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Life UnderwritingRequirements GuideA Reference Guide for Financial ProfessionalsFOR FINANCIAL PROFESSIONAL USE ONLY. NOT FOR USE WITH THE PUBLIC
TA B L E O F C O N T E N T S1 A Message from the Chief Life Underwriter2 Requirements Guide Step 1: Determine insurance age Step 2: Determine amount at risk3 Step 3: Determine underwritingrequirements Step 4: Create application package Step 5: Order exams and tests,and check APS Guidelines4 Medical History/Exam Medical Tests6 Additional Requirements10Preferred Underwriting Criteria11Preferred Points13 Life Build Chart14 Height and Weight Conversionto Body Mass Index15 Age and Amount Requirement Charts16 Attending Physician Statement (APS)Ordering Guidelines
A Message from theChief Life UnderwriterAt MassMutual, our Life Underwriting department has a proven track record of making sound,ethical decisions. Our continual review of underwriting guidelines and evolving research ensuresproducers have a competitive edge in the marketplace.The Life Underwriting requirements guide provides an overview of routine life insuranceunderwriting requirements and general information for life new business, term conversions, andinsurability option riders that require evidence of insurability.I encourage you to utilize the Life Underwriting Requirements Guide in conjunction with our onlineField Underwriting guide (FieldNet), to better understand potential underwriting impacts ofmedical conditions and nonmedical risks. This will enable you to set appropriate expectations withyour clients during the application process.PA M B E A L S , V I C E P R E S I D E N T A N D C H I E F L I F E U N D E R W R I T E R1
Requirements GuideStep 1: Determineinsurance ageStep 2: Determineamount at risk“Insurance age” is the age at the closestbirthday to the Policy Date. An individual’sinsurance age changes 6 months prior to his/her actual birth date. For example, if you are40 as of the Policy Date (usually the date thepolicy is issued) and will turn 41 in less than 6months, your insurance age is 41. If you willturn 41 in more than 6 months, your insuranceage is 40.Use the sum of the base policy face amountand any riders that increase the amountof insurance: Term Riders (RTR, YTP, and STR) Life Insurance Supplemental Rider (LISR) Additional Life Insurance Rider (ALIR) Additional Insurance Rider (AIR) Estate Preservation/EstateProtection (EPR) Supplemental Insurance PurchaseRider (SIPR)To determine the additional amount at riskunder ALIR, multiply the ALIR payment by thecorrect multiplier for the insured’s age:A M O U N T AT R I S KISSUE AGESSCHEDULEDUNSCHEDULED0-3010x* or 20x#2x31-4010x2x41-595x2x60-692x1x70 1x1x* Use 10x if total face amount for determiningrequirements is 250,000#2Use 20x if total face amount for determiningrequirements is 250,000
Step 3: Determineunderwriting requirementsUse insurance age and amount at risk to locatethe requirements on the charts on page 15.Use the total amount at risk in all applicationscurrently submitted to and/or issued byMassMutual within the past 12 months.Step 4: Create applicationpackageUse LifeApp Express to compile the forms foryour wet signature application package. Collect signatures and pre-payment,if applicable. Submit forms to your NewBusiness Coordinator. New Business Coordinator completesdata entry and quality check andsubmits to home office.Or, use EZ-app tool to create applicationpackage including any supplemental formsneeded. Supplemental forms are generatedautomatically based on data entry responses.Step 5: Order examsand tests, and checkAPS GuidelinesAn authorized examiner must perform allmedical requirements. Contact an authorizedparamedical vendor to arrange appropriateexams and tests. Check APS Guidelines(page 16) to determine if an APS shouldbe ordered.Producers are responsible for arrangingall requirements and authorizations andsubmitting them to the home office unlessotherwise noted. Clinical ReferenceLaboratory (CRL) performs all lab tests (blood,urine, and oral fluids).Medical History/ExamNon-MedicalIncludes basic information about medicalhistory. In addition to cases indicated on thechart, complete the non-medical if submittinganother company’s Part 2/exam in place of aMassMutual Part 2/exam. Valid up to 12 months from the Part 1signature date.11These are guidelines. All requirement expiration dates are subject to underwriter discretion.3
Paramedical ExamMedical history and height, weight, bloodpressure, and pulse rate measurements,obtained by a paramedical examiner. Submitted on the Part 2Application form. Up to age 70, valid up to 12 monthsfrom the exam date.1 Above age 70, valid up to 6 monthsfrom the exam date.1Client Medical Interview (CMI)The Client Medical Interview is an onlineprocess, for use with new business individuallife applications, that requires potentialInsureds to complete a self-directed onlinemedical questionnaire. This process replacesthe traditional non-medical and ParamedicalPart 2 Application process. Valid up to 12 months from the Part 1signature date.1 CMI is subject to state andproduct availability.Senior Supplement (Sr. Supp)Completed in addition to the paramedicalexam. This supplement includes questionsregarding activities as well as cognitiveexercises and a functional screen. Valid up to 6 months from theexam date.14Medical TestsBlood Profile and Urinalysis(Blood / Urine)Collection of blood and urine samples, whichare screened for cholesterol and other bloodlipids, blood sugar, liver and kidney function,nicotine, HIV, and illegal drugs. Additionaltests may be performed at certain ages andrisk amounts, or based on initial findings. Producers are responsible for ensuringthat Proposed Insureds sign anyrequired HIV consent form prior tothe blood draw. The lab transmits results directly tothe home office. Valid up to 12 months from thetest date.1NTproBNPA hormone produced by the heart. Increasedblood levels are a marker of cardiac risk. Completed as part of the blood profilebased on age/amount requirements. In instances where labs are completedby another carrier, we may be able tosubstitute an EKG completed withinthe last 12 months subject tounderwriter discretion.
Physical Measurements(Phys. Meas.)Paramed Exam, Blood Profile andUrinalysis — Optimizing ResultsCollection of height, weight, blood pressure,and pulse rate measurements.The following is a list of suggestions to helpyour clients get the most accurate test results. The lab transmits results directly tothe home office. Get a good night’s sleep and take allyour prescription medications as usual. Up to age 70, valid up to 12 monthsfrom the exam date.1 May be best to postpone the exam iffeeling ill or under a great deal of stress. Above age 70, valid up to 6 monthsfrom the exam date.1 Proposed Insureds are not requiredto fast, although an 8-12 hour fast issuggested. Morning exams make iteasier to fast.Oral FluidsThe examiner places a sterile swab betweenthe Proposed Insured’s cheek and gum forat least 2 minutes to collect fluids for HIV,cocaine, and nicotine screening. The lab transmits results directly tothe home office. Valid up to 12 months from thetest date.1Resting Electrocardiogram(Resting EKG)Routine and painless recording of theelectrical activity of the heart. Valid up to 12 months from thetest date.1 Avoid energy drinks and othercaffeinated beverages for at least onehour prior to exam. Be well-hydrated as this will make iteasier for the examiner to draw blood. Drink a glass of water an hour or sobefore the exam to aid in providing aurine specimen. Heavy exercise, such as running amarathon or triathlon, can sometimeslead to transient changes in blood testresults. It may be best to wait at least3 days after an event to have aninsurance exam. To help ensure accurate measurements,ask the examiner to use the appropriatesize BP cuff, and avoid talking whileBP and pulse are being assessed. Bring a complete list of yourcurrent medications. Bring the names, addresses andphone numbers of your currenthealth care providers.5
Additional RequirementsAttending Physician Statement(APS)A copy of the Proposed Insured’smedical records. Please consult the detailed APSguidelines on page 16 to determinewhen an APS is necessary. Producers/agency staff may orderrequired APSs from approved vendorEMSI or directly from the physician ormedical facility. Underwriters mayalso order APSs. When in doubt about whether to orderan APS, consult with the underwriter. Notify the underwriter if an APS hasbeen ordered. Medical records must be U.S. based.Cognitive AssessmentThe Assessment is required for those applyingfor the LTC Rider who are age 64 and older. Itmay also be requested by an underwriter forcause in other cases. The Assessment consistsof a series of questions and memory exercisesand is performed by a trained interviewer overthe telephone. This requirement is generatedupon receipt of the application for the LTCRider, at the underwriter’s discretion. It isordered and received only by the home office. The interviewer will call the ProposedInsured at the phone number on theapplication and make every effort toreach the Proposed Insured at the mostconvenient time. Valid for up to 6 months from theinterview date.1CC 1 Part 2The CC1 Part 2 will be conducted bytrained interviewers and consists of aseries of questions related to personal andmedical history. The CC1 Part 2 is uniqueto the CareChoiceSM One product andno substitutions of MassMutual or othercompanies’ Part 2 are permitted. The interviewer will call the ProposedInsured at the phone number on theapplication and make every effort toreach the Proposed Insured at the mostconvenient time. Valid up to 6 months from the interviewdate, provided the CC1 Part 2 wassigned by client.16
Pharmacy Database Check (RX)A search that is completed on a pharmacydatabase and then crosschecked againstthe applicant’s medication and medicalhistory information on the application. Thisrequirement is ordered and received by thehome office.Telephone Inspection (PHI)A personal history interview conducted bytrained interviewers. Questions are used toverify information on the application, collectmissing details, and provide supplementalinformation. Topics include employment,insurance in force, medical history, hobbies,lifestyle and finances. The underwriter will order the interviewafter reviewing the application. The interviewer will call the ProposedInsured at the phone number on theapplication and make every effort toreach the Proposed Insured at the mostconvenient time.Important note about telephoneinterviews – Producers must thoroughlyprepare all Proposed Insureds for telephoneinterviews by explaining the process and thenature of the questions. All Proposed Insuredsmay be called for a Telephone Inspection or aSupplemental Health Questionnaire (SHQ),which is similar to a Telephone Inspectionand focuses on a specific topic selected bythe underwriter (such as a particular medicalcondition). Underwriters may order interviewsfor any Proposed Insured without advancenotice. Proposed Insureds who are wellprepared and expecting the call are much morelikely to have a positive interview experience.Written Inspections (IR)Consumer reports on the Proposed Insured’sfinances, lifestyle, character, and personalreputation. The investigator may conducttelephone or in-person interviews withthe Proposed Insured and other sources(such as personal and business associates,accountants and attorneys) in addition tochecking public records. Thoroughly prepare each client byexplaining the process and the natureof the information collected. ProposedInsureds who are well prepared aremuch more likely to have a positiveinspection experience. Written Inspection requests aregenerated at Application Data Entry(ADE). It is important for agency staffto accurately enter all inspection data toavoid delays. Typically valid up to 12 months from theinterview date.1Motor Vehicle Report (MVR)Proposed Insured’s driving history report. The home office obtains the MVR usinginformation from Application DataEntry (ADE). It is essential for agency staff toaccurately enter the driver’s licensenumber to ensure quick MVR processing.7
FinancialsFor face amounts over 5,000,000,financial documentation may be required(at underwriter’s discretion). Documentationcan consist of tax returns, third-partygenerated financial statements or otheracceptable documentation.If premium financing is to be used for anypolicy, premium financing documents andsupplement form (F7002) are required.Your underwriter may at any timerequest additional discretionary financialrequirements for any age and amount inorder to properly assess the risk.Important Notes RegardingFinancial RequirementsFor UL/SUL and term applications for ages70 with aggregate risk amounts equal toor greater than 1,000,000, the followingfinancial documentation is required: Tax returns and supporting documents. Premium financing documents andsupplement form (F7002) if applicable. If trust owned, a complete copy of trustagreement and certification of trustagreement (F6734). If LLC or similar entity owned, acomplete copy of the businessentity document or agreement andcertification form (F7833).Non-U.S. CitizensFor non-U.S. citizens, a copy of a valid visa or“green card” is required with submission of theapplication. For all products, permanent andterm, submit the foreign supplement (F6290).8
Financial Supplements (Fin Q)Important NotesThe necessary Financial Supplement willdepend upon purpose of insurance:MassMutual Underwriting Practiceand ProceduresMassMutual creates its productsindependently of each other. Eachproduct has its own unique characteristics,such as expense assumptions and pricing.In turn, the underwriting standards mayvary from product to product. Financial Supplement for PersonalInsurance (FR2075).AGEAMOUNTUp to 70 5,000,001 - 10,000,00071-80 2,000,001 - 5,000,000 80 25,000 - 5,000,000 Business Financial Supplement (FR2074). The Financial Supplements (Fin Qs) donot take the place of required financialdocumentation for Premium Financing,or UL/SUL and term. Applications for age 70 withaggregate risk amounts equal to orgreater than 1,000,000.In addition, when using the requirementscharts, understand that while requirementsare typically generated by age and amount,your underwriter may at any time requestadditional discretionary requirements in orderto properly assess the risk.All requirement expiration dates are subjectto underwriter discretion. If tax returns are received for UL/SULor term applications, for ages 70 withaggregate risk amounts equal to orgreater than 1,000,000, we may beable to waive Financial Supplements atthe underwriter’s discretion.9
Preferred Underwriting CriteriaMinimum face amount is 50,000 ( 100,000for Term products). Minimum age is 17.Preferred Risk Classes: Ultra Preferred Select Preferred Non-tobacco Select Preferred Tobacco Driving history–– No more than 2 moving violations inthe past 3 years and no DUI/DWI inthe past 5 years. Drug/Alcohol–– No history of drug or alcohol abuse ortreatment for drugs or alcohol in thelast 10 years. OccupationInitial Eligibility:All Proposed Insureds must meet the followinginitial criteria to be eligible for preferredunderwriting consideration. Aviation–– Private aviation can qualify for Ultrawith an Aviation Exclusion Rideronly. Select may be available for a“well-qualified” pilot (see aviationguidelines) or with a rating. Avocation–– Ratings for avocation are allowed.–– No ratable occupation. Ratings–– No current ratings for anymedical impairment. Residency–– Meets usual residency guidelines. Tobacco/Nicotine–– Ultra Preferred and Select PreferredNon-tobacco require negativeurinalysis (no nicotine) and no useof tobacco or nicotine in the past 12months, with the exception of up to24 cigars per year. Cancer–– No history of cancer2, which wouldhave resulted in a rating in the last10 years unless otherwise allowed bycurrent underwriting guidelines.210The cancer rating may not have occurred in the last 10 years regardless of when the cancer was diagnosed or treated. Forexample, a proposed insured with a cancer history that was rated with a 4-year temporary flat extra running from 1990 to1994 (ending over 10 years ago) is eligible beginning in 2005. If the rating ran from 2000 to 2004, the proposed insured isnot eligible until 2015. A proposed insured with a permanent flat extra or table rating for cancer is not eligible for preferrednow or in the future.
Tobacco Use Guidelines:Tobacco use is considered the use of anynicotine-based product or smoking cessationproduct in the past year. Nicotine-basedproducts/smoking cessation products include:cigarettes, pipe, snuff, chew, smokelesstobacco, electronic cigarettes, Hookah/Hookah Tobacco, smoking cessation aids, andnon-nicotine smoking cessation aids. Urinespecimen must be negative for nontobaccoconsideration. Clients may still qualify fornon-tobacco rates if only tobacco/nicotine useis cigars (provided they don’t smoke more than24 cigars a year and have a negative urinalysisspecimen for nicotine).Preferred Guidelines:Proposed Insureds qualify for preferred riskclasses by accumulating points for variouselements of good health. Elements mostpredictive of a long life earn more pointsthan others. The following chart displays allavailable points and criteria.Note that certain criteria provide theopportunity to earn multiple points. Fractionalpoints are not available.For those cases which are eligible foralgorithmic underwriting, Preferred classesare determined by the MassMutual MortalityScore or M3S. The M3S is based on our ownhistorical mortality studies. It uses informationfrom the lab results, CMI, Part 1, and motorvehicle report and returns a risk classdetermination. This determination is madebased on how a particular score comparesto others in the same 5-year age category (apercentile score). For instance, if a 35 year oldman has a score that is better than 75% of hispeers (75th percentile), that score would beconsistent with an offer of UPNT.The M3S essentially replaces Preferred Pointsfor these cases. The variables considered bythe M3S include cholesterol, liver functiontests, kidney function tests, blood proteins,urine tests, family history of vascular disease,cancer and diabetes, as well as driving historyand medical history.Preferred PointsProposed Insureds who meet the initialeligibility requirements must earn thefollowing points.RISK CLASSIFICATIONPOINTSUltra Preferred10 pointsSelect Preferred Non-tobacco8 pointsSelect Preferred Tobacco7 pointsUse the following preferred underwritingcalculator to estimate how many points yourclient might earn.11
P R E F E R R E D U N D E R W R I T I N G C A L C U L AT O RFOR ALL PROPOSED INSUREDSAVAILABLE POINTS 7Avocation ratingNo rating for avocation 1Blood pressure or blood lipid treatmentNo current treatment 1Electron Beam Computerized Tomography (EBCT)Favorable test result within the last 5 years 2Family historyNo cardiovascular disease in either parent before age 60 1Lab resultsC urrent blood/urine results (excluding blood lipids) are within normal limits 1Nicotine/Tobacco use (including cigars)None in the last 2 years 1AGE-SPECIFIC CRITERIAAVAILABLE POINTS 2Proposed Insureds 60 years oldFavorable NTproBNP 125pg/ml within 1 year 1Normal EKG, stress test or angiography within 2 years 1GENDER-SPECIFIC CRITERIAAVAILABLE POINTS 8Blood pressure average over last 2 yearsAVAILABLE POINTS 2WomenMen 136/78 136/86 1 130 / 72 132 / 80 1AVAILABLE POINTS 2Body Mass Index (BMI: height/weight)WomenMenBMI 17-28BMI 18-30 1BMI 17-23BMI 18-25 1AVAILABLE POINTS 4Cholesterol/HDL ratioWomenMen 4.5 4.9 2 3.0 3.4 2TOTAL AVAILABLE POINTSIN ALL CATEGORIES 1712
LIFE BUILD CHARTMAXIMUM WEIGHT FOR PREFERREDMAXIMUM WEIGHT FOR STANDARDHEIGHTAGE 64 ANDUNDERAGE 65 AND UPAGE 64 ANDUNDERAGE 65 AND �’29833533536313
H E I G H T A N D W E I G H T C O N V E R S I O N TO B O DY M A S S I N D E X ( B M I )BMI 1241251261271282292302312322362
AGE AND AMOUNT RE QUIREMENT CHARTSPERM PRODUCTSTERM PRODUCTS0-16N/A17-4041-5018-4041-5051-6061-7071-80 8061-70 70(VTART ONLY)N/ACMI3CMI4CMI3Non-med Phys. .Meas.4Blood/UrineCMI4Non-med I4Phys.Meas.4Blood/Urine 500,000TO 1,000,000CMI4Non-med I4Phys.Meas.4Blood/Urine 1,000,001TO 2,000,000CMI44Non-med ePHI5CMI4Phys.Meas.4Blood6/UrinePHI5 2,000,001TO 3,000,000CMI44Non-med UrineEKGPHI 3,000,001TO 5,000,000ParamedNon-med rinePHIParamedBlood6/UrineEKGPHI 5,000,001TO 10,000,000ParamedFinancialParamedBlood/UrinePHIFin QParamedBlood/UrineEKGFin QPHIParamedBlood6/UrineEKGFin QPHIParamedBlood6/UrineEKGFin ER 50,000N/A ON TERM 50,000 TO 249,999TERM: 100,000TO 249,999 250,000TO 499,999OVER 10,000,000TERM:VT10 & VT20CMI351-60Non-med Phys. Meas.Oral FluidsPhys. Meas.Oral FluidsPhys.Meas.4Oral FluidsParamedParamedParamedSpecimenUrine Specimen Urine Specimen UrineFin QParamedParamedParamedSr. SuppSr. SuppBlood/UrineBlood6/Urine6Blood /UrineFin QParamedParamedParamedSr. SuppSr. SuppBlood6/UrineBlood6/Urine6Blood /UrineFin QParamedParamedSr. SuppParamedSr.SuppBlood6/Urine6Blood /UrineBlood6/UrinePHIFin QParamedParamedParamedSr. SuppSr. HIPHIPHIFin QParamedSr. SuppBlood6/UrineEKGPHIFin QParamedSr. SuppBlood6/UrineEKGPHIFin QParamedSr. SuppBlood6/UrineEKGIRFinancialParamedSr. SuppBlood6/UrineEKGIRFinancialParamedSr. SuppBlood6/UrineEKGPHIFin QParamedSr. SuppBlood6/UrineEKGPHIFin QParamedSr. SuppBlood6/UrineEKGIRFinancialParamedSr. SuppBlood6/UrineEKGIRFinancialPlease see page 8 for financial requirements (additional financials may be required at Underwriter’s discretion). Forsurvivorship contracts, use half the applied for amount to determine medical requirements only. Non-medical requirementssuch as IRS and financials will be based on full amount applied for.3CMI is subject to state and product availability, otherwise a Non-med will be required.4CMI is subject to state and product availability, otherwise a Paramed will be required.5PHI is required for non-U.S. Citizens and at underwriting discretion.6NTproBNP testing required. See page 4 for more details.15
LT C / L I F E C O M B O P R O D U C T : C A R E C H O I C E O N EINSURANCE AGE7AMOUNT AT RISK UP TO 720,000835-50CC1 Part 251-63CC1 Part 264-69CC1 Part 2Cognitive AssessmentAT T E N D I N G P H Y S I C I A N S TAT E M E N T ( A P S ) O R D E R I N G G U I D E L I N E SAMOUNT AT RISK16INSURANCEAGE 250,000 250,000 500,000 500,001 1,000,000 1,000,0012,000,000 2,000,001 3,000,000 3,000,001 5,000,000 5,000,000 4For CauseFor Cause18 mos18 mos18 mos18 mosRequired4-16For CauseFor CauseFor Cause18 mos18 mos18 mosRequired17-40For CauseFor CauseFor CauseFor CauseFor CauseFor CauseRequired41-50For CauseFor CauseFor CauseFor CauseFor Cause24 mosRequired51-60For CauseFor CauseFor CauseFor Cause24 mos24 mosRequired61-64For Cause24 mos24 mos24 mos24 mos24 mosRequired Required7New York issue ages 40-69 (non-tobacco) and ages 40-65 (tobacco).8California the maximum face amount could exceed 720,000 and would require additional underwriting.
Time Frames: If the Proposed Insured hasbeen seen by a health care provider within thetime frame shown (18 or 24 months), an APSwill be required. Office visits for the followingpurposes should not be obtained: camp,sports, employment, insurance, FAA, and DOTphysicals; vision screening (glasses/contacts);minor complaints (cold, flu, rash, musclesprain, etc.).Proposed Insureds age 16 and under:It is our expectation that children receiveroutine well-child care, and are seen by ahealth care provider within 18 months or morerecently if the child is under 3 years old. If not,we may be unable to proceed with the case.Please consult with Underwriting.Proposed Insureds over age 64:It is our expectation that those over age 64receive regular medical care. Therefore, ifthe Proposed Insured has not been seen by ahealth care provider within 12 months, we willnot be able to proceed with the case.This list is intended to provide generalguidance; it is not all-inclusive.When in doubt about whether to order anAPS, consult with the underwriter. Notify theunderwriter if an APS has been ordered.If the proposed insured has seen multiplephysicians, please obtain direction from theunderwriter regarding best source for APSinformation. It is imperative that we order themost useful source of medical informationfor each client to streamline the underwritingprocess and minimize time in underwriting.Note: For Insureds age 41 to 60 applying foramounts of 1,000,000 or less, do not ordermore than one APS without underwriterapproval. In order to benefit from AlgorithmicUnderwriting, our accelerated underwritingprogram, do not order APS’ for the followingages and amounts: Ages 0-16 for amounts 500,000 Ages 17-40 for amounts 1,000,000For Cause: An APS may be required on anycase at underwriter discretion. Examples ofcommon impairments for which an APS isneeded include: Biopsy, tumor, cancer (excluding basalcell carcinoma) Heart disease, including heart attack,heart catheterization, angioplasty,PTCA, coronary stent, bypass, CABG,valvular heart disease Stroke, TIA, CVA Diabetes COPD, emphysema Substance abuse Mental or emotional disordersrequiring more than two medications orhospitalization17
Since 1851, our business decisions have been guidedby our customers’ needs. Today, we offer a wide rangeof financial products and services to help peoplesecure their future and protect the ones they love.Learn more at www.massmutual.comProducts may not be available in all states. State variations apply.Single Premium Whole Life Insurance, (SPWL-2013, ICC13SPWL and ICC13SPWL in North Carolina), is a participating,permanent single premium life insurance policy issued by Massachusetts Mutual Life Insurance Company, Springfield, MA01111-0001. 2017 Massachusetts Mutual Life Insurance Company (MassMutual), Springfield, MA 01111-0001.All rights reserved. www.massmutual.com.U98 817
MassMutual Part 2/exam. Valid up to 12 months from the Part 1 signature date.1 Step 3: Determine underwriting requirements Use insurance age and amount at risk to locate the requirements on the charts on page 15. Use the total amount at risk in all applications currently submitted to and/or issued by MassMutual within the past 12 months.
