AMENDMENT to the AUTOMATIC AND FACULTATIVE YRT AGREEMENT between MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY, MML BAY STATE LIFE INSURANCE COMPANY, and C.M. LIFE INSURANCE COMPANY (hereinafter the “Ceding Company”) and SWISS RE LIFE & HEALTH AMERICA...

Exhibit 26 (g) vi. c.

AMENDMENT to the

AUTOMATIC AND FACULTATIVE YRT AGREEMENT

between

MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY,

MML BAY STATE LIFE INSURANCE COMPANY, and

C.M. LIFE INSURANCE COMPANY

(hereinafter the “Ceding Company”)

and

SWISS RE LIFE & HEALTH AMERICA INC.

(hereinafter the “Reinsurer”)

Original Treaty Effective Date: April 1, 2005

Coverage: Strategic Edge Group Universal Life (GUL) with or without the variable rider (GVUL)

Effective April 1, 2005, the Amendment effective date, the Ceding Company and the Reinsurer agree to replace Schedule K – Rate Adjustment Mechanism of the above-referenced Agreement in its entirety with the attached Schedule K – Rate Adjustment Mechanism .

All terms and conditions of this Agreement not in conflict with the terms and conditions of this Amendment shall continue unchanged.

IN WITNESS WHEREOF, this Amendment is hereby executed in good faith by both parties:


MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY

By:	/s/ Xxxxx X. Xxxxxx	Date:	7/1/10
	Xxxxx X. Xxxxxx
	Second Vice President & Actuary

MML BAY STATE LIFE INSURANCE COMPANY

By:	/s/ Xxxxx X. Xxxxxx	Date:	7/1/10
	Xxxxx X. Xxxxxx
	Second Vice President & Actuary

C.M. LIFE INSURANCE COMPANY

By:	/s/ Xxxxx X. Xxxxxx	Date:	7/1/10
	Xxxxx X. Xxxxxx
	Second Vice President & Actuary

[page break]


SWISS RE LIFE & HEALTH AMERICA INC.

By:	/s/ Xxxxxxx Xxxxxx	Date:	6/28/10

Print name:	Xxxxxxx Xxxxxx

Title:	VP

SWISS RE LIFE & HEALTH AMERICA INC.

By:	/s/ Xxxx Xxxxxxx	Date:	6/28/10

Print name:	Xxxx Xxxxxxx

Title:	VP

[page break]

SCHEDULE K: RATE ADJUSTMENT MECHANISM

AMENDMENT to the

AUTOMATIC AND FACULTATIVE YRT AGREEMENT

between

MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY,

MML BAY STATE LIFE INSURANCE COMPANY, and

C.M. LIFE INSURANCE COMPANY

(hereinafter the “Ceding Company”)

and

SWISS RE LIFE & HEALTH AMERICA INC.

(hereinafter the “Reinsurer”)

Original Treaty Effective Date: April 1, 2005

Coverage: Strategic Edge Group Universal Life (GUL) with or without the variable rider (GVUL)

This Amendment is effective July 1, 2008.

Part I:

For new policies issued on or after July 1, 2008, the Amendment effective date, the Ceding Company and the Reinsurer agree to replace Article X – Retention Increases & Recapture of the above-referenced Agreement in its entirety with the attached Article X – Retention Increases & Recapture .

Part II:

For new policies issued on or after July 1, 2008, the Amendment effective date, the Ceding Company and the Reinsurer agree to replace Schedule A – Accepted Coverages of the above-referenced Agreement in its entirety with the attached Schedule A – Accepted Coverages .

Part III:

For new policies issued on or after July 1, 2008, the Amendment effective date, the Ceding Company and the Reinsurer agree to replace Schedule B – Reinsurance Limits of the above-referenced Agreement in its entirety with the attached Schedule B – Reinsurance Limits .

Part IV:

For new policies issued on or after July 1, 2008, the Amendment effective date, the Ceding Company and the Reinsurer agree to replace Schedule J – MassMutual GVUL Reinsurance Example of the above-referenced Agreement in its entirety with the attached Schedule J – MassMutual GVUL Reinsurance Example .

All terms and conditions of this Agreement not in conflict with the terms and conditions of this Amendment shall continue unchanged.

IN WITNESS WHEREOF, this Amendment is hereby executed in good faith by both parties:


MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY

By:	/s/ Xxxxx X. Xxxxxx	Date:	5/3/10
	Xxxxx X. Xxxxxx
	Second Vice President & Actuary

MML BAY STATE LIFE INSURANCE COMPANY

By:	/s/ Xxxxx X. Xxxxxx	Date:	5/3/10
	Xxxxx X. Xxxxxx
	Second Vice President & Actuary

C.M. LIFE INSURANCE COMPANY

By:	/s/ Xxxxx X. Xxxxxx	Date:	5/3/10
	Xxxxx X. Xxxxxx
	Second Vice President & Actuary

SWISS RE LIFE & HEALTH AMERICA INC.

By:	/s/ Xxxxx X’Xxxxxxxx	Date:	4/21/10

Print name:	Xxxxx X’Xxxxxxxx

Title:	Senior VP

SWISS RE LIFE & HEALTH AMERICA INC.

By:	/s/ Xxxxxx Xxxxxx	Date:	4/21/10

Print name:	Xxxxxx Xxxxxx

Title:	Sr. VP

[page break]

ARTICLE X: RETENTION INCREASES & RECAPTURE

A.	Retention Limit Changes

If the Ceding Company changes its maximum retention limits as applied to all or substantially all of the Company’s life insurance products then in force, it will provide the Reinsurer with written notice of the new maximum retention limits and the effective date.

B.	The Ceding Company may apply the new limits of retention to existing reinsurance and change its Participation Percentage on reinsurance in force in accordance with the following rules and according to the provision in SCHEDULE B: REINSURANCE LIMITS.

Ceding Company’s Participation Percentage .

The Ceding Company’s initial Participation Percentage in either situation described in section (1) will be adjusted based on SCHEDULE I: RULES FOR DETERMINING QSP’s FOR GVUL, and SCHEDULE J: MASSMUTUAL GVUL REINSURANCE EXAMPLE.

The change in Participation Percentage will become effective on the policy anniversary date.

The new Participation Percentage must apply to all business for a given client reinsured under this Agreement to the extent that their concentration maximum at one location has not been breached.

Recapture

[page break]

ARTICLE X: RETENTION INCREASES & RECAPTURE

(Continued)

[page break]

SCHEDULE A: ACCEPTED COVERAGES

Issuing Companies: Policies issued by the MML Bay State Life Insurance Company of Enfield, Connecticut, C.M. Life Insurance Company of Enfield, Connecticut, or Massachusetts Mutual Life Insurance Company of Springfield, Massachusetts, may be reinsured under this Agreement.

Type of Business: .

Plans of Insurance: .

Eligible Policies: .

Recapture: .

Lead Underwriting Reinsurer: .

Duties and function of the Lead Underwriting Reinsurer:

In the circumstance that an individual case deviation from the guidelines in the underwriting manual occurs, the Lead Underwriting Reinsurer’s approval is the deciding factor in determining the acceptance of each deviation, and the Reinsurer in this Agreement must follow the Lead Underwriting Reinsurer’s decision.

In the circumstance that the underwriting manual is modified, either in whole or in part, any such modification will be reviewed with and approved by the Reinsurer of this Agreement and all pool members. The Reinsurer may accept the modification by an amendment to this Agreement.

[page break]

SCHEDULE B: REINSURANCE LIMITS

Basis of Reinsurance: Ceding Company’s Participation Percentage . Reinsurer’s percentage share , and the hierarchy as described in Schedule J: MassMutual GVUL Reinsurance Example. The actual calculation of the Reinsurer’s Participation Percentage is based on the explanation in Schedule I: Rules for Determining QSP’s in GVUL, and Schedule J: MassMutual GVUL Reinsurance Example. . In Schedule J: Massmutual GVUL Reinsurance Example, .

For purposes of this Agreement, .

Concentration limit: as used in the agreement, the maximum amount of available capacity at one location.

Ceding Company’s Retention at one location: .

Issue Ages:


Underwriting type		Issue Ages

[table deleted]

[page break]

SCHEDULE J: MASSMUTUAL GVUL REINSURANCE EXAMPLE


Reinsurer	Concentration Limit*	Quota Share Percentage	Threshold	Pecking Order (Low to High)
A
B
C
D
E
MM

*	The Concentration limit is the maximum amount available at one location. It so happens, for purposes of this example, that the maximum amount at one location is the same as the minimum amount at one location which is used in the calculation of the threshold amount.

Footnotes:

Concentration limits are based on the stated limits in the respective treaties.

Customized QSP will be used at all other locations for that case where reinsurer is willing to accept risk.

Once all of the reinsurers reach their established limits, then the Ceding Company will retain any risk left over.

has a limit on the amount ceded per life; therefore, its concentration limit for a location can vary by case.

[page break]

SCHEDULE J: MASSMUTUAL GVUL REINSURANCE EXAMPLE

(Continued)

Ceded Amount (Applying Fixed QSP)

Max Risk
in 1 Location

Total

Shortfall

[table deleted]

[page break]

SCHEDULE J: MASSMUTUAL GVUL REINSURANCE EXAMPLE

(Continued)

Ceded Amount To Eliminate Shortfall - Based on Pecking Order

Max Risk
in 1 Location

Total

Shortfall

[table deleted]

[page break]

SCHEDULE J: MASSMUTUAL GVUL REINSURANCE EXAMPLE

(Continued)

Customized QSP

Max Risk
in 1 Location

Total

[table deleted]

AMENDMENT to the

AUTOMATIC AND FACULTATIVE YRT AGREEMENT

between

MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY,

MML BAY STATE LIFE INSURANCE COMPANY, and

C.M. LIFE INSURANCE COMPANY

(hereinafter the “Ceding Company”)

and

SWISS RE LIFE & HEALTH AMERICA INC.

(hereinafter the “Reinsurer”)

Original Treaty Effective Date: April 1, 2005

Coverage: Strategic Edge Group Universal Life (GUL) with or without the variable rider (GVUL)

Effective April 1, 2009, the Amendment effective date, the quota share percentages for coverages in Exhibit I: Reinsurer’s are hereby frozen at this level indefinitely. These percentages are applied for the policy periods noted in Exhibit I: Reinsurer’s only.

All terms and conditions of this Agreement not in conflict with the terms and conditions of this Amendment shall continue unchanged.

IN WITNESS WHEREOF, this Amendment is hereby executed in good faith by both parties:


MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY

By:	/s/ Xxxxx X. Xxxxxx	Date:	5/3/10
	Xxxxx X. Xxxxxx
	Second Vice President & Actuary

MML BAY STATE LIFE INSURANCE COMPANY

By:	/s/ Xxxxx X. Xxxxxx	Date:	5/3/10
	Xxxxx X. Xxxxxx
	Second Vice President & Actuary

C.M. LIFE INSURANCE COMPANY

By:	/s/ Xxxxx X. Xxxxxx	Date:	5/3/10
	Xxxxx X. Xxxxxx
	Second Vice President & Actuary

[page break]


SWISS RE LIFE & HEALTH AMERICA INC.

By:	/s/ Senan O’Loughlin_	Date:	4/21/10

Print name:	Xxxxx X’Xxxxxxxx

Title:	Senior VP

SWISS RE LIFE & HEALTH AMERICA INC.

By:	/s/ Xxxxxx Xxxxxx	Date:	4/21/10

Print name:	Xxxxxx Xxxxxx

Title:	Sr VP

[page break]

EXHIBIT I: Reinsurer’s

All Business 4/1/05 and later

Group/ Location

Policy Period

Ceding Company

Retention Percentage

Ages 0-65 ; Ages 66+

Reinsurer

Percentage NAR

At this/each location

Cession Code

[table deleted]

Other previously added to this Agreement but not mentioned herein continue unchanged from prior amendments.

Other new business percentages previously added to this Agreement but not mentioned herein continue unchanged from prior amendments.

AMENDMENT to the

AUTOMATIC AND FACULTATIVE YRT AGREEMENT

between

MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY,

MML BAY STATE LIFE INSURANCE COMPANY, and

C.M. LIFE INSURANCE COMPANY

(hereinafter the “Ceding Company”)

and

SWISS RE LIFE & HEALTH AMERICA INC.

(hereinafter the “Reinsurer”)

Original Treaty Effective Date: April 1, 2005

Coverage: Strategic Edge Group Universal Life (GUL) with or without the variable rider (GVUL)

This Amendment is effective beginning January 1, 2010. There are two reasons for this Amendment. The first purpose of the Amendment is to change one section of the GVUL Underwriting Guidelines and remove another section. The second purpose of the Amendment is to replace Schedule B.

I: The following revisions to the GVUL Underwriting Guidelines are hereby applied to the above-referenced Agreement.

[page break]

II: The Ceding Company and the Reinsurer agree to replace Schedule B – Reinsurance Limits of the above-referenced Agreement in its entirety with the attached (on page 4) Schedule B – Reinsurance Limits .

All terms and conditions of this Agreement not in conflict with the terms and conditions of this Amendment shall continue unchanged.

IN WITNESS WHEREOF, this Amendment is hereby executed in good faith by both parties:


MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY

By:	/s/ Xxxxx X. Xxxxxx	Date:	7/28/10
	Xxxxx X. Xxxxxx
	Second Vice President & Actuary

MML BAY STATE LIFE INSURANCE COMPANY

By:	/s/ Xxxxx X. Xxxxxx	Date:	7/28/10
	Xxxxx X. Xxxxxx
	Second Vice President & Actuary

C.M. LIFE INSURANCE COMPANY

By:	/s/ Xxxxx X. Xxxxxx	Date:	7/28/10
	Xxxxx X. Xxxxxx
	Second Vice President & Actuary


SWISS RE LIFE & HEALTH AMERICA INC.

By:	/s/ Xxxxx X’Xxxxxxxx	Date:	7/27/10

Print name:	Xxxxx X’Xxxxxxxx

Title:	Senior Vice President

[page break]


SWISS RE LIFE & HEALTH AMERICA INC.

By:	/s/ Xxxxxx Xxxxxx	Date:	7/27/10

Print name:	Xxxxxx Xxxxxx

Title:	Senior Vice President

[page break]

SCHEDULE B: REINSURANCE LIMITS

Basis of Reinsurance: .

Reinsurer’s Share: Reinsurer’s percentage share , and the hierarchy as described in Schedule J: MassMutual GVUL Reinsurance Example. The actual calculation of the Reinsurer’s Participation Percentage is based on the explanation in Schedule I: Rules for Determining QSP’s in GVUL, and Schedule J: MassMutual GVUL Reinsurance Example. . In Schedule J: Massmutual GVUL Reinsurance Example, ______.

For purposes of this Agreement, .

Concentration limit: as used in the agreement, the maximum amount of available capacity at one location.

Ceding Company’s Retention at one location: .

Issue Ages: .

AMENDMENT to the

AUTOMATIC AND FACULTATIVE YRT AGREEMENT

between

MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY,

MML BAY STATE LIFE INSURANCE COMPANY, and

C.M. LIFE INSURANCE COMPANY

(hereinafter the “Ceding Company”)

and

SWISS RE LIFE & HEALTH AMERICA INC.

(hereinafter the “Reinsurer”)

Original Treaty Effective Date: April 1, 2005

Coverage: Strategic Edge Group Universal Life (GUL) with or without the variable rider (GVUL)

For new policies issued on or after January 1, 2010, the Amendment effective date, the attached GVUL Underwriting Guidelines will be applied to the above-referenced Agreement for applicable business as stated in these same GVUL Underwriting Guidelines.

All terms and conditions of this Agreement not in conflict with the terms and conditions of this Amendment shall continue unchanged.

IN WITNESS WHEREOF, this Amendment is hereby executed in good faith by both parties:

MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY


By:	/s/ Xxxxx X. Xxxxxx	Date:	5/3/10
	Xxxxx X. Xxxxxx
	Second Vice President & Actuary
MML BAY STATE LIFE INSURANCE COMPANY

By:	/s/ Xxxxx X. Xxxxxx	Date:	5/3/10
	Xxxxx X. Xxxxxx
	Second Vice President & Actuary

C.M. LIFE INSURANCE COMPANY		Date:	5/3/10

By:	/s/ Xxxxx X. Xxxxxx
	Xxxxx X. Xxxxxx
	Second Vice President & Actuary

[page break]


SWISS RE LIFE & HEALTH AMERICA INC.

By:	/s/ Xxxxx X’Xxxxxxxx	Date:	4/21/10
Print name:	Xxxxx X’Xxxxxxxx
Title:	Senior Vice President

SWISS RE LIFE & HEALTH AMERICA INC.

By:	/s/ Xxxxxx Xxxxxx	Date:	4/21/10
Print name:	Xxxxxx Xxxxxx
Title:	Sr VP

[page break]

SCHEDULE F: GVUL UNDERWRITING GUIDELINES

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AMENDMENT to the AUTOMATIC AND FACULTATIVE YRT AGREEMENT between MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY, MML BAY STATE LIFE INSURANCE COMPANY, and C.M. LIFE INSURANCE COMPANY (hereinafter the “Ceding Company”) and SWISS RE LIFE & HEALTH AMERICA...

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