variety of annuities, pension plans and mutual funds. The group serves several individual and institutional customers. The company operates the Division, which provides retirement plans. Massachusetts Mutual Life Insurance Company s affiliates include Babson Capital Management, Baring Asset

and families in the following areas: Health insurance: directly with the major health insurance companies or through Covered California Life insurance: individual, business overhead Medicare: Medicare Supplements, Medicare Advantage and Prescription Drug plans Annuities: immediate and deferred

Allianz life insurance company, American National Life Insurance Company, AVIVA Life insurance Company, Illinois Mutual Life Insurance Company, Metropolitan Life insurance Company, Fidelity Life Association and Nationwide