AUTOMATIC YRT AGREEMENT between MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY (hereinafter called the “Ceding Company”) and ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA (hereinafter called the “Reinsurer”) Effective Date: May 1, 2001 Variable...

Exhibit 26 (g) iii.

AUTOMATIC YRT AGREEMENT

between

MML BAY STATE LIFE INSURANCE COMPANY,

C.M. LIFE INSURANCE COMPANY, and

MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY

(hereinafter called the “Ceding Company”)

and

ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA

(hereinafter called the “Reinsurer”)

Effective Date: May 1, 2001

Variable Universal Life II

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Automatic YRT Agreement


Ceding Company:		MML Bay State Life Insurance Company
		of Hartford, Connecticut

		C.M. Life Insurance Company of Hartford, Connecticut, and

		Massachusetts Mutual Life Insurance Company of Springfield, Massachusetts

Reinsurer:		Allianz Life Insurance Company of North America of Minneapolis, Minnesota

Accepted Coverages:		Life insurance on policies written by the Ceding Company on the plans cited in Schedule A – Accepted Coverages.

Effective Date: May 1, 2001

This Agreement represents the entire contract between the Ceding Company and the Reinsurer and supersedes, with respect to its subject, any prior oral or written agreements.

Commencing on the Effective Date, the Reinsurer shall provide reinsurance coverage to the Ceding Company subject to the provisions of this Agreement on the basis stated hereinafter in the attached Articles and Schedules. These Articles and Schedules, or parts thereof may be changed or modified upon written agreement between the Ceding Company and the Reinsurer.

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Automatic YRT Agreement

Effective Date: May 1, 2001

In witness whereof, this Agreement is hereby executed in good faith by both parties in duplicate:

Signed for MML Bay State Life Insurance Company of Hartford, Connecticut, referred to as the Ceding Company in the Agreement.


By:	/s/ Yek ▇▇▇▇ ▇▇▇▇▇	Witness:	/s/ ▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇▇
	Yek ▇▇▇▇ ▇. ▇▇▇▇▇		▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇, JD, CLU, ChFC
	Vice President & Actuary		Director of Reinsurance

Date:	5/11/01	Date:	5/11/01

Signed for C.M. Life Insurance Company of Hartford, Connecticut, referred to as the Ceding Company in the Agreement.


By:	/s/ Yek ▇▇▇▇ ▇▇▇▇▇	Witness:	/s/ ▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇▇
	Yek ▇▇▇▇ ▇. ▇▇▇▇▇		▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇, JD, CLU, ChFC
	Vice President & Actuary		Director of Reinsurance

Date:	5/11/01	Date:	5/11/01

Signed for Massachusetts Mutual Life Insurance Company of Springfield, Massachusetts, referred to as the Ceding Company in the Agreement.


By:	/s/ ▇▇▇▇▇ ▇. ▇▇▇▇▇▇	Witness:	/s/ ▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇▇
	▇▇▇▇▇ ▇. ▇▇▇▇▇▇		▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇, JD, CLU, ChFC
	Vice President & Actuary		Director of Reinsurance

Date:	5/10/01	Date:	5/10/01

Signed for Allianz Life Insurance Company of North America of Minneapolis, Minnesota, referred to as the Reinsurer in the Agreement.


By:	/s/ (signature not legible	Witness:	/s/ (signature not legible

Title:	Vice President	Title:	Sr. VP & Secretary

Date:	4/30/01	Date:	4/30/01

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Automatic YRT Agreement

Effective Date: May 1, 2001

Table of Contents


Article	Title	Page

I	Automatic and Facultative Reinsurance		1
II	Facultative Submission		3
III	Basis of Reinsurance		4
IV	Premiums, Payments and Reports		5
V	Expenses		7
VI	Premium Taxes		8
VII	DAC Tax Election		9
VIII	Experience Refunds		10
IX	Policy Changes		11
X	Increase in ▇▇▇▇▇▇▇▇▇		▇▇
▇▇	▇▇▇▇▇▇▇▇▇▇▇ of Agreement with Respect to New Reinsurance		14
XII	Claims		15
XIII	Inspection of Records		17
XIV	Errors and Omissions		18
XV	Insolvency		19
XVI	Waivers and Amendments		20


Article	Title	Page
XVII	Severability		21
XVIII	Notice		22
XIX	Arbitration		23
XX	Governing Law		24
XXI	Headings		25
XXII	Parties to Agreement		26
XXIII	Agreement		27

Schedule	Title	Page

A	Accepted Coverages		28
B	Reinsurance Limits		29
C	Facultative Submission Form		30
D	Special Net Risk Calculations		31
E	Reinsurance Premium Rates		32
F	Reinsurance Reports		39
G	Underwriting Guidelines		41
H	DAC Tax Schedule		43
I	Retention Limits		44

Article I

Automatic and Facultative Reinsurance

A.	The Ceding Company shall automatically cede to the Reinsurer reinsurance of that portion of individual life policies and supplemental benefits as specified in Schedule A – Accepted Coverages, and the Reinsurer shall automatically accept such reinsurance that meet the following requirements:

The individual risk must be underwritten by the Ceding Company in accordance with its standard underwriting practices and guidelines. A copy of the Ceding Company’s current underwriting guidelines is attached as Schedule G – Underwriting Guidelines. Risks falling into any other special reinsurance or underwriting programs such as Facultative Shopping or Automatic Reinsurance Cession (ARC) will be excluded from this Agreement.

The mortality rating on each individual risk must not exceed 500% (Table 16 or P), or its equivalent on a flat extra premium basis.

The maximum amount of insurance issued and applied for in all companies on each risk must not exceed the Jumbo Limit as specified in Schedule B – Reinsurance Limits.

On each individual life, the Ceding Company shall retain the amounts of insurance as specified in Schedule B – Reinsurance Limits.

The maximum amounts of insurance to be automatically reinsured on a life must not exceed the reinsurance limits specified in Schedule B – Reinsurance Limits.

B.	Reinsurance which may not be ceded automatically according to the provisions stated in Paragraph A of this Article, may be submitted to the Reinsurer for facultative consideration as described in Article II – Facultative Submission.

The liability of the Reinsurer for automatically ceded reinsurance shall commence simultaneously with that of the Ceding Company. The liability of the Reinsurer for reinsurance ceded automatically shall terminate simultaneously with that of the Ceding Company’s liability or as specified in accordance with the provisions of Article III – Basis of Reinsurance.

D.	The risk shall not have been submitted on a facultative basis by the Ceding Company to the Reinsurer or other reinsurers within the last .

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Article I

Automatic and Facultative Reinsurance

(continued)

The Reinsurer shall not be liable for benefits paid under the Ceding Company’s conditional receipt or temporary insurance agreement unless all the conditions for automatic reinsurance coverage are met. The pre-issue liability applies only once on any given life no matter how many receipts were issued or initial premiums were accepted by the Ceding Company. After a policy is issued, no reinsurance benefits are payable under this pre-issue coverage provision. The Reinsurer’s liability under the Ceding Company’s conditional receipt or temporary insurance agreement is limited to the lesser of i. or ii. below:

The Automatic Binding Limits in Schedule B – Reinsurance Limits.

ii.

The amount for which the Ceding Company is liable less its retention, less any amount of reinsurance with other reinsurers.

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Article II

Facultative Submission

The Ceding Company may submit, on a facultative basis, life insurance risks for plans and eligible policies as set forth in Schedule A – Accepted Coverages, if the requirements for automatic reinsurance are not met, or if the requirements for automatic reinsurance are met but it prefers to apply for facultative reinsurance.

A facultative application shall be made that is in substantial accord with Schedule C – Facultative Submission Form, and shall be accompanied by copies of all the Ceding Company’s pertinent papers relating to the insurability of the risk. The Reinsurer shall give immediate consideration to a facultative application and notify the Ceding Company as soon as possible in writing (via mail, fax, or e-mail) of its underwriting offers.

The Reinsurer shall have no liability on a facultative submission by the Ceding Company until an offer to reinsure has been made by the Reinsurer and accepted in writing (via mail, fax, or e-mail) by the Ceding Company. The Reinsurer’s offer shall expire at the end of from the date of the Reinsurer’s offer unless an earlier date is specified in the offer, or the date specified in the Reinsurer’s approval to extend their offer, or the date the Reinsurer receives notice from the Ceding Company of the withdrawal of their application, whichever comes first.

D.	The liability of the Reinsurer for reinsurance ceded facultatively shall terminate simultaneously with that of the Ceding Company’s liability or as specified in accordance with the provisions of Article III – Basis of Reinsurance.

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Article III

Basis of Reinsurance

A.	Life insurance shall be reinsured on a under the policy reinsured.

B.	For the purpose of this Agreement, except as noted below, the net amount at risk shall be calculated as .

The amount at risk may be determined using actual cash values, account values, tabular values, or by other methods agreeable to the Ceding Company and the Reinsurer. Schedule D – Special Net Risk Calculations defines special methods for calculating the net amount at risk different from B of this Article.

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Article IV

Premiums, Payments and Reports

Reinsurance premiums shall be paid annually in advance on a policy year basis for each reinsured policy. Such payment for policies with anniversaries in any calendar month shall accompany the monthly statement as provided in this Article. Premiums shall be calculated by applying the premium rates per thousand to the net amount at risk as described in Article III – Basis of Reinsurance. The premium rates per thousand are those specified in Schedule E – Reinsurance Premium Rates. The rates in Schedule E – Reinsurance Premium Rates, shall apply to both automatic and facultative reinsurance.

At the end of each reporting period the Ceding Company shall prepare and send to the Reinsurer a statement, in substantial accord with Schedule F – Reinsurance Reports, reporting reinsurance premiums due on each new risk and for renewals of policies whose anniversary date falls within the reporting period. Any premium adjustments and refunds due because of terminations, reinstatements, reissues and other changes during the reporting period shall also be listed. The reporting period is stated in Schedule F – Reinsurance Reports. New reinsurance shall be reported on the report next following the time that the reinsured policy has been reported as delivered and paid for.

The statement shall be furnished to the Reinsurer within after the end of each reporting period and shall be accompanied by payment of any net amount due the Reinsurer as shown on the statement. If any reinsurance premium is not paid within the allotted time, the Reinsurer has the right to terminate its liability on the reinsurance risks on the statement by giving written notice to the Ceding Company. At the close of the period following the notice, the Reinsurer’s liability shall terminate for the aforementioned risks. Regardless of these terminations, the Ceding Company shall be liable to the Reinsurer for all unpaid reinsurance premiums earned by them.

Terminated risks may be reinstated within after the effective date of termination by paying in full all of the unpaid reinsurance premiums for the risks inforce prior to the termination. The Reinsurer shall not be liable for any claim incurred between the date of termination and reinstatement. The effective date of reinstatement shall be the date on which the Reinsurer receives all required back premiums.

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Article IV

Premiums, Payments and Reports

(continued)

F.	Late payments shall be subject to a reasonable late payment charge to be determined by the Reinsurer.

G.	The Ceding Company or the Reinsurer may exercise at any time the right to offset any debts or credits, liquidated or unliquidated, whether on account of premiums or otherwise, due from either party and their affiliates to the other under this Agreement.

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Article V

Expenses

The Ceding Company shall pay the expenses of all medical examinations, inspection fees, and other charges incurred in connection with the issuance of the insurance.

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Article VI

Premium Taxes

The Reinsurer shall not reimburse the Ceding Company for any premium taxes.

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Article VII

DAC Tax Election

The Ceding Company and the Reinsurer make an election pursuant to Treasury Regulation Section 1.848-2 (g) (8) of the Income Tax Regulations issued December, 1992, under Section 848 of the Internal Revenue Code of 1986, as amended, and agree to the terms stipulated in Schedule H – DAC Tax Schedule.

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Article VIII

Experience Refunds

Reinsurance under this agreement shall not be eligible for an experience refund.

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Article IX

Policy Changes

A.	The Ceding Company shall notify the Reinsurer of all policy terminations and changes that affect the reinsurance. Unearned reinsurance premiums on such terminations or changes shall be refunded.

B.	If any portion of the Ceding Company’s insurance risk is terminated, the reinsurance shall be reduced by a proportionate amount. If there are other reinsurers, each one shall share in the reduction according to its proportion of the total reinsurance.

C.	If a policy reinsured under this Agreement lapses to extended term or paid-up insurance, the Reinsurer shall share in an adjustment in the amount of reinsurance on the policy in the same proportion as the reinsurance amount had to the insurance amount immediately prior to the policy lapsing.

If a portion of the insurance issued by the Ceding Company on a life reinsured hereunder is terminated, reinsurance on that life hereunder shall be reduced so as to restore, as far as possible, the retention level of the Ceding Company on the risk, provided, however, that the Ceding Company shall not assume on any policy being adjusted as provided in this Article an amount of insurance in excess of the greater of (1) its retention limit at the time of issue of that policy, and (2) the retention limit of that policy as already adjusted by the provisions of Article X – Increase in Retention. The reduction in reinsurance shall first be applied to the reinsurance, if any, of the specific policy under which insurance terminated. The reinsurance of the Reinsurer shall be reduced by an amount which is in the same proportion of the amount of reduction so applied as the reinsurance of the Reinsurer bore to the total reinsurance of the policy. The balance, if any, of the reduction shall be applied to reinsurance of other policies on the life, the further reduction, if any, in the reinsurance of the Reinsurer again being determined on a proportional basis and shall be applied to policies in chronological order according to original policy dates.

E.	Reinsurance will be placed and remain in effect where the net amount at risk is at least $1, rounded to the nearest dollar.

Reinsurance shall be reinstated automatically if the original insurance is reinstated according to the policy provisions and rules of the Ceding Company. The Ceding Company shall pay all back reinsurance premiums to the Reinsurer in the same manner as it received reinsurance premiums under the reinstated policy.

Article IX

Policy Changes

(continued)

G.	Unearned reinsurance premiums on terminations or changes shall be refunded to the Ceding Company. The premium payable to the Reinsurer or premium refunds due to the Ceding Company shall be based on the exact number of days of effective insurance coverage upon termination or other change.

If the policy continues inforce without payment of premium during any days of grace pending its surrender, whether such continuance be as a result of a policy provision or a practice of the Ceding Company, the reinsurance will also continue without payment of premium and will terminate on the same date as the Ceding Company’s risk terminates.

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Article X

Increase in Retention

The Ceding Company may increase its limit of retention and may elect, subject to the provisions of this Article, to continue the reinsurance inforce under this Agreement without change, or to reduce all eligible reinsurance inforce under this Agreement as set forth below. The increased limit of retention shall be effective with respect to reinsurance which is placed in effect on or after the effective date of the increase subsequent to the Ceding Company providing written notice to the Reinsurer of such increase and of its election to either continue or reduce reinsurance on inforce business.

No business will be eligible for reduction under this Article unless the Ceding Company kept its maximum retention as set forth in the retention schedule in effect at the time the insurance was issued. The amounts recaptured shall be sufficient to increase the Ceding Company’s retention to the new limits. If there are other reinsurers, the reduction on each risk shall be divided according to each reinsurer’s portion of the total reinsurance on the risk. If the reinsurance is reduced on any risk, similar reductions shall be made on all risks eligible for recapture. The effective date of the reduction in reinsurance on a policy eligible for such reduction shall be the latter of the first policy anniversary following the notice to recapture and the .

The retention limits of the Ceding Company as of the effective date of this Agreement are shown in Schedule I – Retention Limits.

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Article XI

Termination of Agreement with Respect to New Reinsurance

A.	This Agreement may be terminated with respect to new reinsurance by either party giving written notice to the other at least prior to the date such termination shall become effective, except as specified in Article IV – Premiums, Payments and Reports, and Article IX – Policy Changes.

B.	The termination shall become effective on the date specified in the written notice, but not less than after written notice is given.

C.	The Ceding Company shall continue to submit, and the Reinsurer shall continue to accept business under the provisions of this Agreement, during the period between the date of written notice and the effective date of termination.

D.	The provisions of this Agreement shall continue to apply after the effective date of termination to all reinsurance that is inforce under this Agreement on the effective date of termination.

E.	Either party may terminate this Agreement immediately for the acceptance of new reinsurance if the other party materially breaches this Agreement.

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Article XII

Claims

A.	If there is a claim for benefits on a reinsured risk, hereunder, the Ceding Company will send to the Reinsurer copies of the proofs of claim, and any other information the Ceding Company may possess pertinent to the claim that the Reinsurer may request.

The Reinsurer upon receipt of the claim papers shall make payment in settlement of the reinsurance under a claim approved and paid by the Ceding Company for a reinsured risk hereunder. The settlement made by the Ceding Company shall be unconditionally binding upon the Reinsurer whether or not the claim payment is made under the strict policy conditions or compromised for a lesser amount.

If a claim is contestable and any reinsurer’s share is greater than $500,000, the Reinsurer shall be consulted before admission or acknowledgement of the liability is made by the Ceding Company. However, such consultation shall not impair the Ceding Company’s freedom to determine the proper action on the claim and the settlement made by the Ceding Company shall still be unconditionally binding on the Reinsurer except that the Reinsurer may decline to be party to the contest, compromise, or litigation involved on a claim, in which case it shall pay the full amount of its share of the claim to the Ceding Company. In such case, the Reinsurer shall not share in any expense involved in such contest, compromise, or litigation, nor in any reduction in claim resulting therefrom.

The Reinsurer shall share in the expense of any contest or compromise of a claim in the same proportion that the net amount at risk reinsured with the Reinsurer bears to the total net amount at risk of the Ceding Company under all policies on that life being contested or compromised by the Ceding Company and shall share in the total amount of any reduction in liability in the same proportion. Routine expenses incurred in the normal settlement of uncontested claim, compensation of salaried officers and employees of the Ceding Company and any possible extra-contractual damages shall not be considered claim expenses.

Article XII

Claims

(continued)

In the event of an increase or reduction in the amount of the Ceding Company’s insurance on any policy reinsured hereunder because of a misstatement of age or sex being established after the death of the insured, the Ceding Company and the Reinsurer shall share in such increase or reduction in proportion to their respective amounts at risk under such policy.

The Reinsurer shall reimburse the Ceding Company for its proportionate share of any interest paid on claims by the Ceding Company for the period preceding the Reinsurer’s payment of its share of the claim. Interest shall be calculated from the date of death to the date of remittance to the beneficiary, or if the claim proceeds go under settlement option, from the date of death to the date of the Reinsurer’s remittance to the Ceding Company. Adjustment to reinsurance premiums in such case will be made without interest.

On claims paid by the Reinsurer if the period of time between when the Ceding Company pays the claim and the Reinsurer reimburses the Ceding Company exceeds the Ceding Company reserves the right to charge interest from the day the Ceding Company paid the claim to the day the Reinsurer reimburses the Ceding Company.

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Article XIII

Inspection of Records

Upon reasonable notice, and at all reasonable times, the Reinsurer and the Ceding Company each shall have the right to inspect and audit, at the offices of the other, all records and procedures relating to reinsurance under this Agreement.

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Article XIV

Errors and Omissions

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Article XV

Insolvency

In the event of insolvency of the Ceding Company, the Reinsurer’s liability for claims shall continue to be in accordance with the terms of this Agreement. Payment of reinsurance claims shall be made directly to the liquidator, receiver or statutory successor of the Ceding Company without diminution because of the insolvency of the Ceding Company.

In the event of insolvency of the Ceding Company, the liquidator, receiver or statutory successor shall give the Reinsurer written notice of any pending claim and the Reinsurer may, at its own expense, investigate the claim and interpose any defense which it deems available to the Ceding Company or its liquidator, receiver or statutory successor. If the Ceding Company benefits from the defense undertaken by the Reinsurer, an equitable share of the expenses incurred by the Reinsurer shall be chargeable to the Ceding Company as a part of the expense of liquidation.

C.	. For the purpose of this Agreement, the Reinsurer shall be considered insolvent when it:

Applies for or consents to the appointment of a receiver, trustee, or liquidator of its properties or assets; or

Makes an assignment for the benefit of its creditors; or

Is adjudicated as bankrupt or insolvent; or

Files or consents to the filing of a petition in bankruptcy, seeks reorganization or an arrangement with creditors, or takes advantage of any bankruptcy, dissolution, liquidation, or similar law or statute; or

Becomes the subject of an order to rehabilitate or to liquidate as defined by the insurance code of the jurisdiction of domicile of the Reinsurer.

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Article XVI

Waivers and Amendments

Any term or condition of this Agreement may be waived at any time by the party that is entitled to its benefit. Such a waiver must be in writing and must be executed by an executive officer of such party. A waiver on one occasion will not be deemed to be a waiver of the same or any other term or condition on a future occasion. The waiver of any party of any breach of any provision of this Agreement or the failure of either party at any time to enforce any right or remedy available to it under this Agreement, with respect to any breach or failure by the party, shall not be considered to be a waiver of such right or remedy with respect to any other prior, concurrent or subsequent breach or failure. This Agreement may be modified or amended only by a writing duly executed by the party to be bound.

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Article XVII

Severability

If any provision of this Agreement is held to be illegal, invalid or unenforceable under any present or future law or if determined by a court of competent jurisdiction to be unenforceable, and if the rights or obligations of the parties under this Agreement will not be materially and adversely affected thereby, such provision shall be fully severable, and this Agreement will be construed and enforced as if such illegal, invalid or unenforceable provision had never comprised a part of this Agreement, and the remaining provisions of this Agreement shall remain in full force and effect and will not be affected by illegal, invalid or unenforceable provisions or by its severance from this Agreement.

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Article XVIII

Notice

Any notice and other communications required or permitted to be given under this Agreement shall be in writing and shall be deemed to have been duly given when (i) mailed by United States registered or certified mail, return receipt requested, or mailed by overnight

express mail, (ii) sent by facsimile transmission, followed by confirmation mailed by first class mail or overnight express mail, or (iii) delivered in person to the parties at the following addresses:

If to the Ceding Company:

MML Bay State Life Insurance Company

▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇

▇▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇

Attention: Reinsurance Officer

C.M. Life Insurance Company

▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇

▇▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇

Attention: Reinsurance Officer

Massachusetts Mutual Life Insurance Company

▇▇▇▇ ▇▇▇▇▇ ▇▇▇▇▇▇

▇▇▇▇▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇

Attention: Reinsurance Officer

If to the Reinsurer:

Allianz Life Insurance Company of North America

▇▇▇▇ ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇

▇▇▇▇▇▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇-▇▇▇▇

Attention: Reinsurance Officer

Either party may change the names or addresses where notice is given by providing notice to the other party of such change in accordance with this Section.

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Article XIX

Arbitration

A.	To initiate arbitration, either party shall notify the other party by Certified Mail of its desire to arbitrate, stating the nature of the dispute and the remedy sought. The party to which the notice is sent shall respond to the notification in writing within of its receipt.

B.	Any interpretation of this Agreement shall be based on business practices and equity rather than strict law.

Disagreements between the Ceding Company and the Reinsurer shall be submitted to three arbitrators who must be officers of other life insurance companies. The Reinsurer and the Ceding Company shall each appoint one arbitrator and the third shall be selected by these two arbitrators. In the event that either contracting company should fail to choose an arbitrator within after the other contracting company has given notice of its arbitrator appointment, that contracting company may choose two arbitrators who shall, in turn, choose a third arbitrator before entering arbitration. .

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Article XX

Governing Law

This Agreement will be governed by and construed in accordance with the laws of Massachusetts.

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Article XXI

Headings

The headings to this Agreement have been inserted for convenience and do not constitute matter to be construed or interpreted in connection with this Agreement.

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Article XXII

Parties to Agreement

This Agreement is for indemnity reinsurance solely between the Ceding Company and the Reinsurer. The acceptance of reinsurance under this Agreement shall not create any right or legal relation whatever between the Reinsurer and the insured or any other party.

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Article XXIII

Agreement

This Agreement represents the entire contract between the Ceding Company and the Reinsurer and supersedes any prior oral or written agreements with respect to its subject.

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Schedule A - Accepted Coverages

Issuing Companies: Policies issued by the MML Bay State Life Insurance Company of Hartford, Connecticut, C.M. Life Insurance Company of Hartford, 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: .

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Schedule B - Reinsurance Limits

Basis of Reinsurance: The Reinsurer shall participate in a for eligible plans. The Reinsurer’s share . The Ceding Company will .

Jumbo Limit: .

Automatic Binding Limit: .

Automatic Issue Limit: .

Automatic Age Limit: Automatic coverage for issue ages .

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Schedule C - Facultative Submission Form


MassMutual		Application for
The Blue Chip Company		Facultative Reinsurance

Massachusetts Mutual Life Insurance Company

▇▇▇▇▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇-▇▇▇▇


To:


First Insured’s Name	Birthdate	Age	Assigned Number


Second Insured’s Name	Birthdate	Age	Assigned Number


	Life		MIB Codes to be Reported
Previous MassMutual insurance inforce

Inforce we retain with the parent or affiliate

New insurance now applied for


Of which we will retain				Is an application for reinsurance being submitted elsewhere? Yes
No


Reinsurance applied for				Insp required
				Yes No

The MIB pre-notification form has been given to this applicant and the proper authorization has been signed

UNDERWRITING DATA

Insured #1

Insured # 2

Insured #1

Insured # 2

Application

MVR

Non-Medical

Financial Report

Medical Exam

Cover Letter

ECG

APS

X-ray

APS

Lab Report

APS

Specimen

APS

Inspection

APS

2. Reason for Submission:

Amount

Health

Rating Review

3. Comments:



4. This transmission contains pages.


Signature & Title				Date


		Other

Schedule D - Special Net Risk Calculations

1.	For the plans that are level term for twenty (20) years or less, or reducing term plans for any period of years, the net amount at risk shall be .

2.	For the Ceding Company’s Universal Life type and Variable Life type plans, the net amount of risk (as appropriately calculated) shall be .

3.	For the Ceding Company’s Enhanced Whole Life plan, the face amount reinsured shall be .

4.	The methods of calculating the net amount at risk described above may not be appropriate under a given plan of insurance. In such cases, the net amount at risk will be a method that is mutually agreeable to both parties.

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Schedule E - Reinsurance Premium Rates

Premiums for Standard Risks (Currency – U.S. Dollars)

. The premium rates per thousand of reinsurance amount at risk shall be the following percentages times the attached MassMutual’s Modified 1975-80 Basic Table Extended to Age 110 for males and females, as appropriate

[table deleted]

The premium shall be the rate per thousand times the reinsurance net amount at risk.

Premium Rates for Table Rated Risks

For life insurance on a risk classified as substandard which is assigned a table rating, the reinsurance premium rates per thousand shall be the premium rates specified above in Premiums for Standard Risks increased by 25% per table. (For example, the premium rate for a Table 4, or D, risk would be 200% of the standard premium rate).

Premium Rates for Risks with Flat Extras

For a risk assigned a flat extra premium, the reinsurance premium rates per thousand shall be the premium rates specified above in Premiums for Standard Risks increased by the following percentages of the flat extra premiums applicable to the initial face amount reinsured:

(1)

if the extra premium is payable for more than five (5) years;

(2)

if the extra premium is payable for five (5) years or less.

Policy Fees:

No policy fees shall be paid under this Agreement.

[page break]

MassMutual’s Modified 1975-80 Basic Table Extended to Age 110

MALE

Issue Age 41 - 80, Policy Years 1-20

[table deleted]

[page break]

MassMutual’s Modified 1975-80 Basic Table Extended to Age 110

FEMALE

Issue Age 41 - 80, Policy Years 1-20

[table deleted]

[page break]

MassMutual’s Modified 1975-80 Basic Table Extended to Age 110

FEMALE

Issue Age 81 - 90, Policy Years 1-20

[table deleted]

Schedule F - Reinsurance Reports

Reinsurance shall be self-administered by the Ceding Company. The Ceding Company shall maintain up-to-date records on business under the Agreement for reporting new issues, renewals, deaths, lapses and other adjustments on each reinsured policy or rider and shall provide reports to the Reinsurer subsequent to the close of each reporting period. The reporting period shall be quarterly. The reports shall consist of sufficient detail for the Reinsurer to determine its amount of risk on reinsured policies and riders and to verify reinsurance premiums. Reports provided shall be the following:

Bordereau Detail Reports:

New business and change reports shall be provided to the Reinsurer on a bordereau basis and include the following items:


Policy Number		Joint Life Information
Name of the Insured		Policy Face Amount
Sex		Reinsurance Amount(s) Issued
Date of Birth		Retained Amount
Issue Age		Reinsurance Net Amount at Risk
Policy Date		Death Benefit Option
Policy Year		Reinsurance Premiums (First Year-End Renewal)
Policy Duration		Reinsurance Commission or Allowances
Transaction Type*		Policy Fee
Transaction Effective Date		Premium Taxes Reimbursed
Table Rating		Cash Values Reimbursed
Flat Extra Amount and Duration		Dividends Reimbursed
Plan Name or Code		Net Amount due the Reinsurer or the Ceding Company
Underwriting Classification

*	Transaction codes may be used to identify policy activity affecting reinsurance including new reinsurance issued, continuation of coverage, and policy movements or changes such as:


Not Takens		Decrease in Amount
Surrender		Cancellation of Reinsurance
Lapse		Recapture
Reinstatement		Death
Conversion		Expiration
Exchange		Other Changes
Increase in Amount

Separate listings shall be provided for new issues, renewals, terminations, and other adjustments.

[page break]

Schedule F - Reinsurance Reports

(continued)

Summary Reports

Summary reports shall be provided to the Reinsurer, which include appropriate subtotals and totals of premiums, commissions and allowances, and premium tax by reporting category and in total. Policy exhibit summaries shall also be provided to the Reinsurer showing the reinsured amounts at the beginning of the reporting period, any increases, decreases and terminations during the reporting period, and the reinsured amounts at the end of the reporting period.

Electronic Reporting

The Reinsurer may request receipt of reinsurance data from the Ceding Company via an electronic medium (magnetic tape, magnetic disk, or electronic data interchange) as shall be available to the Ceding Company. Monthly transaction data and quarterly inforce data is currently available on magnetic tape cartridges.


Note:		The detail and summary reports and the electronic forms will be in either the standard TAI Reinsurance format or a modified TAI Reinsurance format. These formats shall be made available to the Reinsurer. Any changes to the format shall be communicated to the Reinsurer.

[page break]

Schedule G - Underwriting Guidelines

[table deleted]

[page break]

Schedule G - Underwriting Guidelines

(continued)

[table deleted]

[page break]

Schedule H - DAC Tax Schedule

Treasury Regulation Section 1.848-2 (g) (8) Election. The Ceding Company and the Reinsurer hereby agree to the following pursuant to Treasury Regulation Section 1.848-2 (g) (8) of the Income Tax Regulations issued December, 1992, under Section 848 of the

Internal Revenue Code of 1986, as amended. This election shall be effective as of the execution date of the treaty and for all subsequent taxable years for which this Agreement remains in effect.

1.	The term “party” shall refer to either the Ceding Company or the Reinsurer as appropriate.

2.	The terms used in this Article are defined by reference to Treasury Regulation Section 1.848-2 in effect December 1992.

The party with the net positive consideration (or gross premiums and other considerations as applicable) for this Agreement for each taxable year shall capitalize specified policy acquisition expenses with respect to this Agreement without regard to the general deductions’ limitation of Section 848 (c) (2) of the Internal Revenue Code of 1986, as amended.

4.	Both parties agree to exchange information pertaining to the amount of net consideration under this Agreement each year to ensure consistency or as otherwise required by the Internal Revenue Service.

The Ceding Company shall submit a schedule to the Reinsurer by May 1 of each year of its calculation of the net consideration for the preceding calendar year. This schedule of calculations shall be accompanied by a statement signed by an officer of the Ceding Company stating that the Ceding Company shall report such net consideration in its tax return for the preceding calendar year.

The Reinsurer may contest such calculation by providing an alternative calculation to the Ceding Company in writing within thirty (30) days of the Reinsurer’s receipt of the Ceding Company’s calculation. If the Reinsurer does not so notify the Ceding Company, the Reinsurer shall report the net consideration as determined by the Ceding Company in the Reinsurer’s tax return for the previous calendar year.

If the Reinsurer contests the Ceding Company’s calculation of the net consideration, the parties shall act in good faith to reach an agreement as to the correct amount within thirty (30) days of the date the Reinsurer submits its alternative calculation. If the Ceding Company and the Reinsurer reach agreement on an amount of net consideration, each party shall report such amount in their respective tax returns for the previous calendar year.

8.	The parties shall list the Agreement on the DAC Tax Schedule of their Federal Income Tax Return for the year in which the Agreement becomes effective, thereby specifying that the joint election herein has been made for the Reinsurance Agreement of which this Schedule is a part.

[page break]

Schedule I - Retention Limits

[table deleted]

AMENDMENT to

REINSURANCE AGREEMENTS

between

MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY,

C.M. LIFE INSURANCE COMPANY, and

MML BAY STATE LIFE INSURANCE COMPANY

(hereinafter referred to as the “Ceding Company”)

and

RGA REINSURANCE COMPANY

(hereinafter referred to as the “Reinsurer”)

As of the effective date of the Agreements listed in the attached Exhibit, the following will be added to Schedule A: Accepted Coverages:

Increases: .

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

IN WITNESS WHEREOF, both parties in duplicate hereby execute this Amendment in good faith:

MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY


By:	/s/ ▇▇▇▇▇ ▇. ▇▇▇▇▇▇	Date:	11/25/08
	▇▇▇▇▇ ▇. ▇▇▇▇▇▇
	Second Vice President & Actuary

MML BAY STATE LIFE INSURANCE COMPANY

By:	/s/ ▇▇▇▇▇ ▇. ▇▇▇▇▇▇	Date:	11/25/08
	▇▇▇▇▇ ▇. ▇▇▇▇▇▇
	Second Vice President & Actuary

[page break]

C.M. LIFE INSURANCE COMPANY


By:	/s/ ▇▇▇▇▇ ▇. ▇▇▇▇▇▇	Date:	11/25/08
	▇▇▇▇▇ ▇. ▇▇▇▇▇▇
	Second Vice President & Actuary

RGA REINSURANCE COMPANY


By:	/s/ ▇▇▇▇▇ ▇. ▇▇▇▇▇▇	Date:	11/19/08

Print name:	▇▇▇▇▇ ▇. ▇▇▇▇▇▇

Title:	VP & Actuary

RGA REINSURANCE COMPANY

By:	/s/ ▇▇▇▇▇ ▇▇▇▇▇▇▇	Date:	11/19/08

Print name:	▇▇▇▇▇ ▇▇▇▇▇▇▇



Title		VP & Actuary

[page break]

EXHIBIT


Effective Date of Agreement		Coverage

May 1, 2001		Variable Universal Life II (SL14 added 6/1/02)

May 1, 2001		Variable Universal Life II (SL14 added 6/1/02 - with former Allianz)

February 29, 2004		Variable Universal Life Guard

February 29, 2004		1999 Series Enterprise Plus ▇▇

▇▇▇▇▇ ▇▇, ▇▇▇▇		▇▇▇▇ Excess

May 1, 2004		SVUL Guard

August 1, 2004		Simplified Issue Underwriting Program

August 23, 2004		UL2+ (UL2/UL2G added 11/1/04)

August 23, 2004		SUL+

November 1, 2005		Survivorship Universal Life Guard

AMENDMENT to

All YRT Quota Share Treaties

Except

Automatic Reinsurance Agreement dated 3/1/96

(New ARC – AZ62 and AL44)

between

MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY,

MML BAY STATE LIFE INSURANCE COMPANY, and

C.M. LIFE INSURANCE COMPANY

(the “Ceding Company” sometimes known as the “Reinsured”)

and

ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA

(the “Reinsurer”)

As of effective date of the Agreement, the Ceding Company and the Reinsurer agree to amend the above-referenced Agreements as follows:

[page break]

IN WITNESS WHEREOF, the parties hereto execute this Amendment in good faith:

MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY


By:	/s/ ▇▇▇▇▇ ▇. ▇▇▇▇▇▇	Witness:	/s/ ▇▇▇▇▇▇ ▇. ▇▇▇▇▇ ▇▇
	▇▇▇▇▇ ▇. ▇▇▇▇▇▇		▇▇▇▇▇▇ ▇. ▇▇▇▇▇, ▇▇
	Second Vice President and Actuary		Second Vice President & Actuary

Date:	11/13/01	Date:	11/13/01

MML BAY STATE LIFE INSURANCE COMPANY


By:	/s/ ▇▇ ▇▇▇▇▇▇▇▇	Witness:	/s/ ▇▇▇▇▇▇ ▇. ▇▇▇▇▇ ▇▇
	▇▇ ▇▇▇▇▇▇▇▇		▇▇▇▇▇▇ ▇. ▇▇▇▇▇, ▇▇
	Second Vice President and Actuary		Second Vice President & Actuary

Date:	11/13/01	Date:	11/13/01

C.M. LIFE INSURANCE COMPANY


By:	/s/ ▇▇ ▇▇▇▇▇▇▇▇	Witness:	/s/ ▇▇▇▇▇▇ ▇. ▇▇▇▇▇ ▇▇
	▇▇ ▇▇▇▇▇▇▇▇		▇▇▇▇▇▇ ▇. ▇▇▇▇▇, ▇▇
	Second Vice President and Actuary		Second Vice President & Actuary

Date:	11/13/01	Date:	11/13/01

ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA


By:		/s/ (signature not legible)				Witness:		/s/ (signature not legible)



Title:	VP	Title:	Sr. VP & Secretary

Date:	11/5/01	Date:	11/5/01

AMENDMENT to

ALL REINSURANCE AGREEMENTS

between

MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY,

MML BAY STATE LIFE INSURANCE COMPANY, and

C.M. LIFE INSURANCE COMPANY

(the “Ceding Company” sometimes known as the “Reinsured”)

and

ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA

(the “Reinsurer”)

As of effective date of the Agreement, the Ceding Company (including “any” or “all” of the three (3) entities listed above) and the Reinsurer agree to amend the above-referenced Agreement(s) to include the following important language:

▇▇▇▇▇-▇▇▇▇▇-▇▇▇▇▇▇ Privacy Requirements

The Ceding Company and Reinsurer are “financial institutions” as that term is used in Title V of the ▇▇▇▇▇-▇▇▇▇▇-▇▇▇▇▇▇ Act. The Parties may, from time to time, come into possession of “non-public personal information” as defined in Title V of the ▇▇▇▇▇-▇▇▇▇▇-▇▇▇▇▇▇ Act. The “non-public personal information” may be transmitted by either the Ceding Company or Reinsurer to the other in accordance with the transmitting party’s then current privacy policy and practices, in order to allow the other party to perform pursuant to this Agreement. During the continuation of this Agreement and after its termination, the Ceding Company or Reinsurer shall at all times use reasonable care to maintain the confidentiality of the “non-public personal information” and shall not make any use of the “non-public personal information” beyond the purpose for which it was disclosed. The Ceding Company and Reinsurer agree that they will not transfer information to a third party, except as provided in this Agreement and as permitted by Title V of the ▇▇▇▇▇-▇▇▇▇▇-▇▇▇▇▇▇ Act, such permission including, but not limited to, disclosure of Information if required by applicable federal, state or local legal requirement, order of a court of competent jurisdiction, properly authorized civil, criminal or regulatory investigation, or subpoena by federal, state or local authorities. The Ceding Company and Reinsurer agree that the Reinsurer may need to transfer “non-public personal information” to third party reinsurers for the purpose of obtaining reinsurance on risks subject to this Agreement. The Reinsurer will obtain agreements from any such third party reinsurers that require the third party reinsurers to use reasonable care to maintain the confidentiality of the “non-public personal information”.

[page break]

IN WITNESS WHEREOF, the parties hereto execute this Amendment in good faith:

MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY


By:	/s/ ▇▇▇▇▇ ▇. ▇▇▇▇▇▇	Witness:	/s/ ▇▇▇▇▇▇ ▇. ▇▇▇▇▇ ▇▇
	▇▇▇▇▇ ▇. ▇▇▇▇▇▇		▇▇▇▇▇▇ ▇. ▇▇▇▇▇, ▇▇
	Second Vice President and Actuary		Second Vice President & Actuary

Date:	6/10/02	Date:	6/10/02

MML BAY STATE LIFE INSURANCE COMPANY


By:	/s/ ▇▇ ▇▇▇▇▇▇▇▇	Witness:	/s/ ▇▇▇▇▇▇ ▇. ▇▇▇▇▇ ▇▇
	▇▇ ▇▇▇▇▇▇▇▇		▇▇▇▇▇▇ ▇. ▇▇▇▇▇, ▇▇
	Second Vice President and Actuary		Second Vice President & Actuary

Date:	6/10/02	Date:	6/10/02

C.M. LIFE INSURANCE COMPANY


By:	/s/ ▇▇ ▇▇▇▇▇▇▇▇	Witness:	/s/ ▇▇▇▇▇▇ ▇. ▇▇▇▇▇ ▇▇
	▇▇ ▇▇▇▇▇▇▇▇		▇▇▇▇▇▇ ▇. ▇▇▇▇▇, ▇▇
	Second Vice President and Actuary		Second Vice President & Actuary

Date:	6/10/02	Date:	6/10/02

ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA


By:	/s/ (signature not legible)	Witness:	/s/ (signature not legible)

Title:	Sr VP	Title:	Sr VP & Secretary

Date:	5/8/02	Date:	5/15/02

AMENDMENT to

ALL REINSURANCE AGREEMENTS

between

MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY,

MML BAY STATE LIFE INSURANCE COMPANY, and

C.M. LIFE INSURANCE COMPANY

(the “Ceding Company” sometimes known as the “Reinsured”)

and

ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA

(the “Reinsurer”)

PREMIUM RATES:

(Note: Each reinsurance treaty has a section covering “Premiums”. Due to the varying placement of this section, the above language should be regarded as an addition to what is currently written in that specific section).

IN WITNESS WHEREOF, the parties hereto execute this Amendment in good faith:

MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY


By:	/s/ ▇▇▇▇▇ ▇. ▇▇▇▇▇▇	Date:	5/12/03
	▇▇▇▇▇ ▇. ▇▇▇▇▇▇
	Second Vice President & Actuary

MML BAY STATE LIFE INSURANCE COMPANY


By:	/s/ ▇▇ ▇▇▇▇▇▇▇▇	Date:	5/13/03
	▇▇ ▇▇▇▇▇▇▇▇
	Second Vice President & Actuary

C.M. LIFE INSURANCE COMPANY


By:	/s/ ▇▇ ▇▇▇▇▇▇▇▇	Date:	5/13/03
	▇▇ ▇▇▇▇▇▇▇▇
	Second Vice President & Actuary

ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA


By:	/s/ (signature not legible)	Date:	5/5/03

Title:	Sr. VP

By:	/s/ (signature not legible)	Date:	5/8/03

Title:	Sr VP & Secretary

AMENDMENT TO REINSURANCE AGREEMENT(S)


CEDING COMPANY:		MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY,
		MML BAY STATE LIFE INSURANCE COMPANY, and
		C.M. LIFE INSURANCE COMPANY
		Hartford, Connecticut

Referred to as the “Ceding Company” in this Amendment.

ALLIANZ LIFE:

ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA,

Minneapolis, Minnesota

Referred to as “Allianz Life” in this Amendment.

WHEREAS, the President of the United States has issued Executive Order 13224, blocking property and prohibiting transactions with persons who commit, threaten to commit, or support terrorism; and

WHEREAS, the Office of Foreign Assets Control (“OFAC”) has issued a bulletin which describes certain insurance risks that reinsurers cannot accept without being subject to sanctions.

NOW, THEREFORE, the above parties hereby agree as follows:

That this Amendment shall apply to the following Agreement(s) that the Allianz Life has with the Ceding Company:

Massachusetts Mutual Life Insurance Company:


Effective Date		Treaty Type
November 19, 2001		Automatic & Facultative YRT
September 1, 2001		Automatic & Facultative YRT
May 1, 2001		Automatic & Facultative YRT
January 1, 2000		Automatic & Facultative YRT (Modified Whole Life)
January 1, 2000		Automatic & Facultative YRT (Whole Life)
January 1, 1999		Automatic YRT
April 1, 1997		Automatic YRT
September 16, 1996		Automatic & Facultative YRT
March 1, 1996		Automatic YRT
March 29, 1993		Automatic & Facultative YRT
October 1, 1976		Facultative YRT
January 1, 1974		Facultative YRT

MML Bay State Life Insurance Company:


Effective Date		Treaty Type
November 19, 2001		Automatic & Facultative YRT
September 1, 2001		Automatic & Facultative YRT
May 1, 2001		Automatic & Facultative YRT
January 1, 1999		Automatic YRT
April 1, 1997		Automatic YRT
September 16, 1996		Automatic & Facultative YRT
March 1, 1996		Automatic YRT

C.M. Life Insurance Company:


Effective Date		Treaty Type
November 19, 2001		Automatic & Facultative YRT
September 1, 2001		Automatic & Facultative YRT
May 1, 2001		Automatic & Facultative YRT
April 1, 1997		Automatic YRT


Effective Date		Treaty Type
September 16, 1996		Automatic & Facultative YRT
March 1, 1996		Automatic YRT

That the Allianz Life will not provide automatic or facultative reinsurance coverage under the above Agreement(s) on the lives of any individuals referred to in Executive Order 13224 – blocking property and prohibiting transactions with persons who commit, threaten to commit, or support terrorism, which went into effect on September 24, 2001, attached hereto as Exhibit A, including the Annex to this Order which is periodically produced and updated by OFAC. Updated versions of the Annex appears on OFAC’s website, ▇▇▇.▇▇▇▇▇.▇▇▇/▇▇▇▇.

That the Allianz Life also will not cover risks under the above Agreement(s) on the lives of individuals that resude in any of the countries referred to in the OFAC bulletin entitled: “Foreign Assets Control Regulations in the Insurance Industry,” dated July 26, 2001, attached hereto as Exhibit B.

That this Amendment supersedes the wording in the above Agreement(s) to the extent that the Amendment may conflict with any wording in the above Agreement(s). Except for such conflicts, the provisions of the above Agreement(s) apply to this Amendment.

The effective date of this Amendment is January 1, 2002.

IN WITNESS WHEREOF, the Ceding Company and Allianz Life have signed, duly attested, and dated this Amendment by their respective authorized officers.


MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY

/s/ ▇▇▇▇▇ ▇▇▇▇▇▇
Officer Signature

2^nd VP & Actuary
Title

▇▇▇▇▇▇ ▇. ▇▇▇▇▇ ▇▇
Attested

2^nd VP & Actuary
Title

5/7/02
Date

MML BAY STATE LIFE INSURANCE COMPANY

/s/ ▇▇ ▇▇▇▇▇▇▇▇
Officer Signature

2^nd VP & Actuary
Title

▇▇▇▇▇▇ ▇. ▇▇▇▇▇ ▇▇
Attested

2^nd VP & Actuary
Title

3/7/02
Date



C.M. LIFE INSURANCE COMPANY

/s/ ▇▇ ▇▇▇▇▇▇▇▇
Officer Signature



2^nd VP & Actuary
Title

▇▇▇▇▇▇ ▇. ▇▇▇▇▇ ▇▇
Attested

2^nd VP & Actuary
Title

3/7/02
Date

ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA

/s/ (signature not legible)
Officer Signature

Vice President
Title

/s/ (signature not legible)
Attested

Sr. VP
Title

1/22/02
Date

[page break]

EXHIBITS A and B are in PDF form only

AMENDMENT

to the

AUTOMATIC YRT REINSURANCE AGREEMENT

(VULII)

Effective: 5/1/01

between

MML BAY STATE LIFE INSURANCE COMPANY,

C.M. LIFE INSURANCE COMPANY, and

MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY

(hereinafter called the “Ceding Company”)

AND

ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA

(hereinafter called the “Reinsurer”)

Effective June 1, 2002, the following sections of Schedule A are revised as follows:

Plans of Insurance: .

Eligible Policies: .

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

[page break]

In witness whereof, this Agreement is hereby executed in good faith by both parties in duplicate:

MML BAY STATE LIFE INSURANCE COMPANY


By:	/s/ ▇▇ ▇▇▇▇▇▇▇▇	Witness:	/s/ ▇▇▇▇▇▇ ▇. ▇▇▇▇▇ ▇▇
	▇▇ ▇▇▇▇▇▇▇▇		▇▇▇▇▇▇ ▇. ▇▇▇▇▇, ▇▇
	Second Vice President & Actuary		Second Vice President & Actuary

Date:	8/16/02	Date:	8/16/02

C.M. LIFE INSURANCE COMPANY


By:	/s/ ▇▇ ▇▇▇▇▇▇▇▇	Witness:	/s/ ▇▇▇▇▇▇ ▇. ▇▇▇▇▇ ▇▇
	▇▇ ▇▇▇▇▇▇▇▇		▇▇▇▇▇▇ ▇. ▇▇▇▇▇, ▇▇
	Second Vice President & Actuary		Second Vice President & Actuary

Date:	8/16/02	Date:	8/16/02

MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY


By:	/s/ ▇▇▇▇▇ ▇. ▇▇▇▇▇▇	Witness:	/s/ ▇▇▇▇▇▇ ▇. ▇▇▇▇▇ ▇▇
	▇▇▇▇▇ ▇. ▇▇▇▇▇▇		▇▇▇▇▇▇ ▇. ▇▇▇▇▇, ▇▇
	Second Vice President & Actuary		Second Vice President & Actuary

Date:	8/15/02	Date:	8/15/02

ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA


By:	/s/ (signature not legible)	Witness:	/s/ (signature not legible)

Title:	Sr VP	Title:	VP

Date:	8/5/02	Date:	8/9/02

AMENDMENT to the

AUTOMATIC YRT AGREEMENT

between

MML BAY STATE LIFE INSURANCE COMPANY,

C.M. LIFE INSURANCE COMPANY, and

MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY

(hereinafter called the “Ceding Company”)

and

RGA REINSURANCE COMPANY

Formerly: Allianz Life Insurance Company of North America

(hereinafter called the “Reinsurer”)

Effective date: May 1, 2001

Coverages: Variable Universal Life II and Strategic Life 14

Effective March 19, 2004, the Amendment effective date, the Ceding Company and the Reinsurer agree to amend the applicable section of Schedule B: Reinsurance Limits of the above-referenced Agreement to include the following language:

Jumbo Limit: .

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

IN WITNESS WHEREOF, the parties hereto execute this Amendment in good faith:

MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY


By:	/s/ ▇▇▇▇▇ ▇. ▇▇▇▇▇▇	Date:	12/12/05
	▇▇▇▇▇ ▇. ▇▇▇▇▇▇
	Second Vice President and Actuary

MML BAY STATE LIFE INSURANCE COMPANY


By:	/s/ ▇▇▇▇▇ ▇. ▇▇▇▇▇▇	Date:	12/12/05
	▇▇▇▇▇ ▇. ▇▇▇▇▇▇
	Second Vice President and Actuary

PAGE 2

C.M. LIFE INSURANCE COMPANY


By:	/s/ ▇▇▇▇▇ ▇. ▇▇▇▇▇▇	Date:	12/12/05
	▇▇▇▇▇ ▇. ▇▇▇▇▇▇
	Second Vice President and Actuary

RGA REINSURANCE COMPANY


By:	/s/ ▇▇▇▇▇▇ ▇▇▇▇	Date:	12/6/05

Print name:	▇▇▇▇▇▇ ▇▇▇▇



Title:		Sales VP

RGA REINSURANCE COMPANY


By:	/s/ ▇. ▇▇▇▇▇▇▇	Date:	12/2/05

Print name:	▇. ▇▇▇▇▇▇▇

Title:	Sales VP

AMENDMENT to the

AUTOMATIC YRT AGREEMENT

between

MML BAY STATE LIFE INSURANCE COMPANY,

C.M. LIFE INSURANCE COMPANY, and

MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY

(hereinafter called the “Ceding Company”)

and

RGA REINSURANCE COMPANY

Formerly: Allianz Life Insurance Company of North America

(hereinafter called the “Reinsurer”)

Effective date: May 1, 2001

Coverages: Variable Universal Life II and Strategic Life 14

Effective June 1, 2004, the Amendment effective date, the Ceding Company and the Reinsurer agree to amend the applicable section of Schedule B: Reinsurance Limits of the above-referenced Agreement to include the following language:

The Automatic Issue Limit shall be , and the Automatic Binding Limit shall be the .

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

IN WITNESS WHEREOF, the parties hereto execute this Amendment in good faith:

MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY


By:	/s/ ▇▇▇▇▇ ▇. ▇▇▇▇▇▇	Date:	12/29/05
	▇▇▇▇▇ ▇. ▇▇▇▇▇▇
	Second Vice President and Actuary

MML BAY STATE LIFE INSURANCE COMPANY


By:	/s/ ▇▇▇▇▇ ▇. ▇▇▇▇▇▇	Date:	12/29/05
	▇▇▇▇▇ ▇. ▇▇▇▇▇▇
	Second Vice President and Actuary

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C.M. LIFE INSURANCE COMPANY


By:	/s/ ▇▇▇▇▇ ▇. ▇▇▇▇▇▇	Date:	12/29/05
	▇▇▇▇▇ ▇. ▇▇▇▇▇▇
	Second Vice President and Actuary

RGA REINSURANCE COMPANY


By:	/s/ ▇. ▇▇▇▇▇▇▇	Date:	12/28/05

Print name:	▇. ▇▇▇▇▇▇▇



Title:		Sales VP

NOVATION AGREEMENT

THIS AGREEMENT is made as of July 1, 2004 (the “Effective Date”) among ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA, Minneapolis, Minnesota (“Assignor”), RGA REINSURANCE COMPANY, St. Louis, Missouri, (“Assignee”), ▇.▇.▇▇▇▇ INSURANCE COMPANY, Harford, CT, MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY, Springfield, Massachusetts, and MML BAY STATE LIFE INSURANCE COMPANY, Hartford, Connecticut (collectively the “Consenter”).

WHEREAS Assignor and the Consentor are parties to a reinsurance agreement or reinsurance agreements as more particularly described in Schedule A attached hereto and forming part hereof (such agreement or agreements being hereinafter referred to as the “Contract”); and

WHEREAS Assignor and the Assignee have entered into a Life Coinsurance Retrocession Agreement dated as of December 4, 2003 (the “Coinsurance Agreement”) whereby the Assignor’s Liability (as defined in the Coinsurance Agreement) under certain reinsurance contracts and retrocession agreements of Assignor (including the Contract) have been assumed by the Assignee, to the extent set forth in the Coinsurance Agreement; and

WHEREAS the Consentor wish to consent and agree to such assumption by the Assignee of all of Assignor’s duties, obligations and liabilities arising under the Contract, to the extent not satisfied by Assignor prior to the Effective Date, in order that Assignor will be relieved of all such rights, duties, obligations and liabilities thereunder.

NOW THEREFORE in consideration of the mutual covenants contained in this Agreement and other good and valuable consideration (the receipt and sufficiency of which are hereby acknowledged), the parties hereto agree as follows:

Notwithstanding any provision in the Contract to the contrary (including those relating to the assignability of the Contract or the giving of notice), all of which are hereby expressly waived by Assignor and the Consentor, as of the Effective Date and without further formality:

Assignor hereby sells, transfers, novates and assigns to the Assignee all Assignor’s rights, title and interest in and to the Contract, to the extent not satisfied by the Consentor prior to the Effective Date;

Assignee hereby agrees to assume, and shall observe and perform, all of Assignor’s rights, duties, obligations and liabilities under the Contract, to the extent not satisfied by Assignor prior to the Effective Date, so as to substitute the Assignee for the Assignor with respect to such rights, duties, obligations and liabilities and to effect a novation of the Contract to such extent.

Consentor hereby agrees and consents to the novation and assignment of the Contract to the Assignee and, in consideration of the Assignee’s assumption of Assignor’s rights, duties, obligations and liabilities under the Contract, agrees that Assignor is hereby released and forever discharged by the Assignee hereunder and that such novation and assignment shall have the force and effect of creating a direct agreement between Consenter and Assignee.

The Assignee agrees that the Consentor shall be entitled to enforce the Contract directly against the Assignee and shall have a direct right of action against the Assignee in respect of the rights, duties, obligations and liabilities assumed by Assignee hereunder, as if the Assignee had executed and delivered the Contract instead of Assignor.

Each of the parties hereto shall promptly do, make, execute or deliver, or cause to be done, made, executed or delivered, all such futher acts, documents and things as the other parties hereto may reasonably require from time to time for the purpose of giving full effect to this Agreement.

This Agreement shall inure to the benefit of and be binding upon the parties hereto and their successors and assigns, respectively.

This Agreement shall be governed by and construed in accordance with the laws applicable to the Contract.

This Agreement may be signed in counterparts and each such counterpart shall constitute an original document and such counterparts, taken together, shall constitute one and the same instrument.

Notwithstanding any provision of this Agreement to the contrary, as between Assignor and Assignee, nothing contained herein shall alter the allocation of liability between Assignor and Assignee under the terms of the Coinsurance Agreement.

[page break]

IN WITNESS WHEREOF the parties hereto have executed this Agreement.


ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA (“Assignor”)

By:	/s/ (signature not legible)
	Title:	VP & CAO
	Date:	3/3/04

RGA REINSURANCE COMPANY (“Assignee”)

By:	/s/ (signature not legible)
	Title:	Sr. VP
	Date:	3/1/04

C.M. LIFE INSURANCE COMPANY (“Consentor”)

By:	/s/ ▇▇▇▇▇ ▇. ▇▇▇▇▇▇
	Title:	2^nd VP & Actuary
	Date:	3/16/04

MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY (“Consentor”)

By:	/s/ ▇▇▇▇▇ ▇. ▇▇▇▇▇▇
	Title:	2^nd VP & Actuary
	Date:	3/16/04

MML BAY STATE LIFE INSURANCE COMPANY (“Consentor”)

By:	/s/ ▇▇▇▇▇ ▇. ▇▇▇▇▇▇
	Title:	2^nd VP & Actuary
	Date:	3/16/04

[page break]

Schedule A

To the Novation Agreement made as of the

Effective Date (as defined therein)

Among

ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA,

RGA REINSURANCE COMPANY,

C.M. LIFE INSURANCE COMPANY,

MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY

and

MML BAY STATE LIFE INSURANCE COMPANY

Contract(s) referred to in the above reference Novation Agreement:


Effective Date		Description
9/1/02		Automatic and Facultative YRT Reinsurance Agreement
11/19/01		Automatic and Facultative YRT Reinsurance Agreement
9/1/01		Automatic and Facultative YRT Reinsurance Agreement
5/1/01		Automatic and Facultative YRT Reinsurance Agreement
4/1/97		Automatic YRT Reinsurance Agreement
9/16/96		Automatic and Facultative YRT Reinsurance Agreement
3/1/96		Automatic YRT Reinsurance Agreement

AMENDMENT to the

AUTOMATIC YRT AGREEMENT

between

MML BAY STATE LIFE INSURANCE COMPANY,

C.M. LIFE INSURANCE COMPANY, and

MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY

(hereinafter called the “Ceding Company”)

and

RGA REINSURANCE COMPANY

Formerly: Allianz Life Insurance Company of North America

(hereinafter called the “Reinsurer”)

Effective date: May 1, 2001

Coverages: Variable Universal Life II and Strategic Life 14

This Amendment hereby terminates the reinsurance of new business on new lives for the above referenced Agreement (former Allianz treaty) on and after December 31, 2005, the Amendment effective date. All business inforce at that effective date shall remain reinsured hereunder until the termination, expiry, or recapture of the underlying policy on which the reinsurance is based.

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

IN WITNESS WHEREOF, the parties hereto execute this Amendment in good faith:

MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY


By:	/s/ ▇▇▇▇▇ ▇. ▇▇▇▇▇▇	Date:	4/3/06
	▇▇▇▇▇ ▇. ▇▇▇▇▇▇
	Second Vice President and Actuary

MML BAY STATE LIFE INSURANCE COMPANY


By:	/s/ ▇▇▇▇▇ ▇. ▇▇▇▇▇▇	Date:	4/3/06
	▇▇▇▇▇ ▇. ▇▇▇▇▇▇
	Second Vice President and Actuary

[page break]


C.M. LIFE INSURANCE COMPANY

By:	/s/ ▇▇▇▇▇ ▇. ▇▇▇▇▇▇	Date:	4/3/06
	▇▇▇▇▇ ▇. ▇▇▇▇▇▇
	Second Vice President and Actuary



RGA REINSURANCE COMPANY

By:	/s/ ▇. ▇▇▇▇▇▇▇	Date:	3/23/06

Print name:	▇. ▇▇▇▇▇▇▇

Title:	Sales VP

AMENDMENT

to the

AUTOMATIC YRT AGREEMENT

between

MML BAY STATE LIFE INSURANCE COMPANY,

C.M. LIFE INSURANCE COMPANY, and

MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY

(hereinafter called the “Ceding Company”)

and

RGA REINSURANCE COMPANY

(Formerly: Allianz Life Insurance Company)

(hereinafter called the “Reinsurer”)

EFFECTIVE DATE: May 1, 2001

COVERAGE: Variable Universal Life II (with Strategic Life 14 as added by amendment)

Effective January 1, 2006, the Amendment effective date, the premium rates for classifications under the above-referenced agreement which will apply to will be the rates which are stated in the table below. The following rates will be applied to MassMutual’s 1975-1980 Basic Select and Ultimate Table Extended to 110 for males and females.

Rates

Risk Class

[table deleted]

All other terms and conditions of the Agreement not in conflict with the terms and conditions of this Amendment remain unchanged.

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

[page break]


MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY

By:	/s/ ▇▇▇▇▇ ▇. ▇▇▇▇▇▇	Date:	12/12/05
	▇▇▇▇▇ ▇. ▇▇▇▇▇▇
	Second Vice President & Actuary

MML BAY LIFE INSURANCE COMPANY

By:	/s/ ▇▇▇▇▇ ▇. ▇▇▇▇▇▇	Date:	12/12/05
	▇▇▇▇▇ ▇. ▇▇▇▇▇▇
	Second Vice President & Actuary

C.M. LIFE INSURANCE COMPANY

By:	/s/ ▇▇▇▇▇ ▇. ▇▇▇▇▇▇	Date:	12/12/05
	▇▇▇▇▇ ▇. ▇▇▇▇▇▇
	Second Vice President & Actuary


RGA REINSURANCE COMPANY

By:	/s/ ▇. ▇▇▇▇▇▇▇	Date:	12/2/05

Print name:	▇. ▇▇▇▇▇▇▇

Title:	Sales VP

RGA REINSURANCE COMPANY

By:	/s/ ▇▇▇▇▇▇ ▇▇▇▇	Date:	12/6/05

Print name:	▇▇▇▇▇▇ ▇▇▇▇

Title:	Sales VP

AMENDMENT to

ALL REINSURANCE AGREEMENTS

between

MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY, and/or

MML BAY STATE LIFE INSURANCE COMPANY, and/or

CM LIFE INSURANCE COMPANY

(hereinafter referred to as the “Ceding Company,” sometimes known as the “Reinsured”)

and

RGA REINSURANCE COMPANY,

Or its current subsidiaries/affiliates

(hereinafter referred to as the “Reinsurer”)

Effective September 1, 2006, the Amendment effective date, the Ceding Company and the Reinsurer hereby amend all of the reinsurance agreements (including the agreements which are already terminated to new business) so that the process of reviewing all new contestable claims received on or after this date between the Ceding Company and the Reinsurer shall be as follows, and shall replace only such contestable claims terms/procedures in each Agreement that conflict(s) with the contestable claims terms/procedures below. .

Amended Contestable Claims Procedure

The Ceding Company shall send to the Reinsurer all of the contestable claims documentation as required in the underlying Agreement, by any of the following means: facsimile, encrypted secure email, or express mail. If the Ceding Company sends the documentation via secure email, it shall submit said information for each claim directly to the Reinsurer via a “list of claims personnel”¹ that is provided by the Reinsurer. The Reinsurer has complete responsibility for the Reinsurer’s review of each claim and to communicate its decision for each claim in writing (email is acceptable) to the Ceding Company within from the day in which the Ceding Company sent the final documentation. If the Reinsurer does not communicate its decision in writing (email is acceptable) to the Ceding Company regarding whether to contest or pay the claim during the five-day period, the Ceding Company shall proceed to settle, contest or deny the claim as allowed in the underlying Agreement without requiring further input from the Reinsurer. The Ceding Company may take into consideration any other reinsurer’s decision regarding the claim that was communicated to the Ceding Company within the timeframe specified, but in any case only the Ceding Company will determine the proper action on the claim and the decision, which will be made exclusively by the Ceding Company, shall be binding on the Reinsurer and all other reinsurers affected by the claim.

The Reinsurer shall share in the claim expenses of any contest or compromise of a claim in the same proportion that the net amount at risk reinsured with the Reinsurer bears to the total net amount at risk of the Ceding Company under all policies on that life being contested or compromised by the Ceding Company and shall share in the total amount of any reduction in liability in the same proportion. For example, litigation expenses related to the contestable claim are considered claim expenses. Routine expenses incurred in the normal settlement of uncontested claims, compensation of salaried officers and employees of the Ceding Company shall not be considered claim expenses.

Alternatively, the Reinsurer may decline to be a party to the contest, compromise, or litigation involved on a claim, in which case it shall pay the full amount of its share of the claim to the Ceding Company. The Reinsurer must convey this decision in writing (email is acceptable) within from the day in which the documentation was sent by the Ceding Company. In such case, the Reinsurer shall not share in any claim expenses involved in such contest, compromise or litigation, or in any reduction in claim amount resulting therefrom.

All terms and conditions of these Agreements not in conflict with the terms and conditions of this Amendment will continue unchanged.

IN WITNESS WHEREOF, the parties hereto execute this Amendment in good faith:

MML BAY STATE LIFE INSURANCE COMPANY


By:	/s/ ▇▇▇▇▇ ▇. ▇▇▇▇▇▇	Date:	9/15/06
	▇▇▇▇▇ ▇. ▇▇▇▇▇▇
	Second Vice President & Actuary

C.M. LIFE INSURANCE COMPANY

By:	/s/ ▇▇▇▇▇ ▇. ▇▇▇▇▇▇	Date:	9/15/06
	▇▇▇▇▇ ▇. ▇▇▇▇▇▇
	Second Vice President & Actuary

MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY

By:	/s/ ▇▇▇▇▇ ▇. ▇▇▇▇▇▇	Date:	9/15/06
	▇▇▇▇▇ ▇. ▇▇▇▇▇▇
	Second Vice President & Actuary

RGA REINSURANCE COMPANY

By:	/s/ ▇. ▇▇▇▇▇▇▇	Date:	9/11/06

Print name:	▇. ▇▇▇▇▇▇▇

Title:	Sales VP

AMENDMENT to

ALL REINSURANCE AGREEMENTS

between

MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY, and/or

MML BAY STATE LIFE INSURANCE COMPANY, and/or

C.M. LIFE INSURANCE COMPANY

(hereinafter referred to as the “Ceding Company”, sometimes known as the “Reinsured”)

and

RGA REINSURANCE COMPANY

(hereinafter referred to as the “Reinsurer”)

Effective January 1, 2009, the Amendment effective date, the 1980 CSO valuation basis is being replaced by the 2001 CSO valuation basis. In future years, there could be another new valuation basis. This blanket amendment is for all treaties both terminated and non-terminated since any reinsured 1980 CSO product could be impacted.

If a product converts from a 1980 CSO valuation basis to a 2001 CSO or later valuation basis, the original conversion reinsurance premium rates continue to apply but the reserve credits will be based on the new valuation basis and the prevailing statutory interest rates.

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

IN WITNESS WHEREOF, both parties in duplicate hereby execute this Amendment in good faith:


MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY

By:	/s/ ▇▇▇▇▇ ▇. ▇▇▇▇▇▇	Date:	11/17/08
	▇▇▇▇▇ ▇. ▇▇▇▇▇▇
	Second Vice President & Actuary

MML BAY STATE LIFE INSURANCE COMPANY

By:	/s/ ▇▇▇▇▇ ▇. ▇▇▇▇▇▇	Date:	11/17/08
	▇▇▇▇▇ ▇. ▇▇▇▇▇▇
	Second Vice President & Actuary

C.M. LIFE INSURANCE COMPANY

By:	/s/ ▇▇▇▇▇ ▇. ▇▇▇▇▇▇	Date:	11/17/08
	▇▇▇▇▇ ▇. ▇▇▇▇▇▇
	Second Vice President & Actuary



RGA REINSURANCE COMPANY

By:	/s/ ▇▇▇▇▇ ▇▇▇▇▇▇▇	Date:	11/14/08

Print name:	▇▇▇▇▇ ▇▇▇▇▇▇▇

Title:	VP & Actuary



RGA REINSURANCE COMPANY

By:	/s/ ▇▇▇▇▇ ▇▇▇▇▇▇	Date:	11/14/08

Print name:	▇▇▇▇▇ ▇▇▇▇▇▇

Title	VP & Actuary

AUTOMATIC YRT AGREEMENT between MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY (hereinafter called the “Ceding Company”) and ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA (hereinafter called the “Reinsurer”) Effective Date: May 1, 2001 Variable...

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