EFTA00804385.txt

"Our Home Office is in Springfield, Massachusetts. The address is Massachusetts Mutual Life Insurance Company, 1295 State Street, Springfield, Massachu"

"Massachusetts Mutual Life Insurance Company... POLICY NUMBER 15,665,562 INITIAL FACE AMOUNT $5,000,000"

"INSURED NO. 1 JEFFREY KOGAN... POLICY NUMBER 15,665,562"

"INSURED NO. 2 FAITH M KOGAN... POLICY NUMBER 15,665,562"

"INSURED NO. 1 JEFFREY KOGAN"

"INSURED NO. 2 FAITH M KOGAN"

"This policy is a legal contract between the Owner and us. ... 'our'' refer to Massachusetts Mutual Life Insurance Company"

"Proposed Insured(s): JEFFREY KOGAN Policy No. 15,665,562 Appl. Pt. 1 Dated Jul 11, 2011 Part 2 Dated Apr 11, 2011"

"Proposed Insured(s): FAITH KOGAN Apr 11, 2011"

"The GDB Premium Account earns interest at an effective annual rate defined in this provision. Interest is credited daily."

"The Specified Premium Account earns interest at an effective annual rate defined in this provision."

"INSURED NO. 1 JEFFREY KOGAN... POLICY NUMBER 15,665,562"

"INSURED NO. 2 FAITH M KOGAN... POLICY NUMBER 15,665,562"

"The death benefit will be paid within 30 days after the date we receive due proof that both Insureds died"

"we will send an illustrative report of guaranteed and non-guaranteed values to the Owner upon written request"

"we must mail written notice to the Owner"

"we will mail an annual report to the Owner."

"the younger Insured's Attained Age 121"

"MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY... Policy Split Option Rider"

"MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY... Accelerated Death Benefit Rider"

"Massachusetts Mutual Life Insurance Company c/o Policy Delivery Requirement Unit M325 1295 State Street Springfield, MA 01111-0001"

"The Insureds are hereby notified that by virtue of this policy they are members of Massachusetts Mutual Life Insurance Company"

"last known address(es) of the Owner and any assignee shown in our records"

"This policy provides an Account Value comprised of the GDB Premium Account Value"

"The Owner has the option at any time to surrender this policy"

"the Owner may exercise all rights given by this policy or allowed by us."

"we will apply the immediate amount to the GDB Premium Account"

"MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY PRESIDENT"

"MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY ... SECRETARY"

"Proposed Insured(s): JEFFREY KOGAN ... FAITH KOGAN"

"Is this poSty king secluded in ccnnsceonwirdi an employer-spewed pima"

"the Owner may exercise all rights given by this policy or allowed by us."

"Massechueetts Mutual Life Insurance Co... Application Part 2... Proposed insurefS"