Exhibit d iv.            Form of Accelerated Benefits Rider

Accelerated Benefits Rider

For Terminal Illness

This rider provides that an accelerated death benefit payment may be made under this certificate. We discuss this rider, and the rules that apply to it, in the provisions that follow.

In this rider, the word “certificate” may also mean “certificate with rider.”

Benefits payable under this rider may be taxable. The Owner should seek tax advice prior to requesting an accelerated death benefit payment.

An accelerated death benefit payment will not be allowed if the Owner is required to request the payment by any third party (including any creditor, governmental agency, trustee in bankruptcy, or any other person) or as the result of a court order.

This rider does not provide for long-term care insurance or for nursing-home care insurance.

Rider Benefit Subject to the terms of this rider, an accelerated death benefit will be paid to the Owner upon request once we receive proof that the Insured has a terminal illness.

Accelerated Benefit Payment

In this section we discuss payment of the accelerated death benefit and the amounts used in determining the amount of the payment.

Eligible Amount The Eligible Amount is the amount of death benefit under this certificate that can be considered for acceleration. It will be determined as of the Acceleration Date. This Amount is equal to the excess of:

· The death benefit payable upon the death of the Insured under the base certificate; over

· The certificate account value.

The Eligible Amount does not include:

· The amount payable upon the death of the Insured under any life insurance rider that does not provide level or increasing coverage for at least two years after the Acceleration Date; and

· The amount of any insurance provided under this certificate on the life of someone other than the Insured; and

· The amount of benefit under any accidental death or accidental death and dismemberment benefit rider.

Amount To Be Accelerated Subject to the terms of this rider, the Owner may accelerate any portion of the Eligible Amount up to the maximum limit. The maximum amount to be accelerated is equal to the lesser of:

· 75% of the Eligible Amount; and

· $250,000 minus the total amount accelerated under all other policies issued on the life of the Insured by us and any of our affiliates.

We reserve the right to impose a minimum limit on the amount to be accelerated; if we do so, this limit will not exceed $25,000.

Amount of Payment The amount of payment under this rider will be computed based on the amount to be accelerated less:

· Interest at the annual interest rate we have declared for certificates in this class; and

· A fee of not more than $250.

If required, a detailed statement of the method we use to compute the amount of the accelerated benefit payment has been filed with the insurance department of the state where the rider was delivered.

How We Pay Payment of the accelerated benefit will be made to the Owner in a lump sum. However, we will not make the payment if we first receive due proof of the Insured’s death; in this case, we will instead pay the death benefit as if no request had been received under this rider.

Effect On Certificate After the accelerated benefit payment is made, this certificate will remain in force. Premiums and charges will continue in accordance with the certificate provisions.

A lien will be established against this certificate. The amount of the lien will be equal to the amount to be accelerated under this rider. Interest will not be charged on the lien. The Owner may not voluntarily repay all or any portion of the lien. However, the amount of the lien will be deducted from the amount of payment under this certificate upon the death of the Insured.

Other Definitions and Requirements

Acceleration Date The Acceleration Date is the first date on which all the requirements for acceleration, except any examination of the Insured by a physician of our choice that we may require, have been met. Our right to require this examination is discussed in the Proof Of Terminal Illness provision below.

Requirements For Acceleration Before the accelerated benefit can be paid, all of the following requirements must be met:

1.    We must receive at our Home Office:

a. The Owner’s written request for payment of an accelerated death benefit under this certificate;

b. The Insured’s written authorization to release medical records to us; and

c. The written consent to this request of any assignee and any irrevocable beneficiary under this certificate.

2.    We must receive proof, satisfactory to us, that the Insured has a terminal illness.

Terminal Illness As used in this rider, “terminal illness” is a medical condition that:

· Is first diagnosed by a legally qualified physician after the Issue Date of this certificate; and

· With reasonable medical certainty, will result in the death of the Insured within 12 months from the date diagnosed; and

· Is not curable by any means available to the medical profession.

Proof Of Terminal Illness Proof of terminal illness is written certification, satisfactory to us, that a legally qualified physician has diagnosed the Insured as having a terminal illness. To establish this proof, we reserve the right to require that the diagnosis be confirmed with examination of the Insured, at our expense, by a physician of our choice. This examination may include x-rays, blood tests, and other procedures that are reasonable and necessary to determine whether the Insured has a terminal illness. To be acceptable to us, this examination must be completed within 90 days after the date we notify the Owner of this requirement.

Legally Qualified Physician As used in this rider, a “legally qualified physician” is a person who is licensed by the state in which he or she practices to give advice or treatment for the terminal illness and who is acting within the scope of that license. A legally qualified physician must be someone other than the Owner or the Insured, or a spouse, mother-in-law, father-in-law, stepparent, or natural or adoptive brother, sister, parent, grandparent, or child of the Owner or the Insured.

General Provisions

Rider Part Of This Certificate This rider is made a part of the certificate numbered above as of the Issue Date of this rider. If the Issue Date of this rider is not shown above, it is the same as the Issue Date of this certificate. All the provisions of this certificate apply to this rider, except for those that are not consistent with this rider.

Termination Of This Rider This rider will end automatically on the date:

1.    An accelerated benefit payment is made; or

2.    This certificate terminates for any reason; or

3.    This certificate is changed to a different certificate on which this rider is not available; or

4.    Two years before coverage under this certificate is scheduled to mature or terminate.

Cancellation Of This Rider This rider may be cancelled by the Owner’s written request.

MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY

/s/ R. J. O’CONNELL	/s/ ANN F. LOMELI
President	Secretary