LTCAccesssm Rider (LTCR) - LifeLink Corpwebtrack.lifelinkcorp.com/files/52901/03.10.14 HTML Input...

Whole Life Legacy 100sm withLTCAccesssm Rider (LTCR)Basic Life Insurance Illustration and LTCRSummaryThe LTCAccess Rider is an Accelerated Death Benefit forLong Term Care Services Rider

Prepared for:Valued ClientMale, Age 45

Presented by:Woodrow HarrisonPlum Financial111 Gracie DriveWinterville, VT 01118

March 10, 2014

CRN: 150132

LI6036CT of 26

Whole Life Legacy 100 with LTCRLife Insurance Illustration and LTCR Summary

Illustration Summary

Client InformationPrepared for:Underwriting Class:LTCR Underwriting Class:

Valued Client, Male, Age 45Non-TobaccoNon-Tobacco

All face amounts, premiums, riders and underwriting classes are subject to Home Office approval.

Policy InformationIssuing Company:Policy:Generic Policy Name:Policy Form Number:Generic Rider Name:LTCR Form Number:

Massachusetts Mutual Life Insurance CompanyWhole Life Legacy 100 with Premiums Payable to Age 100

Whole Life PolicyWL-CT-2011

Accelerated Death Benefit for Long Term Care Services RiderALTCR-CT-2011

Initial Coverage InformationBase Policy Face Amount (BPFA): $1,000,000.00

___________________

Total Initial Death Benefit: $1,000,000.00

LTCR Benefit OptionsBase Benefit PoolResidual Face AmountInitial Maximum Monthly BenefitSelected Benefit PeriodMaximum Monthly Benefit Increase Option (MMBIO)Base Paid-Up Additions (PUA) Available for Acceleration

$900,000.00$100,000.00$18,750.00

4 YearsNo

Yes

Initial Premium InformationPremium Payment Mode:Annual Base Premium:Accelerated Death Benefit for Terminal Illness Rider:Annual LTCR Premium:

Annual$20,500.00

No Premium Charge506.41

___________________

Total Initial Premium: $21,006.41

Initial Dividend OptionDividends used to purchase Paid-Up Additions. Dividends are not guaranteed and are subject to significantfluctuations over the lifetime of the policy. Changes in dividends will change all Non-Guaranteed valuesshown in this illustration.

Base Policy Face Amount IncreasesFace Amount increases are not allowed.

Important InformationThis illustration assumes that the currently illustrated non-guaranteed elements will continue unchanged forall years shown. This is not likely to occur, and actual results may be more or less favorable than those shown.

Prepared on: March 10, 2014Version: MMD Web2012-1-1 (CT)Initial TAMRA (7-Pay) Limit: $47,992.66

Prepared for: Valued Client (Male, 45, Non-Tobacco)Presented by: Woodrow Harrison

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Illustration Summary

Changing the premium payment mode may increase the overall cost of the policy. Please see Premium PaymentOptions in the Narrative Summary for more information.

As illustrated, this policy would not become a Modified Endowment Contract (MEC) under the InternalRevenue Code based on the assumptions in this illustration.As illustrated, this policy would not become a Modified Endowment Contract (MEC) under the InternalRevenue Code based on the LTCR assumptions.Please see the IMPORTANT TAX INFORMATION section of the Narrative Summary for more information.

Policy ChangesYour Illustration may show Policy Changes, such as face amount decreases, dividend option changes, the AlternatePayment Option (APO) strategy, loans, surrenders or changes to certain Rider premiums. Policy changes are notautomatic. You must submit a request to our Home Office.

Important Information about the LTCRAny changes you make to your policy may impact the benefits under the LTCR. Acceleration of benefitspayments made under the LTCR will impact your policy's death benefit and cash values. Please carefullyreview the LTCR Summary in this illustration.

Coverage for whole life insurance and the rider may require a medical examination.

The benefits of the LTCR are available through the Whole Life Legacy 100 policy. The policy and the LTCR couldbe appropriate for a policy owner who needs life insurance protection and is also looking for flexibility to access thepolicy's death benefit to pay for long term care needs. If your only purpose for purchasing the Whole Life Legacy 100with LTCR is to pay for long term care expenses, you may wish to consider other options.



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Narrative Summary

What This IllustrationShows

This illustration describes the important features of this MassMutual Whole Life Legacy100 life insurance policy with LTCR (also known as LTCAccesssm Rider) and showsvalues over time on a guaranteed and non-guaranteed basis. It is designed to help youunderstand how this policy works. It is not a projection of how it will perform.

The following pages provide a summary (and year-by-year figures) for required premiums,cash surrender values and death benefits, anticipated out-of-pocket premium payments,and other values for this policy. Many of the current values contained in thisillustration depend on non-guaranteed dividends.

This illustration also includes an LTCR Summary that describes how the LTCR interactswith the Whole Life Legacy 100 policy. Refer to the LTCR Summary and the illustratedvalues thereafter to see the benefits provided by the LTCR and how the payment of thosebenefits will impact the premium, cash surrender values and death benefits of the WholeLife Legacy 100 policy.

What isWhole Life Legacy 100?

Whole Life Legacy 100 is a permanent life insurance policy providing a guaranteedface amount. Premiums are payable to Age 100. The duration of premiums for ridersvaries according to the terms of the rider. The policy provides for cash valueaccumulation and for the payment of dividends as may be determined by the Company.

What is LTCR? LTCR is a rider that provides for payment of expenses for certain long term careservices received by the insured through the acceleration of the life insurance policy'sdeath benefit. The Rider must be applied for and attached at the time the Whole LifeLegacy 100 policy is applied for and issued. A benefit pool, benefit period andmaximum monthly benefit will be selected at time of application. These terms as wellas other terms, benefits, exclusions, limitations and other features of the LTCR aredescribed in more detail in the LTCR Summary that is included with this Illustration.

IMPORTANTINFORMATIONABOUT DIVIDENDS

As a MassMutual participating policyholder, you are eligible to receive an equitableportion of the Company's earnings, known as "divisible surplus", in the form of policydividends. The surplus from which dividends are paid comes primarily from threesources:

1. Mortality Savings - The favorable margin between actual death claim experienceand the amount expected based on the mortality table used to determine the premium.

2. Investment Earnings - Earnings on Company investments that exceed theguaranteed interest required to build up death benefit reserves and meetcontractual obligations. The guaranteed interest rate for a particularpolicy or rider is set at issue and does not change over the life of thepolicy. The guaranteed interest rate is reflected in the policy'sguaranteed cash value increases.

3. Expenses - The difference between actual expenses incurred and the expensesassumed in determining the premium.



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Narrative Summary

This illustration assumes that the dividend option is Paid-Up Additions for all yearsshown. The annual dividend, if any, is used to buy additional level paid-up life insurance,adding to the policy's death benefit and total cash value. "Paid-up" means that no furtherpremiums are required on the additional life insurance. This additional insurance is alsoeligible to receive dividends. Paid-up additions may be surrendered for their cash value aslong as they are not being used as collateral for policy debt.

Non-guaranteed values are based on the 2014 dividend scale. This illustration assumes apolicy with an adjustable policy loan interest rate provision. It is important tounderstand that the payment of dividends is not guaranteed; dividends are areflection of conditions that affect the Company and the cost of insurance. Dividendperformance may, and most likely will, change over time. For this reason we stronglyrecommend that you look at an illustration showing a lower dividend scale to see theimpact that this would have on policy values. This illustration is neither a projectionnor an estimate of future results. Transfer of policy ownership to a qualified pension orprofit sharing plan could result in different dividends.

IMPORTANT TAXINFORMATION

As illustrated, this policy would not become a Modified Endowment Contract (MEC)under the Internal Revenue Code based on the assumptions in this illustration.As illustrated, this policy would not become a Modified Endowment Contract (MEC)under the Internal Revenue Code based on the LTCR assumptions.

Changes to the policy could cause the policy to become a MEC or change the year thatthe policy is illustrated to become a MEC.

A Modified Endowment Contract (MEC) distinguishes between a policy purchasedprimarily for death protection and a policy purchased primarily for the tax advantagesafforded to life insurance cash values. Once a policy is classified as a MEC, it receivesless advantageous federal income tax treatment (see below). To determine if a contract isa MEC, a premium limit (the MEC limit) is established for the maximum amount ofpremium allowed during the first seven years, based upon rules set by the InternalRevenue Code. Under the MEC test, a MEC results if the cumulative amount paid at anytime in the first seven years exceeds the cumulative MEC limit applicable in that policyyear. Certain changes to the policy can subject the policy to MEC testing beyond the firstseven years or can cause premiums already paid to be re-tested.

Surrenders and distributions are subject to income tax to the extent they exceed thepolicy's cost basis. If the policy is a MEC, distributions and loans are taxable to the extentof gain and may be subject to a 10% tax penalty.

Death benefit proceeds from this policy are generally excludable from the beneficiary'sgross income for income tax purposes (IRC Section 101(a)(1)). Policy loans on non-MECpolicies are not treated as distributions or subject to income tax when taken(IRC Section 72). However, if the policy is not held until death, taxes are generally due onsurrender or lapse and may in fact exceed the policy's Net Surrender Value if prior loansand surrenders were extensive.



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Narrative Summary

There may be other income tax consequences if this policy is not owned by theinsured. These may include income and/or gift tax liability of the amounts receivedfor payment of the insured's expenses for long term care services, and the potentialfor inclusion of the policy's death benefit in the insured's estate for estate taxpurposes. Since benefits under the LTCR may be taxable, you should seek assistancefrom a tax advisor before accelerating benefits under the LTCR.

The information provided above is not written or intended as specific tax advice andmay not be relied on for purposes of avoiding any federal tax penalty. Individualsare strongly encouraged to seek advice from their own personal tax or legal counsel,in particular if the policy will be owned by a person other than the insured or by anentity, such as an irrevocable life insurance trust.

Riders IllustratedAccelerated DeathBenefit for TerminalIllness Rider(ABR)

The Accelerated Death Benefit for Terminal Illness Rider allows the policy owner toreceive an advance of policy death benefits when MassMutual receives satisfactory proofthe insured has a terminal illness expected to result in death within the period set forth inthe Rider. The funds may be used for any purpose. This rider terminates uponacceleration or if benefits are accelerated under the LTCR. There is no cost for theaddition of this rider however there is a fee if the rider is exercised.

Interest Adjusted Cost(IAC) Comparison Index

Policy Year

Life Insurance Surrender Cost IndexLife Insurance Net Payment Cost Index

10$5.82

$16.52

20$4.65

$14.56

The Interest Adjusted Cost Comparison Indices provide two means of comparing therelative cost of similar plans of insurance issued by the same company or by differentcompanies. A low index number represents a lower cost than a higher one. These indicesreflect the time value of money by applying a 5% interest factor to policy premiums,dividends, and for the surrender cost index, the 10 and 20 year cash values. The dividendsused in calculating these indices are based on the current year's scale and are neitherguarantees nor estimates of future dividends.

The indices do not consider: (1) the value of the services of an agent or company; (2) therelative strength and reputation of the Company and its actual dividend performance; or (3)differences in the policy provisions.

Additional InformationAbout This Illustration

The fully allocated expense method is used to allocate overhead expenses for allillustrations.

This illustration, using a 5.45% policy loan rate, is for a policy issued in Connecticut onNovember, 2010. This rate may change on each policy anniversary date.

This illustration does not recognize the time value of money and should not be used tocompare policy costs. See IAC section of the Narrative Summary page for policy costinformation.



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Narrative Summary

Column Heading DefinitionsAge End Year The age of the insured at the end of the policy year.

Annual OutlayBeg Year

The annual outlay at the beginning of the policy year. This is the out-of-pocket cost,which is comprised of the Contract Premium adjusted for any dividends, Paid-UpAdditions surrendered, cash value released, loans taken and loan repayments made. Thisamount will be adjusted by the Annual Premium Waiver if benefits are accelerated underthe LTCR. This amount does not include the LTCR Annual Benefit amount or anypolicy loan repayment that would be made under the LTCR.

Annual Premium WaiverBeg Year

The annual amount waived at the beginning of the policy year that will reduce thepayment of the Contract Premium when accelerated benefit payment is made under theLTCR. This includes the waiver of the entire LTCR premium and a portion of theContract Premium.

Cash Surrender ValueEnd Year

The Net Cash Value End Year less the LTCR Cash Value Lien End Year. This is theamount payable if the policy was surrendered at the end of the policy year.

Cash Value of AdditionsEnd Year

The total cash value as of the end of the policy year of the Paid-Up Additions purchasedby dividends earned on the base policy. These values are based on the illustrateddividend scale and are not guaranteed.

Contract Prem forGtd Values Beg Year

The gross premium that is required to be paid at the beginning of the policy year for theguaranteed values and benefits shown in this illustration including the Maximum LTCRpremium.

Contract PremiumBeg Year

The gross premium that is required to be paid at the beginning of the policy year for thebenefits shown in this illustration.

Guaranteed Cash ValueEnd Year

The cash value which is guaranteed under this policy based upon the illustrated ContractPremium for Guaranteed Values as of the end of the policy year.

Guaranteed Death BenefitEnd Year

The amount of death benefit which is guaranteed to be payable for this policy at deathbased upon the illustrated Contract Premium for Guaranteed Values as of the end of thepolicy year.

LTCR Annual BenefitBeg Year

The amount of the policy's death benefit that has been accelerated for the year under theLTCR. This assumes payment of the LTCR Maximum Monthly Benefit for the illustratedclaim, limited by the LTCR Remaining Benefit Pool.

LTCR Base BenefitPool Beg Year

The amount of base policy Face Amount available for acceleration under the LTCR atthe beginning of the policy year.

LTCR Cash ValueLien End Year

The cash value as of the end of the year for the portion of the policy's Face Amount andany Paid-Up Additions that have been accelerated under the LTCR.

LTCR Current DividendCharge Beg Year

The current charge deducted from the policy dividends before the purchase of the Paid-Up Additions that are included in the Dividends Benefit Pool.



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Narrative Summary

LTCR Current PremiumBeg Year

The non-guaranteed premium that will be charged at the beginning of the policy year forthe LTCR. This premium may increase after the first policy year but will never begreater than the Maximum LTCR Premium Beg Year.

LTCR Death Benefit (DB)Lien End Year

The lien against the policy's total death benefit amount as of the end of the policy year forthe amount of accelerated benefit payments under the LTCR. This amount reduces thedeath benefit that is payable on the death of the insured.

LTCR DividendsBenefit PoolBeg Year

The amount of Paid-Up Additions purchased by the base policy dividends that areavailable for acceleration at the beginning of the year. These values are based on theillustrated dividend scale and are not guaranteed.

LTCR Maximum MonthlyBenefit Beg Year

The maximum monthly amount available for acceleration under the LTCR at thebeginning of the policy year including any increase in the maximum amount availablefor payment each month under the Maximum Monthly Benefit Increase Option, ifchosen.

LTCR Maximum PremiumBeg Year

The guaranteed maximum LTCR Premium.

LTCR Min Payout Period(in Months) Beg Year

The minimum period (in months) under the LTCR for which the LTCR MaximumMonthly Benefit would be payable if accelerated benefits started at the beginning of thatpolicy year. This assumes that no further Paid-Up Additions are added to the LTCRDividends Benefit Pool and no Paid-Up Additions are surrendered after the acceleratedbenefits start at the beginning of that year.

LTCR RemainingBenefit PoolEnd Year

The LTCR benefit pool that remains available for LTCR benefits as of the end of thepolicy year.

LTCR TotalBenefit PoolBeg Year

The total amount available for payment of accelerated benefits under the LTCR as of thebeginning of the policy year. It is equal to the sum of the Base Benefit Pool and theDividends Benefit Pool. This is also referred to as the Maximum Lifetime Rider Benefit.

LTCR Total CurrentCharges Beg Year

The sum of the LTCR Current Premium at the beginning of the year and the LTCRCurrent Dividend Charge at the beginning of the year.

Net Cash ValueEnd Year

The cash value as of the end of the policy year reduced by outstanding loans and loaninterest. These values are based on the illustrated dividend scale and are not guaranteed.This value does not reflect any reductions due to an LTCR Cash Value Lien that wouldresult if an accelerated payment was made under the LTCR.

Net Death BenefitEnd Year

The death benefit of the policy as of the end of the policy year reduced by outstandingloans and loan interest. These values are based on the illustrated dividend scale and arenot guaranteed. This value does not reflect any reductions due to the LTCR death benefitlien that would result if an accelerated benefit payment was made under the LTCR.

Net DividendEnd Year

The total annual dividend reduced by the Dividends Benefit Pool Rider Charge at the endof the policy year. This charge will be a percentage of the policy dividends that are usedto purchase Paid-Up Additions that will be included in the Dividends Benefit Pool andavailable for acceleration under LTCR. These values are based on the illustrateddividend scale and are not guaranteed.



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Narrative Summary

Paid-Up AdditionsEnd Year

The additional paid-up insurance death benefit as of the end of the policy year purchasedby dividends earned on the base policy. These values are based on the illustrateddividend scale and are not guaranteed.

Payable Death BenefitEnd Year

This is the amount that would be payable if death occurred at the end of the policy year.This is equal to the Net Death Benefit End Year less the LTCR Death Benefit (DB) LienEnd Year. These values are based on the illustrated dividend scale and are notguaranteed.

Total Cash ValueEnd Year

The total cash value as of the end of the policy year including all guaranteed and non-guaranteed values. These values are based on the illustrated dividend scale and are notguaranteed. This value does not reflect a reduction due to the LTCR cash value lien thatwould result if an accelerated benefit payment was made under the LTCR.

Total Death BenefitEnd Year

This is the amount that would be payable if death occurred at the end of the policy year.These values are based on the illustrated dividend scale and are not guaranteed. Thisvalue does not reflect a reduction due to the LTCR Death Benefit Lien that would resultif an accelerated benefit payment was made under the LTCR.

Total Paid-Up InsuranceEnd Year

The amount of fully paid-up insurance that could be purchased if the policy wereconverted to a fully paid-up policy as of the end of the policy year. These values arebased on the illustrated dividend scale and are not guaranteed.

Year The number of years the policy is assumed to have been in force at the end of the policyyear.

Key Terms Used in theIllustrationBeg Year The first day of the policy year. All premium payments and other outlays are assumed to

be made at the beginning of the year.

End Year The last day of the policy year. Dividends are assumed to be credited on this date. Allcash values are shown as of the end of the policy year.

Death Benefit The amount payable upon death of the insured.

Midpoint Assumptions Values are calculated assuming that the dividends are reduced by 50% and any policycharges included are an average between the current and guaranteed charges.

Attained Age Issue age plus policy duration years.



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Narrative Summary

Premium Payment Options:You may pay premiums once a year (annually), twice a year (semiannually), four times a year (quarterly) ortwelve times a year (monthly). You may pay premiums twelve times a year (monthly) only by pre-authorizedelectronic transfer. If you pay annual premiums by installments, there will be an additional charge. The additionalcharge is shown in dollars and as annual percentage rates in the table below.

PremiumFrequency

PremiumPayment

(IncludingInstallmentPaymentCharge)

Number ofPayments Per

Year

TotalPremium Per

Year

AdditionalCharge

(In Dollars)

AdditionalCharge

(As the AnnualPercentage

Rate or APR)

Annual $21,006.41 1 $21,006.41 $0.00 -

Semiannual $10,748.99 2 $21,497.98 $491.57 9.6%

Quarterly $5,438.57 4 $21,754.28 $747.87 9.5%

Monthly $1,827.56 12 $21,930.72 $924.31 9.5%

Consider Additional CoverageIn some cases, the cost per unit of the Whole Life Legacy 100 policy may be lower with a higher Base Policy FaceAmount. You should consult with your agent about whether applying for more coverage is appropriate. Additionalunderwriting requirements may apply to larger face amounts, and premiums may be higher.



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Policy: Whole Life Legacy 100 with Premiums Payable to Age 100Base Policy Face Amount: $1,000,000Riders: ABR LTCR

Annual Premium: $20,500.00Annual LTCR Premium: $506.41

Numeric Summary and Signature Page

Dividend Option: Dividends used to purchase Paid-Up Additions. Dividends are not guaranteed and are subject tosignificant fluctuations over the lifetime of the policy. Changes in dividends will change all Non-Guaranteed valuesshown in this illustration.

To help you understand how changes in non-guaranteed dividends may affect your future policy values, this NumericSummary and Signature Page shows how your policy would perform based on each of the following dividend scenarios:

1) Guaranteed: The guaranteed policy values, i.e., zero dividends.

2) Non-Guaranteed Midpoint: 50% of the Company's currently illustrated dividend.

3) Non-Guaranteed Current: The Company's currently illustrated dividend.

Non-Guaranteed Values

Guaranteed Values Midpoint Assumptions Current Assumptions

Contract Total Total TotalPrem for Cash Death Contract Cash Death Contract Cash Death

Gtd Values Value Benefit Premium Value Benefit Premium Value Benefit

Year 5 21,513 48,240 1,000,000 21,260 55,722 1,021,391 21,006 63,461 1,043,517Year 10 21,513 141,300 1,000,000 21,260 167,029 1,062,740 21,006 195,489 1,132,143Year 20 21,513 344,030 1,000,000 21,260 441,690 1,179,058 21,006 564,045 1,403,394Age 70 21,513 447,070 1,000,000 21,260 618,349 1,277,681 21,006 844,449 1,644,238

I have received a copy of this illustration and understand that any non-guaranteed elements illustrated are subject tosignificant fluctuations and could be either higher or lower. The agent has told me they are not guaranteed. I understand thatthis illustration is not a contract. I also understand that any policy changes reflected in this illustration are not automatic, butmust be submitted in writing to the Home Office. The terms of the policy constitute the actual agreement of coverage. Ifurther understand I have the right to request a hypothetical lower scale illustration to see the potential impact of a lowerdividend interest rate on my policy values. I have read and understand the IMPORTANT TAX INFORMATION section inthe Narrative Summary.I have read and understand the LTCR Summary for the Accelerated Death Benefit for Long Term Care ServicesRider that is included with this illustration.

____________________________Applicant (At time of application)Owner (At time of delivery)

________________Date

I certify that this illustration has been presented to the applicant and that I have explained that any non-guaranteed elementsillustrated are subject to change. I have made no statements that are inconsistent with this illustration.

____________________________Agent

________________Date



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Tabular ValuesDividend Option: Dividends used to purchase Paid-Up Additions. Dividends are not guaranteed and are subject tosignificant fluctuations over the lifetime of the policy. Changes in dividends will change all Non-Guaranteed valuesshown in this illustration.

====Non-Guaranteed Values====

Year____

AgeEndYear____

ContractPrem for

Gtd ValuesBeg Year________

GuaranteedCash Value

End Year_________

GuaranteedDeath

BenefitEnd Year

__________

ContractPremiumBeg Year________

NetDividendEnd Year________

CashValue of

AdditionsEnd Year

__________

TotalCashValue

End Year________

Paid-UpAdditionsEnd Year

__________

TotalDeath

BenefitEnd Year

__________

TotalPaid-Up

InsuranceEnd Year________

1 46 21,006 0 1,000,000 21,006 0 0 0 0 1,000,000 02 47 21,513 0 1,000,000 21,006 0 0 0 0 1,000,000 03 48 21,513 14,350 1,000,000 21,006 4,449 4,449 18,799 13,574 1,013,574 57,3584 49 21,513 31,030 1,000,000 21,006 4,895 9,491 40,521 28,031 1,028,031 119,6785 50 21,513 48,240 1,000,000 21,006 5,417 15,221 63,461 43,517 1,043,517 181,440

6 51 21,513 65,960 1,000,000 21,006 6,027 21,749 87,709 60,201 1,060,201 242,7747 52 21,513 84,180 1,000,000 21,006 6,344 28,805 112,985 77,204 1,077,204 302,8278 53 21,513 102,830 1,000,000 21,006 6,789 36,527 139,357 94,829 1,094,829 361,7889 54 21,513 121,880 1,000,000 21,006 7,255 44,952 166,832 113,078 1,113,078 419,67210 55 21,513 141,300 1,000,000 21,006 7,818 54,189 195,489 132,143 1,132,143 476,710

11 56 21,513 161,010 1,000,000 21,006 8,419 64,287 225,297 152,055 1,152,055 532,88312 57 21,513 181,040 1,000,000 21,006 9,047 75,296 256,336 172,819 1,172,819 588,34413 58 21,513 201,370 1,000,000 21,006 9,664 87,217 288,587 194,355 1,194,355 643,09014 59 21,513 222,160 1,000,000 21,006 10,153 99,962 322,122 216,326 1,216,326 697,09815 60 21,513 243,410 1,000,000 21,006 10,743 113,644 357,054 238,909 1,238,909 750,619

16 61 21,513 263,320 1,000,000 21,006 12,652 129,593 392,913 264,756 1,264,756 802,71517 62 21,513 283,410 1,000,000 21,006 14,744 148,024 431,434 294,044 1,294,044 857,02418 63 21,513 303,590 1,000,000 21,006 17,022 169,158 472,748 326,944 1,326,944 913,71619 64 21,513 323,790 1,000,000 21,006 19,436 193,168 516,958 363,521 1,363,521 972,85920 65 21,513 344,030 1,000,000 21,006 21,747 220,015 564,045 403,394 1,403,394 1,034,168

21 66 21,513 364,310 1,000,000 21,006 23,881 249,568 613,878 446,079 1,446,079 1,097,24922 67 21,513 384,710 1,000,000 21,006 26,154 282,025 666,735 491,675 1,491,675 1,162,36923 68 21,513 405,300 1,000,000 21,006 28,372 317,413 722,713 539,938 1,539,938 1,229,37624 69 21,513 426,060 1,000,000 21,006 30,678 355,861 781,921 590,876 1,590,876 1,298,31225 70 21,513 447,070 1,000,000 21,006 32,914 397,379 844,449 644,238 1,644,238 1,369,036

26 71 21,513 468,230 1,000,000 21,006 35,330 442,160 910,390 700,185 1,700,185 1,441,65427 72 21,513 489,510 1,000,000 21,006 37,992 490,473 979,983 758,975 1,758,975 1,516,46128 73 21,513 510,580 1,000,000 21,006 41,208 542,761 1,053,341 821,333 1,821,333 1,593,96729 74 21,513 531,510 1,000,000 21,006 44,463 599,142 1,130,652 887,171 1,887,171 1,674,19630 75 21,513 552,350 1,000,000 21,006 47,796 659,749 1,212,099 956,462 1,956,462 1,757,225

Current Premiums

Coverage Face Amount Annually Semi-Annually Quarterly MonthlyBase Policy Insurance 1,000,000 20,500.00 10,489.86 5,307.46 1,783.50LTCR Base Benefit Pool 900,000 506.41 259.13 131.11 44.06

Non-guaranteed values include dividends which are neither estimates nor guarantees, but are based on the 2014 dividend scale. The dividendscale is reviewed annually and it is likely that dividends in future years will be lower or higher depending on the Company's actualexperience. For this reason, we strongly recommend that you look at a hypothetical lower scale illustration available upon request.

Refer to the Narrative Summary for assumptions, explanations and additional information.



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Year____

AgeEndYear____

ContractPrem for



End Year_________

GuaranteedDeath

BenefitEnd Year

__________



CashValue of

AdditionsEnd Year

__________

TotalCashValue

End Year________


__________

TotalDeath

BenefitEnd Year

__________

TotalPaid-Up


31 76 21,513 573,070 1,000,000 21,006 50,769 724,252 1,297,322 1,028,562 2,028,562 1,842,42032 77 21,513 593,670 1,000,000 21,006 53,563 792,492 1,386,162 1,103,119 2,103,119 1,929,48633 78 21,513 614,030 1,000,000 21,006 56,629 864,686 1,478,716 1,180,426 2,180,426 2,018,67034 79 21,513 633,980 1,000,000 21,006 59,979 940,991 1,574,971 1,260,790 2,260,790 2,110,23135 80 21,513 653,400 1,000,000 21,006 63,794 1,021,742 1,675,142 1,344,752 2,344,752 2,204,715

36 81 21,513 672,250 1,000,000 21,006 67,467 1,106,785 1,779,035 1,432,045 2,432,045 2,301,85537 82 21,513 690,420 1,000,000 21,006 71,875 1,196,690 1,887,110 1,523,553 2,523,553 2,402,55438 83 21,513 708,000 1,000,000 21,006 76,091 1,291,353 1,999,353 1,618,947 2,618,947 2,506,55439 84 21,513 725,040 1,000,000 21,006 80,409 1,390,865 2,115,905 1,718,285 2,718,285 2,614,00440 85 21,513 741,490 1,000,000 21,006 84,664 1,495,118 2,236,608 1,821,427 2,821,427 2,724,746

41 86 21,513 757,220 1,000,000 21,006 89,602 1,604,592 2,361,812 1,929,153 2,929,153 2,839,53642 87 21,513 772,170 1,000,000 21,006 94,615 1,719,174 2,491,344 2,041,508 3,041,508 2,958,45543 88 21,513 786,270 1,000,000 21,006 99,090 1,838,209 2,624,479 2,157,827 3,157,827 3,080,80944 89 21,513 799,520 1,000,000 21,006 103,472 1,961,512 2,761,032 2,277,993 3,277,993 3,206,51345 90 21,513 811,980 1,000,000 21,006 107,726 2,088,897 2,900,877 2,401,859 3,401,859 3,335,491

46 91 21,513 823,710 1,000,000 21,006 111,483 2,219,907 3,043,617 2,528,858 3,528,858 3,467,20647 92 21,513 835,220 1,000,000 21,006 114,415 2,354,503 3,189,723 2,658,023 3,658,023 3,600,91148 93 21,513 846,710 1,000,000 21,006 117,119 2,492,780 3,339,490 2,789,062 3,789,062 3,736,40849 94 21,513 858,470 1,000,000 21,006 119,532 2,635,042 3,493,512 2,921,592 3,921,592 3,873,41750 95 21,513 870,900 1,000,000 21,006 121,677 2,781,904 3,652,804 3,055,224 4,055,224 4,011,689

51 96 21,513 884,710 1,000,000 21,006 124,005 2,935,116 3,819,826 3,189,997 4,189,997 4,151,53452 97 21,513 901,490 1,000,000 21,006 125,148 3,097,364 3,998,854 3,324,315 4,324,315 4,291,85953 98 21,513 923,330 1,000,000 21,006 124,948 3,272,642 4,195,972 3,456,274 4,456,274 4,431,41354 99 21,513 953,920 1,000,000 21,006 121,855 3,467,771 4,421,691 3,582,149 4,582,149 4,567,53255 100 21,513 1,000,000 1,000,000 21,006 114,540 3,696,689 4,696,689 3,696,689 4,696,689 4,696,689

56 101 0 1,000,000 1,000,000 0 302,147 3,998,836 4,998,836 3,998,836 4,998,83657 102 0 1,000,000 1,000,000 0 321,605 4,320,441 5,320,441 4,320,441 5,320,44158 103 0 1,000,000 1,000,000 0 342,316 4,662,757 5,662,757 4,662,757 5,662,75759 104 0 1,000,000 1,000,000 0 364,362 5,027,119 6,027,119 5,027,119 6,027,11960 105 0 1,000,000 1,000,000 0 387,826 5,414,945 6,414,945 5,414,945 6,414,945

61 106 0 1,000,000 1,000,000 0 412,802 5,827,748 6,827,748 5,827,748 6,827,74862 107 0 1,000,000 1,000,000 0 439,387 6,267,135 7,267,135 6,267,135 7,267,13563 108 0 1,000,000 1,000,000 0 467,683 6,734,818 7,734,818 6,734,818 7,734,81864 109 0 1,000,000 1,000,000 0 497,802 7,232,620 8,232,620 7,232,620 8,232,62065 110 0 1,000,000 1,000,000 0 529,861 7,762,481 8,762,481 7,762,481 8,762,481





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Year____

AgeEndYear____

ContractPrem for



End Year_________

GuaranteedDeath

BenefitEnd Year

__________



CashValue of

AdditionsEnd Year

__________

TotalCashValue

End Year________


__________

TotalDeath

BenefitEnd Year

__________

TotalPaid-Up


66 111 0 1,000,000 1,000,000 0 563,984 8,326,465 9,326,465 8,326,465 9,326,46567 112 0 1,000,000 1,000,000 0 600,304 8,926,769 9,926,769 8,926,769 9,926,76968 113 0 1,000,000 1,000,000 0 638,964 9,565,733 10,565,733 9,565,733 10,565,73369 114 0 1,000,000 1,000,000 0 680,113 10,245,846 11,245,846 10,245,846 11,245,84670 115 0 1,000,000 1,000,000 0 723,913 10,969,759 11,969,759 10,969,759 11,969,759

71 116 0 1,000,000 1,000,000 0 770,532 11,740,291 12,740,291 11,740,291 12,740,29172 117 0 1,000,000 1,000,000 0 820,155 12,560,446 13,560,446 12,560,446 13,560,44673 118 0 1,000,000 1,000,000 0 872,973 13,433,419 14,433,419 13,433,419 14,433,41974 119 0 1,000,000 1,000,000 0 929,192 14,362,611 15,362,611 14,362,611 15,362,61175 120 0 1,000,000 1,000,000 0 989,032 15,351,643 16,351,643 15,351,643 16,351,643

76 121 0 1,000,000 1,000,000 0 1,052,726 16,404,369 17,404,369 16,404,369 17,404,369





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LTCR Summary

This LTCR Summary describes some of the terms, provisions, benefits, exclusions and limitations provided under the LTCR,and shows how the benefits of the LTCR interact with the benefits provided by the Whole Life Legacy 100 life insurancepolicy. This LTCR Summary includes the illustrated policy values that follow these narrative pages.

The benefits of the LTCR are available through the Whole Life Legacy 100 policy. The policy and the LTCR could beappropriate for a policy owner who needs life insurance protection and is also looking for flexibility to access the policy'sdeath benefit to pay for long term care needs. If your only purpose for purchasing the Whole Life Legacy 100 with LTCR isto pay for long term care expenses, you may wish to consider other options.

About the LTCRThe LTCR is an accelerated death benefit rider that can be purchased with the Whole Life Legacy 100 life insurance policy.The LTCR will permit acceleration of a portion of the policy's death benefit for the expenses for long term care servicesreceived by the insured. A portion of the policy's face amount is not available for acceleration. This is referred to as theResidual Face Amount which you must select at time of application and cannot be changed after the policy is issued.

You must apply for the LTCR together with the life insurance policy. The LTCR is not available after the policy is issued.MassMutual separately underwrites the LTCR and may decline to issue the LTCR even if it issues the life insurancepolicy. When you apply for the LTCR, you will need to select the following:

· Base Benefit Pool: This is the portion of the policy face amount available for acceleration.· Selected Benefit Period: This is the initial period over which accelerated benefit payments can be

payable. (See Important Note below).

Based on these selections, you will be able to calculate the Maximum Monthly Benefit. This is the maximum monthlyamount that we will pay.

Dividends Benefit Pool. Although dividends are not guaranteed, you may elect to have Paid-Up Additions purchased byyour policy's dividends (excluding dividends payable under any rider) included for acceleration. The amount of Paid-UpAdditions includible for acceleration is referred to as the Dividends Benefit Pool. Only Paid-Up Additions purchased fromthe Whole Life Legacy 100 policy dividends may be included in the Dividends Benefit Pool; Paid-Up Additions purchasedby dividends received from any rider attached to the policy will not be included in the Dividends Benefit Pool. Once the totalamount of Accelerated Benefit Payments equals or exceeds the Base Benefit Pool, no further Paid-Up Additions will beadded to the Dividends Benefit Pool. For more information about dividends and Paid-Up Additions, refer to the NarrativeSummary at the beginning of this Illustration.

Maximum Lifetime Rider Benefit. The Maximum Lifetime Rider Benefit is the sum of the Base Benefit Pool and theDividends Benefit Pool. This is the maximum amount of accelerated benefits that can be paid under the LTCR. TheMaximum Lifetime Rider Benefit may be impacted by actions you take on your policy. See Effect of Policy Transactionson LTCR in this LTCR Summary.

Maximum Monthly Benefit Increase Option. The Maximum Monthly Benefit Increase Option provides the ability,beginning at age 61 (or the first policy anniversary if the issue age is 61 or greater), to access the Base Benefit Pool andDividends Benefit Pool (if available) more quickly, by increasing the Maximum Monthly Benefit. The Maximum MonthlyBenefit Increase Option does not increase the total amount of the Base Benefit Pool or the Dividends Benefit Pool, but onlyincreases the maximum amount available for payment each month. Beginning at age 61 (or the first policy anniversary if theissue age is 61 or greater) the Maximum Monthly Benefit at issue will be increased each year by an amount equal to 4% ofthe Initial Maximum Monthly Benefit. Because a larger amount can be paid each month, the period during whichclaims may be paid is likely to be shorter than the Selected Benefit Period.



of 26


LTCR Summary

Important Note - The benefit period under the LTCR may be shorter or longer than the Selected Benefit Period:· If the claim for benefits for a policy month is less than the Maximum Monthly Benefit, any unused

amounts in the Base Benefit Pool may extend the period over which LTCR claims are paid.· The Dividends Benefit Pool may extend the period over which LTCR claims are paid.· The Maximum Monthly Benefit Increase Option may decrease the period over which LTCR claims are paid.

No Inflation ProtectionThe LTCR does NOT provide an inflation protection option. This means that the Maximum Lifetime Rider Benefitdoes NOT increase with inflation or with the cost of living.

The LTCR Premiums and ChargesThere is a premium for the LTCR that will be included with your premiums for your policy and any other riders. In no eventwill the LTCR premium exceed the maximum premium which will be set forth in the LTCR. There is an additional cost ifyou elect the Maximum Monthly Benefit Increase Option, and this will result in higher LTCR premiums.

There is also a charge to create a Dividends Benefit Pool. The charge will be a percentage of the dividend and will bededucted from the policy dividends paid before the purchase of Paid-Up Additions. As a result, Paid-Up Additions (andassociated cash values) will be lower if Paid-Up Additions are elected for acceleration. In no event will the charge exceedthe maximum charge which will be set forth in the LTCR. If you elect the Maximum Monthly Benefit Increase Option, thecharge will be a higher percentage.

The rider is guaranteed renewable. This means that you have the right, subject to the terms of the LTCR, to continue theLTCR as long as you pay your premiums on time.

After the first premium has been paid, we allow a grace period to pay each following premium. If the premium is not paid bythe thirtieth (30th) day after its due date, we will provide written notice to the Owner and the Insured, if different, and anyindividual designated by the Owner or the Insured, if different, to receive notice of non-payment of premium. If the premiumis not paid within thirty-six (36) days after notice is sent, this Policy will lapse for non-payment of premium. In order to beconsidered paid during the grace period, any payments sent by U.S. mail must be postmarked within the grace period. Duringthis grace period the policy remains in full force.

If a premium is not paid by the end of the Grace Period, this policy will lapse as of the due date of that premium. We call thispremium due date the date of lapse.

You can discontinue coverage under this Rider by notifying us, and Rider premiums will no longer be due. You will not beeligible for any Rider benefits for any Covered Services received after the date You discontinue coverage under this Rider,unless benefits are continued under the Extension of Benefits provision.

Your LTCR will terminate on the earliest to occur of the following:

· Your policy terminates or is surrendered for its cash value;· Your policy lapses to a paid-up policy (unless benefits are continued under the Extension of Benefits provision);· You discontinue coverage under Your Rider (provided no accelerated benefits have been received);· You exercise the Accelerated Death Benefits for Terminal Illness Rider;· You reduce Your Policy's face amount below the sum of (i) the minimum Base Benefit Pool shown in the Policy

Specifications, and (ii) the Residual Face Amount shown in the Policy Specifications (provided no accelerated benefitpayments have been received); and

· The date on which the Company receives due proof of death of the Insured.

After this policy has lapsed, it may be reinstated -- that is, put back in full force. However, the policy cannot be reinstated ifit has been surrendered for its cash surrender value. Reinstatement must be made within five years after the date of lapse andwhile the Insured is living.



of 26


LTCR Summary

Tax-QualificationThe LTCR is not intended to be a federally tax-qualified long term care insurance contract under Section 7702B of theInternal Revenue Code (IRC), as amended. Therefore, the premiums payable for the LTCR are not deductible from grossincome for federal income tax purposes.

The benefits provided by the LTCR are intended to be excludable from federal gross income under Section 101(g) of theIRC. However to receive tax free treatment, IRC section 101(g) requires that the payment of benefits be for costs incurredby the payee for qualified long term care services. Since we pay the LTCR benefits to the policy owner, the LTCR benefitsmay be subject to federal income tax and reportable if the owner of the policy is not the insured or the insured's spouse whoincurred the long term care expenses. In addition, if the policy is not owned by the insured, and the LTCR benefits are usedto pay the costs incurred by the insured, depending on the facts and circumstances, all or a portion of the Whole Life policy'sdeath benefit may be includible in the insured's federal gross estate. If you are considering purchasing the LTCR with anowner who is other than the insured, such as a life insurance trust, you should consult with your attorney, accountant or taxadvisor regarding any income and estate tax implications.

EligibilitySubject to all the terms and provisions of the LTCR, accelerated benefits will be payable when MassMutual verifies all of thefollowing:

· The insured is certified as chronically ill by a licensed health care practitioner within the previous twelve (12) months.This means that: the insured cannot perform, without substantial assistance, at least 2 of 6 activities of daily living(bathing, continence, dressing, eating, toileting and transferring), and this is expected to continue at least 90 consecutivedays due to loss of functional capacity; or, the insured has a severe cognitive impairment, such as Alzheimer's disease orirreversible dementia.

· The insured received Long Term Care Services covered under the LTCR, as described below.· The LTCR coverage was in force at the time the insured received the covered Long Term Care Services.· The policy is in full force on the date of payment.· The Elimination Period (as described below) is satisfied.· All required claims information is submitted.· The claim is not subject to any exclusions, limitations or non-duplication of benefits provisions.

Payment of LTCR BenefitsIf all eligibility criteria are satisfied, MassMutual will pay an amount equal to the expenses for covered Long Term CareServices received by the insured in a policy month, up to the Maximum Monthly Benefit amount for that policy month. Thesum of all amounts paid under the LTCR cannot exceed the Maximum Lifetime Rider Benefit at the time of payment.

If you make any changes to your policy while we are evaluating your claim, including surrendering or lapsing your policy orreducing your policy's face amount, we will adjust your Maximum Lifetime Rider Benefit and your Maximum MonthlyBenefit BEFORE we determine the amount payable. For example, if your policy lapses, we will not make any paymentsregardless of when the covered Long Term Care Services were received

Covered Long Term Care ServicesThe LTCR provides benefits for certain long term care services provided pursuant to a plan of care prescribed by a licensedhealth care practitioner. Long Term Care Services are those "qualified long term care services" as defined under Section 101(g) of the Internal Revenue Code. This means all the necessary diagnostic, preventative, therapeutic, curing, treating,mitigating and rehabilitative services, and maintenance and personal care services required by a chronically ill insured.These services are generally provided by a nursing facility, assisted living facility or hospice facility. Covered Long TermCare Services also include home health care and hospice services provided at an insured's home, as well as community basedservices at an adult day care center.

Elimination PeriodThere is a 90-day period prior to the time that benefits are payable, known as the Elimination Period. Before payments canbegin, the insured must be chronically ill and receiving covered long term care services under a plan of care while the LTCRis in effect. Benefits are not payable for any covered Long Term Care Services received during the Elimination Period.



of 26


LTCR Summary

Limitations and ExclusionsThe LTCR has limitations and exclusions. Benefits are not payable under the LTCR and the Elimination Period will not besatisfied for any confinement in an institution, care, treatment, or service(s):

· provided to the insured by a member of the insured's family;· provided outside of the United States;· for which the insured has no financial liability or that is provided at no charge in the absence of insurance;· provided in facilities operated primarily for the treatment of alcoholism or drug addiction;· provided in facilities operated primarily for the treatment of mental or nervous disorders, such as affective disorders,

anxiety disorders, personality disorders, psychotic disorders or other mental or emotional diseases or disorders (mentalor nervous disorder does not include Alzheimer's or other demonstrable organic diseases such as senile dementia); or

· which results from participation in a felony, or insurrection or involvement in an illegal occupation.

Non-Duplication of BenefitsBenefits are not payable under the LTCR to the extent that expenses for services received by the insured are reimbursable (i)under Medicare or would be so reimbursable but for the application of a deductible or coinsurance amount; or (ii) for anyother state or federal workers' compensation plan or other governmental program (except Medicaid).

Effects of Accelerated Benefit Payments on your PolicyWhen accelerated benefit payments are made, they will impact your policy as follows:

Policy Death Benefit Lien. The amount of accelerated benefit payments will constitute a lien against the policy's deathbenefit. The lien is first applied to the Base Benefit Pool and then to the Dividends Benefit Pool (if elected at the time). Thepolicy's face amount and any Paid-Up Additions is not reduced when the accelerated benefit payment is made; instead, whenthe insured dies the death benefit amount payable to the beneficiary will be reduced by any remaining outstanding loansAND by all amounts that have been accelerated.

Reduced Policy Surrender Values. There will be a corresponding reduction in the policy's cash surrender value when anaccelerated benefit payment is made. This reduction will impact the amount available for loans or the amount that would bepaid if the policy were surrendered.

Premium Waiver. If the insured is eligible for LTCR benefits and benefits are being paid, the entire LTCR premium will bewaived. The premium waiver does not apply to the premium due for any other rider attached to the policy.

When benefits are being paid under the LTCR, we will waive a portion of the base policy premium due reducing the amountof premium the policy owner will need to pay. For standard risk policies, the waiver amount will offset the portion of thepremium attributable to the accelerated amount. The premium waiver will not cover any portion of the premium attributableto a substandard rating.

The amount of both the LTCR and base policy premium waiver is determined two (2) months prior to each policyanniversary based on the total amount of accelerated benefits paid. Once determined, the premium waiver will reduce theLTCR premium to zero and a portion of the base policy premium due for your next policy premium payment period and willbe reflected in your next premium bill.

Required Repayment of Policy Loans. If there is an outstanding loan at the time that the accelerated benefit payment is made,a portion of such payment must be used to reduce the amount of the outstanding debt. This will reduce the actual amountthat will be received for payment of expenses for the covered Long Term Care Services received by the insured.

Once the policy benefits begin acceleration, the company will provide monthly statements that show the impact of theamounts accelerated on the policy's death benefit, cash values, premiums and outstanding loans.



of 26


LTCR Summary

Effects of Policy Transactions on the LTCRCertain transactions, such as decreasing the policy's face amount, taking loans or partially surrendering Paid-Up Additionsthat are included in the Dividends Benefit Pool, will impact the amounts that may be payable under the LTCR.

Policy Loans. If you take a policy loan against the cash value of your policy, any LTCR accelerated benefit amount will bereduced for the repayment of a portion of the outstanding policy debt.

Partial Surrenders. If you surrender Paid-Up Additions that are part of the Dividends Benefit Pool (including surrenderPaid-Up Additions to pay policy premiums), they will no longer be available for acceleration, and the Dividends Benefit Poolwill be reduced accordingly. Any Paid-Up Additions that have been accelerated cannot be surrendered.

Face Amount Reductions. If you reduce your policy's face amount, there will be a corresponding reduction in the BaseBenefit Pool, the Maximum Monthly Benefit, your LTCR premium and your Maximum Lifetime Rider Benefit.

Lapsing to a Paid-Up Policy. If your policy lapses to a paid-up policy, benefits under the LTCR will terminate unless theinsured received covered Long Term Care Services prior to the date of lapse or the Extension of Benefits provision was ineffect (as described below). If accelerated benefits are payable, we will recalculate your Maximum Lifetime Rider Benefitbased upon the reduced face amount of coverage, but there will be no benefits payable for any services received by theinsured after the date of policy lapse, unless the Extension of Benefits provision is in effect.

Extension of BenefitsBenefits may be available under the LTCR for covered Long Term Care Services received in a nursing facility, assisted livingfacility or hospice facility even if the LTCR is terminated, provided that the policy itself is still in force. In order for theExtension of Benefits provision to apply, the insured's confinement in such facility must have begun while the LTCRcoverage was in force, accelerated benefits would otherwise have been payable under the LTCR and the confinement in suchfacility has continued uninterrupted after the LTCR's coverage was terminated. Accelerated benefit payments under theLTCR's Extension of Benefits provision is subject to the Maximum Lifetime Rider Benefit, any Elimination Period and alllimitations and exclusions. Accelerated benefit payments under the Extension of Benefits provision will end on the earliestof:

· the date the insured's confinement ends;· the date the sum of all accelerated benefit payments reaches the Maximum Lifetime Rider Benefit;· the date the policy is terminated; or· the date of the insured's death.

Before You Exercise this Rider If You have Other Long Term Care CoverageBenefit payments received under the LTCR for covered Long Term Care Services may be taxable if you receive benefitpayments under other long term care insurance coverage for the same services. You should carefully consider any other longterm care coverage you may have before accessing benefits under the LTCR. Accelerating benefits under the LTCR willimpact the policy's death benefit and cash surrender value.



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The values shown below are derived from the values shown in the Tabular Values Report. This table displays the LTCR Total Benefit Pool asof the beginning of each policy year, the Maximum Monthly Benefit at the beginning of each year as well as a projection of the minimumnumber of months that monthly benefits would last assuming that the Maximum Monthly Benefit is paid each month and that LTCRaccelerated benefit payments begin at the beginning of each policy year. The payout period assumes Paid-Up Additions are not added to orsurrendered from the Dividends Benefit Pool once accelerated benefit payments start.

Dividend Option: See Narrative Summary.

This example is provided to help in the understanding of the Table of Values below. It assumes that if payment of theLTCR Maximum Monthly Benefit began at Age 61 (Age End Year 62), benefits would last 62 months.

Age End Year: 62 63 64 ... ... ... 66 67Monthly Payment: $18,750 $18,750 $18,750 ... ... ... $18,750 $18,750

(2 months)

Total LTCR Benefit Paid$1,164,756 over 6 Years

LTCR Values

Year____

AgeEndYear____

LTCRCurrent

PremiumBeg Year

_________

LTCRMaximumPremium

Beg Year*_________

LTCRCurrent

DividendCharge

Beg Year__________

LTCRTotal

CurrentCharges

Beg Year__________

LTCR BaseBenefit

PoolBeg Year*_________

LTCRDividends

Benefit PoolBeg Year

_________

LTCRTotal


_________

LTCRMaximum

MonthlyBenefit

Beg Year_________

LTCR MinPayoutPeriod

(in months)Beg Year

__________

1 46 506 506 0 506 900,000 0 900,000 18,750 482 47 506 1,013 0 506 900,000 0 900,000 18,750 483 48 506 1,013 31 538 900,000 0 900,000 18,750 484 49 506 1,013 35 541 900,000 13,574 913,574 18,750 485 50 506 1,013 38 545 900,000 28,031 928,031 18,750 49

6 51 506 1,013 42 549 900,000 43,517 943,517 18,750 507 52 506 1,013 45 551 900,000 60,201 960,201 18,750 518 53 506 1,013 48 554 900,000 77,204 977,204 18,750 529 54 506 1,013 51 558 900,000 94,829 994,829 18,750 5310 55 506 1,013 55 562 900,000 113,078 1,013,078 18,750 54

11 56 506 1,013 59 566 900,000 132,143 1,032,143 18,750 5512 57 506 1,013 64 570 900,000 152,055 1,052,055 18,750 5613 58 506 1,013 68 575 900,000 172,819 1,072,819 18,750 5714 59 506 1,013 72 578 900,000 194,355 1,094,355 18,750 5815 60 506 1,013 76 582 900,000 216,326 1,116,326 18,750 59

16 61 506 1,013 89 596 900,000 238,909 1,138,909 18,750 6017 62 506 1,013 104 610 900,000 264,756 1,164,756 18,750 6218 63 506 1,013 120 626 900,000 294,044 1,194,044 18,750 6319 64 506 1,013 137 643 900,000 326,944 1,226,944 18,750 6520 65 506 1,013 153 660 900,000 363,521 1,263,521 18,750 67

LTCR Selections

Base Benefit Pool $900,000.00 MMBIO NoInitial Maximum Monthly Benefit $18,750.00 Base PUA Available for LTCR YesSelected Benefit Period 48 Months

* Values are GuaranteedNon-guaranteed values include dividends which are neither estimates nor guarantees, but are based on the 2014 dividend scale. The dividendscale is reviewed annually and it is likely that dividends in future years will be lower or higher depending on the Company's actualexperience. For this reason, we strongly recommend that you look at a hypothetical lower scale illustration available upon request.Prepared on: March 10, 2014Version: MMD Web2012-1-1 (CT)Initial TAMRA (7-Pay) Limit: $47,992.66


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LTCR Values

Year____

AgeEndYear____

LTCRCurrent

PremiumBeg Year

_________

LTCRMaximumPremium

Beg Year*_________

LTCRCurrent

DividendCharge

Beg Year__________

LTCRTotal

CurrentCharges

Beg Year__________

LTCR BaseBenefit


LTCRDividends


_________

LTCRTotal


_________

LTCRMaximum

MonthlyBenefit

Beg Year_________


(in months)Beg Year

__________

21 66 506 1,013 168 675 900,000 403,394 1,303,394 18,750 6922 67 506 1,013 184 691 900,000 446,079 1,346,079 18,750 7123 68 506 1,013 200 706 900,000 491,675 1,391,675 18,750 7424 69 506 1,013 216 723 900,000 539,938 1,439,938 18,750 7625 70 506 1,013 232 738 900,000 590,876 1,490,876 18,750 79

26 71 506 1,013 249 755 900,000 644,238 1,544,238 18,750 8227 72 506 1,013 268 774 900,000 700,185 1,600,185 18,750 8528 73 506 1,013 290 797 900,000 758,975 1,658,975 18,750 8829 74 506 1,013 313 820 900,000 821,333 1,721,333 18,750 9130 75 506 1,013 337 843 900,000 887,171 1,787,171 18,750 95

31 76 506 1,013 358 864 900,000 956,462 1,856,462 18,750 9932 77 506 1,013 378 884 900,000 1,028,562 1,928,562 18,750 10233 78 506 1,013 399 906 900,000 1,103,119 2,003,119 18,750 10634 79 506 1,013 423 929 900,000 1,180,426 2,080,426 18,750 11035 80 506 1,013 450 956 900,000 1,260,790 2,160,790 18,750 115

36 81 506 1,013 476 982 900,000 1,344,752 2,244,752 18,750 11937 82 506 1,013 507 1,013 900,000 1,432,045 2,332,045 18,750 12438 83 506 1,013 536 1,043 900,000 1,523,553 2,423,553 18,750 12939 84 506 1,013 567 1,073 900,000 1,618,947 2,518,947 18,750 13440 85 506 1,013 597 1,103 900,000 1,718,285 2,618,285 18,750 139

41 86 506 1,013 632 1,138 900,000 1,821,427 2,721,427 18,750 14542 87 506 1,013 667 1,173 900,000 1,929,153 2,829,153 18,750 15043 88 506 1,013 699 1,205 900,000 2,041,508 2,941,508 18,750 15644 89 506 1,013 729 1,236 900,000 2,157,827 3,057,827 18,750 16345 90 506 1,013 759 1,266 900,000 2,277,993 3,177,993 18,750 169

46 91 506 1,013 786 1,292 900,000 2,401,859 3,301,859 18,750 17647 92 506 1,013 807 1,313 900,000 2,528,858 3,428,858 18,750 18248 93 506 1,013 826 1,332 900,000 2,658,023 3,558,023 18,750 18949 94 506 1,013 843 1,349 900,000 2,789,062 3,689,062 18,750 19650 95 506 1,013 858 1,364 900,000 2,921,592 3,821,592 18,750 203



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LTCR Values

Year____

AgeEndYear____

LTCRCurrent

PremiumBeg Year

_________

LTCRMaximumPremium

Beg Year*_________

LTCRCurrent

DividendCharge

Beg Year__________

LTCRTotal

CurrentCharges

Beg Year__________

LTCR BaseBenefit


LTCRDividends


_________

LTCRTotal


_________

LTCRMaximum

MonthlyBenefit

Beg Year_________


(in months)Beg Year

__________

51 96 506 1,013 874 1,381 900,000 3,055,224 3,955,224 18,750 21052 97 506 1,013 882 1,389 900,000 3,189,997 4,089,997 18,750 21853 98 506 1,013 881 1,387 900,000 3,324,315 4,224,315 18,750 22554 99 506 1,013 859 1,365 900,000 3,456,274 4,356,274 18,750 23255 100 506 1,013 0 506 900,000 3,582,149 4,482,149 18,750 239

56 101 0 0 0 0 900,000 3,696,689 4,596,689 18,750 24557 102 0 0 0 0 900,000 3,998,836 4,898,836 18,750 24058 103 0 0 0 0 900,000 4,320,441 5,220,441 18,750 22859 104 0 0 0 0 900,000 4,662,757 5,562,757 18,750 21660 105 0 0 0 0 900,000 5,027,119 5,927,119 18,750 204

61 106 0 0 0 0 900,000 5,414,945 6,314,945 18,750 19262 107 0 0 0 0 900,000 5,827,748 6,727,748 18,750 18063 108 0 0 0 0 900,000 6,267,135 7,167,135 18,750 16864 109 0 0 0 0 900,000 6,734,818 7,634,818 18,750 15665 110 0 0 0 0 900,000 7,232,620 8,132,620 18,750 144

66 111 0 0 0 0 900,000 7,762,481 8,662,481 18,750 13267 112 0 0 0 0 900,000 8,326,465 9,226,465 18,750 12068 113 0 0 0 0 900,000 8,926,769 9,826,769 18,750 10869 114 0 0 0 0 900,000 9,565,733 10,465,733 18,750 9670 115 0 0 0 0 900,000 10,245,846 11,145,846 18,750 84

71 116 0 0 0 0 900,000 10,969,759 11,869,759 18,750 7272 117 0 0 0 0 900,000 11,740,291 12,640,291 18,750 6073 118 0 0 0 0 900,000 12,560,446 13,460,446 18,750 4874 119 0 0 0 0 900,000 13,433,419 14,333,419 18,750 3675 120 0 0 0 0 900,000 14,362,611 15,262,611 18,750 24

76 121 0 0 0 0 900,000 15,351,643 16,251,643 18,750 12



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This report and the following pages provide a more detailed example regarding how the LTCR acceleration of death benefitsimpacts the premiums, cash surrender values and death benefits of the Whole Life Legacy 100 policy. The values shown beloware derived from the values in the Tabular Values. Actual payment of any LTCR benefits is subject to the terms, conditions,exclusions, limitations, non-duplication of the benefit provisions and satisfaction of the Elimination Period of the LTCR.

Dividend Option: See Narrative Summary

Summary of Example of LTCR Acceleration of Death Benefits

Total Initial Premium of $21,006

Total Premium Outlay* of $918,663

Can Provide

Pre-LTCR Claim Payable Death Benefit

$1,000,000 at Age 45

$2,821,427 at Age 85

LTCR Benefits Begin at Age 85

$18,750 Starting LTCR Maximum Monthly Benefit

LTCR Benefits are payable for 163 Months

$3,057,827 Total LTCR Benefits paid

Payable Death Benefit at End of LTCR Claim Period

$1,535,868 at Age 99

LTCR Selections


* This report reflects the out-of-pocket costs through the end of the LTCR Claim Period which is age 99.

Non-guaranteed values include dividends which are neither estimates nor guarantees, but are based on the 2014 dividend scale. The dividendscale is reviewed annually and it is likely that dividends in future years will be lower or higher depending on the Company's actualexperience. For this reason, we strongly recommend that you look at a hypothetical lower scale illustration available upon request. Refer tothe Tabular Values pages in the Basic Illustration for guaranteed values.Prepared on: March 10, 2014Version: MMD Web2012-1-1 (CT)Initial TAMRA (7-Pay) Limit: $47,992.66


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This following example shows how the acceleration of death benefits impacts the premiums, cash surrender values and deathbenefits of the Whole Life Legacy 100 policy assuming claims start at Age 85 (Age End Year 86). The values shown below arederived from the values in the Tabular Values until accelerated benefit payments begin. Actual payment of any LTCR benefitsis subject to the terms, conditions, exclusions, limitations, non-duplication of benefit provisions and satisfaction of theElimination Period of the LTCR.


Example of LTCR Acceleration of Death Benefits


Year_____

AgeEndYear____


AnnualPremium

WaiverBeg Year________

AnnualOutlay

Beg Year________

LTCRAnnualBenefit

Beg Year________

LTCRRemaining

BenefitPool

End Year________

Net CashValue

End Year________

LTCRCashValueLien

End Year________

CashSurrender

ValueEnd Year________

NetDeath

BenefitEnd Year

_________

LTCR DeathBenefit

(DB) LienEnd Year

_________

PayableDeath

BenefitEnd Year________

1 46 21,006 0 21,006 0 900,000 0 0 0 1,000,000 0 1,000,0002 47 21,006 0 21,006 0 900,000 0 0 0 1,000,000 0 1,000,0003 48 21,006 0 21,006 0 913,574 18,799 0 18,799 1,013,574 0 1,013,5744 49 21,006 0 21,006 0 928,031 40,521 0 40,521 1,028,031 0 1,028,0315 50 21,006 0 21,006 0 943,517 63,461 0 63,461 1,043,517 0 1,043,517

6 51 21,006 0 21,006 0 960,201 87,709 0 87,709 1,060,201 0 1,060,2017 52 21,006 0 21,006 0 977,204 112,985 0 112,985 1,077,204 0 1,077,2048 53 21,006 0 21,006 0 994,829 139,357 0 139,357 1,094,829 0 1,094,8299 54 21,006 0 21,006 0 1,013,078 166,832 0 166,832 1,113,078 0 1,113,07810 55 21,006 0 21,006 0 1,032,143 195,489 0 195,489 1,132,143 0 1,132,143

11 56 21,006 0 21,006 0 1,052,055 225,297 0 225,297 1,152,055 0 1,152,05512 57 21,006 0 21,006 0 1,072,819 256,336 0 256,336 1,172,819 0 1,172,81913 58 21,006 0 21,006 0 1,094,355 288,587 0 288,587 1,194,355 0 1,194,35514 59 21,006 0 21,006 0 1,116,326 322,122 0 322,122 1,216,326 0 1,216,32615 60 21,006 0 21,006 0 1,138,909 357,054 0 357,054 1,238,909 0 1,238,909

16 61 21,006 0 21,006 0 1,164,756 392,913 0 392,913 1,264,756 0 1,264,75617 62 21,006 0 21,006 0 1,194,044 431,434 0 431,434 1,294,044 0 1,294,04418 63 21,006 0 21,006 0 1,226,944 472,748 0 472,748 1,326,944 0 1,326,94419 64 21,006 0 21,006 0 1,263,521 516,958 0 516,958 1,363,521 0 1,363,52120 65 21,006 0 21,006 0 1,303,394 564,045 0 564,045 1,403,394 0 1,403,394

21 66 21,006 0 21,006 0 1,346,079 613,878 0 613,878 1,446,079 0 1,446,07922 67 21,006 0 21,006 0 1,391,675 666,735 0 666,735 1,491,675 0 1,491,67523 68 21,006 0 21,006 0 1,439,938 722,713 0 722,713 1,539,938 0 1,539,93824 69 21,006 0 21,006 0 1,490,876 781,921 0 781,921 1,590,876 0 1,590,87625 70 21,006 0 21,006 0 1,544,238 844,449 0 844,449 1,644,238 0 1,644,238

LTCR Selections




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Year_____

AgeEndYear____


AnnualPremium


AnnualOutlay

Beg Year________

LTCRAnnualBenefit

Beg Year________

LTCRRemaining

BenefitPool

End Year________

Net CashValue

End Year________

LTCRCashValueLien

End Year________

CashSurrender


NetDeath

BenefitEnd Year

_________

LTCR DeathBenefit

(DB) LienEnd Year

_________

PayableDeath


26 71 21,006 0 21,006 0 1,600,185 910,390 0 910,390 1,700,185 0 1,700,18527 72 21,006 0 21,006 0 1,658,975 979,983 0 979,983 1,758,975 0 1,758,97528 73 21,006 0 21,006 0 1,721,333 1,053,341 0 1,053,341 1,821,333 0 1,821,33329 74 21,006 0 21,006 0 1,787,171 1,130,652 0 1,130,652 1,887,171 0 1,887,17130 75 21,006 0 21,006 0 1,856,462 1,212,099 0 1,212,099 1,956,462 0 1,956,462

31 76 21,006 0 21,006 0 1,928,562 1,297,322 0 1,297,322 2,028,562 0 2,028,56232 77 21,006 0 21,006 0 2,003,119 1,386,162 0 1,386,162 2,103,119 0 2,103,11933 78 21,006 0 21,006 0 2,080,426 1,478,716 0 1,478,716 2,180,426 0 2,180,42634 79 21,006 0 21,006 0 2,160,790 1,574,971 0 1,574,971 2,260,790 0 2,260,79035 80 21,006 0 21,006 0 2,244,752 1,675,142 0 1,675,142 2,344,752 0 2,344,752

36 81 21,006 0 21,006 0 2,332,045 1,779,035 0 1,779,035 2,432,045 0 2,432,04537 82 21,006 0 21,006 0 2,423,553 1,887,110 0 1,887,110 2,523,553 0 2,523,55338 83 21,006 0 21,006 0 2,518,947 1,999,353 0 1,999,353 2,618,947 0 2,618,94739 84 21,006 0 21,006 0 2,618,285 2,115,905 0 2,115,905 2,718,285 0 2,718,28540 85 21,006 0 21,006 0 2,721,427 2,236,608 0 2,236,608 2,821,427 0 2,821,427

41 86 21,006 0 21,006 225,000 2,604,153 2,361,812 170,375 2,191,438 2,929,153 225,000 2,704,15342 87 21,006 4,350 16,656 225,000 2,491,508 2,491,344 347,477 2,143,868 3,041,508 450,000 2,591,50843 88 21,006 8,963 12,044 225,000 2,382,827 2,624,479 530,732 2,093,747 3,157,827 675,000 2,482,82744 89 21,006 13,575 7,431 225,000 2,157,827 2,761,761 719,568 2,042,193 3,278,840 900,000 2,378,84045 90 21,006 18,188 2,819 225,000 1,932,827 2,902,397 926,465 1,975,932 3,403,606 1,125,000 2,278,606

46 91 21,006 18,956 2,050 225,000 1,707,827 3,045,985 1,136,363 1,909,623 3,531,556 1,350,000 2,181,55647 92 21,006 18,956 2,050 225,000 1,482,827 3,192,993 1,349,620 1,843,373 3,661,714 1,575,000 2,086,71448 93 21,006 18,956 2,050 225,000 1,257,827 3,343,714 1,566,432 1,777,282 3,793,788 1,800,000 1,993,78849 94 21,006 18,956 2,050 225,000 1,032,827 3,498,742 1,787,283 1,711,459 3,927,391 2,025,000 1,902,39150 95 21,006 18,956 2,050 225,000 807,827 3,659,093 2,013,039 1,646,054 4,062,131 2,250,000 1,812,131

51 96 21,006 18,956 2,050 225,000 582,827 3,827,234 2,245,397 1,581,838 4,198,048 2,475,000 1,723,04852 97 21,006 18,956 2,050 225,000 357,827 4,007,444 2,488,455 1,518,989 4,333,534 2,700,000 1,633,53453 98 21,006 18,956 2,050 225,000 132,827 4,205,815 2,748,409 1,457,406 4,466,669 2,925,000 1,541,66954 99 21,006 18,956 2,050 132,827 0 4,432,868 2,947,455 1,485,413 4,593,695 3,057,827 1,535,86855 100 21,006 18,956 2,050 0 0 4,708,508 3,057,827 1,650,681 4,708,508 3,057,827 1,650,681



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Year_____

AgeEndYear____


AnnualPremium


AnnualOutlay

Beg Year________

LTCRAnnualBenefit

Beg Year________

LTCRRemaining

BenefitPool

End Year________

Net CashValue

End Year________

LTCRCashValueLien

End Year________

CashSurrender


NetDeath

BenefitEnd Year

_________

LTCR DeathBenefit

(DB) LienEnd Year

_________

PayableDeath


56 101 0 0 0 0 0 5,011,416 3,057,827 1,953,589 5,011,416 3,057,827 1,953,58957 102 0 0 0 0 0 5,333,831 3,057,827 2,276,005 5,333,831 3,057,827 2,276,00558 103 0 0 0 0 0 5,677,010 3,057,827 2,619,183 5,677,010 3,057,827 2,619,18359 104 0 0 0 0 0 6,042,289 3,057,827 2,984,463 6,042,289 3,057,827 2,984,46360 105 0 0 0 0 0 6,431,093 3,057,827 3,373,266 6,431,093 3,057,827 3,373,266

61 106 0 0 0 0 0 6,844,935 3,057,827 3,787,109 6,844,935 3,057,827 3,787,10962 107 0 0 0 0 0 7,285,429 3,057,827 4,227,602 7,285,429 3,057,827 4,227,60263 108 0 0 0 0 0 7,754,291 3,057,827 4,696,464 7,754,291 3,057,827 4,696,46464 109 0 0 0 0 0 8,253,347 3,057,827 5,195,520 8,253,347 3,057,827 5,195,52065 110 0 0 0 0 0 8,784,543 3,057,827 5,726,716 8,784,543 3,057,827 5,726,716

66 111 0 0 0 0 0 9,349,947 3,057,827 6,292,120 9,349,947 3,057,827 6,292,12067 112 0 0 0 0 0 9,951,764 3,057,827 6,893,937 9,951,764 3,057,827 6,893,93768 113 0 0 0 0 0 10,592,337 3,057,827 7,534,511 10,592,337 3,057,827 7,534,51169 114 0 0 0 0 0 11,274,164 3,057,827 8,216,337 11,274,164 3,057,827 8,216,33770 115 0 0 0 0 0 11,999,900 3,057,827 8,942,073 11,999,900 3,057,827 8,942,073

71 116 0 0 0 0 0 12,772,374 3,057,827 9,714,547 12,772,374 3,057,827 9,714,54772 117 0 0 0 0 0 13,594,595 3,057,827 10,536,768 13,594,595 3,057,827 10,536,76873 118 0 0 0 0 0 14,469,766 3,057,827 11,411,940 14,469,766 3,057,827 11,411,94074 119 0 0 0 0 0 15,401,299 3,057,827 12,343,473 15,401,299 3,057,827 12,343,47375 120 0 0 0 0 0 16,392,823 3,057,827 13,334,996 16,392,823 3,057,827 13,334,996

76 121 0 0 0 0 0 17,448,201 3,057,827 14,390,374 17,448,201 3,057,827 14,390,374



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Messages

March 10, 2014

Name: Valued Client M/45

Company/ Product: MassMutual Designs/ Leg 100 WL

MassMutual Designs Warning(s)This Illustration may not be used with any prospect, and no sale, solicitation of or application for the LTCR, is permitted prior to the Agent completing all required long-term care pre-sale and/or continuing training for the contract state illustrated.

Page 1 of 1 03/10/14 11:24 AM

Client Input SummaryCompany:

Product:

MassMutual Designs

Leg 100 WL

March 10, 2014

Page 1 of 2

Insured

First Name Valued

Last Name Client

Sex Male

Issue Age 45

Class Non-Tobacco

Table Rating None

Temp. Flat Extra 1 to 7 -

Tax Bracket Percent 1 to 76 - 28

Contract State Connecticut

Design

Design Base+LTCR

Premium Mode Annual

Known Face Amount

Face Amount 1 to 76 - 1000000

Face Amount Available for Acceleration [Base Benefit Pool] Max

Initial Maximum Monthly Benefit [MMB] Amount Solve

Selected Benefit Period in Years 4 years

Include Base PUA in Benefit Pool Y

Maximum Monthly Benefit Increase Option [MMBIO] N

Example of Acceleration for LTCR Services Age/Year Age

Age 85

Dividend Option 1 to 76 - Paid Up Additions

Loan Rate Adjustable

Illustrate APO N

Illustrate Flexible Outlay N

Single Payment Program [SPP] N

1035 Exchange N

Options

Product Type Non-Qualified

Dividend Rate Current

Policy Owner Individual

Optimize Face Amount to Best Band N

Print to Age/Year/Max Max

Riders

Waiver of Premium [WP] N

Renewable Term Rider [RTR] N

Guaranteed Insurability Rider [GIR] N

Additional Life Ins. Rider [ALIR] - Scheduled N

Additional Life Ins. Rider [ALIR] - Unscheduled N

Long Term Care Access Rider [LTCR] N

Client Input SummaryCompany:

Product:

MassMutual Designs

Leg 100 WL

March 10, 2014

Page 2 of 2

Disbursements

Disbursements N

Reports

New Business Report N

Short Form N

Outlay N

Cash Value Increase N

Internal Rate of Return on Cash Value N

Internal Rate of Return on Death Benefit N

MassMutual Dividends N

Revised Illustration N

Agent Info

Agent First Name Woodrow

Agent Last Name Harrison

Agent Company Plum Financial

Agent Address1 111 Gracie Drive

Agent City Winterville

Agent State Vermont

Agent Zip Code 01118

Agent Email [email protected]

Agent Health License N

LTCR Pre-sale Training Completed N

MMLISI Registered Y

Bank Sale N

Concept

Concept None

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