At-A-Glance The MassMutual Fact Sheet Massachusetts Mutual Life Insurance Company (MassMutual) is a leading mutual life insurance company that is run for the benefit of its members and participating policyown- ers. The company has a long history of financial strength and strong performance, and although dividends are not guaranteed, MassMutual has paid dividends to eligible partici- pating policyowners consistently since the 1860s. With whole life insurance as its foundation, MassMutual provides products to help meet the financial needs of clients, such as life insurance, disability income insurance, long term care insurance, retirement/401(k) plan services, and annuities. In addition, the company’s strong and growing network of financial professionals helps clients make good financial decisions for the long term. MassMutual continued its tradition of strength, stability and performance in 2013: • Grew total adjusted capital to a record $14.5 billion – surplus totaled $12.5 billion; both are key indicators of the company’s financial strength* • Approved payment of an estimated dividend of $1.5 billion to eligible participating policyowners for 2014, the highest amount ever in our history** • Paid $2.7 billion in insurance and annuity benefits – MassMutual and its subsidiaries1 Financial Strength Ratings • Supported a national network of more than 5,200 financial professionals at year-end 2013 • Ended 2013 with a new high of $639 billion for assets under management2 MassMutual’s financial strength ratings are among • Measured an increase in premium and other deposits to $39 billion3 the highest of any company in any industry. • Continued growth of worldwide insurance in force to $547 billion A.M. Best Company ................A++ (Superior) • Reported the industry’s third most whole life insurance sales and ninth most total life 4 5 Fitch Ratings ...........................AA+ (Very Strong) insurance sales , and an eighth consecutive year of record weighted whole life sales , increas- ing to $347 million* Moody’s Investors Service ......Aa2 (Excellent) • Surpassed $11 billion in total retirement services sales for the second consecutive year Standard & Poor’s ...................AA+ (Very Strong) including a record $7.4 billion of retirement plan sales in 2013 • Provided nearly $8 million in philanthropic investments with a focus on education, community Ratings apply to Massachusetts Mutual Life vitality and economic development in the communities where we do business Insurance Company and its subsidiaries: • Issued over $660 million of life insurance coverage and more than 13,200 policies, C.M. Life Insurance Company and MML Bay 2002 – year-end 2013, through MassMutual’s LifeBridgeSM Free Life Insurance Program6, State Life Insurance Company. Ratings are as of which provides free life insurance to benefit the children of eligible working parents or 6/1/2014 and are subject to change. guardians; MassMutual pays the premiums To view the MassMutual Annual Report, visit • Ranked 96 in FORTUNE ® Magazine’s FORTUNE ® 500 (June 16, 2014) and the most admired MassMutual.com/AnnualReport mutual company in the life and health insurance industry category on its annual “World’s Most Admired Companies®” list (March 17, 2014); named a 2014 World’s Most Ethical Company by the Ethisphere Institute, one of 25 Noteworthy Companies by DiversityInc in 2014 and ranked as number three on its “Top 10 Companies for LGBT Employees” list for 2014; listed on the Human Rights Campaign Corporate Equality Index 2014 Best Places to Work List and on the National Association for Female Executives’ 2014 list of Top 50 Companies for Executive Women, and one of the 2013 Working Mother 100 Best Companies; recognized by ContactCenterWorld as one of the Americas’ top ranking performers in its contact center and customer service categories – to see MassMutual’s full list of honors, visit www.massmutual.com Needs-based Strategies MassMutual At A Glance What We Offer Who We Help How We Help Domestic • Individuals Through a nationwide network of trusted fi nancial professionals, we offer a Insurance and • Business owners broad range of solutions that help people secure their future and protect the Retirement • Businesses ones they love. Our offerings include permanent and term life insurance, Services disability income insurance, long term care insurance, retirement/401(k) plan MassMutual • Unions services, annuities, and broker-dealer and trust services.7 • Nonprofi t and governmental organizations Partnering with retirement plan advisors and the employers they serve, we help • Professional employer organizations workers feel more confi dent in their future. Our consultative approach focuses on plan health and participant readiness. We offer a full range of retirement plan products and services for defi ned benefi t, defi ned contribution and nonqualifi ed deferred compensation plans, as well as an array of protection products available to individuals through the workplace. Asset • Corporations and institutions Our asset management subsidiaries include OppenheimerFunds, Inc., Babson Management • Sovereign wealth funds & offi cial institutions Capital Management LLC and its subsidiary, Cornerstone Real Estate Advisers • Retirement and pension plans LLC, and Baring Asset Management. Each offers a suite of products to help meet the needs of a wide range of customers. Their offerings include mutual • Endowments and foundations funds, separately managed accounts, investment management for institutions • Insurance companies and sub-advisory services focused on equity, fi xed income, commercial real • Individuals estate, alternatives, and absolute return strategies. Affi liates & Subsidiaries liates Affi • Capital market participants International • Individuals MassMutual International LLC operates businesses in Hong Kong and Japan Insurance and • Key business executives and participates in a joint venture in the People’s Republic of China. Collectively, Retirement • Corporations, businesses, institutions these businesses offer insurance and retirement products to meet the needs of Products local consumers. To locate a fi nancial professional near you, visit MassMutual.com/LocateAnOffi ce * 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. ** Dividends are not guaranteed. 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, Babson Capital Management LLC and its subsidiary, Cornerstone Real Estate Advisers LLC. 3 Premium and other deposits include the premiums of our worldwide insurance operations and deposits made into certain external investment funds managed by our subsidiaries. 4 LIMRA 2013 U.S. Individual Life Insurance Sales Report. 5 Weighted sales are based on weighted annualized new premium, with single premium payments weighted at 10 percent. 6 For complete details go to www.massmutual.com/lifebridge or call 413-744-5031. 7 Trust services provided by The MassMutual Trust Company, FSB, a wholly-owned subsidiary of MassMutual Securities, fi nancial planning and investment advisory services offered through registered representatives of MML Investors Services, LLC, Member SIPC, Springfi eld, MA 01111-0001. Investment management services offered by Babson Capital Management LLC, Boston/Springfi eld, MA, Baring Asset Management, London, U.K., Cornerstone Real Estate Advisers LLC, Hartford, CT, and OppenheimerFunds, Inc., New York, NY. Domestic insurance products issued by MassMutual, Springfi eld, MA 01111-0001 and its subsidiaries: C. M. Life Insurance Company and MML Bay State Life Insurance Company, Enfi eld, CT 06082. © 2014 Massachusetts Mutual Life Insurance Company, Springfi eld, 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 affi liated companies and sales representatives. COR3689 814 CRN201505-182670.