ANNUAL STATEMENT FOR THE YEAR ENDED DECEMBER 31, 2014 OF THE CONDITION AND AFFAIRS OF THE SEPARATE ACCOUNTS OF THE Massachusetts Mutual Life Insurance Company NAIC Group Code 0435 0435 NAIC Company Code 65935 Employer's ID Number 04-1590850 (Current) (Prior)

Proprietary 2014 StoneRiver, Inc. NAIC Update Fall 2015 IASA Joint Chapter Educational Conference 2015 Annual Statement Update Life and Fraternal Statements • Modify instructions and illustrations for Notes 32 2015 and 2016 NAIC Accounting Practices and Procedures Manuals and 2016 NAIC User's Guide. The current rule adopted the 2015 NAIC Quarterly Statement Manuals, the 2014 NAIC Annual Statement Instructions Manuals, and the 2014 and 2015 NAIC Accounting Practices and Procedures Manuals. (ATTACHMENT 5) APPROVAL FOR FINAL ADOPTION 6. Request for in the NAIC Annual Statement Instructions. It is the responsibility of each company to utilize appropriate bar codes. Please do not staple the pages near the bar code area. Filing Smart A/Q Letter January 2, 2019 Page 2 5. Filing fees / taxes and assessments. • NAIC Staff was directed to develop a security definition and work on an investment funds schedule for potential inclusion in the annual statement. • Ref. # 2014-25, SSAP No. 41, Surplus Notes • The SAPWG confirmed that surplus notes with a rating of NAIC "1" should continue to be carried at amortized cost. A review of 2013 and 2014 Annual Statement, Schedule Y, disclosed that the Company did not properly include all members of the holding company system as required by the NAIC Annual Statement Instructions. It is recommended that the Company comply with the NAIC Annual Statement Instructions and disclose all required entities in its *77054 2014 2010010 0* ANNUAL STATEMENT For the Year Ended December 31, 2014 therefrom for the period ended, and have been completed in accordance with the NAIC Annual Statement Instructions and Accounting Practices and Procedures Email: help@naic.org; FAQ: Annual or Q