# EDGAR Filing Document

**Accession Number:** 0001052766
**File Stem:** 0001133228-25-012804
**Filing Date:** 2025-11
**Character Count:** 8440
**Document Hash:** 3f49317e81a1c6b1e6523020dc2f0cf8
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001133228-25-012804.hdr.sgml**: 20251125

**ACCESSION NUMBER**: 0001133228-25-012804

**CONFORMED SUBMISSION TYPE**: 497VPI

**PUBLIC DOCUMENT COUNT**: 1

**FILED AS OF DATE**: 20251125

**DATE AS OF CHANGE**: 20251125

**EFFECTIVENESS DATE**: 20251125

**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:** 497VPI
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-203063
- **FILM NUMBER:** 251522219

**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   |
|:---|:---|:---|
| C000156664 | MassMutual Capital Vantage Variable Annuity |  |

**Supplement dated November 25, 2025**

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

**MassMutual Capital Vantage<sup>®</sup>**

*Issued by Massachusetts Mutual Life Insurance Company*

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

<br> **PLEASE RETAIN THIS SUPPLEMENT FOR FUTURE REFERENCE.**

 

**NOTICE OF FUND SUBSTITUTION**

**In a prospectus supplement dated October 6, 2025, we notified you of multiple fund substitutions occurring on or about November 14, 2025. Due to technical difficulties, one of those substitutions has been postponed and will occur on or about December 5, 2025 (the "Substitution Date").**

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 the Substitution Date, in accordance with applicable law, shares of the following Existing Fund will be replaced with shares of the following Replacement Fund (the "Substitution"), set forth in the table below:

---

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

---

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

On the Substitution Date, all Contract Value in the Sub-Account investing in the 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-Account investing in the Existing Fund, and such Sub-Account will no longer be available for investment under the Contract.

The Substitution will occur at the relative net asset values of the Existing Fund's and Replacement Fund's shares. Your Contract Value immediately prior to the Substitution will equal Your Contract Value immediately after the Substitution. There will not be any tax consequences for You as a result of the Substitution. The Substitution will be performed at no cost to You. The fees and charges under Your Contract will not increase as a result of the Substitution. The overall fees and expenses of the 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 the Sub-Account that invests in the Existing Fund to the Sub-Account that invests in the corresponding Replacement Fund.

**Impact on Transaction Requests**

The Sub-Account that invests in the Existing Fund 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 the Sub-Account that invests in the 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, the 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 the Replacement Fund, 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 Fund will automatically replace the corresponding Existing Fund 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;• 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 the Existing Fund to the 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.*

**Transfer Rights**

On the Substitution Date, any Contract Value remaining in the Sub-Account that invests in the 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 the Sub-Account that invests in the 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 Sub-Account that invests in the 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.

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 (866) 645-2362 (7 a.m.– 7 p.m. Central Time).

**For more information about the fund, read the 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.**

PS25-68