¹ Dividends are determined annually, subject to change and not guaranteed.

² The MassMutual Long Term Care in America Study was research on consumers, conducted by Greenwald Research in 2022. The MassMutual Long Term Care Study of Financial Professionals was research on financial professionals, conducted by Greenwald Research in 2020.

Single Premium Whole Life Insurance (SPWL-2013, ICC13SPWL and ICC13SPWL in North Carolina, SPWL-NY-2019 and SPWL-FL-2021) and Limited Payment Whole Life insurance (MMCCWL-2019 and ICC19-MMCCWL in certain states, including North Carolina) are participating, permanent life insurance policies issued by Massachusetts Mutual Life Insurance Company (MassMutual), Springfield, MA 01111-0001.