People are living longer
and that means more time and savings
will be spent in retirement.

If you need a tax-deferred investment to provide a guaranteed stream of income
for life or a specified number of years, it might be worth considering an annuity.

An annuity is a
contract between an
insurance company
and an annuity owner

In exchange for a purchase payment, or series of payments,
the insurance company guarantees1 to pay a stream
of income in the future.

Annuities are not appropriate for everyone. There are fees and charges associated with owning an annuity.

Annuities do not provide any additional tax advantage when used to fund a qualified plan.
Investors should consider buying an annuity to fund a qualified plan for the annuity’s additional features, such as lifetime income payments and death benefit protection.

Principal Underwriters: MML Distributors, LLC (MMLD) and MML Investors Services LLC (MMLISI) Members FINRA and SiPC.
MMLD and MMLISI are subsidiaries of Massachusetts Mutual Life Insurance Company (MassMutual), 1295 State Street, Springfield, MA 01111-0001.

Insurance products issued by Massachusetts Mutual Life Insurance Company, Springfield, MA 01111 and its subsidiary
CM Life Insurance Company, Enfield, CT 06082.

1 Guarantees are based on the claims-paying ability of the issuing company and do not apply to the investment performance
or safety of the amounts held in the variable investment options.

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