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If life were this predictable, your clients wouldn’t need to prepare. But they do. So make sure you recommend long term care insurance protection from a companywith 154 years of financial strength. A company with sincere dedication to choice and quality of life for you and your clients. At MassMutual, we have a track record of helpingfinancial representatives build expertise and achieve professional success through innovation, training and quality service. For more information, call 1-866-9-PREPARE orgo to massmutual.com/notaburden. And tell your clients to keep the guest room ready, just in case. You can’t predict. You can prepare.®

Retirement Services/401(k) Plans • Life Insurance • Disability Income Insurance • Long Term Care Insurance • Annuities • Trust Services • Income Products • Investments

Carefully consider a fund’s investment objectives, risks, charges & expenses before investing. Ask your registered representative for a prospectus containing this & other fund information. Read it carefully before investing. ©2005 Massachusetts Mutual Life Insurance Co.(MassMutual), Springfield, MA 01111. Securities products and services offered through MML Investors Services, Inc., a MassMutual subsidiary, member SIPC, and OppenheimerFunds Distributor, Inc., an affiliate of MassMutual. Trust Services offered through The MassMutual Trust Co., FSB. Insurance products are issued by Massachusetts Mutual Life Insurance Company and its affiliated insurance companies.

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