The structure helps satisfy both the certain and uncertain needs of the injured party by providing access to trust services offered by the MassMutual Trust Company, FSB.

"MassMutual^® Structure Plus is a ground-breaking structured settlement solution," said Tom Hawkins, Division Head, Settlement Solutions Division. "It will provide a more comprehensive solution for catastrophically injured persons."

A Ground-Breaking Concept
With MassMutual^® Structure Plus, claimants place their settlement proceeds into a MassMutual structured settlement, which provides - for the convenience of the claimant - a lump sum payment which also funds a trust account for which the MassMutual Trust Company will serve as Trustee. The advantage of MassMutual^® Structure Plus is that it works with the structured settlement annuity, and the structured settlement annuity is all that has to be funded by the initial settlement. A portion of the settlement proceeds will be directed from the structured settlement annuity to the MassMutual Trust Company, FSB, as trustee of a trust established by the injured party. In this approach, everyone benefits, particularly the injured party, who receives a more comprehensive financial solution.

In this solution, most of the settlement proceeds are structured, while the trust serves as a resource to help meet the uncertain and unascertainable needs of the injured party. At their discretion, the injured party may also elect to designate additional lump sum payments from the structured settlement to be paid into the trust over time, as identified in the fixed and determined payments of the structured settlement. The trust portion of MassMutual^® Structure Plus is subject to a minimum period of seven years, during which the trust will be irrevocable. At year eight, the trust becomes revocable, if the claimant desires.

About MassMutual
MassMutual Financial Group is the fleet name for Massachusetts Mutual Life Insurance Company (MassMutual) - of which Settlement Solutions is a division - and its affiliates, with more than 13 million clients and over $395 billion in assets under management at year-end 2005.

Founded in 1851, MassMutual is a mutually owned financial protection, accumulation and income management company headquartered in Springfield, Mass. We are a premier provider of life insurance, annuities, disability income insurance, long term care insurance, retirement planning products, income management and other products and services for individuals, business owners, and corporate and institutional markets.

MassMutual's affiliates include OppenheimerFunds, Inc.; Babson Capital Management LLC; Baring Asset Management Limited; Cornerstone Real Estate Advisers LLC; MML Investors Services, Inc., member FINRA and SiPC (www.finra.org www.sipc.org); The MassMutual Trust Company, FSB; MML Bay State Life Insurance Company; C.M. Life Insurance Company; and MassMutual International, Inc.

©2006 Massachusetts Mutual Life Insurance Company (MassMutual) and affiliates, Springfield, MA 01111-0001. All rights reserved. Securities offered through registered representatives of MML Investors Services, Inc., a MassMutual subsidiary.

Structure Plus
The Structured Settlement Annuity (policy form #MUSPIA) is issued by Massachusetts Mutual Life Insurance Company, 1295 State Street, Springfield, MA 01111. Trust services offered by the MassMutual Trust Company, FSB.