VUL Guard SM

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.

AIM VARIABLE INSURANCE FUNDS (INVESCO VARIABLE INSURANCE FUNDS)

AMERICAN CENTURY VARIABLE PORTFOLIOS, INC.

AMERICAN FUNDS INSURANCE SERIES®

DEUTSCHE DWS INVESTMENTS VIT FUNDS

FIDELITY® VARIABLE INSURANCE PRODUCTS FUND

FRANKLIN TEMPLETON VARIABLE INSURANCE PRODUCTS TRUST

GOLDMAN SACHS VARIABLE INSURANCE TRUST

JANUS ASPEN SERIES

MFS® VARIABLE INSURANCE TRUST

MML SERIES INVESTMENT FUND

MML SERIES INVESTMENT FUND II

OPPENHEIMER VARIABLE ACCOUNT FUNDS

T. ROWE PRICE EQUITY SERIES, INC.

We no longer offer these policies for sale to the public. Policy owners may continue, however, to make premium payments to their policies.

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

* Individual Fund Footnotes:
Invesco V.I. Health Care Fund formerly known as Invesco V.I. Global Health Care Fund
DWS Small Cap Index VIP formerly known as Deutsche Small Cap Index VIP
The T. Rowe Price Mid-Cap Growth Portfolio is not available as an investment choice for policies issued on May 1, 2004 or later.

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.

VUL GuardSM (Policy Form P3-2003 in most states and P3-2003(NC) in North Carolina) is an individual, participating, flexible premium, adjustable, variable life insurance policy. Dividends are not expected to be paid. VUL GuardSM was issued by Massachusetts Mutual Life Insurance Company (MassMutual), Springfield, MA 01111-0001. We no longer offer this policy for sale to the public. Policy owners may continue, however, to make premium payments to their policies.

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