509 130,125 657,929 3,409,090 3,082,113 830,800 5,047,961 2,785,961 70 75-43,509 197,614-43,509 138,340 671,997 3,620,322 3,279,728 848,605 5,248,518 2,779,022 71 76-43,509 207,495-43,509 146,886 685,987 3,842,577 3,487,223 866,980 5,457,121 2,769,756 72 77-43,509 217,870-43,509 153,956 699,889 4,074,407 3,705,092 883,948 5,671,422 2,755,294 73 78-43,509 228,763-43,509 161,456 713,635 4,315,887 3,933,856 898,973 5,891,835 2,735,505 74 79-43,509 240,201-43,509 169,612 727,108 4,566,983 4,174,057 911,331 6,119,090 2,710,549 75 80-43,509 252,211-43,509 178,399 740,212 4,827,683 4,426,268 920,313 6,353,887 2,680,524 76 81-43,509 264,822-43,509 187,158 752,945 5,097,887 4,691,090 925,187 6,596,047 2,644,621 77 82-43,509 278,063-43,509 196,871 765,210 5,377,802 4,969,153 925,401 6,846,691 2,603,299 78 83-43,509 291,966-43,509 206,031 777,086 5,667,294 5,261,120 920,205 7,104,989 2,555,032 79 84-43,509 306,565-43,509 215,366 788,582 5,966,499 5,567,684 909,013 7,371,054 2,499,204 80 85-43,509 321,893-43,509 224,678 799,688 6,275,207 5,889,577 890,839 7,644,767 2,434,930 81 86 0 294,479 0 238,335 810,316 6,596,946 6,184,056 914,004 7,931,310 2,412,270 82 87 0 309,203 0 253,091 820,400 6,932,127 6,493,259 934,605 8,231,854 2,388,151 83 88 0 324,663 0 262,703 829,918 7,275,255 6,817,922 946,355 8,540,234 2,355,635 84 89 0 340,896 0 271,819 838,871 7,625,558 7,158,818 947,670 8,855,910 2,313,370 85 90 0 357,941 0 280,547 847,278 7,982,531 7,516,759 937,213 9,178,488 2,260,111 These illustrated amounts are not guaranteed. They include dividends, which are neither estimates nor guarantees, but are based on the 2013 dividend scale. The dividend scale is reviewed annually and it is likely that dividends in future years will be lower or higher depending on the Company's actual experience. For this reason, we strongly recommend that you look at a hypothetical lower scale illustration available upon request. Refer to the Narrative Summary for assumptions, explanations and additional information. This illustration is not valid unless accompanied by or preceded by a Basic Illustration dated 05/30/2013. Refer to the Basic Illustration for guaranteed elements and other important information. Page 16 of 18

Policy: Limited Payment Whole Life with Premiums Payable for 10 s Base Policy Face Amount: $974,219 Riders: ABR GIR TIR Monthly Premium: $1,000.00 Supplemental s Dividend Option: Dividends used to purchase. Dividends are not guaranteed and are subject to significant fluctuations over the lifetime of the policy. Changes in dividends will change all Non-Guaranteed values ====Non-Guaranteed s==== Age End Outlay Loan Outlay Dividend Basic Policy _ of _ Outstanding Loan 86 91 0 375,838 0 288,614 855,199 8,345,766 7,892,597 913,739 9,507,269 2,194,262 87 92 0 394,630 0 294,765 862,973 8,716,399 8,287,226 877,784 9,840,033 2,112,664 88 93 0 414,361 0 300,437 870,728 9,095,163 8,701,588 829,223 10,176,178 2,013,730 89 94 0 435,079 0 305,448 878,668 9,483,547 9,136,667 768,714 10,514,843 1,895,561 90 95 0 456,833 0 310,363 887,065 9,884,548 9,593,500 698,438 10,855,699 1,756,743 91 96 0 479,675 0 314,777 896,379 10,303,106 10,073,175 622,651 11,197,811 1,595,196 92 97 0 503,659 0 319,666 907,709 10,753,002 10,576,834 555,035 11,540,899 1,409,442 93 98 0 528,842 0 322,585 922,459 11,250,316 11,105,676 511,815 11,881,584 1,194,844 94 99 0 555,284 0 320,929 943,112 11,823,135 11,660,960 522,239 12,213,099 943,310 95 100 0 583,048 0 311,701 974,219 12,524,800 12,244,008 642,811 12,524,800 642,811 96 101 0 612,200 0 869,589 974,219 13,394,389 12,856,208 869,589 13,394,389 869,589 97 102 0 642,810 0 925,416 974,219 14,319,805 13,499,019 1,120,054 14,319,805 1,120,054 98 103 0 674,951 0 984,828 974,219 15,304,633 14,173,969 1,396,184 15,304,633 1,396,184 99 104 0 708,698 0 1,048,054 974,219 16,352,687 14,882,668 1,700,104 16,352,687 1,700,104 100 105 0 744,133 0 1,115,339 974,219 17,468,026 15,626,801 2,034,103 17,468,026 2,034,103 101 106 0 781,340 0 1,186,944 974,219 18,654,970 16,408,141 2,400,640 18,654,970 2,400,640 102 107 0 820,407 0 1,263,146 974,219 19,918,115 17,228,548 2,802,358 19,918,115 2,802,358 103 108 0 861,427 0 1,344,239 974,219 21,262,355 18,089,976 3,242,099 21,262,355 3,242,099 104 109 0 904,499 0 1,430,540 974,219 22,692,894 18,994,475 3,722,915 22,692,894 3,722,915 105 110 0 949,724 0 1,522,380 974,219 24,215,274 19,944,198 4,248,085 24,215,274 4,248,085 106 111 0 997,210 0 1,620,117 974,219 25,835,392 20,941,408 4,821,132 25,835,392 4,821,132 107 112 0 1,047,070 0 1,724,129 974,219 27,559,520 21,988,479 5,445,837 27,559,520 5,445,837 108 113 0 1,099,424 0 1,834,818 974,219 29,394,338 23,087,903 6,126,259 29,394,338 6,126,259 109 114 0 1,154,395 0 1,952,613 974,219 31,346,951 24,242,298 6,866,757 31,346,951 6,866,757 110 115 0 1,212,115 0 2,077,971 974,219 33,424,922 25,454,413 7,672,007 33,424,922 7,672,007 111 116 0 1,272,721 0 2,211,376 974,219 35,636,298 26,727,133 8,547,027 35,636,298 8,547,027 112 117 0 1,336,357 0 2,353,347 974,219 37,989,645 28,063,490 9,497,199 37,989,645 9,497,199 113 118 0 1,403,175 0 2,504,432 974,219 40,494,077 29,466,665 10,528,298 40,494,077 10,528,298 114 119 0 1,473,333 0 2,665,216 974,219 43,159,293 30,939,998 11,646,514 43,159,293 11,646,514 115 120 0 1,547,000 0 2,836,323 974,219 45,995,616 32,486,998 12,858,487 45,995,616 12,858,487 These illustrated amounts are not guaranteed. They include dividends, which are neither estimates nor guarantees, but are based on the 2013 dividend scale. The dividend scale is reviewed annually and it is likely that dividends in future years will be lower or higher depending on the Company's actual experience. For this reason, we strongly recommend that you look at a hypothetical lower scale illustration available upon request. Refer to the Narrative Summary for assumptions, explanations and additional information. This illustration is not valid unless accompanied by or preceded by a Basic Illustration dated 05/30/2013. Refer to the Basic Illustration for guaranteed elements and other important information. Page 17 of 18

Policy: Limited Payment Whole Life with Premiums Payable for 10 s Base Policy Face Amount: $974,219 Riders: ABR GIR TIR Monthly Premium: $1,000.00 Supplemental s Dividend Option: Dividends used to purchase. Dividends are not guaranteed and are subject to significant fluctuations over the lifetime of the policy. Changes in dividends will change all Non-Guaranteed values ====Non-Guaranteed s==== Age End Outlay Loan Outlay Dividend Basic Policy _ of _ Outstanding Loan 116 121 0 1,624,350 0 3,018,415 974,219 49,014,031 34,111,348 14,171,335 49,014,031 14,171,335 These illustrated amounts are not guaranteed. They include dividends, which are neither estimates nor guarantees, but are based on the 2013 dividend scale. The dividend scale is reviewed annually and it is likely that dividends in future years will be lower or higher depending on the Company's actual experience. For this reason, we strongly recommend that you look at a hypothetical lower scale illustration available upon request. Refer to the Narrative Summary for assumptions, explanations and additional information. This illustration is not valid unless accompanied by or preceded by a Basic Illustration dated 05/30/2013. Refer to the Basic Illustration for guaranteed elements and other important information. Page 18 of 18

Client Input Summary Company: MassMutual Designs - Life Product: Leg 10 WL Case: College Plan $1000mo May 30, 2013 6.72.26, 6.30.21 Client #1 Insured First Name d Last Name Client Sex Male Date of Birth Issue Age 5 Class Non-Tobacco Table Rating None Temp. Table Rating Temp. Table Rating Period Temp. Flat Extra Perm. Flat Extra Tax Bracket Percent 01 to 116-28 Contract State New York Design Design Base Premium Mode Monthly Known Initial Premium Initial Modal Premium Amount 1000 Dividend Option 01 to 116 - Paid Up Loan Rate Adjustable Illustrate APO No Illustrate Flexible Outlay No 1035 Exchange No Options Product Type Dividend Rate Policy Owner Owner Age Reduced Paid Up Non-Qualified Current Individual Riders Waiver of Premium [WP] No Renewable Term Rider [RTR] No Guaranteed Insurability Rider [GIR] Yes GIR Amount 125000 Page 1 of 2

Client Input Summary Company: MassMutual Designs - Life Product: Leg 10 WL Case: College Plan $1000mo May 30, 2013 6.72.26, 6.30.21 Client #1 Riders - Cont'd Include GIR in Additional Life Ins. Rider [ALIR] - Scheduled Additional Life Ins. Rider [ALIR] - Unscheduled Long Term Care Access Rider [LTCR] Premium No No No Disbursements Disbursements Yes Disbursement Option Loans Disbursements 18 to 33-18500 60 to 80 - Solve for Max 81 to 116-0 Loan Interest Option Borrow from Policy Repay Loans No Reports Reports No Agent Info Agent First Name Michael Agent Last Name Fliegelman CLU, ChFC, AEP, RFC Agent Company Independent Insurance And Financial Consulting Agent Address1 5 Harborfields Ct Agent Address2 Agent City Greenlawn Agent State New York Agent Zip Code 11740 Agent Phone Number (631) 806-3568 Agent Email Agent License Number LA-626450 Agent Health License LTCR Pre-sale Training Completed MMLISI Registered Yes Bank Sale No Comments: Page 2 of 2