Product portfolio strength Group Whole Life Insurance FOR FINANCIAL

Product portfolio strength Group Whole Life Insurance FOR FINANCIAL PROFESSIONAL AND EMPLOYER USE ONLY. NOT FOR USE WITH EMPLOYEES.

Group Whole Life Insurance Key features 1 2 Guaranteed level premium Guaranteed cash-value growth Guaranteed death benefit Guaranteed Issue / Express Issue1 Dividend eligible2 Permanent & portable Subject to minimum participation limits. Dividends are not guaranteed. The certificate is eligible to receive dividends beginning on the second anniversary FOR FINANCIAL PROFESSIONAL AND EMPLOYER USE ONLY. NOT FOR USE WITH EMPLOYEES. 2

MassMutual@WORK Group Whole Life Insurance A simple application process Answer just three underwriting questions to determine eligibility Within the last 12 months have you used tobacco or other nicotine containing products? 1 2 3 Are you actively at work at your usual and customary location, maintaining your normal work schedule, performing all the duties of your occupation without limitation due to injury or sickness? During the last 2 years, have you sought treatment for, been treated for, or been diagnosed by a member of the medical profession as having any of the following: Cancer Stroke or transient ischemic attack Heart Attack, coronary artery, valve disease, heart failure or cardiomyopathy Chronic Kidney disease or kidney failure Alcohol or drug abuse Parkinson's disease or paralysis Diabetes for which the recommended treatment is insulin Cirrhosis of the liver or hepatitis Chronic obstructive pulmonary disease, emphysema or other chronic lung disease AIDS or tested positive for HIV or its antibodies 3

Group Whole Life Insurance Chronic Care Benefit An Accelerated Death Benefit for Chronic Illness Simple design, simple story, benefit is available if needed, charge only applies if exercised. Provides acceleration of a portion of the death benefit if the Insured has a Chronic Illness. The benefit is paid in a lump sum, and can be used as the certificate owner sees fit. The Insured must meet the definition of Chronically Ill generally this means: -Permanent loss of 2 ADLs (activities of daily living), or -Requiring substantial supervision due to severe cognitive impairment Chronic Care Benefit can help with the financial impacts associated with Chronic Illness. There is no additional premium charged for the benefit. Insured Attained Age Fee As A % Of The Eligible Amount For The Chronic Care Benefit Age 45 and above 18% Ages 35 -44 27% Under age 35 36% FOR FINANCIAL PROFESSIONAL AND EMPLOYER USE ONLY. NOT FOR USE WITH EMPLOYEES. 4

Group Whole Life Insurance How it works Group participating whole life Premiums paid until age 95 Matures at age 121 Group policy with individually-owned certificates Unisex smoker-distinct premium rates Based on group’s situs state OVERVIEW C E RT I F I C AT E ISSUE AGES Issue ages: Employees 18 - 75 Minimum face amount: 10,000 Minimum face amount is 25,000 in WA B U I LT - I N PROVISION Accelerated Death Benefit for terminal illness Allows certificate owner to receive an advance, or acceleration, of a portion of their death benefit if the insured is diagnosed with a terminal illness and is expected to result in death within 12 months. * * The insured must be diagnosed after certificate is in effect and the terminal illness is expected to result in death within 12 months. This period may be 24 months in some states. FOR FINANCIAL PROFESSIONAL AND EMPLOYER USE ONLY. NOT FOR USE WITH EMPLOYEES. 5

Group Whole Life Insurance Dependent coverage You may select one of the following options: DEPENDENT COVERAGE Whole Life Certificates Available for spouse, child and grandchild (features are same as employee coverage). One certificate per insured dependent is issued with rate based on age/tobacco status. Employee issue ages: 18 – 75 may apply for coverage on their dependents. Spouse issue ages: 18 – 60 Child/Grandchild issue ages: 14 days to 26 years2 Face amount:1 25,000, not to exceed amount issued to the employee. Riders: None Spouse & Children’s Term Insurance Riders (attached to employee certificate). 1 2 Employee issue ages: Spouse coverage ages: Child coverage ages: Rider face amounts: 18 – 60 may add term insurance riders to their certificates. 18 – 65 14 days to 26 years2 10,000 or 20,000 Face amount cannot exceed employee coverage amount in all states except NE. In NE cannot exceed 50% of employee coverage Must be a dependent based on federal tax rules FOR FINANCIAL PROFESSIONAL AND EMPLOYER USE ONLY. NOT FOR USE WITH EMPLOYEES. 6

Thank You FOR FINANCIAL PROFESSIONAL AND EMPLOYER USE ONLY. NOT FOR USE WITH EMPLOYEES.