QuickClose

Designed by Massachusetts Mutual Life Insurance Company (MassMutual) to

Benefit Lenders & Their Business Clients

CRN201102-116304 DMD4402

SM

QuickClose

Designed to benefit lenders & borrowers when life insurance is required as collateral for a business loan

Expedited underwriting 7-10 business day policy turn around Includes collateral assignment Solid track record - last 3+ years over 1500 policies & $3.9

million in annual premium 1

1 Figures tabulated from September 2005 through November 2008.

Lender Benefits

Issue loans faster, earn interest sooner. Cut weeks off your loan process. Enhance your standing with business clients. No additional costs. No trailing paperwork. Receive duplicate premium bills & reminders. A benefit you can promote to local businesses.

Advantages to Your Clients

Quality is not sacrificed for speed. No extra cost. Access to MassMutual’s* high quality life insurance products. Able to purchase life insurance tailored to their needs. MassMutual’s representative is a professional go-to person.

*and subsidiary companies

QuickClose Requirements

Loan issued by a commercial lender or Small Business Administration (SBA) qualified non-bank lender.

Life insurance required as collateral for the loan. Policy collaterally assigned to the lender. Up to (but not including) $10 million in face amount and under

$100,000 in premium.

Product Options

Term Life Insurance Universal Life Insurance Whole Life Insurance Variable Life Insurance*

*Securities offered through registered representatives of MML Investor Services, Inc., 1295 State Street, Springfield, MA 01111. Both are wholly owned subsidiaries of MassMutual

QuickClose is:

NOT simplified underwriting NOT a guaranteed issue product NOT an expense to the lender or borrower

“Right to Cure”

MassMutual uses an ABA & BMC approved collateral assignment form- lender able to step in to pay premiums.

MassMutual provides duplicate premium bills & reminder notices.

Acknowledged on collateral assignment form

The Process

Identify QC as an option- tell customer that QC is an expedited insurance program.

Inform your client that insurance products are not FDIC insured, etc.

Contact the MassMutual rep. working with your bank Our representative takes it from there. Policy issued in 7-10 business days, assuming a favorable

underwriting decision.

Achieving Speed

I’m your point person Relationships with Parameds Attending physician’s statement Special handling in underwriting

About MassMutual

Financial Strength Ratings1

MassMutual builds confidence among policyholders with outstanding financial performance.

Financial strength ratings are a key measure of a company’s ability to meet its.

We're proud that our ratings are among the highest of any company in any industry.- A.M. Best Company, A++ (Superior)- Fitch Ratings, AAA (Exceptionally Strong)- Moody's Investors Service Inc., Aa1 (Excellent)- Standard & Poor's Corp., AAA (Extremely Strong)

1Massachusetts Mutual Life Insurance Company and its subsidiaries, C.M. Life Insurance Company and MML Bay State Life Insurance Company. Ratings as of 3/2/09. Ratings are subject to change.

AffiliatesMassMutual Financial Group is a family of companies owned by

MassMutual including:

Oppenheimer Funds, Inc.Babson Capital Management LLCBaring Asset Management LimitedCornerstone Real Estate Advisors LLCMassMutual International LLCMML Investor ServicesThe MassMutual Trust Company, FSB

Support for Small Business

Long-standing history of strategic alliances and memberships in support of small businesses

Member of NAGGL (National Association of Government Guaranteed Leaders).

Getting Started with QuickClose

Just give us a call or send an email

Contact Information:Contact Information:

Scott M. Usselman

sussleman@finsvcs.com

858.558.7000 x 314

© 2008 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.

Insurance products issued by Massachusetts Mutual Life Insurance Company (MassMutual),1295 State Street, Springfield, MA 01111-0001 and CM Life Insurance Company and MML Bay State Life Insurance Company, 100 Bright Meadow Boulevard, Enfield, CT 06082.