1. For Producer Use Only. Not For Use With The Public. CRN201112-128871 Disability Income Insurance Radius® Executive Select

2. For Producer Use Only - Not For Use With The Public CRN201112-128871 Radius ® Executive Select Program  Concept Review  Program Specifics  Coverage Options  Underwriting  Marketing Material  FAQs

3. For Producer Use Only - Not For Use With The Public CRN201112-128871 Benefits of this program  Provide more coverage to clients earning $800K+  Issue up to $15,000 per month of additional coverage  Can participate with higher-than-normal limits – up to $35,000, $40,000 or even up to $50,000 on select cases Radius ® Executive Select Program

4. For Producer Use Only - Not For Use With The Public CRN201112-128871 Program Details  Minimum Income Required - $800,000 o Minimum Policy benefit amount - $1,000  5A/4A Occupations o No Medical/Dental Occupations  Issue Ages – 18 to 60  Discounts are not available with this program  Not available in CA, FL, PR Radius ® Executive Select Program

5. For Producer Use Only - Not For Use With The Public CRN201112-128871 Program Details  Extra Premium required – percentage determined by benefit period o 2 year = 100% extra premium o 5 year = 110% extra premium  Maximum Replacement Ratios o With Group LTD – 50% o Without Group LTD – 25%  Taxability is not considered; same replacement ratio for both taxable and non-taxable purchased coverage  Can issue up to $15,000 per month and participate up to $35,000 per month with IDI and $40,000 or $50,000 with GLTD Radius ® Executive Select Program The information provided is not written or intended as specific tax or legal advice and may not be relied on for purposes of avoiding any Federal tax penalties. 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.

6. For Producer Use Only - Not For Use With The Public CRN201112-128871 Program Details  Separate application must be submitted in order to qualify under this program o Coverage may not be added to an existing Radius policy  Full commissions are payable  No dividend reduction (dividends are not guaranteed)  List bills available o Separate suffix if part of existing group o No associated discount will apply Radius ® Executive Select Program

7. For Producer Use Only - Not For Use With The Public CRN201112-128871 Coverage Options  Radius 07 series contract only  Total disability coverage – no optional benefits  Benefit periods: choose 2 or 5 year  Waiting periods: choose 180 or 365  Premium is level premium o Extra premium based on benefit period is included and guaranteed to age 65 Radius ® Executive Select Program

8. For Producer Use Only - Not For Use With The Public CRN201112-128871 Underwriting - Medical Requirements  Paramedical Exam  Chemical Profile and Home Office Specimen  Attending Physician Statement – Complete physical within 24 months or cause  Personal History Interview  Supplementary Health Statement – for cause Radius ® Executive Select Program

9. For Producer Use Only - Not For Use With The Public CRN201112-128871 Underwriting - Medical Requirements  Program is highly selective  Clients who would not qualify for IDI will not be eligible for Executive Select Program  Individual consideration for any history of psychological/emotional disorder  No offer if rating is 250% or higher  No offer for case where three or more exclusion riders are necessary Radius ® Executive Select Program

10. For Producer Use Only - Not For Use With The Public CRN201112-128871 Underwriting - Financial Requirements  2 Years complete Personal tax returns including W-2*  Statement of Net Worth (DI1961n) for all cases *Business tax returns also required, if applicable Radius ® Executive Select Program

11. For Producer Use Only - Not For Use With The Public CRN201112-128871 Underwriting - Financial Underwriting  Program is highly selective  Clients who would not qualify for IDI will not be eligible for Executive Select Program  Income will include all cash compensation averaged over a two-year period  Also include deferred compensation up to a combined total of 20% of cash compensation  Stock options will not be included as income Radius ® Executive Select Program

12. For Producer Use Only - Not For Use With The Public CRN201112-128871 Submission Process  For GSI Offers up to $15,000 per month o Multi-life underwriter will identify o If quote is desired, underwriter will request o Quote and Program Details sent back to producer o Case should be identified as Executive Select Program with cover sheet and in comments section of policy  For offers above the GSI amount o Producer to complete “Inquiry Form”; (Form #DI2211) send to underwriting contact o Underwriting contact will do initial review and request illustration o Quote will be forwarded back to producer o Case should be identified as Executive Select Program with cover sheet and in comments section of policy Radius ® Executive Select Program

13. For Producer Use Only - Not For Use With The Public CRN201112-128871 Radius ® Executive Select Marketing Kit Customized Illustration Cover Sheet Folder (DI7083) MassMutual Fact Sheet (COR3689) Radius Executive Select Program customizable flyer (DI7086)

14. For Producer Use Only - Not For Use With The Public CRN201112-128871 Frequently Asked Questions  For 5A/4A occupations only – not available to medical or dental occupations o Business Owner Upgrade and Executive Upgrade Program not available for this program  Because this program targets those with a need that is currently not being addressed, those with net worth exceeding $10M may not be eligible  Two applications are required and two policies will be issued when concurrent coverage is applied for (ex: GSI offer and Executive Select request) Radius ® Executive Select Program

15. For Producer Use Only - Not For Use With The Public CRN201112-128871 Frequently Asked Questions  Coverage will be issued using the Radius 07 series product  Illustration Request form and Statement of Net Worth form can be found on FieldNet Radius ® Executive Select Program

16. For Producer Use Only - Not For Use With The Public CRN201112-128871 Contacts  General Information – Internal Wholesaler Unit at 1-800-767-1000 (follow prompts)  Individual New Business Underwriter  Multi-life Underwriter  DI Masters Unit (Illustration Support for DI Masters) Radius ® Executive Select Program

17. For Producer Use Only - Not For Use With The Public CRN201112-128871 © 2009 Massachusetts Mutual Life Insurance Company, Springfield, MA. 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.