Form 497VPU MASSACHUSETTS MUTUAL
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E-mailSupplement dated November 17, 2025
to the Prospectuses, Initial Summary Prospectuses, and Updating Summary Prospectuses each dated April 28, 2025, as supplemented, for:
Apex VUL®
On or prior to April 19, 2024, issued by Massachusetts Mutual Life Insurance Company in all states.
After April 19, 2024, issued by Massachusetts Mutual
Life Insurance Company in California and New York
and C.M. Life Insurance Company in all other states.
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 fund is added to Appendix A as an investment option 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% | -- | -- | -- |
**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_15 |
Fund Name Changes and Sub-Adviser Changes
| • | Effective November 14, 2025, the following funds were renamed and the following fund sub-adviser changes occurred: |
| Current Fund Name | New Fund Name |
|
MML International Equity Fund Adviser: MML Investment Advisers, LLC Sub-Advisers: Massachusetts Financial Services Company and Harris Associates L.P. |
MML VIP MFS International Equity Fund Adviser: MML Investment Advisers, LLC Sub-Adviser: Massachusetts Financial Services Company |
|
MML Total Return Bond Fund Adviser: MML Investment Advisers, LLC Sub-Adviser: Metropolitan West Asset Management, LLC |
MML VIP Fidelity Institutional AM® Core Plus Bond Fund Adviser: MML Investment Advisers, LLC Sub-Adviser: FIAM LLC |
| • | Effective November 14, 2025, the following funds were renamed: |
| Current Fund Name | New Fund Name |
| MML iShares® 60/40 Allocation Fund | MML VIP BlackRock iShares® 60/40 Fund |
| MML iShares® 80/20 Allocation Fund | MML VIP BlackRock iShares® 80/20 Fund |
| MML Large Cap Growth Fund | MML VIP Loomis Sayles Large Cap Growth Fund |
| 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 |
| MML Small Company Value Fund | MML VIP American Century Small Company Value Fund |
| • | Effective on or about December 1, 2025, the following funds will be renamed and the following fund sub-adviser changes will occur: |
| Current Fund Name | New Fund Name |
|
Macquarie VIP Asset Strategy Series Adviser: Delaware Management Company Sub-Advisers: Macquarie Investment Management Austria Kapitalanlage AG, Macquarie Investment Management Europe Limited, and Macquarie Investment Management Global Limited |
Nomura VIP Asset Strategy Series Adviser: Delaware Management Company Sub-Advisers: Nomura Investment Management Austria Kapitalanlage AG and Macquarie Investment Management Global Limited |
|
Macquarie VIP Growth Series Adviser: Delaware Management Company Sub-Adviser: Macquarie Investment Management Global Limited |
Nomura VIP Growth Series Adviser: Delaware Management Company Sub-Adviser: N/A |
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_15 |
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