Essential ProtectionA foundation of your financial security

The decision to purchase life insurance should be based on long-term financial goals and the need for a death benefit. Life insurance is not an appropriate vehicle for short-term savings or short-term investment strategies. While the policy allows for loans, you should know that there may be little to no cash value available for loans in the policy’s early years, and when a loan is taken, it will reduce the death benefit.

The information provided 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.

Family is the center of our lives. It’s why we sacrifice every day, so that they have the future they deserve.

And the best gift we can give them is to plan for their financial security and well-being. It’s the most responsible way to show them the love we have for them.

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An act of lovePlanning your financial future is something more than just preparing for your retirement. It also means thinking about how your family will carry on if something were to happen to you. Essential Protection can be the foundation to give you and your loved ones that financial security.

Many depend on youYour ability to generate income and benefits from your work is a very important asset for your family. And maybe not only for those who live under the same roof, but also for other relatives who depend on you and live far away.

Have you thought about what could happen if you suddenly die or become disabled? Who will pay for the mortgage and monthly living expenses? Would they still be able to save for your children’s education or retirement?

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Protect your value as a provider for your familyYour loved ones depend on you and no one can replace how hard you work to provide for them. Do you know what you will contribute to your family over the course of your working years?

You can determine this value by multiplying your current annual income by the number of years left until retirement to estimate the total income that you might receive during your working years. To help you calculate it, you can use the following graph.

These amounts do not include pay increases, inflation, taxes, any other contributions, or the time value of money.

E A R N E D I N C O M E U N T I L R E T I R E M E N T

For example, if you are now making $100,000 and you want to work for 30 years, the total income that you could earn during your working years is $3,000,000.

Earn

ed in

com

e ov

er 3

0 ye

ars

Annual income

$8M$7M$6M$5M$4M$3M$2M$1M

$0.0$50,000 $100,000 $250,000

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Essential Protection for your familyAn effective way to help secure your loved ones’ future is with Essential Protection. This means protecting your income with an appropriate amount of life and disability income insurance.

With Essential Protection, you may sleep soundly knowing that if you die or become too sick or hurt to work, your loved ones may move forward.

Your Massachusetts Mutual Life Insurance Company (MassMutual) Financial Professional has the tools and experience to help you determine the right amounts and right types of insurance to help meet your financial needs, and can answer any questions you may have.

Find your nearest MassMutual office at massmutual.com

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What is the appropriate amount of disability income insurance?1 out of 4 of today’s 20-year-olds will become disabled before reaching retirement age.1 Approximately 90% of all disabilities are caused by illness rather than injuries.2

If you are unable to work due to an injury or illness, disability income insurance can replace part of your income to cover the needs of the family during this time. You may have group long-term disability coverage through work, and that is a great start. However, most plans generally only replace 60% of your salary, are taxable and do not protect your bonus or commission income. Overall, these benefits may not provide the level of income you want for your family. The appropriate amount will depend on your personal situation. One of our Financial Professionals will help you determine the amount that fits your needs. Find a Financial Professional near you at massmutual.com.

What is the appropriate amount of life insurance?Life insurance generally provides a tax-free benefit amount to help your family maintain their standard of living if you should die unexpectedly. It is important to have the right amount and type of life insurance protection.

Your MassMutual Financial Professional can help you determine the appropriate amount with the How Much Life Insurance Do I Need? online calculator that you will find at massmutual.com. This calculator takes into account all your future income, as well as your benefits through work and the value of personal contributions you make to your loved ones.

Essential ProtectionAn effective plan for the unexpected

1 Social Security Administration, The Facts about Social Security’s Disability Program, January 2017.2 Council for Disability Awareness, 2014 Long Term Disability Claims Review.

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Secure their futureWhat you provide for your family is what makes everything else in their lives possible. It makes sense to protect it.

Once you have the Essential Protection your family needs, you can focus on your other financial goals, like saving for your children’s education or your retirement.

At MassMutual, we want to help you achieve your financial goals. We have useful tools, and our Financial Professionals are waiting for your questions. The more informed you are, the better opportunity you’ll have in contributing to the legacy you may leave for your loved ones.

Take the first step toward your future financial education and visit our nearest

office, or go to massmutual.com.

© 2017 Massachusetts Mutual Life Insurance Company (MassMutual), Springfield, MA 01111-0001. All rights reserved. www.massmutual.com.MC1117 917 CRN201907-214396

Policies, applications, administrative documents and forms are only available in English.

Insurance products issued by Massachusetts Mutual Life Insurance Company (MassMutual) (Springfield, MA 01111) and its subsidiaries, C.M. Life Insurance Co. and MML Bay State Life Insurance Co. (Enfield, CT 06082). C.M. Life Insurance Co. and MML Bay State Life Insurance Co. are non-admitted in New York.

Disability income insurance policies have exclusions and limitations. For costs and complete details of coverage, find your nearest MassMutual Financial Professional at www.massmutual.com.

Learn more at www.massmutual.com

There are many reasons to choose a life insurance company to help you reach your financial goals:

protection for your family or business, products to provide additional income and the confidence of knowing

you will be prepared for the future.

At Massachusetts Mutual Life Insurance Company (MassMutual), we work hard for the benefit

of our policyowners. We firmly believe that your future begins with a good decision. That’s why when you choose a

life insurance company, its ownership, strength and stability are important.