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MassMutual Convertible Term Series policies (SCT, TFC and ICC18TFC in certain states, including North Carolina) are non-participating, annually renewable term life insurance policies. MassMutual Whole Life Series policies (WL-2018 and ICC18WL in certain states, including North Carolina) are level-premium, participating, permanent whole life insurance policies. These products are issued by Massachusetts Mutual Life Insurance Company (MassMutual), Springfield, MA 01111-0001. These products may not be available in all states. State variations will apply.