1. MassMutual Equity Edge SM Variable Annuity “ Felix N Ortiz Rivera” “ MassMutual ” Seminar and Insurance Sales Presentation Retirement Income Strategies EQUITY EDGE Client 309 RI-01147-01 311
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3. MassMutual Equity Edge Growth Potential. Principal Protection. Income. Simplified. MassMutual Equity EdgeSM and/or certain provisions may vary or may not be available in all states or with all firms contracted with MassMutual. Guarantees and payment of lifetime income are contingent upon the claims-paying ability of Massachusetts Mutual Life Insurance Company (MassMutual). Withdrawals are subject to income tax, and if taken prior to age 59 ½, a 10% federal income tax penalty may apply. Not FDIC/NCUA Insured Not A Bank Deposit Not Bank Guaranteed May Lose Value Not Insured By Any Federal Government Agency
4. Retirement Are you prepared? Have you saved enough? Invested enough? Will you have enough income when you retire … for the things you want to do? … for the places you want to go? … for the lifestyle you’re living now? Will you have enough income to last as long as you do?
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8. Is MassMutual Equity Edge Right For You? … Do I want a simplified approach to preparing for retirement? … Do I consider myself a conservative investor?
12. Put Me at Ease… “I’m planning to retire in the next five to 10 years, so I want to experience some equity exposure for growth potential, while protecting my principal.” Guarantees and payment of lifetime income are contingent upon the claims-paying ability of MassMutual. Withdrawals are subject to income tax, and if taken prior to age 59 ½, a 10% federal income tax penalty may apply. MassMutual Equity Edge Investor Profiles
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16. MassMutual Equity Edge Fast Facts Total Insurance Charge (Does not apply to the fixed investment portion) * Subject to change Current charge for 5-year benefit period:* Current 1.70% (Max. 3.45%) Current charge for 7-year benefit period:* Current 1.60% (Max. 3.35%) Current charge for 10-year benefit period:* Current 1.35% (Max. 3.10%) Current charge if no benefit period elected:* Current 1.35% (Max. 3.10%)
17. MML Equity Index: 0.45% as of 5/1/08 MML Money Market: 0.56% as of 5/1/08 Fund Operating Expenses MassMutual Equity Edge Fast Facts
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23. In New York, the CDSC begins at 7% in year 1 and is 1% less each year thereafter during the benefit periods shown above. For the 10-year benefit period in New York, the CDSC is 0% for years 8-10. Withdrawals are subject to income tax, and if taken prior to age 59 ½, a 10% federal income tax penalty may apply. MassMutual Equity Edge Fast Facts Contingent Deferred Sales Charge (CDSC) Year 1 2 3 4 5 6 7 8 9 10 5-Year Benefit Period 8% 8% 7% 6% 5% 0% 0% 0% 0% 0% 7-Year Benefit Period 8% 8% 7% 6% 5% 4% 3% 0% 0% 0% 10-Year Benefit Period 8% 8% 7% 6% 5% 4% 3% 2% 1% 0%
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26. MassMutual Equity Edge For many Baby Boomers, retirement is coming and with it, a new way of life. Sometimes the same old products just can’t keep up. That’s where we come in.
27. MassMutual Equity Edge SM [Policy Form #SPDVA06; SPDVA06 (NC)] is a single-premium deferred variable annuity contract issued by Massachusetts Mutual Life Insurance Company, 1295 State Street, Springfield, MA 01111-0001. (Some states require us to call this a modified single-premium deferred variable annuity.) Principal Underwriters: MML Investors Services, Inc. MML Distributors, LLC Subsidiaries of Massachusetts Mutual Life Insurance Company 1295 State Street Springfield, MA 01111-0001 MassMutual Equity Edge Growth Potential. Principal Protection. Income. Simplified.