Disability Income Insurance

Long Term Care (LTC) Credit Endorsement

For Producer Use Only. Not For Use with The Public.

C:57866

LTC Credit Endorsement

2% of total (cumulative) premium paid on a MassMutual disability income policy is used as a credit towards first year MassMutual LTCi premiumincludes waiver of premium includes policy fee

For Producer Use Only. Not For Use with The Public.

LTC Credit Endorsement

Endorsement to be included on all Radius® ’04 Series, MaxElect, RetireGuard® Standalone, FlexElect Multi-life (issued after 11-1-04) and FlexElect Individual (issued after 11-1-04) policies

Part of base policy (i.e. like Right to Apply Provision)

Will not be available for in force business

For Producer Use Only. Not For Use with The Public.

LTC Credit Endorsement Guidelines

Don’t have to surrender DI policy to use credits Can only be used once on one LTCi policy (if

credits exceed LTCi premium, remainder of credits are forfeited)

Available on all occupation classes, all benefit periods and waiting periods, issued to age 64

Have one year from when the individual disability insurance (IDI)policy expires to use credits (IDI policy must be in force for at least 1 year)

For Producer Use Only. Not For Use with The Public.

LTC Credit Endorsement - Marketing Allows healthy insureds to purchase LTCi at a reduced first

year premium with the opportunity to get preferred rates Can combine policy credits (i.e. Radius and RetireGuard

Standalone) Can be used by insured or insured’s immediate family

(spouse, parents, spouse’s parents, children) LTC Producers will receive commission on full LTC

premium, not a reduced premium due to the application of the credits.

Report on illustration system showing how credits will accumulate

For Producer Use Only. Not For Use with The Public.

LTC Credit EndorsementInformation Included in the following Marketing Materials Product-at-a-Glance (MaxElect, Radius, FlexElect

Multi-life, FlexElect Individual) Consumer Brochure (MaxElect, Radius, FlexElect

Multi-life, FlexElect Individual) Annotated Policy (MaxElect, Radius, FlexElect Multi-

life, FlexElect Individual) Product Portfolio (DI1900) Worksite Producers Guide (DI1806) Individual Marketing Producer Guide (DI2600)

For Producer Use Only. Not For Use with The Public.

Massachusetts Mutual Life Insurance Company and affiliates, Springfield, MA 01111-0001 • www.massmutual.comMassMutual Financial Group is a marketing designation (or fleet name) for Massachusetts Mutual Life Insurance Company (MassMutual) and its affiliates.