For Producer Use Only. Not For Use With The Public. CRN201112-128871 Disability Income Insurance Radius® Executive Select.

For Producer Use Only. Not For Use With The Public.

CRN201112-128871

Disability Income InsuranceRadius® Executive Select

For Producer Use Only - Not For Use With The Public

CRN201112-128871

Radius® Executive Select Program

Concept Review Program Specifics Coverage Options Underwriting Marketing Material FAQs

For Producer Use Only - Not For Use With The Public

CRN201112-128871

Benefits of this program

Provide more coverage to clients earning $800K+ Issue up to $15,000 per month of additional coverage Can participate with higher-than-normal limits – up to $35,000,

$40,000 or even up to $50,000 on select cases

Radius® Executive Select Program

For Producer Use Only - Not For Use With The Public

CRN201112-128871

Program Details

Minimum Income Required - $800,000o Minimum Policy benefit amount - $1,000

5A/4A Occupationso No Medical/Dental Occupations

Issue Ages – 18 to 60 Discounts are not available with this program Not available in CA, FL, PR

Radius® Executive Select Program

For Producer Use Only - Not For Use With The Public

CRN201112-128871

Program Details

Extra Premium required – percentage determined by benefit periodo 2 year = 100% extra premiumo 5 year = 110% extra premium

Maximum Replacement Ratioso With Group LTD – 50%o Without Group LTD – 25%

Taxability is not considered; same replacement ratio for both taxable and non-taxable purchased coverage

Can issue up to $15,000 per month and participate up to $35,000 per month with IDI and $40,000 or $50,000 with GLTD

Radius® Executive Select Program

The information provided is not written or intended as specific tax or legal advice and may not be relied on for purposes of avoiding any Federal tax penalties. MassMutual, its employees and representatives are not authorized to give tax or legal advice. Individualsare encouraged to seek advice from their own tax or legal counsel.

For Producer Use Only - Not For Use With The Public

CRN201112-128871

Program Details

Separate application must be submitted in order to qualify under this program

o Coverage may not be added to an existing Radius policy Full commissions are payable No dividend reduction (dividends are not guaranteed) List bills available

o Separate suffix if part of existing groupo No associated discount will apply

Radius® Executive Select Program

For Producer Use Only - Not For Use With The Public

CRN201112-128871

Coverage Options

Radius 07 series contract only Total disability coverage – no optional benefits Benefit periods: choose 2 or 5 year Waiting periods: choose 180 or 365 Premium is level premium

o Extra premium based on benefit period is included and guaranteed to age 65

Radius® Executive Select Program

For Producer Use Only - Not For Use With The Public

CRN201112-128871

Underwriting - Medical Requirements

Paramedical Exam Chemical Profile and Home Office Specimen Attending Physician Statement – Complete physical within 24

months or cause Personal History Interview Supplementary Health Statement – for cause

Radius® Executive Select Program

For Producer Use Only - Not For Use With The Public

CRN201112-128871

Underwriting - Medical Requirements

Program is highly selective Clients who would not qualify for IDI will not be eligible for

Executive Select Program Individual consideration for any history of

psychological/emotional disorder No offer if rating is 250% or higher No offer for case where three or more exclusion riders are

necessary

Radius® Executive Select Program

For Producer Use Only - Not For Use With The Public

CRN201112-128871

Underwriting - Financial Requirements

2 Years complete Personal tax returns including W-2* Statement of Net Worth (DI1961n) for all cases

*Business tax returns also required, if applicable

Radius® Executive Select Program

For Producer Use Only - Not For Use With The Public

CRN201112-128871

Underwriting - Financial Underwriting

Program is highly selective Clients who would not qualify for IDI will not be eligible for

Executive Select Program Income will include all cash compensation averaged over a

two-year period Also include deferred compensation up to a combined total

of 20% of cash compensation Stock options will not be included as income

Radius® Executive Select Program

For Producer Use Only - Not For Use With The Public

CRN201112-128871

Submission Process For GSI Offers up to $15,000 per month

o Multi-life underwriter will identifyo If quote is desired, underwriter will requesto Quote and Program Details sent back to producer o Case should be identified as Executive Select Program with cover

sheet and in comments section of policy For offers above the GSI amount

o Producer to complete “Inquiry Form”; (Form #DI2211) send to underwriting contact

o Underwriting contact will do initial review and request illustrationo Quote will be forwarded back to producero Case should be identified as Executive Select Program with cover

sheet and in comments section of policy

Radius® Executive Select Program

For Producer Use Only - Not For Use With The Public

CRN201112-128871

Radius® Executive Select Marketing Kit

Customized Illustration Cover Sheet

Folder (DI7083)

MassMutual Fact Sheet (COR3689)

Radius Executive Select Programcustomizable flyer (DI7086)

For Producer Use Only - Not For Use With The Public

CRN201112-128871

Frequently Asked Questions For 5A/4A occupations only – not available to medical or dental

occupationso Business Owner Upgrade and Executive Upgrade Program not

available for this program Because this program targets those with a need that is currently not

being addressed, those with net worth exceeding $10M may not be eligible

Two applications are required and two policies will be issued when concurrent coverage is applied for (ex: GSI offer and Executive Select request)

Radius® Executive Select Program

For Producer Use Only - Not For Use With The Public

CRN201112-128871

Frequently Asked Questions

Coverage will be issued using the Radius 07 series product Illustration Request form and Statement of Net Worth form can be

found on FieldNet

Radius® Executive Select Program

For Producer Use Only - Not For Use With The Public

CRN201112-128871

Contacts

General Information – Internal Wholesaler Unit at 1-800-767-1000 (follow prompts)

Individual New Business Underwriter Multi-life Underwriter DI Masters Unit (Illustration Support for DI Masters)

Radius® Executive Select Program

For Producer Use Only - Not For Use With The Public

CRN201112-128871 © 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.