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      VUL GuardSM

      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 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.

      Current Unit Values

      Please contact the Service Center at 1 (800) 272-2216 between 8 a.m. and 8 p.m. (ET - Monday through Friday) to obtain the current unit values.

      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:

      Janus Henderson Balanced Portfolio formerly known as Janus Aspen Balanced Portfolio.

      Janus Henderson Forty Portfolio formerly known as Janus Aspen Forty Portfolio.

      Janus Henderson Global Research Portfolio formerly known as Janus Aspen Global Research Portfolio.

      Oppenheimer Total Return Bond Fund/VA formerly known as Oppenheimer Core Bond Fund/VA.

      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 Investors Services, LLC (MMLIS), Member SIPC® (www.SIPC.org), and MML Strategic Distributors, LLC (MSD). MMLIS and MSD, both Members FINRA (www.FINRA.org) 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
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