LifeTrust

Underlying Fund Disclosure Documents1:
Select any fund name below to view the fund’s Summary Prospectus (if available), Prospectus, Statement of Additional Information, Annual/Semiannual Reports, or additional information if noted.
Please note that any fund summary prospectuses, and hyperlinks provided between the summary prospectuses and other fund documents, are provided here for the convenience of MassMutual's customers. Additional information about a fund, including the information a fund is required to make available to you in connection with its use of a summary prospectus, can be found at the website address provided in each summary prospectus.

OPPENHEIMER VARIABLE ACCOUNT FUNDS

MML SERIES INVESTMENT FUND II

We no longer offer these contracts for sale to the public. Contract owners may continue, however, to make purchase payments to their contract.

1 Fund order does not imply relative risk and return potential.

* Individual Fund Footnotes:
Effective May 28, 2019, Oppenheimer Capital Appreciation Fund/VA merged into Invesco Oppenheimer V.I. Capital Appreciation Fund.
Effective May 28, 2019, Oppenheimer Conservative Balanced Fund/VA merged into Invesco Oppenheimer V.I. Conservative Balanced Fund. Invesco Oppenheimer V.I. Conservative Balanced Fund is is unavailable in contracts issued on or after May 1, 2009. For contracts issued prior to May 1, 2009, you may not allocate any new money to this fund via purchase payments or transfers.
Effective May 28, 2019, Oppenheimer Discovery Mid Cap Growth Fund/VA merged into Invesco Oppenheimer V.I. Discovery Mid Cap Growth Fund.
Effective May 28, 2019, Oppenheimer Global Fund/VA merged into Invesco Oppenheimer V.I. Global Fund.
Effective May 28, 2019, Oppenheimer Global Strategic Income Fund/VA merged into Invesco Oppenheimer V.I. Global Strategic Income Fund.
Effective May 28, 2019, Oppenheimer Government Money Fund/VA merged into Invesco Oppenheimer V.I. Government Money Fund. Invesco Oppenheimer V.I. Government Money Fund is unavailable in contracts issued on or after January 19, 2008.
Effective May 28, 2019, Oppenheimer Main Street Fund/VA merged into Invesco Oppenheimer V.I. Main Street Fund.
Effective May 28, 2019, Oppenheimer Main Street Small Cap Fund/VA merged into Invesco Oppenheimer V.I. Main Street Small Cap Fund.
Effective May 28, 2019, Oppenheimer Total Return Bond Fund/VA merged into Invesco Oppenheimer V.I. Total Return Bond Fund. Invesco Oppenheimer V.I. Total Return Bond Fund is unavailable in contracts issued on or after May 1, 2009. For contracts issued prior to May 1, 2009, you may not allocate any new money to this fund via purchase payments or transfers.

Before purchasing a MassMutual variable annuity, you should carefully consider the investment objectives, risks, charges and expenses of the annuity. For this and other information, obtain the prospectus for the annuity from your registered representative. Please read the prospectus carefully before investing or sending money. You may also obtain the prospectuses (or summary prospectuses, if available) for the annuity’s underlying investment choices from your registered representative.

LifeTrust [Contract Form # B980-9400; B980-NC-9400 (NC)][w/fixed account & market value adjustment:Contract Form #: B990-9400; B990-NC- 9400 (NC)] is a variable annuity contract and was issued by Massachusetts Mutual Life Insurance Company in CA, CT, MA, ME, NY, TX, and VA, and by MML Bay State Life Insurance Company in all other states. MML Bay State Life Insurance Company, Enfield, CT 06082 is a subsidiary of Massachusetts Mutual Life Insurance Company, Springfield, MA 01111.

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.

Not FDIC/NCUA Insured Not a Bank Deposit Not Bank Guaranteed
May Lose Value Not Insured by Any Federal Government Agency