Panorama Plus

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.

FIDELITY® VARIABLE INSURANCE PRODUCTS FUND

MML SERIES INVESTMENT FUND

MML SERIES INVESTMENT FUND II

OPPENHEIMER VARIABLE ACCOUNT FUNDS

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:
Oppenheimer Conservative Balanced Fund/VA 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.
Oppenheimer Total Return Bond Fund/VA 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.

Panorama Plus (form number PANA+192) is a variable annuity issued by C.M. Life Insurance Company. C.M. 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