VUL Guard SM

Underlying Fund Disclosure Documents

Fund order does not imply relative risk and return potential.

AIM VARIABLE INSURANCE FUNDS (INVESCO VARIABLE INSURANCE FUNDS)

Invesco Oppenheimer V.I. International Growth Fund (Series I)
Summary Prospectus | Prospectus | Annual Report | Semi-Annual Report | Statement of Additional Information |
Portfolio Holdings: Q1 | Q3

Invesco V.I. Capital Appreciation Fund (Series I)*
Summary Prospectus | Prospectus | Annual Report | Semi-Annual Report | Statement of Additional Information |
Portfolio Holdings: Q1 | Q3

Invesco V.I. Core Bond Fund (Series I)*
Summary Prospectus | Prospectus | Annual Report | Semi-Annual Report | Statement of Additional Information |
Portfolio Holdings: Q1 | Q3

Invesco V.I. Discovery Mid Cap Growth Fund (Series I)*
Summary Prospectus | Prospectus | Annual Report | Semi-Annual Report | Statement of Additional Information |
Portfolio Holdings: Q1 | Q3

Invesco V.I. Diversified Dividend Fund (Series I)
Summary Prospectus | Prospectus | Annual Report | Semi-Annual Report | Statement of Additional Information |
Portfolio Holdings: Q1 | Q3

Invesco V.I. Global Fund (Series I)*
Summary Prospectus | Prospectus | Annual Report | Semi-Annual Report | Statement of Additional Information |
Portfolio Holdings: Q1 | Q3

Invesco V.I. Global Strategic Income Fund (Series I)*
Summary Prospectus | Prospectus | Annual Report | Semi-Annual Report | Statement of Additional Information |
Portfolio Holdings: Q1 | Q3

Invesco V.I. Health Care Fund (Series I)
Summary Prospectus | Prospectus | Annual Report | Semi-Annual Report | Statement of Additional Information |
Portfolio Holdings: Q1 | Q3

Invesco V.I. Main Street Fund® (Series I)*
Summary Prospectus | Prospectus | Annual Report | Semi-Annual Report | Statement of Additional Information |
Portfolio Holdings: Q1 | Q3

Invesco V.I. Technology Fund (Series I)
Summary Prospectus | Prospectus | Annual Report | Semi-Annual Report | Statement of Additional Information |
Portfolio Holdings: Q1 | Q3

AMERICAN CENTURY VARIABLE PORTFOLIOS, INC.

American Century VP Disciplined Core Value Fund (Class I)
Summary Prospectus | Prospectus | Annual Report | Semi-Annual Report | Statement of Additional Information |
Portfolio Holdings: Q1 | Q3

American Century VP Value Fund (Class I)
Summary Prospectus | Prospectus | Annual Report | Semi-Annual Report | Statement of Additional Information |
Portfolio Holdings: Q1 | Q3

AMERICAN FUNDS INSURANCE SERIES®

American Funds Insurance Series® Asset Allocation Fund (Class 2)
Summary Prospectus | Prospectus | Annual Report | Semi-Annual Report | Statement of Additional Information |
Portfolio Holdings: Q1 | Q3

American Funds Insurance Series® Growth-Income Fund (Class 2)
Summary Prospectus | Prospectus | Annual Report | Semi-Annual Report | Statement of Additional Information |
Portfolio Holdings: Q1 | Q3

DEUTSCHE DWS INVESTMENTS VIT FUNDS

DWS Small Cap Index VIP (Class A)
Summary Prospectus | Prospectus | Annual Report | Semi-Annual Report | Statement of Additional Information |
Portfolio Holdings: Q1 | Q3

FIDELITY® VARIABLE INSURANCE PRODUCTS FUND

Fidelity® VIP Contrafund® Portfolio (Service Class 2)
Summary Prospectus | Prospectus | Annual Report | Semi-Annual Report | Statement of Additional Information |
Portfolio Holdings: Q1 | Q3

FRANKLIN TEMPLETON VARIABLE INSURANCE PRODUCTS TRUST

Franklin Small Cap Value VIP Fund (Class 2)
Summary Prospectus | Prospectus | Annual Report | Semi-Annual Report | Statement of Additional Information |
Portfolio Holdings: Q1 | Q3

Templeton Foreign VIP Fund (Class 2)
Summary Prospectus | Prospectus | Annual Report | Semi-Annual Report | Statement of Additional Information |
Portfolio Holdings: Q1 | Q3

GOLDMAN SACHS VARIABLE INSURANCE TRUST

Goldman Sachs Strategic Growth Fund (Institutional)
Summary Prospectus | Prospectus | Annual Report | Semi-Annual Report | Statement of Additional Information |
Portfolio Holdings: Q1 | Q3

JANUS ASPEN SERIES

Janus Henderson Balanced Portfolio (Service)
Summary Prospectus | Prospectus | Annual Report | Semi-Annual Report | Statement of Additional Information |
Portfolio Holdings: Q1 | Q3

Janus Henderson Forty Portfolio (Service)
Summary Prospectus | Prospectus | Annual Report | Semi-Annual Report | Statement of Additional Information |
Portfolio Holdings: Q1 | Q3

Janus Henderson Global Research Portfolio (Service)
Summary Prospectus | Prospectus | Annual Report | Semi-Annual Report | Statement of Additional Information |
Portfolio Holdings: Q1 | Q3

MFS® VARIABLE INSURANCE TRUST

MFS® Investors Trust Series (Initial Class)
Summary Prospectus | Prospectus | Annual Report | Semi-Annual Report | Statement of Additional Information |
Portfolio Holdings: Q1 | Q3

MFS® New Discovery Series (Initial Class)
Summary Prospectus | Prospectus | Annual Report | Semi-Annual Report | Statement of Additional Information |
Portfolio Holdings: Q1 | Q3

MML SERIES INVESTMENT FUND

MML Blue Chip Growth Fund (Initial Class)
Summary Prospectus | Prospectus | Annual Report | Semi-Annual Report | Statement of Additional Information |
Portfolio Holdings: Q1 | Q3

MML Equity Index Fund (Class II)
Summary Prospectus | Prospectus | Annual Report | Semi-Annual Report | Statement of Additional Information |
Portfolio Holdings: Q1 | Q3

MML Managed Volatility Fund (Initial Class)
Summary Prospectus | Prospectus | Annual Report | Semi-Annual Report | Statement of Additional Information |
Portfolio Holdings: Q1 | Q3

MML Small Cap Growth Equity Fund (Initial Class)
Summary Prospectus | Prospectus | Annual Report | Semi-Annual Report | Statement of Additional Information |
Portfolio Holdings: Q1 | Q3

MML SERIES INVESTMENT FUND II

MML Blend Fund (Initial Class)
Summary Prospectus | Prospectus | Annual Report | Semi-Annual Report | Statement of Additional Information |
Portfolio Holdings: Q1 | Q3

MML Equity Fund (Initial Class)
Summary Prospectus | Prospectus | Annual Report | Semi-Annual Report | Statement of Additional Information |
Portfolio Holdings: Q1 | Q3

MML Inflation-Protected and Income Fund (Initial Class)
Summary Prospectus | Prospectus | Annual Report | Semi-Annual Report | Statement of Additional Information | Information Statement |
Portfolio Holdings: Q1 | Q3

MML Managed Bond Fund (Initial Class)
Summary Prospectus | Prospectus | Annual Report | Semi-Annual Report | Statement of Additional Information | Information Statement |
Portfolio Holdings: Q1 | Q3

MML Small Cap Equity Fund (Initial Class)
Summary Prospectus | Prospectus | Annual Report | Semi-Annual Report | Statement of Additional Information |
Portfolio Holdings: Q1 | Q3

MML U.S. Government Money Market Fund (Initial Class)
Summary Prospectus | Prospectus | Annual Report | Semi-Annual Report | Statement of Additional Information

T. ROWE PRICE EQUITY SERIES, INC.

T. Rowe Price Blue Chip Growth Portfolio
Summary Prospectus | Prospectus | Annual Report | Semi-Annual Report | Statement of Additional Information |
Portfolio Holdings: Q1 | Q3

T. Rowe Price Equity Income Portfolio
Summary Prospectus | Prospectus | Annual Report | Semi-Annual Report | Statement of Additional Information |
Portfolio Holdings: Q1 | Q3

T. Rowe Price Mid-Cap Growth Portfolio*
Summary Prospectus | Prospectus | Annual Report | Semi-Annual Report | Statement of Additional Information |
Portfolio Holdings: Q1 | Q3

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

* Individual Fund Footnotes:
American Century VP Disciplined Core Value Fund formerly known as American Century VP Income & Growth Fund.
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