MassMutual Electrum ^SM (SL18)

*Individual Fund Footnotes:
Effective May 1, 2023, The LVIP JPMorgan U.S. Equity Fund will be closed to new investors.
Effective May 1, 2021, the Lord Abbett Developing Growth Portfolio is closed to new investors.
Effective May 1, 2021, the MML VIP BlackRock® Equity Index Fund formerly known as MML Equity Index Fund is closed to new investors.
Effective May 1, 2021, the Voya International Index Portfolio is closed to new investors.
Effective May 1, 2021, the Voya RussellTM Mid Cap Index Portfolio is closed to new investors.
Effective May 1, 2021, the Voya RussellTM Small Cap Index Portfolio is closed to new investors. Fidelity, Contrafund and Fidelity Institutional AM are registered service marks of FMR LLC. Used with permission.
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 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.
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 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 Global Fund formerly known as MML Global 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.

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.

MassMutual Electrum^SM (Policy Forms SL18, ICC16SL18 and ICC16SL18 in North Carolina) is flexible premium, variable, adjustable life insurance. This product is not participating. MassMutual Electrum is issued by Massachusetts Mutual Life Insurance Company, Springfield, MA 01111-0001.

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