The Living Well Rider provides eligible policyowners with access to the following at no additional cost:

• The Galleri^® multi-cancer early detection test by GRAIL
• Genetic risk assessment for common diseases through Genomics
• Everyday mental health support through Wysa Assure

These wellness benefits address leading causes of insured-life claims, such as cancer and cardiovascular disease.¹

“The Living Well Rider reflects MassMutual’s continued investment in integrating wellness into our core product offerings, helping policyowners take a more proactive approach to their health,” said Liz Forget, Head of Product at MassMutual. “By embedding these wellness benefits into a whole life insurance policy, we are delivering value that extends beyond traditional protection, helping policyowners focus on their longevity and quality of life.”

How Early Detection Changed One Policyowner’s Life

In June 2024, MassMutual policyowner Darla was offered the Galleri^® multi-cancer early detection test, developed by GRAIL, as part of MassMutual’s Wellness program. The test identified a cancer signal before symptoms appeared—prompting swift medical follow-up and a path toward recovery. The experience empowered Darla to take control of her health and focus on what matters most.

Darla said, “If it weren’t for the Galleri test offered through MassMutual, I might not be here telling this story today. That early detection made all the difference.”

You can learn more about Darla’s full story here.

A Growing Demand for Integrated Health and Financial Protection

The launch of the Living Well Rider builds on insights from MassMutual’s 2025 Health & Wealth Report, which found that Americans increasingly recognize the connection between health and financial wellness – yet many face barriers to prioritizing both. The survey revealed that most Americans believe focusing on their health supports better financial decision‑making, but financial pressures often force difficult tradeoffs.

At the same time, interest in integrated wellness offerings is growing. According to the survey, nearly two-thirds of consumers say health and wellness benefits would influence their choice of financial services provider, and more than eight in 10 say they would be likely to choose a product that includes these benefits at no additional cost.

“This benefit is being introduced as part of MassMutual’s Wellness program, which helps people look beyond their financial health and support their total well-being,” Sears Merritt, Head of Enterprise Technology and Experience added. “By expanding access to these wellness offerings, we’re reinforcing our commitment to innovation, holistic protection, and long-term value – supporting policyowners in living healthier, happier, and longer lives.”

Participation in these wellness benefits is voluntary. Results do not impact policyowners’ current policies or premiums. Additionally, MassMutual only receives high-level, anonymized data from these offerings. Eligibility is based on factors including age, geography, and type of individual MassMutual policy.

For more information about MassMutual’s Living Well Rider, visit www.massmutual.com/wellness.

¹ Munich Re Life US. (2024). Observations by cause of death in insured lives. Retrieved from https://www.munichre.com/us-life​ and LIMRA & Society of Actuaries. (2023). Cause of death analysis for individual life insurance. Retrieved from https://www.limra.com

About MassMutual (Massachusetts Mutual Life Insurance Company)

For 175 years, MassMutual has stood beside generations through life’s defining moments, guided by a clear, enduring purpose: We help people secure their future and protect the ones they love. What began in 1851 as a bold idea rooted in neighbors helping neighbors has grown into one of America’s largest mutual life insurance companies, serving more than four million customers¹ with over $1 trillion in life insurance in force¹ and $584 billion in assets under management, ² all built on a foundation of more than $34 billion in capital strength. ³

MassMutual offers a broad range of products and services across protection, accumulation, wealth management, and retirement income, including annuities through our leading annuity provider, MassMutual Ascend. These solutions reach people through our expansive distribution, which is anchored by our dedicated network of affiliated financial professionals. For nearly two centuries, our offerings have helped people build, protect, and pass on what means the most to them. Through eras of extraordinary change, we have honored our commitments, paying upwards of $70 billion in insurance and annuity benefits over the past decade. ⁴

MassMutual is strengthened by a diversified portfolio of strategic businesses and investments – including Barings, our global alternative asset management subsidiary – which enables us to deliver greater long-term value to our policyowners. MassMutual has a longstanding, successful approach to bringing together deep life insurance expertise and advanced asset management capabilities, which put us at the forefront of this trend and helped pioneer growth beyond traditional industry boundaries. Through Barings, we have robust asset origination capabilities that have helped us achieve exceptional long-term performance for our policyowners.

Through it all, our scale provides strength; our mutuality provides alignment; and our purpose ensures we do not lose sight of who we serve. To learn more, visit massmutual.com.

¹ As of December 31, 2025

² Assets Under Management (AUM) include assets and certain external investment funds managed by MassMutual subsidiaries, including Barings and MassMutual Ascend, as of December 31, 2025

³ Capital strength refers to the company’s Total Adjusted Capital, as of December 31, 2025, as reported in statutory filings. Please refer to MassMutual’s Annual Report, https://www.massmutual.com/global/media/shared/doc/financial-documents/annual-reports/2025_annual_report.pdf

⁴ 2016-2025