Variable Insurance Funds

* These funds are underlying funds of MassMutual’s variable life and variable annuity products and are not available for retail sale.

**Individual Fund Footnotes:
The “American Century” name is the property of American Century Proprietary Holdings, Inc. and is being used by the Fund with the permission of American Century.
Prior to 11/14/25, the MML VIP American Century Mid Cap Value Fund’s name was MML Mid Cap Value Fund.
Prior to 11/14/25, the MML VIP American Century Small Company Value Fund’s name was MML Small Company Value Fund.
iShares® and BlackRock® are registered trademarks of BlackRock Finance, Inc. and its affiliates and are used under license.
Prior to 11/14/25, the MML VIP BlackRock iShares® 60/40 Allocation Fund’s name was MML iShares® 60/40 Allocation Fund.
Prior to 11/14/25, the MML VIP BlackRock iShares® 80/20 Allocation Fund’s name was MML iShares® 80/20 Allocation Fund.
Fidelity Institutional AM is a registered service mark of FMR LLC. Used with permission.
Prior to 11/14/25, the MML VIP Fidelity Institutional AM® Core Plus Bond Fund’s name was MML Total Return Bond Fund.
Prior to 11/14/25, the MML VIP Invesco Small Cap Equity Fund’s name was MML Small Cap Equity Fund.
Prior to 11/14/25, the MML VIP Loomis Sayles Large Cap Growth Fund’s name was MML Large Cap Growth Fund.
Prior to 11/14/25, the MML VIP MFS® International Equity Fund’s name was MML International Equity Fund.
Prior to 4/24/26, the MML VIP Aggressive Allocation Fund’s name was the MML Aggressive Allocation Fund.
Prior to 4/24/26, the MML VIP American Funds 65/35 Allocation Fund’s name was the MML American Funds Core Allocation Fund.
Prior to 4/24/26, the MML VIP American Funds Growth Fund’s name was the MML American Funds Growth Fund.
Prior to 4/24/26, the MML VIP Balanced Allocation Fund’s name was the MML Balanced Allocation Fund.
Prior to 4/24/26, the MML VIP Barings Core Bond Fund’s name was the MML Managed Bond Fund.
Prior to 4/24/26, the MML VIP Barings Inflation-Protected and Income Fund’s name was the MML Inflation-Protected and Income Fund.
Prior to 4/24/26, the MML VIP Barings Short-Duration Bond Fund’s name was the MML Short-Duration Bond Fund.
Prior to 4/24/26, the MML VIP Barings U.S. Government Money Market Fund’s name was the MML U.S. Government Money Market Fund.
Prior to 4/24/26, the MML VIP BlackRock® Balanced Fund’s name was the MML Blend Fund.
Prior to 4/24/26, the MML VIP BlackRock® Equity Index Fund’s name was the MML Equity Index Fund.
Prior to 4/24/26, the MML VIP Conservative Allocation Fund’s name was the MML Conservative Allocation Fund.
Brandywine Global Investment Management, LLC doing business as “Franklin Templeton” is part of the Franklin Templeton family of companies.
Prior to 4/24/26, the MML VIP Franklin Templeton Equity Fund’s name was the MML Equity Fund.
Prior to 4/24/26, the MML VIP Growth Allocation Fund’s name was the MML Growth Allocation Fund.
Prior to 4/24/26, the MML VIP Invesco Discovery Large Cap Fund’s name was the MML Invesco Discovery Large Cap Fund.
Prior to 4/24/26, the MML VIP Invesco Discovery Mid Cap Fund’s name was the MML Invesco Discovery Mid Cap Fund.
Prior to 4/24/26, the MML VIP Invesco Global Fund’s name was the MML Global Fund.
Prior to 4/24/26, the MML VIP Invesco Main Street Equity Fund’s name was the MML Fundamental Equity Fund.
Prior to 4/24/26, the MML VIP JPMorgan U.S. Research Enhanced Equity Fund’s name was the MML Managed Volatility Fund.
Prior to 4/24/26, the MML VIP Moderate Allocation Fund’s name was the MML Moderate Allocation Fund.
Prior to 4/24/26, the MML VIP T. Rowe Price Blue Chip Growth Fund’s name was the MML Blue Chip Growth Fund.
Prior to 4/24/26, the MML VIP T. Rowe Price Equity Income Fund’s name was the MML Equity Income Fund.
Prior to 4/24/26, the MML VIP T. Rowe Price Mid Cap Growth Fund’s name was the MML Mid Cap Growth Fund.
Prior to 4/24/26, the MML VIP Wellington Small Cap Growth Equity Fund’s name was the MML Small Cap Growth Equity Fund.

Investors should consider funds’ objectives, risks, fees, and expenses carefully before investing. This and other information can be found in the funds’ prospectuses or summary prospectuses, which are available here or from MassMutual by calling 1-888-309-3539. Please read them carefully before investing.

Principal Underwriter: MML Distributors, LLC (MMLD), 1295 State Street, Springfield, MA 01111-0001. Member FINRA and member SIPC (www.FINRA.org and www.SIPC.org). Investment advisory services are provided to the funds by MML Investment Advisers, LLC (MML Advisers). MMLD and MML Advisers are subsidiaries of Massachusetts Mutual Life Insurance Company, 1295 State Street, Springfield, MA 01111-0001.

Please call 1-888-309-3539 or email fundinfo@massmutual.com to report problems accessing the fund summary prospectuses, prospectuses, statements of additional information, annual/semi-annual reports, Q1/Q3 portfolio holdings, and annual/semi-annual financial statements and other information documents (“disclosure documents”), problems with saving or printing these online disclosure documents, and/or any other technological issues that may arise related to viewing the online disclosure documents.