We recognize that our relationships with you are based on integrity and trust. We work hard to maintain your privacy. We are very careful to preserve the private nature of our relationship with you. At the same time, the very nature of our business sometimes requires that we collect or share certain information about you with others. As such, we want you to be aware of how we handle and protect your personal information. Our policies and procedures for collecting and disclosing personal information are detailed below.

We may collect non-public personal information about you from:

We may share the information we collect with agents, brokers and others who service you.

We may share the financial information we collect with financial service affiliates such as:

Generally, we are allowed to share your financial information with our affiliates in marketing products or services to you. You cannot limit these disclosures. We may also share that information with companies that perform marketing, issue or administrative services for us.

We may share some or all of the information we collect with other financial institutions with whom we jointly market products. This may be done only if it is permitted in the state in which you live. Some disclosures may be limited to your name, contact and transaction information with us or our affiliates. Such information may include policy coverage, account balance, and payment information.

Any disclosures will be only to the extent permitted by federal and state law. Certain disclosures may require us to get an "opt-in" or "opt-out" from you. If this is required, we will do so before information is shared.

Any medical or health information we collect about you may be shared with third parties only:

We require anyone with whom we share your personal information to protect it. We also require that they use it solely for the purpose for which it was shared.

Otherwise, we do not share any personal information about our customers or former customers unless authorized by the customer or as permitted by law.

We restrict access to personal information about you to those employees who need to know that information to provide products and services to you. We maintain physical, electronic and procedural safeguards that comply with legal standards to guard your personal information.

If we provide more than one product or service to you, you may receive more than one privacy notice from us. We apologize for any inconvenience this may cause you. We want to be sure you are aware of our privacy practices.

This notice is provided by the following companies in the MassMutual Financial Group:

MassMutual Financial Group is a marketing name for Massachusetts Mutual Life Insurance Company (MassMutual) and its affiliated companies and sales representatives.

A cookie is a small data file that some Web sites write to your hard drive when you visit them. A cookie file can contain non-personal information such as the date and time of a Web site visit, an IP (computer) address, a user ID, a referrer (what Web site you came from), and the web browser version and capabilities. A cookie cannot read data off your hard disk or read cookie files created by other sites. The only personal information (such as name, address or other information that identifies you personally) a cookie can contain is information you supply.

We do not collect personal information through our Web site unless you willingly provide it to us, either directly by e-mail or in those areas of the Web site that request information.

If you have set your browser to warn you before accepting cookies, you will receive the warning message with each cookie. You can refuse cookies by turning them off in your browser. However, doing so may limit your access to certain sections of this Web site.

We use cookies to help us improve and manage our Web site. For example, cookies help us recognize new versus repeat visitors to the site, track the pages visited, and enable some special features on the Web site. This data helps us provide a better service for our Web site visitors.

In general, the e-mail services provided by this Web site are not encrypted and do not provide a secure and private means of communication with us. Certain services offered on this Web site do provide a secure means to communicate with us, and you will be advised when you are using such a service. To protect your own privacy, confidential and/or personal information should only be communicated via e-mail when you are advised that you are using a secure Web site.

We do not guarantee or warrant that any part of this Web site, including files available for download, are free of viruses or other harmful code. It is your responsibility to take appropriate precautions, such as use of an anti-virus software package, to protect your computer hardware and software.

(For a related statement about The Journey^SM, click here).

MassMutual Financial Group is a marketing name for Massachusetts Mutual Life Insurance Company (MassMutual) and its affiliated companies and sales representatives.

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:

To the extent allowed by law and except as otherwise specifically provided elsewhere on this Web site, all information presented here is furnished "as is" without any express or implied warranties of merchantability, fitness for a particular purpose, non-infringement of intellectual property rights, or freedom from errors, viruses, bugs or other harmful components. Neither the sponsor of this Web site nor any other person or entity is responsible for any damages arising out of the use of or inability to use this Web site or any of its content, even if the sponsor or other person or entity has been advised or should have been aware of the possibility of such damages.

We permit links from other Web sites and provide links to other Web sites simply as a convenience to visitors. The existence of a particular link does not indicate an endorsement by us of the linked site. Unless otherwise indicated, the linked sites are not under our control and we are not responsible for the content of any linked site or any link contained in a linked site, or any changes or updates to such sites. We make no representations about the accuracy or completeness of the information contained in any linked sites and assume no liability for the content or presentation of linked sites.

We are not responsible, and assume no liability, for content displayed on this Web site that may be provided by another party. We are not responsible for the accuracy or completeness of any such content.

You must obtain permission to link to this Web site and can make a request by contacting us at webmaster@massmutual.com. Requests to link to our site must include the URL of your site and an explanation for the link to our site.

Permission to link to this Web site is not required provided that the linked site is owned and maintained by a MassMutual agent, agency or broker and has been approved by the MassMutual Compliance Division, or, in the case of a MassMutual Retirement Services Representative, the MassMutual Retirement Services Compliance Unit.

You may download or print a copy of the information or materials contained on this Web site for personal, non-commercial use only, provided that the copy retains all copyright and other proprietary notices contained on the materials. Any other copying, republication or redistribution, reproduction, uploading, posting, or transmittal of the text or graphics of this Web site, including, without limitation, linking or framing, is expressly prohibited without our prior written permission.

You can request permission by contacting us at webmaster@massmutual.com. Requests to link to our site must include the URL of your site and an explanation for the link to our site.

You may not include our corporate name or any of our trademarks (for example, MassMutual Financial Group^®, Massachusetts Mutual Life Insurance Company^SM, or MassMutual^®) or any variation of them, as a metatag, hidden textual element, or any other indicator that may create an impression of an affiliation, relationship, or endorsement between any other party and us or our subsidiaries or affiliates.

MassMutual is a mutual life insurance company organized under the laws of the Commonwealth of Massachusetts. MassMutual is licensed to transact life, accident, and health insurance business in all states, the District of Columbia, and Puerto Rico, and certain provinces of Canada. MassMutual's principal place of business is 1295 State Street, Springfield, Massachusetts, and its NAIC number is 65935.

MassMutual also has two insurance subsidiaries through which some insurance products are sold. They are MML Bay State Life Insurance Company ("MML Bay State") and C.M. Life Insurance Company ("C.M. Life"). MML Bay State is domiciled in Connecticut and its principal place of business is 100 Bright Meadow Boulevard, Enfield, Connecticut. MML Bay State is licensed in all states (except New York) and the District of Columbia. MML Bay State's NAIC number is 70416. MML Bay State is licensed to transact a variable annuity business in 45 jurisdictions.

C.M. Life is domiciled in Connecticut and its principal place of business is 100 Bright Meadow Boulevard, Enfield, Connecticut. C.M. Life is licensed in all states (except New York), the District of Columbia, and Puerto Rico. C.M. Life's NAIC number is 93432. C. M. Life is licensed to transact a variable annuity business in all states (except New York), the District of Columbia, and Puerto Rico. C.M. Life is currently licensed to transact a variable life insurance business in all states (except New York and California), the District of Columbia and Puerto Rico.

This Web site is not intended as a solicitation in any jurisdiction in which MassMutual or any of its subsidiaries is not authorized to transact business.

For more information on our subsidiaries, click here.

We operate this Web site from offices within the United States of America. We do not represent that the information in this Web site is appropriate or available for use in other locations. Access from certain locations may be strictly prohibited. Those who access this site do so on their own initiative and are responsible for compliance with all applicable local laws. The laws of the Commonwealth of Massachusetts will govern any claims relating to the information contained on this Web site.

If you take legal action relating to this Web site, you agree to file such action only in the Superior Court of Hampden County, Springfield, Massachusetts or in the United States District Court for the District of Springfield, Massachusetts, and you consent and submit to the personal jurisdiction of those courts for the purpose of litigating any such action.

Your use of this Web site means that you accept the terms and conditions contained in this Web site.

The information contained on this Web site does not constitute an offer or solicitation for the sale of any security, insurance product, or service in any jurisdiction where we are not licensed to conduct business or where the security or insurance product is not available for sale. Securities products are offered for sale by prospectus only.

No security or insurance product is offered or will be sold in any jurisdiction in which such offer or solicitation would be unlawful under the laws of the jurisdiction. Some product, product features, or underlying investment options may not be available in all states. Products are generally not available for purchase outside the United States. To obtain additional information about our products, contact a local MassMutual agent or contact us.

The information on this Web site is provided for informational purposes. It is not intended and should not be construed as legal or tax advice. The information is not a substitute for legal or tax advice from a competent lawyer or tax adviser.

Through use of a Personal Identification Number ("PIN"), you may be able to access your policy, contract, certificate or account ("account") information on this Web site. In doing so, you may be transmitting personal information. By using this Web site to gain access to your account information, you consent to the electronic transmission of that personal information.

You are solely responsible for the confidentiality and use of your PIN and account number(s). You accept full responsibility for all transactions entered through your PIN. You agree to immediately notify us if your PIN is lost or stolen, if you become aware that your PIN and/or account number(s) is/are being used in an unauthorized manner, if you receive any confirmation of a transaction that you did not enter, or if you receive confirmation or a report containing conflicting or inconsistent information regarding your account.

Failure to notify us of one of the above conditions will release us and our employees, agents, affiliates and subsidiaries from any responsibility or liability to you or any other person or entity resulting from the management or loss of any transaction.

We reserve the right to discontinue electronic access to your account at any time. We further reserve the right to modify the information contained on this Web site or modify the availability of any transactions at any time. We may immediately and without notice terminate your ability to access your account information if you violate the conditions of use stated herein or if you endanger the use of the services provided through this Web site.

We are the copyright owners of all text and graphic images contained on this Web site, unless otherwise indicated. Our trademarks (service marks), including the marketing designation (fleet name) and logo, may only be used with the prior written permission of and a license agreement from Massachusetts Mutual Life Insurance Company, and may only be used if displayed in their correct form, are used in compliance with our corporate standards, and are used in keeping with practices that protect our trademarks and copyrighted material. Ownership of the trademarks must be attributed to the owner in a manner satisfactory to us.

You may make a request for permission and a license agreement by contacting us at webmaster@massmutual.com. Requests must include the URL of your site and an explanation of the reason for the request for permission and a license.

The trademarks (service marks) we or our subsidiaries own include the following (this is not a complete list):

This Privacy / Legal Notices Statement may be changed from time to time. We will notify you of any changes by modifying this Web site. We recommend that you review this Privacy / Legal Notices Statement periodically for changes.

Last modified August 2006.