Dividends are not guaranteed.

The information provided is not written or intended as specific tax or legal advice. 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.

The products and/or certain features may not be available in all states.

All guarantees are based on the claims-paying abilities of the issuing insurance company.

Insurance products issued by Massachusetts Mutual Life Insurance Company (MassMutual) Springfield, MA 01111-0001.

Annuity products are issued by Massachusetts Mutual Life Insurance Company (MassMutual) and C.M. Life Insurance Company. C.M. Life Insurance Company, Springfield, MA 01111-0001, is non-admitted in New York and is a subsidiary of MassMutual, Springfield, MA 01111-0001.