Apex VUL^®

* Individual Fund Footnotes:
American Funds Insurance Series® New World Fund® is available only for policies issued after April 19, 2024. 
American Funds Insurance Series® SMALLCAP World Fund® is available only for policies issued after April 19, 2024.
American Funds Insurance Series® SMALLCAP World Fund® formerly known as American Funds Insurance Series® Global Small Capitalization Fund.
American Funds Insurance Series® Washington Mutual Investors Fund is available only for policies issued after April 19, 2024.
Columbia Variable Portfolio – Contrarian Core Fund is available only for policies issued after April 19, 2024.
Fidelity, Contrafund and Fidelity Institutional AM are registered service marks of FMR LLC. Used with permission.
Janus Henderson Enterprise Portfolio is available only for policies issued after April 19, 2024. 
Janus Henderson Overseas Portfolio is available only for policies issued after April 19, 2024. 
MML VIP Aggressive Allocation Fund formerly known as MML Aggressive Allocation Fund.
MML VIP American Funds 65/35 Allocation Fund formerly known as MML American Funds Core Allocation Fund.
MML VIP American Funds Growth Fund formerly known as MML American Funds Growth Fund.
The MML VIP American Funds Growth Fund invests all of its assets in Class 1 shares of the American Funds Insurance Series® - Growth Fund. The American Funds Insurance Series® - Growth Fund is not available directly as investment choice under your MassMutual variable product. You should read the MML VIP American Funds Growth Fund prospectus in conjunction with the respective American Funds Insurance Series® - Growth Fund prospectus.
MML VIP Balanced Allocation Fund formerly known as MML Balanced Allocation Fund.
MML VIP Barings Core Bond Fund formerly known as MML Managed Bond Fund.
MML VIP Barings Inflation-Protected and Income Fund formerly known as MML Inflation-Protected and Income Fund.
MML VIP Barings Short-Duration Bond Fund formerly known as MML Short-Duration Bond Fund.
MML VIP Barings U.S. Government Money Market Fund formerly known as MML U.S. Government Money Market Fund.
MML VIP BlackRock® Balanced Fund formerly known as MML Blend Fund.
MML VIP BlackRock® Equity Index Fund formerly known as MML Equity Index Fund .
MML VIP Conservative Allocation Fund formerly known as MML Conservative Allocation Fund.
MML VIP Franklin Templeton Equity Fund formerly known as MML Equity Fund.
MML VIP Growth Allocation Fund formerly known as MML Growth Allocation Fund.
MML VIP Invesco Discovery Mid Cap Fund formerly known as MML Invesco Discovery Mid Cap Fund.
MML VIP Invesco Main Street Equity Fund formerly known as MML Fundamental Equity Fund.
MML VIP JPMorgan U.S. Research Enhanced Equity Fund formerly known as MML Managed Volatility Fund.
MML VIP Moderate Allocation Fund formerly known as MML Moderate Allocation Fund.
MML VIP T. Rowe Price Blue Chip Growth Fund formerly known as MML Blue Chip Growth Fund.
MML VIP T. Rowe Price Equity Income Fund formerly known as MML Equity Income Fund.
MML VIP T. Rowe Price Mid Cap Growth Fund formerly known as MML Mid Cap Growth Fund.
MML VIP Wellington Small Cap Growth Equity Fund formerly known as MML Small Cap Growth Equity Fund.
Nomura VIP Growth Series formerly known as Macquarie VIP Growth Series is available only for policies issued after April 19, 2024.
Vanguard VIF Morningstar Mid-Cap Index Portfolio formerly known as Vanguard VIF Mid-Cap Index Portfolio.

The product and/or certain features may not be available in all states.

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.

Apex Variable Universal Life® is non-participating, flexible premium, adjustable, variable life insurance issued by Massachusetts Mutual Life Insurance Company (MassMutual), Springfield, MA 01111-0001 and C.M. Life Insurance Company (C.M. Life), a wholly owned subsidiary of MassMutual. Apex is issued by MassMutual (MMVUL-2020 and ICC20-MMVUL in certain states, including North Carolina) in all states up to and including April 19, 2024 and in California and New York after April 19, 2024. Apex is issued by C.M. Life (CMVUL-2023 and ICC23-CMVUL in certain states, including North Carolina) in all other states after April 19, 2024.

Principal Underwriters: MML Strategic Distributors, LLC. and MML Investors Services, Members FINRA and SIPC (www.FINRA.org and www.SIPC.org) MML Strategic Distributors, LLC. and MML Investors Services are subsidiaries of Massachusetts Mutual Life Insurance Company, 1295 State Street, Springfield, MA 01111-0001.