This material provides a summary of MassMutual’s position as a high-performing life insurance company that puts client needs first.

What is the sign of a good decision? In the world of personal finance, it’s working with…

One of America’s largest and most admired companies• ListedasoneofFortune’smost

admiredcompanies1

• Ranked101intheFortune500rankingofAmerica’slargestcorporations2

A mutual life insurance company providing long-term value• Operatingforthebenefitofourmembersand

participatingpolicyholders–nostockholders

• Morethan103,000policiesinforcefor50yearsorlongerasofDecember31,2010

A company with a long history of dividends to policyholders• Dividendspaidtoeligibleparticipatingpolicyholders

everyyearsincethe1860s3

• Since1960,dividendstoeligibleparticipatingpolicyholderstotaledmorethan$25billion

A responsible company committed to its clients and communities• Installationof600solarpanelsatopourheadquarters–

partofourcommitmenttotheenvironment

A strong, stable company with solid growth• Surplus4increased12percentin2010,tomorethan

$10billion–ahistoriclevel

• Recordsalesin2010forweightedwholelifeinsurancesales5andretirementservices

• Assetsundermanagement6reached$448billionatyear-end2010–up10percentfrom2009

A company with a growing network of local professionals• Nationalnetworkofmorethan5,200financial

professionalsatyear-end2010

• A160-year-oldcompanydeliveringstrong

performanceandofferingqualitysolutions

Quality and Performance 2011

1 Data source: Fortune Magazine, 3/21/112 Data source: Fortune Magazine, 5/23/113 Dividends are determined annually, subject to change and not guaranteed.4 Surplus is the amount the company has on hand after setting aside reserves

to meet projected future obligations.5 Weighted sales are based on weighted annualized new premium, with single

premium payments weighted at 10 percent.6 Assets under management include assets and certain external investment

funds managed by MassMutual subsidiaries, including OppenheimerFunds, Inc., Baring Asset Management Limited, Babson Capital Management LLC and its subsidiary, Cornerstone Real Estate Advisers LLC.

© 2011 Massachusetts Mutual Life Insurance Company, Springfield, 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 affiliated companies and sales representatives.

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Choosing a sustainable source for your financial needs