Quality and Performance Matter 2015

© 2015 Massachusetts Mutual Life Insurance Company, Springfield, MA 01111-0001. All rights reserved. www.massmutual.com. MassMutual Financial Group is a marketing name for Massachusetts Mutual Life Insurance Company (MassMutual) and its affiliated companies and sales representatives.

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1 Massachusetts Mutual Life Insurance Company and its subsidiaries, C.M. Life Insurance Company and MML Bay State Life Insurance Company

2 Assets Under Management include assets and certain external investment funds managed by MassMutual subsidiaries, including OppenheimerFunds, Inc., Baring Asset Management Limited, Babson Capital Management LLC, and Cornerstone Real Estate Advisers LLC.

3 These consolidated results of Massachusetts Mutual Life Insurance Company also include its U.S.-domiciled, wholly owned subsidiaries: MML Bay State Life Insurance Company and C.M. Life Insurance Company.

4 Weighted sales are based on annualized new premium, with single premium payments calculated at 10 percent.

5 Dividends are determined annually, subject to change and not guaranteed.6 Data source: FORTUNE ® Magazine, 6/15/157 MassMutual pays the premiums on $50,000 of term life insurance for eligible

parents or guardians, with the benefit paid into a trust earmarked for their child’s education. Trust services provided by The MassMutual Trust Company, fsb, a wholly-owned subsidiary of MassMutual.

Who you choose to work with matters. Consider an established, highly respected company based on demonstrated indications of quality and performance. Massachusetts Mutual Life Insurance Company (MassMutual)…

A mutual life insurance company providing long-term value• Hasretainedmorethan113,000policiesfor50yearsor

longerasofDecember31,20141

• Paid$3.9billionininsuranceandannuitybenefitsin2014

A strong, stable company with consistent growth• Ended2014withanewhighof$651billionofassets

under management2

• Finished2014witharecordleveloftotaladjustedcapital –$16.4billion,whilesurplustotaled$14.2 billion;botharekeyindicatorsofthecompany’sfinancial strength3

• Achievedrecord-breakingweightedwholelifeinsurancesales4of$418million–theninthstraightyearin2014–andreached$11 billionintotalretirementservicessalesforthethirdconsecutiveyearandarecord$9.1billionofretirementplansalesin2014

• Supportedanationalnetworkofmorethan5,500financialprofessionalsatyear-end2014

A company with a long history of dividends to policyowners• Haspaiddividendstoeligibleparticipatingpolicyowners

consistentlysincethe1860s5

• Totaledmorethan$30billionofdividendstoeligibleparticipatingpolicyowners,1960–2014

One of America’s largest companies• Ranked94intheannualFORTUNE®500ranking6

A responsible company• Providednearly$11millionincharitablecontributions

in2014withafocusoneducation,communityvitalityandeconomicdevelopmentinthecommunitieswherewedobusiness,andlaunchedourFutureSmartSMChallenge,bringingfinancialeducationtonearly10,000middleschoolstudentsacrossthecountry

• Nameda2015World’sMostEthicalCompanybytheEthisphereInstituteandrecognizedbyContactCenterWorldasoneoftheAmericas’2014toprankingperformersinitscontactcenterandcustomerservicecategories

• Issuedover$670millionoflifeinsurancecoverageandmorethan13,400policiessince2002throughMassMutual’sLifeBridgeSMFree LifeInsuranceProgram7

• UpgradedourSpringfieldDataCenterwithstate-of-the-arttechnologyandenergy-efficientcomponentsin2014,whichpositionusforfuturegrowthandareexpectedtosave$421,000,annually