About the Financial Crisis

To our clients —

During this financial crisis, Holden Mickey & Mickey takes comfort in knowing over the years that we placed a high percentage of our permanent life & disability insurance contracts with AAA-rated MassMutual. The fact that there are no stockholders involved and Wall Street reactions do not influence MassMutual's business decisions is in the best interest of our clients.

We are making available to you a letter from the President of MassMutual, Stu Reese. Before Stu became president of the company, he was the chief investment officer of the company's fixed-income portfolio. He has a deep understanding of the mortgage-backed security market and the problems that we are currently dealing with in the U.S. and global financial systems.

I hope you will find this letter and ad reassuring about the business you have done with us and also allow you to be optimistic about the future.

We've also provided a MassMutual ad that appeared recently in the Wall Street Journal. It describes the company's financial strength to meet the challenges our clients are facing today.

We will get through this. Let us know if you have any concerns or questions about your insurance and investment contracts.

Thank you again for your continuing business.

Securities, investment advisory and financial planning services offered through qualified registered representatives of MML Investors Services Inc. Member SIPC (www.SIPC.org). 300 N. Greene Street, Suite 1650, Greensboro, NC 27401-2167, (336) 275-0881.