¹ Tax deferral is automatically provided by tax-qualified retirement plans, including IRAs. There is no additional tax-deferral benefit provided when an annuity contract is used to fund a tax-qualified retirement plan or an IRA. Investors should only consider buying this contract in conjunction with a tax-qualified retirement plan or an IRA for the annuity’s insurance features such as lifetime income payments.

² Some types of annuities limit the potential you can earn. They allow some growth, but only up to a limit, often known as a “cap rate.” A variable annuity is different in that there is no limit to your earnings in accordance with the performance of the underlying investments- they are “uncapped”. When you elect RetirePay, your investment allocations are restricted so you may not experience the full risk or return potential of the market.

This material does not constitute a recommendation to engage in or refrain from a particular course of action.

The information provided is not written or intended as specific tax or legal advice. MassMutual and its subsidiaries, employees and representatives are not authorized to give tax or legal advice. Individuals are encouraged to seek advice from their own tax or legal counsel.

Before purchasing MassMutual Envision, you should carefully consider the investment objectives, risks, charges, and expenses of the variable annuity. For this and other information, obtain the MassMutual Envision prospectus (or summary prospectus, if available) 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 or online at www.MassMutual.com/envision.

This product and/or certain features and investment options may not be available in all states or firms.

MassMutual Envision (Contract Form FPVDA21 and ICC21-FPVDA in certain states, including North Carolina) is a flexible premium deferred variable annuity contract issued by Massachusetts Mutual Life Insurance Company, Springfield, MA 01111-0001.

Variable annuities offered through registered representatives of MML Investors Services, LLC, Springfield, MA 01111-0001 or a broker-dealer that has a selling agreement with MML Strategic Distributors, LLC, Springfield, MA 01111-0001.

Principal Underwriters: MML Investors Services, LLC (MMLIS), Member SIPC®, and MML Strategic Distributors, LLC (MSD), are both Members FINRA and subsidiaries of Massachusetts Mutual Life Insurance Company, Springfield, MA 01111-0001.

NOT A BANK OR CREDIT UNION DEPOSIT OR OBLIGATION • NOT FDIC OR NCUA INSURED • MAY LOSE VALUE. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY • NOT GUARANTEED BY ANY BANK OR CREDIT UNION

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