# EDGAR Filing Document

**Accession Number:** 0001052766
**File Stem:** 0001133228-25-010589
**Filing Date:** 2025-10
**Character Count:** 11790
**Document Hash:** b85efe91d4512d78693d125a30bb9cfb
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001133228-25-010589.hdr.sgml**: 20251006

**ACCESSION NUMBER**: 0001133228-25-010589

**CONFORMED SUBMISSION TYPE**: 497VPSUB

**PUBLIC DOCUMENT COUNT**: 2

**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:** 497VPSUB
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-131007
- **FILM NUMBER:** 251377437

**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   |
|:---|:---|:---|
| C000029614 | MassMutual RetireEase Select |  |

**Supplement dated October 6, 2025**

**to the Prospectus dated May 1, 2015, as supplemented, for:**

**MassMutual RetireEase Select<sup>SM</sup>**

*****Issued by Massachusetts Mutual Life Insurance Company*

&nbsp;&nbsp;**THIS SUPPLEMENT MUST BE READ IN CONJUNCTION WITH YOUR PROSPECTUS.**<br> **PLEASE RETAIN THIS SUPPLEMENT FOR FUTURE REFERENCE.**<br>

**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:

---

| | |
|:---|:---|
| **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) |

---

 

**Transfer of Value from the Existing Fund**

On the Substitution Date, all 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 value immediately prior to the Substitutions will equal Your 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 value is automatically transferred on the Substitution Date, You will receive a confirmation showing the transfer of Your 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 allocation elections, transfers, and withdrawals until the close of the NYSE on the Substitution Date. Any 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.

*page 1 of 4*

PS25_29

**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 Rebalancing Program\*

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Asset Allocation Program\*

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

 ****

***\**** *If You currently transfer 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 and Asset Allocation 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.*

**Transfer Rights**

On the Substitution Date, any 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 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 value allocated to a Sub-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.

**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. Information about the new Replacement Funds is below:

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Fund Type** | **Fund and Adviser/Sub-Adviser** | **Current<br> Expenses<br> (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)** |
| **Fund Type** | **Fund and Adviser/Sub-Adviser** | **Current<br> Expenses<br> (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% |  |  |  |
| Large Cap Growth | MML Invesco Discovery Large Cap Fund (Class II)\*\*<br> ***Adviser:*** MML Investment Advisers, LLC<br> ***Sub-Adviser:*** Invesco Advisers, Inc. | 0.74% |  |  |  |
| Large Cap Blend | MML Fundamental Equity Fund (Class II)<br> ***Adviser:*** MML Investment Advisers, LLC<br> ***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 2 of 4*

PS25_29

**Impact on Custom Allocation Choice Program** 

On the Substitution Date, each Existing Fund will be removed from the Custom Choice Allocation Program, and the corresponding Replacement Fund will be added in its place.

If You are participating in the Custom Allocation Choice Program, any Contract Value remaining in the Existing Funds will be automatically transferred to the corresponding Replacement Funds on the Substitution Date.

If You do not want Your Contract Value in the Existing Funds to be automatically transferred to the corresponding Replacement Funds, 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 the Custom Allocation Choice Program.

*page 3 of 4*

PS25_29

**Appendix C**

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

Appendix C

**Custom Allocation Choice**

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** |
| 0% to 60% (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 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 |
| 5% to 10% (total) | MML Mid Cap Value<br> MML Small/Mid Cap 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> PIMCO CommodityRealReturn<sup>®</sup> Strategy |
| 0% to 5% (total) | Invesco V.I. Diversified Dividend<br> VY<sup>®</sup> CBRE Global Real Estate |

---

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 4 of 4*

PS25_29