# EDGAR Filing Document

**Accession Number:** 0001052766
**File Stem:** 0001133228-25-013433
**Filing Date:** 2025-12
**Character Count:** 7645
**Document Hash:** fd1e36a7a4a4cc9dc2340421bdbb2f87
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001133228-25-013433.hdr.sgml**: 20251215

**ACCESSION NUMBER**: 0001133228-25-013433

**CONFORMED SUBMISSION TYPE**: 497VPU

**PUBLIC DOCUMENT COUNT**: 2

**FILED AS OF DATE**: 20251215

**DATE AS OF CHANGE**: 20251215

**EFFECTIVENESS DATE**: 20251215

**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:** 333-255824
- **FILM NUMBER:** 251570377

**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   |
|:---|:---|:---|
| C000228859 | Envision     |  |

**Supplement dated December 15, 2025**

**to the Updating Summary Prospectus dated April 28, 2025, as supplemented, for:**

**MassMutual Envision<sup>SM</sup>**

*Issued by Massachusetts Mutual Life Insurance Company*

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

*Effective December 15, 2025, this Supplement amends certain information in the above-referenced Prospectus:*

&nbsp;&nbsp;&nbsp;&nbsp;1. The **Are There Ongoing Fees and Expenses?** row of the **Important Information You Should Consider About the Contract** section of the Prospectus is deleted
 and replaced with the following:

---

| | | | | |
|:---|:---|:---|:---|:---|
|  | **FEES, EXPENSES, AND ADJUSTMENTS** | **FEES, EXPENSES, AND ADJUSTMENTS** | **FEES, EXPENSES, AND ADJUSTMENTS** | **LOCATION IN PROSPECTUS** |
| &nbsp;&nbsp;**Are There Ongoing Fees** **and Expenses?** | &nbsp;&nbsp;**Yes.** The table below describes the fees and expenses that you may pay *each year,* depending on the investment options and optional benefits you choose. Please refer to your Contract specifications page(s) for information about the specific fees you will pay each year based on the options you have elected. | &nbsp;&nbsp;**Yes.** The table below describes the fees and expenses that you may pay *each year,* depending on the investment options and optional benefits you choose. Please refer to your Contract specifications page(s) for information about the specific fees you will pay each year based on the options you have elected. | &nbsp;&nbsp;**Yes.** The table below describes the fees and expenses that you may pay *each year,* depending on the investment options and optional benefits you choose. Please refer to your Contract specifications page(s) for information about the specific fees you will pay each year based on the options you have elected. | &nbsp;&nbsp;Charges and Deductions |
|  | &nbsp;&nbsp;**Annual Fee** | **Minimum** | **Maximum** |  |
|  | &nbsp;&nbsp;Base Contract | 1.32%<sup>(1)</sup> | 1.32%<sup>(1)</sup> |  |
|  | &nbsp;&nbsp;Fund fees and expenses | 0.51%<sup>(2)</sup> | 1.43%<sup>(2)</sup> |  |
|  | &nbsp;&nbsp;Optional benefits available<br>for an additional charge<br>(for a single optional benefit,<br>if elected) | —%<sup>(3)</sup> | —%<sup>(4)</sup> |  |
|  | &nbsp;&nbsp;Because your Contract is customizable, the choices you make affect how much you will pay. To help you understand the cost of owning your Contract, the following table shows the lowest and highest cost you could pay *each year,* based on current charges. This estimate assumes that you do not take withdrawals from the Contract, **which could result in the assessment of CDSCs that substantially increase costs.** | &nbsp;&nbsp;Because your Contract is customizable, the choices you make affect how much you will pay. To help you understand the cost of owning your Contract, the following table shows the lowest and highest cost you could pay *each year,* based on current charges. This estimate assumes that you do not take withdrawals from the Contract, **which could result in the assessment of CDSCs that substantially increase costs.** | &nbsp;&nbsp;Because your Contract is customizable, the choices you make affect how much you will pay. To help you understand the cost of owning your Contract, the following table shows the lowest and highest cost you could pay *each year,* based on current charges. This estimate assumes that you do not take withdrawals from the Contract, **which could result in the assessment of CDSCs that substantially increase costs.** |  |
|  | **Lowest Annual Cost:** | **Highest Annual Cost:** **<sup>(5)</sup>** | **Highest Annual Cost:** **<sup>(5)</sup>** |  |
|  | $1596 | $4001 | $4001 |  |
|  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Assumes:<br> •  Investment of $100,000<br> •  5% annual appreciation<br> •  Least expensive combination of Contract Share Classes and Fund fees and expenses<br> •  No optional benefits<br> •  No CDSC<br> •  No additional Purchase Payments, transfers, or withdrawals | &nbsp;&nbsp;&nbsp;&nbsp;Assumes:<br> •  Investment of $100,000<br> •  5% annual appreciation<br> •  Most expensive combination of Contract Share Classes, optional benefits and Fund fees and expenses<br> •  No CDSC<br> •  No additional Purchase Payments, transfers, or withdrawals | &nbsp;&nbsp;&nbsp;&nbsp;Assumes:<br> •  Investment of $100,000<br> •  5% annual appreciation<br> •  Most expensive combination of Contract Share Classes, optional benefits and Fund fees and expenses<br> •  No CDSC<br> •  No additional Purchase Payments, transfers, or withdrawals |  |

---

** 

*<sup>(1)</sup> Represents the mortality and expense risk charge and administrative charge (charged as a percentage of average account value in the Separate Account on an annualized basis) and the annual contract maintenance charge (a fixed dollar amount that may be waived for certain Contract Value amounts) collected during the Contract Year that are attributable to the Contract divided by the total average net assets that are attributable to the Contract.*

*<sup>(2)</sup> As a percentage of Fund assets.*

*<sup>(3)</sup> This charge is the lowest current charge for the optional benefit available with this contract. It is the current charge for RetirePay. See the applicable Rate Sheet Prospectus Supplement for the current charges for RetirePay.*

*<sup>(4)</sup> This charge is the highest current charge for the optional benefit available with this contract. It is the current charge for RetirePay. See the applicable Rate Sheet Prospectus Supplement for the current charges for RetirePay.*

*<sup>(5)</sup> The calculation of the current highest annual cost assumes election of the RetirePay feature.*

*______________________________*

&nbsp;&nbsp;&nbsp;&nbsp;2. The information
 pertaining to the Vest U.S. Large Cap 10% Buffer Strategies VI Fund (Class I) in the **Funds Available Under the Contract** table of **Appendix A** of the Prospectus is deleted.

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 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 on our website at www.MassMutual.com.**