equity edge
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MassMutualEquity EdgeSM
Variable Annuity
“Felix N Ortiz Rivera”“MassMutual ”Seminar and InsuranceSales Presentation
Retirement Income Strategies
EQUITY EDGE Client 309 RI-01147-01 311
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MassMutual Equity Edge
The information contained in this communication is not written or intended as tax or legal advice. Neither MassMutual nor any of its employees or representatives is authorized to give tax or legal advice. The information provided herein may not be relied on for purposes of avoiding any federal tax penalties. Individuals are encouraged to seek tax or legal advice from an independent professional advisor.
The MassMutual Equity EdgeSM variable annuity is sold by prospectus. Before purchasing a variable annuity contract, investors should carefully consider the investment objectives, risks, charges and expenses of the variable annuity contract and its underlying investment choices. For this and other information, obtain the prospectuses for the MassMutual Equity Edge variable annuity contract and its underlying investment choices from your registered representative. Please read the prospectuses carefully before investing or sending money.
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MassMutual Equity EdgeGrowth 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
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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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Sources of Retirement Income are Changing
What are your options? A more aggressive investment strategyOR The conservative route.
These are very real challenges facing millions of Americans.
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Annuities
What is an annuity? What is a variable annuity?
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MassMutual Equity Edge At A Glance
Different and Exclusive. Growth Potential. Principal Protection. Simplified. Annuity Features. A Timely Possible Retirement Solution.
The investment return and principal value of a variable annuity will fluctuate with market conditions. Accumulation units, when redeemed, may be worth more or less than their original cost.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.Annuities do not provide any additional tax advantage when used to fund a qualified plan. Investors should consider buying an annuity to fund a qualified plan for the annuity’s additional features such as lifetime income payments and death benefit protection.
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Is MassMutual Equity Edge Right For You?
…Do I want a simplified approach to preparing for retirement?
…Do I consider myself a conservative investor?
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MassMutual Equity Edge
Investor Profiles
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Stuck in the Middle…“I’m not sure what to do… A fixed annuity may not offer attractive enough returns. But a traditional
variable annuity may provide too many choices for equity exposure and principal protection.”
Guarantees are contingent upon the claims-paying ability of MassMutual.
MassMutual Equity Edge Investor Profiles
Keeping it Simple…“Traditional variable annuities can require many ongoing decisions.”
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Market First-timers… “I hate missing out on market rallies, but I don’t want to lose my principal!”
MassMutual Equity Edge Investor Profiles
Conservative Money… “Although I’m comfortable in the market, I should diversify my investment portfolio. However, I sure would hate to miss out on a market rally.”
Guarantees are contingent upon the claims-paying ability of MassMutual.
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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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MassMutual Equity Edge Investor Profiles
…MassMutual Equity Edge Opportunity Market participation Built-in principal protection Few decisions Simplified approach Retirement income
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.
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Single Investment Principal Protection
MassMutual Equity Edge In Detail
Benefit Period Principal Protection5-year 100%7-year 100%10-year 110%
Guarantees are contingent upon the claims-paying ability of MassMutual.The compensation that we pay to broker-dealers whose registered representatives sell this contract varies by benefit period. The compensation paid is the same whether you elect the 7- or 10-year benefit period, but may be less if you elect the 5-year benefit period.
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Guarantees are contingent upon the claims-paying ability of MassMutual.
Automatic Allocation
MassMutual Equity Edge In Detail
Fixed Investment Equity Investment
The S&P 500 Index is a list of securities frequently used as a measure of U.S. stock market performance. The S&P 500 Index is unmanaged and does not represent the performance of MassMutual Equity EdgeSM or a specific underlying fund. An investment cannot be made directly in an index.
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MassMutual Equity Edge Fast Facts
Total Insurance Charge(Does not apply to the fixed investment portion)
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%)
* Subject to change
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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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*In most states, an MVA applies for any amounts withdrawn from the fixed account more than 30 days prior to the end of the benefit period. Generally, rising interest rates may result in an MVA that negatively impacts a withdrawal, while falling rates may result in a positive adjustment to a withdrawal.If an MVA is negative, the contract value upon surrender will not go below your purchase payment rolled up at the guaranteed minimum interest rate, less any applicable contingent deferred sales charge. For example,on a $100,000 purchase payment with a negative MVA, the client’s contract value will never go below what they put in plus interest, less any contingent deferred sales charge.Withdrawals are subject to income tax, and if taken prior to age 59 ½, a 10% federal income tax penalty may apply. Guarantees and payment of lifetime income are contingent upon the claims-paying ability of MassMutual.
Liquidity Feature
MassMutual Equity Edge In Detail
Withdrawal* May be subject to a market value adjustment (MVA).
An MVA results in positive or negative change to the value of what’s withdrawn from the fixed account if the initial and current interest rates vary upon withdrawal. Lower current rates result in a positive MVA, while higher current rates result in a negative market value adjustment.
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Withdrawals are subject to income tax, and if taken prior to age 59 ½, a 10% federal income tax penalty may apply.Guarantees are contingent upon the claims-paying ability of the issuing company.* Annuities do not provide any additional tax advantage when used to fund a qualified plan. Investors should consider buying an annuity to fund a qualified plan for the annuity’s additional features such as lifetime income payments and death benefit protection.
Other Provisions
MassMutual Equity Edge In Detail
Home Health Care and Nursing Home Waiver Terminal Illness Waiver Death Benefit
Spousal Continuance Tax Deferral*
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Guarantees and payment of lifetime income are contingent upon the claims-paying ability of MassMutual.*Principal protection benefit not available.**Withdrawals outside of a window period: While you are participating in a benefit period, if you make a withdrawal outside of the window period, your withdrawal will be subject to a contingent deferred sales charge (only during the initial benefit period) and any applicable market value adjustment. Your Principal Protection Benefit will also be adjusted.Withdrawals during the window period: While you are participating in a benefit period, if you make a withdrawal during the window period, your withdrawal will not be subject to a contingent deferred sales charge or any applicable market value adjustment. Your Principal Protection Benefit will be adjusted unless your withdrawal is effective on the benefit period expiration date.Withdrawals are subject to income tax, and if taken prior to age 59 ½, a 10% federal income tax penalty may apply.
End of Benefit Period
MassMutual Equity Edge In Detail
Renew the Benefit Period Select a Different Time Horizon Move Money to the MML Money Market Fund* Withdraw Contract Value** Begin to Receive Income
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Withdrawals are subject to income tax, and if taken prior to age 59 ½, a 10% federal income tax penalty may apply.Guarantees and payment of lifetime income are contingent upon the claims-paying ability of MassMutual.
MassMutual Equity Edge In Detail
Life Income Life Income with Period Certain Joint and Last Survivor Joint and 2/3 Survivor Joint and Last Survivor with Period Certain Period Certain
Annuitization Options
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Issue Age (Owner/Joint Owner Or Annuitant If Entity Owned) Minimum: None Maximum: 80, though this may vary in some states
Investment Limits Minimum: $25,000 Maximum: $1,500,000 for contract owners up to and
including age 75; or $500,000 for contract owners age 76 and older and for non-natural owners
Contract Maintenance Fee Currently $40 per year; maximum of $60 per year Waived on contract values over $100,000
MassMutual Equity Edge Fast Facts
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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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Markets Non-Qualified: Non-Qualified, Custodial IRA, Non-Qualified
Deferred Compensation Plan (Non 457 Plans) (Joint contract owners can own non-qualified contracts.)
Qualified: Traditional IRA, Roth IRA, SEP IRA Qualified Plan: Pension Plan, 401(k), Keogh (HR10), Target Benefit
Plan, Profit Sharing Plan, Money Purchase Pension Plan
Withdrawals are subject to income tax, and if taken prior to age 59 ½, a 10% federal income tax penalty may apply.Please consult a tax adviser prior to electing partial annuitization. The tax consequences of a partial annuitization are uncertain.
MassMutual Equity Edge Fast Facts
Maturity Age/Date Maximum: Age 100, though this may vary in some states Minimum: 13 months after issue date for full and partial annuity
payments; the minimum amount for partial payout is $10,000
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Financial strength ratings are as of March 1, 2009, and subject to change. Ratings do not apply to the separate account or variable investment choices offered under the contract. Ratings are for Massachusetts Mutual Life Insurance Company.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.
Massachusetts Mutual Life Insurance Co.
More than 150 years Consistent Financial Strength Ratings
A.M. Best Company A++ (Superior – 1st category of 15)
Fitch Ratings AAA (Exceptionally Strong – 1st category of 21)
Moody’s Investors Service, Inc. Aa1 (Excellent – 2nd category of 21)
Standard and Poor’s Corp. AAA (Extremely Strong – 1st category of 20)
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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.
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MassMutual Equity EdgeSM [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 Company1295 State StreetSpringfield, MA 01111-0001
MassMutual Equity Edge
Growth Potential. Principal Protection.Income. Simplified.
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© 2009 Massachusetts Mutual Life Insurance Company, Springfield, MA. All rights reserved. www.massmutual.com. MassMutual Financial Group is a marketing name for Massachusetts Mutual Life Insurance Company (MassMutual) and its affiliated companies and sales representatives.