# EDGAR Filing Document

**Accession Number:** 0001052766
**File Stem:** 0001133228-25-010645
**Filing Date:** 2025-10
**Character Count:** 19686
**Document Hash:** 643e197a3affb2a1acdf73d4f7f374a4
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001133228-25-010645.hdr.sgml**: 20251006

**ACCESSION NUMBER**: 0001133228-25-010645

**CONFORMED SUBMISSION TYPE**: 497VPU

**PUBLIC DOCUMENT COUNT**: 1

**FILED AS OF DATE**: 20251006

**DATE AS OF CHANGE**: 20251006

**EFFECTIVENESS DATE**: 20251006

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** MASSACHUSETTS MUTUAL VARIABLE ANNUITY SEPARATE ACCOUNT 4
- **CENTRAL INDEX KEY:** 0001052766

**ORGANIZATION NAME:**
- **EIN:** 000000000
- **STATE OF INCORPORATION:** MA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 497VPU
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-112626
- **FILM NUMBER:** 251377624

**BUSINESS ADDRESS:**
- **STREET 1:** 1295 STATE STREET
- **STREET 2:** M243
- **CITY:** SPRINGFIELD
- **STATE:** MA
- **ZIP:** 01111
- **BUSINESS PHONE:** 8605622420

**MAIL ADDRESS:**
- **STREET 1:** 1295 STATE STREET
- **STREET 2:** M243
- **CITY:** SPRINGFIELD
- **STATE:** MA
- **ZIP:** 01111

## Series and Classes Contracts Data

### MASSACHUSETTS MUTUAL VARIABLE ANNUITY SEPARATE ACCOUNT 4 (Series ID: S000007826)

| Class ID   | Class Name                    | Ticker Symbol   |
|:---|:---|:---|
| C000021315 | MassMutual Transitions Select |  |

**Supplement dated October 6, 2025**

**to the Prospectus and Updating Summary Prospectus,<br> each dated April 28, 2025 (each a "Prospectus"), as supplemented, for:**

**MassMutual Transitions Select<sup>SM</sup>** *Issued by Massachusetts Mutual Life Insurance Company*

 

**THIS SUPPLEMENT MUST BE READ IN CONJUNCTION WITH YOUR PROSPECTUS.**

**PLEASE RETAIN THIS SUPPLEMENT FOR FUTURE REFERENCE.**

**NOTICE OF FUND SUBSTITUTION**

The purpose of this Supplement is to announce various fund changes. Capitalized terms used in this Supplement are defined in your Prospectus unless otherwise defined here. "We," "Us," or "Our" refer to Massachusetts Mutual Life Insurance Company. "You" or "Your" refer to the Owner of the Contract.

At the close of the New York Stock Exchange ("NYSE") on or about November 14, 2025 (the "Substitution Date"), in accordance with applicable law, shares of the following Existing Funds will be replaced with shares of the following Replacement Funds (the "Substitutions"), set forth in the table below:

**Pre-2008 Version (for Contracts applied for prior to 9/8/2008 or in states where the 2008 Version was unavailable)**

---

| | |
|:---|:---|
| **Existing Fund (Share Class)** | **Replacement Fund (Share Class)** |
| Invesco V.I. Discovery Large Cap Fund (Series I) | MML Invesco Discovery Large Cap Fund (Class II) |
| Invesco V.I. Discovery Mid Cap Growth Fund (Series I) | MML Invesco Discovery Mid Cap Fund (Class II) |
| Invesco V.I. Main Street Fund<sup>®</sup> (Series I) | MML Fundamental Equity Fund (Class II) |

---

 

**2008 Version (for Contracts applied for on or after 9/8/2008, subject to state availability)**

---

| | |
|:---|:---|
| **Existing Fund (Share Class)** | **Replacement Fund (Share Class)** |
| Invesco V.I. Discovery Large Cap Fund (Series II) | MML Invesco Discovery Large Cap Fund (Service Class I) |
| Invesco V.I. Discovery Mid Cap Growth Fund (Series II) | MML Invesco Discovery Mid Cap Fund (Service Class I) |
| Invesco V.I. Main Street Fund<sup>®</sup> (Series II) | MML Fundamental Equity Fund (Service Class I) |

---

*page 1 of 7* <br>PS25_31

**Transfer of Contract Value from the Existing Fund**

On the Substitution Date, all Contract Value in any Sub-Account investing in an Existing Fund will automatically be reallocated to the Sub-Account investing in the corresponding Replacement Fund. Such reallocation will not count toward transfer limits imposed by Our frequent trading and market timing policies. After the Substitution Date, You may not make any allocations to the Sub-Accounts investing in an Existing Fund, and such Sub-Accounts will no longer be available for investment under the Contract.

The Substitutions will occur at the relative net asset values of the Existing Funds' and Replacement Funds' shares. Your Contract Value immediately prior to the Substitutions will equal Your Contract Value immediately after the Substitutions. There will not be any tax consequences for You as a result of the Substitutions. The Substitutions will be performed at no cost to You. The fees and charges under Your Contract will not increase as a result of the Substitutions. The overall fees and expenses of each Replacement Fund are equal to or less than those of the corresponding Existing Fund. Your rights and Our obligations will not be altered in any way.

If Your Contract Value is automatically transferred on the Substitution Date, You will receive a confirmation showing the transfer of Your Contract Value from each Sub-Account that invests in an Existing Fund to the Sub-Account that invests in the corresponding Replacement Fund.

**Impact on Transaction Requests**

The Sub-Accounts that invest in the Existing Funds will continue to be available for purchase payments, allocation elections, transfers and withdrawals until the close of the NYSE on the Substitution Date. Any purchase payment, allocation election, transfer, or withdrawal request involving a Sub-Account that invests in an Existing Fund on or after the Substitution Date will default to the Sub-Account that invests in the corresponding Replacement Fund.

**Impact on Future Purchase Payment Allocations**

On the Substitution Date, each Replacement Fund will automatically replace the corresponding Existing Fund under Your purchase payment allocation instructions.

If You do not wish to have Your future purchase payments allocated to any of the Replacement Funds, You must send a request in Good Order to Our Service Center to change Your purchase payment allocation instructions.

**Impact on Automatic Programs**

On the Substitution Date, the Replacement Funds will automatically replace the corresponding Existing Funds in all of the following automatic programs for which an Existing Fund has been selected as an investment option:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Automatic
 Investment Plan

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Automatic
 Rebalancing Program\*

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Systematic
 Withdrawal Program

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Interest
 Sweep Option

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Fixed
 Accounts for Dollar Cost Averaging ("DCA Fixed Account")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Separate
 Account Dollar Cost Averaging Program\*

You may change Your automatic program elections by submitting a request in Good Order to Our Service Center.

***\**** *If You currently transfer Contract Value from a Sub-Account that invests in an Existing Fund to a Sub-Account that invests in the corresponding Replacement Fund (or vice versa) as part of Your Automatic Rebalancing Program or Separate Account Dollar Cost Averaging Program, Your program may terminate effective as of the Substitution Date unless You change the investment choices used in that program prior to that date.*

*page 2 of 7* <br>PS25_31

**Transfer Rights**

On the Substitution Date, any Contract Value remaining in a Sub-Account that invests in an Existing Fund will be automatically reallocated to the Sub-Account that invests in the corresponding Replacement Fund.

From the date of this Supplement until the Substitution Date, You may transfer Your Contract Value allocated to a Sub-Account that invests in an Existing Fund to any other Sub-Account available under Your Contract free of charge. Please note, however, that the investment restrictions applicable to any benefit under the Contract continue to apply during this time period.

For 30 calendar days following the Substitution Date, You may transfer Your Contract Value allocated to a Sb-Account that invests in a Replacement Fund to any other Sub-Account available under Your Contract free of charge. Please note, however, that the investment restrictions applicable to any benefit under the Contract continue to apply during this time period.

Such transfers will not count as a transfer for purposes of any limitation on the number of transfers permitted under Your Contract or transfer limits imposed by Our frequent trading and market timing policies. We will not charge a transfer fee for such transfers.

From the date of this Supplement to the Substitution Date, and for 30 calendar days after the Substitution Date, We will not exercise any rights reserved under the Contract to impose additional restrictions on transfers between Sub-Accounts.

**Impact on Allocation Programs for Optional Features**

If You are participating in the Custom Allocation Choice/Custom Allocation Choice Select Program in connection with an optional feature, any Contract Value remaining in an Existing Fund will be automatically transferred to the corresponding Replacement Fund on the Substitution Date.

If You do not want Your Contract Value in an Existing Fund to be automatically transferred to the corresponding Replacement Fund, We must receive Your request (in Good Order) at Our Service Center by the Substitution Date to transfer Your Contract Value to a different investment option available under Your program.

Following the transfer, Your allocations may fall outside of the permitted ranges under the Custom Allocation Choice/Custom Allocation Choice Select Program.

To avoid Your allocations falling out of the permitted ranges, please send a request (in Good Order) at Our Service Center by the Substitution Date to transfer Your Contract Value to a different investment option available under the Custom Allocation/Custom Allocation Choice Select Choice Program.

*page 3 of 7* <br>PS25_31

**Fund Addition(s)**

In connection with the Substitutions, certain Replacement Funds that are not currently offered as investment options under Your Contract will be added to Your Contract on the Substitution Date. On the Substitution Date, the following information about the new Replacement Funds will be added to Appendix A, and information about the Existing Funds will be deleted:

**Pre-2008 Version (for Contracts applied for prior to 9/8/2008 or in states where the 2008 Version was unavailable)**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| <br>**Fund Type** | <br>**Fund and Adviser/Sub-Adviser** | **Current Expenses (expenses/**<br> **average assets)** | **Average Annual Total Returns**<br> **(as of 12/31/2024)** | **Average Annual Total Returns**<br> **(as of 12/31/2024)** | **Average Annual Total Returns**<br> **(as of 12/31/2024)** |
| <br>**Fund Type** | <br>**Fund and Adviser/Sub-Adviser** | **Current Expenses (expenses/**<br> **average assets)** | **1 Year** | **5 Year** | **10 Year** |
| Small/Mid-Cap Growth | MML Invesco Discovery Mid Cap Fund (Class II)\*\* <br> ***Adviser:*** MML Investment Advisers, LLC<br> ***Sub-Adviser:*** Invesco Advisers, Inc. | 0.83% | —<br>| —<br>| —<br>|
| Large Cap<br> Growth | MML Invesco Discovery Large Cap Fund (Class II)\*\* <br> ***Adviser:*** MML Investment Advisers, LLC<br> ***Sub-Adviser:*** Invesco Advisers, Inc. | 0.74% | —<br>| —<br>| —<br>|
| Large Cap<br> Blend | MML Fundamental Equity Fund (Class II)<br> ***Adviser:*** MML Investment Advisers, LLC<br> ***Sub-Adviser:*** Invesco Advisers, Inc. | 0.80%\* | 23.71%<br>| 13.21%<br>| 13.43%<br>|

---

**2008 Version (for Contracts applied for on or after 9/8/2008, subject to state availability)**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| <br>**Fund Type** | <br>**Fund and Adviser/Sub-Adviser** | **Current Expenses (expenses/**<br> **average assets)** | **Average Annual Total Returns**<br> **(as of 12/31/2024)** | **Average Annual Total Returns**<br> **(as of 12/31/2024)** | **Average Annual Total Returns**<br> **(as of 12/31/2024)** |
| <br>**Fund Type** | <br>**Fund and Adviser/Sub-Adviser** | **Current Expenses (expenses/**<br> **average assets)** | **1 Year** | **5 Year** | **10 Year** |
| Small/Mid-Cap Growth | MML Invesco Discovery Mid Cap Fund (Service Class I)\*\*<br> ***Adviser:*** MML Investment Advisers, LLC<br> ***Sub-Adviser:*** Invesco Advisers, Inc. | 1.08% | —<br>| —<br>| —<br>|
| Large Cap<br> Growth | MML Invesco Discovery Large Cap Fund (Service Class I)\*\*<br> ***Adviser:*** MML Investment Advisers, LLC<br> ***Sub-Adviser:*** Invesco Advisers, Inc. | 0.99% | —<br>| —<br>| —<br>|

---

*\*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.*

 

**Share Class Merger (Pre-2008 Version)**

On the Substitution Date, a Sub-Account that invests in MML Fundamental Equity Fund (Class II) will be added as an investment option under Your Contract and the Sub-Account that invests in MML Fundamental Equity Fund (Service Class I) will merge into it so that MML Fundamental Equity Fund (Class II) is the surviving share class and will serve as the Replacement Fund.

*page 4 of 7* <br>PS25_31

**Appendix B**

The following Appendix B replaces the existing Appendix B in your Prospectus:

Appendix B

**Funds Available Under the Benefits Offered Under the Contract**

You must elect an Asset Allocation Program if you are participating in: MassMutual Lifetime Income Protector; Guaranteed Minimum Accumulation Benefit (GMAB); Guaranteed Minimum Income Benefit (GMIB); or MassMutual Lifetime Payment Plus. These Asset Allocation Programs have investment restrictions, which are described in the tables below.

**Custom Allocation Choice Select**

For Contracts issued on or after May 1, 2010 with MassMutual Lifetime Income Protector or GMAB in effect. If you participate in Custom Allocation Choice Select, you must allocate your Purchase Payments within the minimum and maximum range listed for the Sub-Accounts below. **You may only elect Custom Allocation Choice Select if you are participating in MassMutual Lifetime Income Protector or in the Guaranteed Minimum Accumulation Benefit (see "Transfers and Transfer Programs – Transfers During the Income Phase – Asset Allocation Programs").**

---

| | |
|:---|:---|
| **Range** | **Sub-Accounts** |
| 40% to 60% | MML Managed Bond |
| 20% to 25% (total) | MML Equity<br> MML Equity Income<br> MML Managed Volatility |
| 20% to 25% (total) | MML American Funds Growth<br> MML Equity Index |
| 0% to 10% (total) | MML Mid Cap Growth<br> MML Mid Cap Value |
| 0% to 10% (total) | MML Global |

---

*page 5 of 7* <br>PS25_31

**Custom Allocation Choice**

For Contracts applied for on or after May 1, 2009 and issued prior to May 1, 2010 with GMAB, GMIB, or MassMutual Lifetime Payment Plus in effect. If you participate in Custom Allocation Choice you must allocate your Purchase Payments within the minimum and maximum range listed for the Sub-Accounts below. No allocation greater than 25% is allowed in any one Sub-Account.

---

| | |
|:---|:---|
| **Range** | **Sub-Accounts** |
| 35% to 65% with<br> GMAB<sup>(1)</sup> (total)<br> 0% to 65% without<br> GMAB<sup>(1)</sup> (total) | Invesco V.I. Global Strategic Income<br> MML Inflation-Protected & Income<br> MML Managed Bond<br> MML U.S. Government Money Market |
| 15% to 25% (total) | MML Blend<br> MML Equity<br> MML Equity Income<br> MML Income & Growth<br> MML Managed Volatility |
| 15% to 25% (total) | Fidelity<sup>®</sup> VIP Contrafund<sup>®</sup><br> MML American Funds Growth<br> MML Blue Chip Growth<br> MML Equity Index<br> MML Fundamental Equity<br> MML Invesco Discovery Large Cap<br> MML Large Cap Growth<br> MML Sustainable Equity |
| 0% to 10% (total) | MML Mid Cap Value<br> MML Small/Mid Cap Value<br> MML Small Company Value |
| 0% to 10% (total) | MML Invesco Discovery Mid Cap<br> MML Mid Cap Growth<br> MML Small Cap Equity<br> MML Small Cap Growth Equity |
| 5% to 20% (total) | Invesco V.I. International Growth<br> MML Foreign<br> MML Global |
| 0% to 5% (total) | Invesco V.I. Health Care<br> Invesco V.I. Technology<br> MML International Equity<br> PIMCO CommodityRealReturn<sup>®</sup> Strategy |
| 0% to 5% (total) | Invesco V.I. Diversified Dividend<br> VY<sup>®</sup> CBRE Global Real Estate Fund |

---

*(1)* *Guaranteed Minimum Accumulation Benefit* 

**If you applied for your Contract before May 1, 2009, contact our Service Center or your registered representative for details about ranges, asset classes and investment choices.**

**Custom Allocation Choice is unavailable to Contracts issued on or after May 1, 2010 (see "Transfers and Transfer Programs – Transfers During the Income Phase – Asset Allocation Programs").**

*page 6 of 7* <br>PS25_31

**Asset Allocation Funds**

If you are participating in MassMutual Lifetime Income Protector, GMAB, GMIB or MassMutual Lifetime Payment Plus, you can fulfill our requirement that you participate in an Asset Allocation Program, by allocating all of your Contract Value to one of our Asset Allocation Funds. While participating in this program you can make transfers by moving your full Contract Value from one Asset Allocation Fund to another.

The Funds are as follows:

These Funds are also available if you do not have an election of MassMutual Lifetime Income Protector, a GMAB, GMIB or MassMutual Lifetime Payment Plus. In such case you may allocate a portion or all of your Contract Value to these Funds.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• MML
 Aggressive Allocation Fund<sup>(1)</sup>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• MML
 American Funds Core Allocation Fund

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• MML
 Balanced Allocation Fund

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• MML
 Conservative Allocation Fund

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• MML
 Growth Allocation Fund<sup>(2)</sup>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• MML
 Moderate Allocation Fund

*(1)* *The MML Aggressive Allocation Fund is not available as an investment choice if you are participating in MassMutual Lifetime Income Protector, MassMutual Guaranteed Income Plus 6 or MassMutual Lifetime Payment Plus. Additionally, this Fund is unavailable if your Contract was issued on or after 4/15/2009 and you are participating in MassMutual Guaranteed Income Plus 5 or the Guaranteed Minimum Accumulation Benefit.* 

*(2)* *The MML Growth Allocation Fund is not available as an investment choice if you are participating in MassMutual Lifetime Income Protector. Additionally, this Fund is unavailable if your Contract was issued on or after 5/1/2010 and you are participating in the Guaranteed Minimum Accumulation Benefit.* 

If You have questions about this Supplement or wish to make any changes to Your Contract, please contact Your registered representative, visit Us online at www.MassMutual.com/contact-us, or call Our Service Center 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 by going to www.MassMutual.com/variable-products, selecting the name of Your variable product, and then selecting the applicable fund. You can also request paper copies of fund prospectuses by calling Our Service Center at the number listed above or by emailing fundinfo@massmutual.com.**

*page 7 of 7* <br>PS25_31