Form 497VPU MASSACHUSETTS MUTUAL
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E-mailSupplement dated November 17, 2025
to the Prospectus and Updating Summary Prospectus each dated April 28, 2025, as supplemented, for:
Variable Universal Life III
Issued by Massachusetts Mutual Life Insurance Company
THIS SUPPLEMENT MUST BE READ IN CONJUNCTION WITH YOUR PROSPECTUS.
PLEASE RETAIN THIS SUPPLEMENT FOR FUTURE REFERENCE.
This supplement amends certain information in the above-referenced prospectuses:
Fund Additions
Beginning November 17, 2025, the following funds are added to Appendix A as investment options under your policy:
| Fund Type | Fund and Adviser/Sub-Adviser | Current Expenses (expenses/ average assets) |
Average Annual Total Returns (as of 12/31/2024) | ||
| 1 Year | 5 Year | 10 Year | |||
| Small/Mid-Cap Growth | MML Invesco Discovery Mid Cap Fund (Class II)** Adviser: MML Investment Advisers, LLC Sub-Adviser: Invesco Advisers, Inc. |
0.83% | -- | -- | -- |
| Large Cap Growth | MML Invesco Discovery Large Cap Fund (Class II)** Adviser: MML Investment Advisers, LLC Sub-Adviser: Invesco Advisers, Inc. |
0.74% | -- | -- | -- |
| Large Cap Blend | MML Fundamental Equity Fund (Class II) Adviser: MML Investment Advisers, LLC Sub-Adviser: Invesco Advisers, Inc. |
0.80%* | 23.71% | 13.21% | 13.43% |
*This Fund is subject to an expense reimbursement or fee waiver arrangement. As a result, this Fund’s annual expenses reflect temporary expense reductions. See the Fund prospectus for additional information.
**The expenses are based on estimated amounts for the current fiscal year of the Fund. The Fund has not been in operation for a full calendar year, and therefore has no performance history. Performance history will be available for the Fund after it has been in operation for one calendar year.
| page 1 of 2 | PS25_16 |
Fund Name Changes
| Effective November 14, 2025, the following funds were renamed: |
| Current Fund Name | New Fund Name |
| MML Mid Cap Value Fund | MML VIP American Century Mid Cap Value Fund |
| MML Small Cap Equity Fund | MML VIP Invesco Small Cap Equity Fund |
If you have questions about this supplement, or other product questions, you may contact your registered representative, visit us online at www.MassMutual.com/contact-us, or call our Administrative Office at (800) 272-2216, 8 a.m.–8 p.m. Eastern Time.
For more information about the funds, read each fund prospectus. Prospectuses are available on our website at www.MassMutual.com.
| page 2 of 2 | PS25_16 |
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