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Prospectuses and Supplements

To view the contents of the prospectuses please click on the PDF icon below.
VUL Guard policy prospectus Prospectus
For all states, where available

Underlying Investment Funds1

To view the contents of the prospectuses please click on the PDF icon below.
Fund Names Prospectus Annual / Semi-Annual Reports
AIM Variable Insurance Funds
(includes fund(s) listed below)
AIM V.I. Financial Services Fund (Series I)
AIM V.I. Global Health Care Fund (Series I)
AIM V.I. Technology Fund (Series I)
American Century Variable Portfolios, Inc.
(includes fund(s) listed below)
American Century VP Income & Growth Fund (Class I)
American Century VP Value Fund (Class I)
American Funds® Insurance Series®
(includes fund(s) listed below)
American Funds® Asset Allocation Fund (Class 2)
American Funds® Growth-Income Fund (Class 2)
DWS VIT Funds
(includes fund(s) listed below)
DWS Small Cap Index VIP (Class A)
Fidelity® Variable Insurance Products Fund
(includes fund(s) listed below)
Fidelity® VIP Contrafund® Portfolio (Initial Class)
Franklin Templeton Variable Insurance Products Trust
(includes fund(s) listed below)
Franklin Small Cap Value Securities Fund (Class 2)
Templeton Foreign Securities Fund (Class 2)
Goldman Sachs Variable Insurance Trust
(includes fund(s) listed below)
Goldman Sachs VIT Capital Growth Fund (Institutional)
Janus Aspen Series
(includes fund(s) listed below)
Janus Aspen Balanced Portfolio (Service)
Janus Aspen Forty Portfolio (Service)
Janus Aspen Worldwide Growth Portfolio (Service)
MFS® Variable Insurance Trustsm
(includes fund(s) listed below)
MFS® Investors Trust Series (Initial Class)
MFS® New Discovery Series (Initial Class)
MML Series Investment Fund Underlying Fund Prospectus and Statement of Additional Information
(includes fund(s) listed below)
MML Emerging Growth Fund
MML Equity Index Fund (Class II)
MML Growth Equity Fund
MML Large Cap Value Fund
MML NASDAQ-100® Fund2
MML Small Cap Growth Equity Fund
MML Series Investment Fund II Underlying Fund Prospectus and Statement of Additional Information
(includes fund(s) listed below)
MML Blend Fund
MML Enhanced Index Core Equity Fund
MML Equity Fund
MML Inflation-Protected and Income Fund3
MML Managed Bond Fund
MML Money Market Fund
MML Small Cap Equity Fund
MML Small Company Opportunities Fund
Oppenheimer Variable Account Funds
(includes fund(s) listed below)
Oppenheimer Capital Appreciation Fund/VA (Non-Service)
Oppenheimer Core Bond Fund/VA (Non-Service)
Oppenheimer Global Securities Fund/VA (Non-Service)
Oppenheimer High Income Fund/VA (Non-Service)
Oppenheimer Main Street Fund®/VA (Non-Service)
Oppenheimer MidCap Fund/VA (Non-Service)
Oppenheimer Strategic Bond Fund/VA (Non-Service)
Panorama Series Fund, Inc.
(includes fund(s) listed below)
Oppenheimer International Growth Fund/VA (Non-Service)
T. Rowe Price Equity Series, Inc.
(includes fund(s) listed below)
T. Rowe Price Blue Chip Growth Portfolio
T. Rowe Price Equity Income Portfolio
T. Rowe Price Mid-Cap Growth Portfolio4
1 Fund order does not imply relative risk and return potential.
2 Prior to November 30, 2007, known as MML OTC 100 Fund.
NASDAQ®, NASDAQ-100® and NASDAQ-100 Index® are trademarks of The NASDAQ Stock Market, Inc. (together with its affiliates, “NASDAQ”) and are licensed for use by the Fund. The Fund has not been passed on by NASDAQ as to its legality or suitability. The Fund is not issued, endorsed, sold or promoted by NASDAQ. NASDAQ MAKES NO WARRANTIES AND BEARS NO LIABILITY WITH RESPECT TO THE FUND.
3 Prior to May 1, 2008, known as MML Inflation-Protected Bond Fund.
4 The T. Rowe Price Mid-Cap Growth Portfolio is not available as an investment choice for contracts issued on May 1, 2004 or later.
* The current asset charge assessed on the separate account value is based on the total account value on each monthly charge date/or the number of years a policy has been in force. Although the current asset charge is assessed only against the separate account value, the current asset charge rate is determined by the total account value based on the following criteria: During policy years 1-15, if the total account value is $49,999.99 or less** (Tier 1), the asset charge is 1.00%; if the total account value is between $50,000 and $99,999.99 (Tier 2), the asset charge is 0.75% and if the total account value is $100,000 or greater (Tier 3), the asset charge is 0.50%. During policy years 16+ and beyond (Tier 4), the asset charge is 0.50% regardless of the account value. Even though the variable account value may change from day-to-day, the asset charge applied to the value invested in the Separate Account will only change on a monthly charge date when the account value has increased or decreased to a level that triggers the assessment of a different asset charge as shown above.
** In Maryland, for this account value, the asset charge is 0.90%.
Sales of all variable life insurance products must be preceded or accompanied by the current prospectuses for the products and their investment choices, which contain more information on charges, expenses, risks, and investment objectives. Please read them carefully before you invest or send money. These prospectuses are available through the above links. Contact your registered representative if you have any questions.
Principal Underwriter
MML Distributors, LLC
1295 State Street
Springfield, MA 01111-0001
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Wholly owned subsidiary of
Massachusetts Mutual Life Insurance Company
1295 State Street
Springfield, MA 01111-0001
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VUL Guard (policy form P3-2003 in most states and P3-2003NC in North Carolina) is issued by Massachusetts Mutual Life Insurance Company (MassMutual) in all states where available.
Not a bank or credit union deposit or obligation.
Not FDIC- or NCUA-insured.
Not insured by any government agency.
Not guaranteed by any bank or credit union.
May go down in value.
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