MassMutual's Lifebridge program provides free $50,000 life insurance to working families, focusing on educational expenses for their children. The program targets parents aged 19-42 with dependent children, ensuring the death benefit is used solely for education. Community organizations and employers play a key role in promoting the program and assisting with the application process.

1. MassMutual’s LifeBridge sm Program Insurance for today . . . An education for tomorrow LifeBridge SM from Massachusetts Mutual Life Insurance Company CRN200911-41051

2. LifeBridge An education-focused, community service program to provide free life insurance to working families who can least afford life insurance Death benefit to be used solely for education of designated beneficiary(s) $50,000, 10-year term-life insurance on the life of one parent or legal guardian MassMutual pays the premium; agents donate their time; no commissions are paid

3. How it Works LifeBridge 10-Year Term Insurance Policy Upon death of insured $50,000 Policy Death Benefit MassMutual Trust Trust Payments Your Child’s Education MassMutual issues a $50,000, 10-Year Term Life Insurance Policy to a Trust* on the life of a qualifying applicant At the death of insured during the term of the policy, Death Benefit is payable to the MassMutual Trust Company MM Trust Company makes the payments for child’s educational expenses Payments are made directly to educational institutions Beneficiaries have 10 years or until they are 35 (whichever is later) to use the entire $50,000 benefit *Trust services provided by The MassMutual Trust Company, FSB, a wholly-owned subsidiary of MassMutual.

4. Educational Expenses/Choices The Trust Agreement describes all covered educational expenses. Some of these include: Tuition Books School Campus Room and Board Outstanding Student Loans Range of choices: Preschool Educational Programs Private School-kindergarten, middle and high school Public or Private College/University Trade/Vocational School

5. Eligibility Guidelines Insures the life of one parent or legal guardian: Between the ages of 19 and 42 One or more dependent children under the age of 18 A permanent, legal resident of US Currently employed full or part time Meets minimum and maximum income requirements – total family income must be between $10,000 - $40,000 In good health, as determined by MassMutual’s underwriting guidelines

6. Community/Faith Based Organizations Community and Faith Based Organizations are one key to participation in the program Share information with potential prospects and encourage them to apply Host an application meeting at their facility Schedule 15 minute appointments for each applicant Assist applicants in completing the eligibility form if they cannot attend application meeting

7. Employers Employers can also be key to reaching potential applicants Many of their employees may be eligible for the program Employers host on-site application meetings Communicate information about the program and application meetings through compliance approved e-mails, advertising, payroll stuffers, etc. Schedule 15 minute appointments for employees Strengthens positive employee relations

8. Application Process (one-and-done) Potential applicants are invited to attend an application meeting hosted by a local employer or community/faith based organization Complete pre-screening eligibility form Host schedules 15 minute appointments for each applicant Agent takes application for insurance Verifies employment and income Medical professional available for blood and urine samples

9. If the applicant(s) cannot attend an application meeting: Applicants complete a pre-screening eligibility form and mail to MassMutual If applicant passes the pre-screening, they will receive a letter to call a local agent to set up a time to complete the application and to have medical samples taken If applicant does not pass the pre-screening, a declination letter is sent Application Process (multi-step)

10. Why is MassMutual Offering LifeBridge? We feel a keen responsibility to give back to the communities that have long supported us With LifeBridge, we identified a way to tie our philanthropic focus - education - with one of our core products - life insurance This program helps to level the educational playing field for parents who have limited financial means We realize that ALL of our children are the future of our country, and not just those who have the financial means to get an education

11. Thank You! Thoughts … Suggestions … Discussion … Questions, etc . MassMutual Financial Group is a marketing designation (or fleet name) for Massachusetts Mutual Life Insurance Company (MassMutual) and its affiliates. Contact: Jason M. Cocco MassMutual Financial Group 2 Bala Plaza, Suite 901 Bala Cynwyd, PA 19004 P: 610-766-3084 C: 609-221-3292 Email: [email_address]