MassMutual Electrum SM (SL18)

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.

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

*Individual Fund Footnotes:
The BNY Mellon MidCap Stock Portfolio formerly known Dreyfus MidCap Stock Portfolio
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 International Growth Fund/VA merged into Invesco Oppenheimer V.I. International Growth Fund.
Effective May 28, 2019, Oppenheimer Main Street Fund/VA merged into Invesco Oppenheimer V.I. Main Street Fund.
MFS® International Intrinsic Value Portfolio formerly known as MFS® International Value Portfolio.
The MML 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 American Funds® Growth Fund prospectus in conjunction with the respective American Funds Insurance Series® - Growth Fund prospectus.
The MML American Funds® International Fund invests all of its assets in Class 1 shares of the American Funds Insurance Series® – International Fund. The American Funds Insurance Series® - International Fund is not available directly as investment choice under your MassMutual variable product. You should read the MML American Funds® International Fund prospectus in conjunction with the respective American Funds Insurance Series® – International Fund prospectus.

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 ElectrumSM (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 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