1. Disability Income Insurance Long Term Care (LTC) Credit Endorsement For Producer Use Only. Not For Use with The Public. C:57866

2. LTC Credit Endorsement 2% of total (cumulative) premium paid on a MassMutual disability income policy is used as a credit towards first year MassMutual LTCi premium includes waiver of premium includes policy fee For Producer Use Only. Not For Use with The Public.

3. LTC Credit Endorsement Endorsement to be included on all Radius® ’04 Series, MaxElect, RetireGuard® Standalone, FlexElect Multi-life (issued after 11-1-04) and FlexElect Individual (issued after 11-1-04) policies Part of base policy (i.e. like Right to Apply Provision) Will not be available for in force business For Producer Use Only. Not For Use with The Public.

4. LTC Credit Endorsement Guidelines Don’t have to surrender DI policy to use credits Can only be used once on one LTCi policy (if credits exceed LTCi premium, remainder of credits are forfeited) Available on all occupation classes, all benefit periods and waiting periods, issued to age 64 Have one year from when the individual disability insurance (IDI)policy expires to use credits (IDI policy must be in force for at least 1 year) For Producer Use Only. Not For Use with The Public.

5. LTC Credit Endorsement - Marketing Allows healthy insureds to purchase LTCi at a reduced first year premium with the opportunity to get preferred rates Can combine policy credits (i.e. Radius and RetireGuard Standalone) Can be used by insured or insured’s immediate family (spouse, parents, spouse’s parents, children) LTC Producers will receive commission on full LTC premium, not a reduced premium due to the application of the credits. Report on illustration system showing how credits will accumulate For Producer Use Only. Not For Use with The Public.

6. LTC Credit Endorsement Information Included in the following Marketing Materials Product-at-a-Glance (MaxElect, Radius, FlexElect Multi-life, FlexElect Individual) Consumer Brochure (MaxElect, Radius, FlexElect Multi-life, FlexElect Individual) Annotated Policy (MaxElect, Radius, FlexElect Multi-life, FlexElect Individual) Product Portfolio (DI1900) Worksite Producers Guide (DI1806) Individual Marketing Producer Guide (DI2600) For Producer Use Only. Not For Use with The Public.