AMENDMENT TO PARTICIPATION AGREEMENT ING VARIABLE PRODUCTS TRUST

Item 27 Exhibit (h) i f1c.

AMENDMENT TO PARTICIPATION AGREEMENT

ING VARIABLE PRODUCTS TRUST

THIS AMENDMENT is made the 6th day of September, 2008, by and among Massachusetts Mutual Life Insurance Company (the “Company”), a life insurance company organized under the laws of the Commonwealth of Massachusetts, on its own behalf and on behalf of its Separate Accounts (the “Account(s)”) as listed on the amended Schedule A hereto; ING Variable Products Trust (the “Trust”), an open-end management investment company and business trust organized under the laws of the Commonwealth of Massachusetts, and ING Funds Distributor, LLC (hereinafter the “Distributor”), a Delaware limited liability company (collectively, “the Parties”).

WHEREAS, the Parties executed a Participation Agreement dated April 26, 2006 (the “Agreement”), and

WHEREAS, the Parties desire to further amend said Agreement in the manner hereinafter set forth;

NOW THEREFORE, the parties hereby amend the Agreement as follows:

1. ING Variable Products Trust (the “Trust”), the open-end management investment company and business trust organized under the laws of the Commonwealth of Massachusetts shall be removed from the Participation Agreement dated April 23, 2006 and any and all subsequent amendment.

2. The ING Investors Trust (“IIT”), an open-end management investment company and business trust organized under the laws of the Commonwealth of Delaware shall be added to the agreement.

3. By replacing the existing Schedule B with the Amended Schedule B attached hereto.

IN WITNESS WHEREOF, the parties hereto have caused this instrument to be executed by their duly authorized signatories as of the date and year first above written.

		MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY				ING VARIABLE PRODUCTS TRUST
		/S/    XX-XXXX XXXXXX				/S/    XXXX XXXXX
		Xx-Xxxx Xxxxxx				Xxxx Xxxxx
		Vice President & Actuary				Senior Vice President
		ING FUNDS DISTRIBUTOR, LLC				ING INVESTORS TRUST
		/S/    XXXX XXXXX				/S/    XXXX XXXXX
		Xxxx Xxxxx				Xxxx Xxxxx
		President, Chief Executive Officer				Senior Vice President

AMENDED SCHEDULE B

DESIGNATED PORTFOLIOS:

ING Global Real Estate Portfolio-Class S