To determine which lab was used for the client's testing, they will need to refer to their lab ticket. Here are the steps to access lab results based on the lab used:

1. CRL (Clinical Reference Laboratory):

   • Visit www.accessmylab.com.

   • Follow the prompts on the website to access the lab results.

2. LabOne:

   • Go to https://applicant.examone.com.

   • Follow the instructions provided on the website to access the lab results.

Issue Date: This is the date when MassMutual officially issues the contract. The contestability period begins on this date, which is the time frame during which the insurer can review and potentially deny claims based on misstatements or omissions made by the policyholder.

Policy Date: This can be a specific date chosen by the client or the insurer, the current date, or a backdated date (to save age). It is the date when the client's coverage actually starts. The policy date determines when the benefits and coverage take effect.

PAC Draft Date: This is the date selected by the client for MassMutual to automatically draft the premium payment from their account. The client can choose any day of the month, from the 1st to the 28th. This date is important for ensuring the timely payment of premiums for their policy.

If the client did not choose a specific date for the PAC draft, MassMutual will automatically set the draft date based on the following:

• For most policies, the draft date will be set to the policy anniversary date. For example, if the policy is dated 01/01, the draft date would be the 1st of each month.

• For Universal Life (UL) policies, the default draft date is the 15th of the month.

• For Variable Universal Life (VUL) policies, the default draft date is the 20th of the month.

This ensures that premiums are collected on a consistent basis without requiring further action from the client.

For New Business, adding to an existing PAC account is unavailable. This is because we do not have access to the client's existing checking or savings account information. If clients need to make changes or additions to their PAC setup, they will need to provide new account details for each new policy or request.

The ICC States are:

• Alabama (AL)

• Alaska (AK)

• Arkansas (AR)

• Colorado (CO)

• Georgia (GA)

• Hawaii (HI)

• Idaho (ID)

• Illinois (IL)

• Indiana (IN)

• Iowa (IA)

• Kansas (KS)

• Kentucky (KY)

• Louisiana (LA)

• Maine (ME)

• Maryland (MD)

• Massachusetts (MA)

• Michigan (MI)

• Minnesota (MN)

• Mississippi (MS)

• Missouri (MO)

• Nebraska (NE)

• Nevada (NV)

• New Hampshire (NH)

• New Jersey (NJ)

• New Mexico (NM)

• North Carolina (NC)

• Ohio (OH)

• Oklahoma (OK)

• Oregon (OR)

• Pennsylvania (PA)

• Puerto Rico (PR)

• Rhode Island (RI)

• South Carolina (SC)

• Tennessee (TN)

• Texas (TX)

• Utah (UT)

• Vermont (VT)

• Virginia (VA)

• Washington (WA)

• West Virginia (WV)

• Wisconsin (WI)

• Wyoming (WY)

Refunds will not be applied to the next month's premium. They will be returned to the client in the same form the payment was originally deposited. If the refund amount exceeds a certain threshold, it must be issued via check.

To check if the client has viewed or signed the delivery, go to the original email sent from your NBC. Open the policy document, and in the upper right corner, click on the "Certificate" option. This will display whether the client has viewed or signed the delivery.

You do not need to complete a PART 2 unless specifically advised by the underwriter.

Typically, the policy is available 24 hours after policy issue; however, it may take up to 48 hours in some cases, as policies are randomly selected for audit purposes. Additionally, there may be instances where the policy package encounters a system error and does not generate immediately.