Supplement dated April 28, 2025
to the Updating Summary Prospectus dated April 28, 2025 (“Prospectus”) for:
MassMutual EnvisionSM
Issued by Massachusetts Mutual Life Insurance Company
THIS SUPPLEMENT MUST BE READ IN CONJUNCTION WITH YOUR PROSPECTUS. PLEASE RETAIN THIS SUPPLEMENT FOR FUTURE REFERENCE. |
For MassMutual EnvisionSM contracts issued prior to April 28, 2025 where MassMutual RetirePaySM is in effect, this supplement amends your Rate Sheet Prospectus Supplement to reflect fund substitutions that occurred after the close of the New York Stock Exchange on April 25, 2025.
For Contracts Issued in New York: The “Investment Allocation Restrictions” section of your Rate Sheet Prospectus Supplement is deleted and replaced with the following:
INVESTMENT ALLOCATION RESTRICTIONS
While RetirePay is in effect, your investment allocations are restricted.
You must either be invested 100% in one of the MML Asset Allocation Sub-Accounts or invested 100% in the Custom Allocation Program.
MML Asset Allocation Sub-Accounts:
MML American Funds Core Allocation
MML Balanced Allocation
MML Blend
MML Conservative Allocation
MML Growth Allocation
MML iShares® 80/20 Allocation
MML iShares® 60/40 Allocation
MML Moderate Allocation
Custom Allocation Program:
Multiple Sub-Accounts can be selected within each category. The total allocation for all Sub-Accounts within each category must be between the minimum and maximum allocation. The Contract Value in the Custom Allocation Program will be rebalanced based on your elected frequency. If no election is made, rebalancing will occur quarterly during each calendar year.
| Minimum Allocation | Maximum Allocation | |
| Allocation Category 1 | 30% | 30% |
| Available sub-accounts: | ||
| MML Inflation-Protected and Income | ||
| MML Managed Bond | ||
| MML Short-Duration Bond | ||
| MML Total Return Bond | ||
| MML U.S. Government Money Market | ||
| Allocation Category 2 | 40% | 70% |
| Available sub-accounts: | ||
| American Funds Insurance Series® Global Small Capitalization | ||
| American Funds Insurance Series® New World® | ||
| American Funds Insurance Series® Washington Mutual Investors | ||
| Columbia Variable Portfolio - Contrarian Core | ||
| Janus Henderson Enterprise | ||
| Janus Henderson Overseas | ||
| Macquarie VIP Growth | ||
| MML American Funds Growth | ||
| MML Blue Chip Growth | ||
| MML Equity Income | ||
| MML Focused Equity | ||
| MML Foreign | ||
| MML Fundamental Equity | ||
| MML Global | ||
| MML Income & Growth | ||
| MML International Equity | ||
| MML Large Cap Growth | ||
| MML Mid Cap Growth | ||
| MML Mid Cap Value | ||
| MML Small Cap Equity | ||
| MML Small Cap Growth Equity | ||
| Allocation Category 3 | 0% | 30% |
| Available sub-accounts: | ||
| Fidelity® VIP Contrafund® | ||
| Fidelity® VIP Health Care | ||
| Fidelity® VIP Overseas | ||
| Fidelity® VIP Real Estate | ||
| Fidelity® VIP Strategic Income | ||
| Invesco V.I. Discovery Mid Cap Growth | ||
| Invesco V.I. Global Strategic Income | ||
| Invesco Oppenheimer V.I. International Growth | ||
| Janus Henderson Global Technology and Innovation | ||
| Macquarie VIP Asset Strategy | ||
| MML Equity | ||
| MML Small Company Value | ||
| MML Small/Mid Cap Value | ||
| MML Sustainable Equity | ||
| PIMCO Income Portfolio |
If a requested change in your allocations or a transfer of any portion of your contract value does not comply with these investment restrictions, you will be required to terminate your RetirePay by written request before the allocation change or transfer can be processed. We reserve the right, upon thirty calendar days advance notice to you, to change the investment restrictions. No change will be made without prior approval of the New York State Department of Financial Services. If we change the investment restrictions, you must change your allocations to comply within thirty calendar days of the restrictions becoming effective, or we will terminate your RetirePay.
For Contracts Issued in All States Except New York: The “Investment Allocation Restrictions” section of your Rate Sheet Prospectus Supplement is deleted and replaced with the following:
INVESTMENT ALLOCATION RESTRICTIONS
While RetirePay is in effect, your investment allocations are restricted.
You must either be invested 100% in one of the MML Asset Allocation Sub-Accounts or invested 100% in the Custom Allocation Program.
MML Asset Allocation Sub-Accounts:
MML American Funds Core Allocation
MML Balanced Allocation
MML Blend
MML Conservative Allocation
MML Growth Allocation
MML iShares® 80/20 Allocation
MML iShares® 60/40 Allocation
MML Moderate Allocation
Custom Allocation Program:
Multiple Sub-Accounts can be selected within each category. The total allocation for all Sub-Accounts within each category must be between the minimum and maximum allocation. The Contract Value in the Custom Allocation Program will be rebalanced based on your elected frequency. If no election is made, rebalancing will occur quarterly during each calendar year.
| Minimum Allocation | Maximum Allocation | |
| Allocation Category 1 | 30% | 30% |
| Available sub-accounts: | ||
| MML Inflation-Protected and Income | ||
| MML Managed Bond | ||
| MML Short-Duration Bond | ||
| MML Total Return Bond | ||
| MML U.S. Government Money Market | ||
| Allocation Category 2 | 40% | 70% |
| Available sub-accounts: | ||
| American Funds Insurance Series® Global Small Capitalization | ||
| American Funds Insurance Series® New World® | ||
| American Funds Insurance Series® Washington Mutual Investors | ||
| Columbia Variable Portfolio - Contrarian Core | ||
| Janus Henderson Enterprise | ||
| Janus Henderson Overseas | ||
| Macquarie VIP Growth | ||
| MML American Funds Growth | ||
| MML Blue Chip Growth | ||
| MML Equity Income | ||
| MML Focused Equity | ||
| MML Foreign | ||
| MML Fundamental Equity | ||
| MML Global | ||
| MML Income & Growth | ||
| MML International Equity | ||
| MML Large Cap Growth | ||
| MML Mid Cap Growth | ||
| MML Mid Cap Value | ||
| MML Small Cap Equity | ||
| MML Small Cap Growth Equity | ||
| Vest US Large Cap 10% Buffer Strategies VI | ||
| Allocation Category 3 | 0% | 30% |
| Available sub-accounts: | ||
| Fidelity® VIP Contrafund® | ||
| Fidelity® VIP Health Care | ||
| Fidelity® VIP Overseas | ||
| Fidelity® VIP Real Estate | ||
| Fidelity® VIP Strategic Income | ||
| Invesco V.I. Discovery Mid Cap Growth | ||
| Invesco V.I. Global Strategic Income | ||
| Invesco Oppenheimer V.I. International Growth | ||
| Janus Henderson Global Technology and Innovation | ||
| Macquarie VIP Asset Strategy | ||
| MML Equity | ||
| MML Small Company Value | ||
| MML Small/Mid Cap Value | ||
| MML Sustainable Equity | ||
| PIMCO Income Portfolio |
If a requested change in your allocations or a transfer of any portion of your contract value does not comply with these investment restrictions, you will be required to terminate your RetirePay by written request before the allocation change or transfer can be processed. We reserve the right, upon thirty calendar days advance notice to you, to change the investment restrictions. If we change the investment restrictions, you must change your allocations to comply within thirty calendar days of the restrictions becoming effective, or we will terminate your RetirePay.
If you have questions about this supplement or wish to make any changes to your contract, please contact your registered representative, visit us online at www.MassMutual.com/contact-us, or call our Service Center at (800) 272-2216 (8 a.m.– 8 p.m. Eastern Time).
For more information about the funds, read each fund prospectus. Prospectuses are available by going to www.MassMutual.com/variable-products, selecting the name of your variable product, and then selecting the applicable fund. You can also request paper copies of fund prospectuses by calling our Service Center at the number listed above.