# EDGAR Filing Document

**Accession Number:** 0000943863
**File Stem:** 0001133228-26-006436
**Filing Date:** 2026-4
**Character Count:** 79131
**Document Hash:** 2f33ac75bb9c68858327f64b14ac5f2e
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001133228-26-006436.hdr.sgml**: 20260424

**ACCESSION NUMBER**: 0001133228-26-006436

**CONFORMED SUBMISSION TYPE**: 497VPU

**PUBLIC DOCUMENT COUNT**: 1

**FILED AS OF DATE**: 20260424

**DATE AS OF CHANGE**: 20260424

**EFFECTIVENESS DATE**: 20260424

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** C M LIFE VARIABLE LIFE SEPARATE ACCOUNT I
- **CENTRAL INDEX KEY:** 0000943863

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

**FILING VALUES:**
- **FORM TYPE:** 497VPU
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-259818
- **FILM NUMBER:** 26893107

**BUSINESS ADDRESS:**
- **STREET 1:** 100 BRIGHT MEADOW BOULEVARD
- **CITY:** ENFIELD
- **STATE:** CT
- **ZIP:** 06082
- **BUSINESS PHONE:** (413)788-8411

**MAIL ADDRESS:**
- **STREET 1:** 1295 STATE STREET
- **CITY:** SPRINGFIELD
- **STATE:** MA
- **ZIP:** 01111-0001

## Series and Classes Contracts Data

### C M LIFE VARIABLE LIFE SEPARATE ACCOUNT I (Series ID: S000010877)

| Class ID   | Class Name                     | Ticker Symbol   |
|:---|:---|:---|
| C000232693 | C.M. Life Electrum Select (SM) |  |

C.M. Life Electrum Select<sup>SM</sup>

*Issued by C.M. Life Insurance Company*

C.M. Life Variable Life Separate Account I

**Updating Summary Prospectus –** **April 27, 2026**

This Summary Prospectus summarizes key features of the C.M. Life Electrum Select<sup>SM</sup> policy, a flexible premium, adjustable, variable life insurance policy (policy), issued by C.M. Life Insurance Company.

The prospectus for the C.M. Life Electrum Select policy contains more information about the policy, including its features, benefits, and risks. You can find the current statutory prospectus and other information about the policy online at www.MassMutual.com/Electrum-Select. You can also obtain this information at no cost by calling (800) 665-2654 or by sending an email request to BOLICOLIService@MassMutual.com.

Additional information about certain investment products, including variable life insurance policies, has been prepared by the Securities and Exchange Commission staff and is available at www.investor.gov.

**The SEC has not approved or disapproved this policy or determined that this prospectus is accurate or complete. Any** **representation that it has is a criminal offense.** 

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**Table of Contents**

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| | |
|:---|:---|
| [**Glossary**](#chapter_2_983) | [**2**](#chapter_2_983) |
| [**Updated Information About Your Policy**](#chapter_3_983) | [**4**](#chapter_3_983) |
| &nbsp;&nbsp;&nbsp;&nbsp; [**Important Information You Should Consider About the** <br>**Policy**](#chapter_4_983) | [**6**](#chapter_4_983) |

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[**Appendix A – Funds Available Under the Policy**](#chapter_5_983)<sub>10</sub>

Glossary

**Account Value.** The value of your investment in the Separate Account Divisions and the GPA.

**Administrative Office.** Massachusetts Mutual Life Insurance Company, BOLI/COLI Document Management Hub, 1295 State Street, Springfield, MA 01111-0001, (800) 665-2654, (Fax) (860) 562-6154, BOLICOLIService@MassMutual.com, www.MassMutual.com

**Attained Age.** The Insured's age on the Issue Date, plus the number of completed Policy Years.

**Fund(s).** The investment entities in which the Separate Account Divisions invest.

**Good Order.** The actual receipt by our Administrative Office of the instructions related to a request or transaction in writing (or, when permitted, by telephone, fax, website, or other electronic means), within the time limits, if any, along with all forms, information and supporting legal documentation we require to effect the request or transaction. This information includes, to the extent applicable: the completed application or instruction form; your policy number; the transaction amount (in dollars or percentage terms); the names and allocations to and/or from the Separate Account Divisions affected by the request or transaction; the signatures of all Policy Owners; if necessary, Social Security Number or Tax Identification number; tax certification; and any other information or supporting documentation we may require including consents, certifications and guarantees. Instructions must be complete and sufficiently clear so that we do not need to exercise any discretion to follow such instructions. We may, in our sole discretion, determine whether any particular request or transaction is in Good Order, and we reserve the right to change or waive any Good Order requirements at any time. If you have any questions, you may contact our Administrative Office before submitting the form or request.

**GPA Value.** The sum of your values in the GPA.

**Grace Period.** A period that begins when the Surrender Value is not sufficient to cover monthly charges due and your policy stays In Force, during which you can pay the amount of premium needed to avoid termination.

**In Force.** Your policy has not terminated.

**Insured.** The person on whose life the policy is issued.

**Issue Date.** The date we issue the policy. The Issue Date starts the contestability and suicide periods.

**Modified Endowment Contract (MEC)** **.** A special type of life insurance under federal income tax law. Specifically, the law prescribes a test that is intended to differentiate between policies that are purchased primarily for certain tax advantages, versus policies that are purchased primarily for death protection. MECs are still life insurance and offer tax-free death benefits and tax-deferred cash value accumulation. However, pre-death distributions (including loans) are taxed as "income first" (not cost basis first), meaning they are taxable to the extent of gain in the policy. In addition, distributions may be subject to a 10% additional tax.

**Monthly Calculation Date** **.** The Policy Date and the same day of each succeeding calendar month on which monthly charges are due on the policy.

**Net Premium.** A premium payment received in Good Order minus the premium load charge and the Cash Surrender Value Enhancement Rider charge, if applicable.

**Policy Anniversary.** The anniversary of the Policy Date.

**Policy Date.** The starting point for determining the Policy Anniversaries, Policy Years, and Monthly Calculation Dates. It is also the day we first deduct monthly charges under the policy.

**Policy Debt.** All outstanding loans plus accrued interest.

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**Policy Owner.** The individual, corporation, partnership, trust or other entity who owns the policy, as shown on our records, and will generally make the choices that determine how the policy operates while it is In Force.

**Policy Termination.** An event where your policy is no longer In Force due to the Surrender Value becoming too low to support your policy's monthly charges or if total Policy Debt exceeds the Account Value.

**Policy Year.** The twelve month period beginning with the Policy Date and each successive twelve month period thereafter.

**Separate Account Division.** A variable investment division offered through our Separate Account that invests in the corresponding underlying Fund.

**Surrender Value.** Account Value less Policy Debt.

**Target Premium.** A threshold for your policy premium load charge that we establish on your Issue Date.

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Updated Information About Your Policy

**The information in this Updating Summary Prospectus is a summary of certain policy features that have changed since** **April** **28, 2025. This may not reflect all changes that have occurred since you purchased your policy.**

**Fund Substitutions**

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

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**Share Class Merger**

MML Global Fund (Service Class I) was replaced by MML Global Fund (Class II).

**Fund Additions**

Dimensional VA International Value Portfolio

Fidelity<sup>®</sup> VIP Floating Rate High Income Portfolio<sup>SM</sup>

Fidelity<sup>®</sup> VIP Freedom 2070 Portfolio<sup>SM</sup>

Janus Henderson Balanced Portfolio

PIMCO Short-Term Portfolio

VanEck VIP Global Gold Fund

**Fund Name Changes**

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| | |
|:---|:---|
| &nbsp;&nbsp; **Current Fund Name** | **New Fund Name** |
| &nbsp;&nbsp; Fidelity<sup>®</sup> VIP Freedom Income Portfolio<sup>SM</sup> | Fidelity<sup>®</sup> VIP Freedom Retirement Portfolio<sup>SM</sup> |
| &nbsp;&nbsp; Invesco Oppenheimer V.I. International Growth Fund | Invesco V.I. International Growth Fund |
| &nbsp;&nbsp; Macquarie VIP Asset Strategy Series | Nomura VIP Asset Strategy Series |
| &nbsp;&nbsp; Macquarie VIP Emerging Markets Series | Nomura VIP Emerging Markets Series |
| &nbsp;&nbsp; Macquarie VIP Science and Technology Series | Nomura VIP Science and Technology Series |
| &nbsp;&nbsp; Macquarie VIP Small Cap Value Series | Nomura VIP Small Cap Value Series |
| &nbsp;&nbsp; MFS<sup>®</sup> International Intrinsic Value Portfolio | MFS<sup>®</sup> International Intrinsic Equity Portfolio |
| &nbsp;&nbsp; MML Aggressive Allocation Fund | MML VIP Aggressive Allocation Fund |
| &nbsp;&nbsp; MML American Funds Core Allocation Fund | MML VIP American Funds 65/35 Allocation Fund |
| &nbsp;&nbsp; MML American Funds Growth Fund | MML VIP American Funds Growth Fund |
| &nbsp;&nbsp; MML Balanced Allocation Fund | MML VIP Balanced Allocation Fund |
| &nbsp;&nbsp; MML Blend Fund | MML VIP BlackRock<sup>®</sup> Balanced Fund |
| &nbsp;&nbsp; MML Blue Chip Growth Fund | MML VIP T. Rowe Price Blue Chip Growth Fund |
| &nbsp;&nbsp; MML Conservative Allocation Fund | MML VIP Conservative Allocation Fund |
| &nbsp;&nbsp; MML Equity Fund | MML VIP Franklin Templeton Equity Fund |

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| | |
|:---|:---|
| &nbsp;&nbsp; **Current Fund Name** | **New Fund Name** |
| &nbsp;&nbsp; MML Equity Income Fund | MML VIP T. Rowe Price Equity Income Fund |
| &nbsp;&nbsp; MML Fundamental Equity Fund | MML VIP Invesco Main Street Equity Fund |
| &nbsp;&nbsp; MML Global Fund | MML VIP Invesco Global Fund |
| &nbsp;&nbsp; MML Growth Allocation Fund | MML VIP Growth Allocation Fund |
| &nbsp;&nbsp; MML Inflation-Protected and Income Fund | MML VIP Barings Inflation-Protected and Income Fund |
| &nbsp;&nbsp; MML International Equity Fund | MML VIP MFS International Equity Fund |
| &nbsp;&nbsp; MML Invesco Discovery Mid Cap Fund | MML VIP Invesco Discovery Mid Cap Fund |
| &nbsp;&nbsp; MML Large Cap Growth Fund | MML VIP Loomis Sayles Large Cap Growth Fund |
| &nbsp;&nbsp; MML Managed Bond Fund | MML VIP Barings Core Bond Fund |
| &nbsp;&nbsp; MML Managed Volatility Fund | MML VIP JPMorgan U.S. Research Enhanced Equity Fund |
| &nbsp;&nbsp; MML Mid Cap Growth Fund | MML VIP T. Rowe Price Mid Cap Growth Fund |
| &nbsp;&nbsp; MML Mid Cap Value Fund | MML VIP American Century Mid Cap Value Fund |
| &nbsp;&nbsp; MML Moderate Allocation Fund | MML VIP Moderate Allocation Fund |
| &nbsp;&nbsp; MML Short-Duration Bond Fund | MML VIP Barings Short-Duration Bond Fund |
| &nbsp;&nbsp; MML Small Cap Equity Fund | MML VIP Invesco Small Cap Equity Fund |
| &nbsp;&nbsp; MML Small Cap Growth Equity Fund | MML VIP Wellington Small Cap Growth Equity Fund |
| &nbsp;&nbsp; MML Small Company Value Fund | MML VIP American Century Small Company Value Fund |
| &nbsp;&nbsp; MML Total Return Bond Fund | MML VIP Fidelity Institutional AM<sup>®</sup> Core Plus Bond Fund |
| &nbsp;&nbsp; MML U.S. Government Money Market Fund | MML VIP Barings U.S. Government Money Market Fund |
| &nbsp;&nbsp; TOPS<sup>®</sup> Aggressive Growth ETF Portfolio | TOPS<sup>®</sup> Aggressive ETF Portfolio |
| &nbsp;&nbsp; TOPS<sup>®</sup> Growth ETF Portfolio | TOPS<sup>®</sup> Moderately Aggressive ETF Portfolio |
| &nbsp;&nbsp; TOPS<sup>®</sup> Moderate Growth ETF Portfolio | TOPS<sup>®</sup> Moderate ETF Portfolio |
| &nbsp;&nbsp; Vanguard VIF Capital Growth Portfolio | Vanguard VIF PRIMECAP Portfolio |

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**Adviser and Sub-Adviser Changes**

Aristotle Capital Management, LLC and Harris Associates L.P. were added as investment advisers to the Vanguard VIF Diversified Value Portfolio. Lazard Asset Management LLC no longer serves as an investment adviser to the Vanguard VIF Diversified Value Portfolio.

FIAM LLC replaced Metropolitan West Asset Management, LLC as the sub-adviser to the MML VIP Fidelity Institutional AM® Core Plus Bond Fund (formerly MML Total Return Bond Fund).

Harris Associates L.P. no longer serves as a sub-adviser to the MML VIP MFS International Equity Fund (formerly MML International Equity Fund).

J.P. Morgan Investment Management Inc. replaced Gateway Investment Advisers, LLC as the sub-adviser to the MML VIP JPMorgan U.S. Research Enhanced Equity Fund (formerly MML Managed Volatility Fund).

Macquarie Investment Management Global Limited no longer serves as sub-adviser to the Nomura VIP Emerging Markets Series (formerly Macquarie VIP Emerging Markets Series).

Macquarie Investment Management Global Limited no longer serves as sub-adviser to the Nomura VIP Science and Technology Series (formerly Macquarie VIP Science and Technology Series).

Macquarie Investment Management Global Limited no longer serves as sub-adviser to the Nomura VIP Small Cap Value Series (formerly Macquarie VIP Small Cap Value Series).

Nomura Investment Management Austria Kapitalanlage AG and Macquarie Investment Management Global Limited will now serve as the sub-advisers to the Nomura VIP Asset Strategy Series (formerly Macquarie VIP Asset Strategy Series).

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Important Information You Should Consider About the Policy

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| | | | | |
|:---|:---|:---|:---|:---|
|  | **FEES AND EXPENSES** | **FEES AND EXPENSES** | **FEES AND EXPENSES** | **LOCATION IN** **PROSPECTUS** |
| &nbsp;&nbsp; **Charges for Early** **Withdrawals** | &nbsp;&nbsp; None. | &nbsp;&nbsp; None. | &nbsp;&nbsp; None. | &nbsp;&nbsp; N/A |
| &nbsp;&nbsp; **Transaction Charges** | &nbsp;&nbsp; ***Premium Load Charge.*** We deduct the premium load charge from each premium you pay. The current premium load charge is 6.55% of each premium payment up to and including the Target Premium, and 0.50% of premium over the Target Premium. We may increase this charge on all policies to up to 10% of each premium.<br>***Withdrawal Charge.*** We deduct a withdrawal charge when you withdraw a portion of your Account Value from the policy. The charge is equal to the lesser of 2% of the amount withdrawn or $25.<br>***Transfer Charge.*** We may deduct a transfer charge upon each transfer after the first 12 transfers in a Contract Year. Currently, we do not deduct a transfer charge.<br>***Substitute Insured Charge.*** We deduct a substitute insured charge of $75 if the Policy Owner elects to substitute a new Insured.<br>***Overloan Protection Rider.*** We assess a one-time charge based on the Account Value and Attained Age of the Insured when the Overloan Protection Rider is exercised.<br>***Cash Surrender Value Enhancement Rider.*** We apply a charge against each premium payment made in Policy Years one through seven when the Cash Surrender Value Enhancement Rider is elected. | &nbsp;&nbsp; ***Premium Load Charge.*** We deduct the premium load charge from each premium you pay. The current premium load charge is 6.55% of each premium payment up to and including the Target Premium, and 0.50% of premium over the Target Premium. We may increase this charge on all policies to up to 10% of each premium.<br>***Withdrawal Charge.*** We deduct a withdrawal charge when you withdraw a portion of your Account Value from the policy. The charge is equal to the lesser of 2% of the amount withdrawn or $25.<br>***Transfer Charge.*** We may deduct a transfer charge upon each transfer after the first 12 transfers in a Contract Year. Currently, we do not deduct a transfer charge.<br>***Substitute Insured Charge.*** We deduct a substitute insured charge of $75 if the Policy Owner elects to substitute a new Insured.<br>***Overloan Protection Rider.*** We assess a one-time charge based on the Account Value and Attained Age of the Insured when the Overloan Protection Rider is exercised.<br>***Cash Surrender Value Enhancement Rider.*** We apply a charge against each premium payment made in Policy Years one through seven when the Cash Surrender Value Enhancement Rider is elected. | &nbsp;&nbsp; ***Premium Load Charge.*** We deduct the premium load charge from each premium you pay. The current premium load charge is 6.55% of each premium payment up to and including the Target Premium, and 0.50% of premium over the Target Premium. We may increase this charge on all policies to up to 10% of each premium.<br>***Withdrawal Charge.*** We deduct a withdrawal charge when you withdraw a portion of your Account Value from the policy. The charge is equal to the lesser of 2% of the amount withdrawn or $25.<br>***Transfer Charge.*** We may deduct a transfer charge upon each transfer after the first 12 transfers in a Contract Year. Currently, we do not deduct a transfer charge.<br>***Substitute Insured Charge.*** We deduct a substitute insured charge of $75 if the Policy Owner elects to substitute a new Insured.<br>***Overloan Protection Rider.*** We assess a one-time charge based on the Account Value and Attained Age of the Insured when the Overloan Protection Rider is exercised.<br>***Cash Surrender Value Enhancement Rider.*** We apply a charge against each premium payment made in Policy Years one through seven when the Cash Surrender Value Enhancement Rider is elected. | &nbsp;&nbsp; Fee Tables – Transaction Fees<br>Fee Tables – Periodic Charges Other than Annual Fund Operating Expenses – Optional Benefit Charges<br>Charges and Deductions – Transaction Fees |
| &nbsp;&nbsp; **Ongoing Fees and Expenses** | &nbsp;&nbsp; In addition to transaction charges, an investment in the policy is subject to certain ongoing fees and expenses, including fees and expenses covering the cost of insurance and cost of optional riders. Those fees and expenses are set based on characteristics of the Insured (e.g., age, sex, and risk classification). You should view the policy's specifications page for rates applicable to your policy.<br>You will also bear fees and expenses associated with the Funds you choose, as shown below. | &nbsp;&nbsp; In addition to transaction charges, an investment in the policy is subject to certain ongoing fees and expenses, including fees and expenses covering the cost of insurance and cost of optional riders. Those fees and expenses are set based on characteristics of the Insured (e.g., age, sex, and risk classification). You should view the policy's specifications page for rates applicable to your policy.<br>You will also bear fees and expenses associated with the Funds you choose, as shown below. | &nbsp;&nbsp; In addition to transaction charges, an investment in the policy is subject to certain ongoing fees and expenses, including fees and expenses covering the cost of insurance and cost of optional riders. Those fees and expenses are set based on characteristics of the Insured (e.g., age, sex, and risk classification). You should view the policy's specifications page for rates applicable to your policy.<br>You will also bear fees and expenses associated with the Funds you choose, as shown below. | &nbsp;&nbsp; Fee Tables – Periodic Charges Other than Annual Fund Operating Expenses<br>Charges and Deductions – Monthly Charges Against the Account Value<br>Appendix A |
|  | &nbsp;&nbsp; **Annual Fee** | **Minimum** | **Maximum** |  |
|  | &nbsp;&nbsp; Fund options (Fund fees and expenses) | 0.03%<sup>(1)</sup> | 3.48%<sup>(1)</sup> |  |

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*(1)* *As a percentage of Fund assets.* 

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| | | |
|:---|:---|:---|
|  | **RISKS** | **LOCATION IN** **PROSPECTUS** |
| &nbsp;&nbsp; **Risk of Loss** | &nbsp;&nbsp; You can lose money by investing in the policy. | &nbsp;&nbsp; Principal Risks – Investment Risks<br>General Information about the Company, the Separate Account and the Underlying Funds – Underlying Funds |
| &nbsp;&nbsp; **Not a Short-Term** **Investment** | &nbsp;&nbsp; This policy is not a short-term investment and is not appropriate for an investor who needs ready access to cash. | &nbsp;&nbsp; Overview of the Policy – What is the policy, and what is it designed to do?<br>Principal Risks – Suitability |
| &nbsp;&nbsp; **Risks Associated with** **Investment Options** | &nbsp;&nbsp; An investment in this policy is subject to the risk of poor investment performance and can vary depending upon the performance of the underlying Funds you choose. Each investment option (including any fixed account investment option) has its own unique risks. You should review the prospectuses for the available Funds before making an investment decision. | &nbsp;&nbsp; Principal Risks – Investment Risks<br>General Information about the Company, the Separate Account and the Underlying Funds – Underlying Funds |
| &nbsp;&nbsp; **Insurance Company Risks** | &nbsp;&nbsp; An investment in this policy is subject to the risks related to the Depositor (C.M. Life). Any obligations (including under any fixed account investment option), guarantees, or benefits of the policy are subject to the claims-paying ability of C.M. Life. If C.M. Life experiences financial distress, it may not be able to meet its obligations to you. More information about C.M. Life, including its financial strength ratings, is available by calling (800) 665-2654 or by visiting www.MassMutual.com/ratings. | &nbsp;&nbsp; General Information About the Company, the Separate Account and the Underlying Funds – The Guaranteed Principal Account |
| &nbsp;&nbsp; **Policy Termination** | &nbsp;&nbsp; Your policy could terminate (or lapse) if the Surrender Value of the policy becomes too low to support the policy's monthly charges, or if total Policy Debt exceeds the Account Value. Factors that may cause your policy to lapse include: insufficient premium payments, poor investment performance, withdrawals, and unpaid loans or loan interest. If your policy lapses, you may be able to reinstate it. To reinstate your policy, you must provide us certain written materials we require as well as a premium payment sufficient to keep the policy In Force for three months after reinstatement. The death benefit will not be paid if the policy has lapsed. | &nbsp;&nbsp; Principal Risks – Policy Termination<br>Policy Termination and Reinstatement |

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| | | |
|:---|:---|:---|
|  | **RESTRICTIONS** | **LOCATION IN** **PROSPECTUS** |
| &nbsp;&nbsp; **Investments** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Generally, you may transfer Account Value among the Separate Account Divisions and the Guaranteed Principal Account (GPA), subject to certain limitations. We also offer two automated transfer programs: Automated Account Value Transfer and Automated Account Re-balancing.<br>Transfers of the policy's Account Value are subject to the following conditions:<br> •  Transfers from the GPA are limited to one per Policy Year and may not exceed 25% of your Account Value in the GPA (less any Policy Debt).<br> •  There is one exception to this rule. If you have transferred 25% of the GPA Value (less any Policy Debt) for three consecutive years and you have not added any Net Premium or transferred amounts to the GPA during these three consecutive years, you may transfer the remainder of the GPA Value (less any Policy Debt) out of the GPA in the succeeding Policy Year.<br> •  Transfers (including transfers through automated programs) cannot be processed during a Grace Period.<br> In addition, we reserve the right to reject or restrict transfers if we determine the transfers reflect frequent trading or a market timing strategy, or we are required to reject or restrict by the applicable Fund.<br>C.M. Life also reserves the right to remove or substitute Funds as investment options that are available under the policy. | &nbsp;&nbsp; Transfers<br>General Information About the Company the Separate Account and the Underlying Funds – Underlying Funds – Addition, Removal, Closure or Substitution of Funds |
| &nbsp;&nbsp; **Optional Benefits** | &nbsp;&nbsp; Optional benefits, such as riders, may alter the benefits or charges under your policy. Rider availability and benefits may vary by state of issue, and their election may have tax consequences. Riders may have restrictions or limitations. If you elect a particular rider, it may restrict or enhance the terms of your policy, or restrict the availability or terms of other riders. | &nbsp;&nbsp; Other Benefits Available Under the Policy |

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| | | |
|:---|:---|:---|
|  | **TAXES** | **LOCATION IN** **PROSPECTUS** |
| &nbsp;&nbsp; **Tax Implications** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; •  You should consult with a tax professional to determine the tax implications of an investment in and payments received under the policy.<br> •  If you purchase the policy through a qualified retirement plan, you do not receive any additional tax deferral. <br> Withdrawals and partial surrenders are taxed as recovery of cost basis first and income second. Loans and collateral assignments are not taxable when taken. Any gain on your policy is taxed as ordinary income.<br> •  If your policy becomes a Modified Endowment Contract or MEC, loans, collateral assignments, withdrawals, and other pre-death distributions will be taxed as income first and recovery of cost basis second. You may have to pay a penalty tax if you take a distribution before you attain age 59½. | &nbsp;&nbsp; Federal Income Tax Considerations |

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| | | |
|:---|:---|:---|
|  | **CONFLICTS OF INTEREST** | **LOCATION IN** **PROSPECTUS** |
| &nbsp;&nbsp; **Investment Professional** **Compensation** | &nbsp;&nbsp; Your registered representative may receive compensation in the form of commissions for selling the policy to you. If your registered representative is also a MassMutual insurance agent, they are also eligible for certain cash and non-cash benefits from us. Cash compensation includes bonuses and allowances based on factors such as sales, productivity and persistency (policy retention). Non-cash compensation includes various recognition items such as prizes and awards as well as attendance at, and payment of the costs associated with attendance at, conferences, seminars and recognition trips, and also includes contributions to certain individual plans such as pension and medical plans. Sales of the policy may help these registered representatives and their supervisors qualify for such benefits.<br>This conflict of interest may influence your registered representative to offer or recommend this policy over another investment. | &nbsp;&nbsp; Other Information – Distribution |
| &nbsp;&nbsp; **Exchanges** | &nbsp;&nbsp; Some investment professionals may have a financial incentive to offer you the policy in place of the one you own. You should only exchange your current life insurance policy if you determine, after comparing the features, fees, and risks of both policies, that it is preferable for you to purchase the new policy rather than continue to own your existing life insurance policy. | &nbsp;&nbsp; N/A |

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Appendix A

**Funds Available Under the** **Policy**

The following is a list of Funds available under the policy. The list of Funds is subject to change, as discussed in the prospectus for the policy. More information about the Funds is available in the prospectuses for the Funds, which may be amended from time to time and can be found online at www.MassMutual.com/Electrum-Select. You can also request this information at no cost by calling (800) 665-2654 or sending an email request to BOLICOLIService@MassMutual.com.

The current expenses and performance information below reflects fees and expenses of the Funds, but do not reflect the other fees and expenses that your policy may charge. Expenses would be higher and performance would be lower if these other charges were included. Each Fund's past performance is not necessarily an indication of future performance.

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| | | | | |
|:---|:---|:---|:---|:---|
| **Fund Type** | **Current** **Expenses** **(expenses/** **average assets)** | **Average Annual Total Returns**<br>**(as of 12/31/2025)** | **Average Annual Total Returns**<br>**(as of 12/31/2025)** | **Average Annual Total Returns**<br>**(as of 12/31/2025)** |
| **Fund Type** | **Current** **Expenses** **(expenses/** **average assets)** | **1 Year** | **5 Year** | **10 Year** |
| Asset Allocation<br> American Funds Insurance Series<sup>®</sup> Asset Allocation Fund (Class 1)<br>***Adviser:*** Capital Research and Management Company<sup>SM</sup><br>***Sub-Adviser:*** N/A | 0.29<br> %<br>| 16.16<br> %<br>| 9.24<br> %<br>| 10.05<br> %<br>|
| Asset Allocation<br> Fidelity<sup>®</sup> VIP Freedom 2020 Portfolio<sup>SM</sup> (Service Class)<sup>(1)</sup><br>***Adviser:*** Fidelity Management & Research Company LLC<br>***Sub-Adviser:*** N/A | 0.54<br> %<br>| 13.18<br> %<br>| 4.73<br> %<br>| 7.27<br> %<br>|
| Asset Allocation<br> Fidelity<sup>®</sup> VIP Freedom 2025 Portfolio<sup>SM</sup> (Service Class)<sup>(1)</sup><br>***Adviser:*** Fidelity Management & Research Company LLC<br>***Sub-Adviser:*** N/A | 0.56<br> %<br>| 15.33<br> %<br>| 6.13<br> %<br>| 8.77<br> %<br>|
| Asset Allocation<br> Fidelity<sup>®</sup> VIP Freedom 2030 Portfolio<sup>SM</sup> (Service Class)<sup>(1)</sup><br>***Adviser:*** Fidelity Management & Research Company LLC<br>***Sub-Adviser:*** N/A | 0.59<br> %<br>| 18.66<br> %<br>| 8.89<br> %<br>| 10.76<br> %<br>|
| Asset Allocation<br> Fidelity<sup>®</sup> VIP Freedom 2035 Portfolio<sup>SM</sup> (Service Class)<sup>(1)</sup><br>***Adviser:*** Fidelity Management & Research Company LLC<br>***Sub-Adviser:*** N/A | 0.63<br> %<br>| 16.58<br> %<br>| 7.44<br> %<br>| 9.89<br> %<br>|
| Asset Allocation<br> Fidelity<sup>®</sup> VIP Freedom 2040 Portfolio<sup>SM</sup> (Service Class)<sup>(1)</sup><br>***Adviser:*** Fidelity Management & Research Company LLC<br>***Sub-Adviser:*** N/A | 0.67<br> %<br>| 19.68<br> %<br>| 9.33<br> %<br>| 10.98<br> %<br>|
| Asset Allocation<br> Fidelity<sup>®</sup> VIP Freedom 2045 Portfolio<sup>SM</sup> (Service Class)<sup>(1)</sup><br>***Adviser:*** Fidelity Management & Research Company LLC<br>***Sub-Adviser:*** N/A | 0.70<br> %<br>| 19.73<br> %<br>| 9.33<br> %<br>| 10.98<br> %<br>|
| Asset Allocation<br> Fidelity<sup>®</sup> VIP Freedom 2050 Portfolio<sup>SM</sup> (Service Class)<sup>(1)</sup><br>***Adviser:*** Fidelity Management & Research Company LLC<br>***Sub-Adviser:*** N/A | 0.70<br> %<br>| 19.68<br> %<br>| 9.33<br> %<br>| 10.98<br> %<br>|
| Asset Allocation<br> Fidelity<sup>®</sup> VIP Freedom 2055 Portfolio<sup>SM</sup> (Service Class)<sup>(1)</sup><br>***Adviser:*** Fidelity Management & Research Company LLC<br>***Sub-Adviser:*** N/A | 0.70<br> %<br>| 19.71<br> %<br>| 9.33<br> %<br>|  |
| Asset Allocation<br> Fidelity<sup>®</sup> VIP Freedom 2060 Portfolio<sup>SM</sup> (Service Class)<sup>(1)</sup><br>***Adviser:*** Fidelity Management & Research Company LLC<br>***Sub-Adviser:*** N/A | 0.70<br> %<br>| 19.75<br> %<br>| 9.33<br> %<br>|  |
| Asset Allocation<br> Fidelity<sup>®</sup> VIP Freedom 2065 Portfolio<sup>SM</sup> (Service Class)<sup>(1)</sup><br>***Adviser:*** Fidelity Management & Research Company LLC<br>***Sub-Adviser:*** N/A | 0.70<br> %<br>| 19.71<br> %<br>| 9.33<br> %<br>|  |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Fund Type** | **Fund and Adviser/Sub-Adviser** | **Current** **Expenses** **(expenses/** **average assets)** | **Average Annual Total Returns**<br>**(as of 12/31/2025)** | **Average Annual Total Returns**<br>**(as of 12/31/2025)** | **Average Annual Total Returns**<br>**(as of 12/31/2025)** |
| **Fund Type** | **Fund and Adviser/Sub-Adviser** | **Current** **Expenses** **(expenses/** **average assets)** | **1 Year** | **5 Year** | **10 Year**  |
| Asset Allocation | Fidelity<sup>®</sup> VIP Freedom 2070 Portfolio<sup>SM</sup> (Service Class)<sup>(1)</sup><br>***Adviser:*** Fidelity Management & Research Company LLC<br>***Sub-Adviser:*** N/A | 0.70<br> %<br>| 19.92<br> %<br>|  |  |
| Asset Allocation | Fidelity<sup>®</sup> VIP Freedom Retirement Portfolio<sup>SM</sup> (Service Class)<sup>(1)</sup><sup>(2)</sup><br>***Adviser:*** Fidelity Management & Research Company LLC<br>***Sub-Adviser:*** N/A | 0.46<br> %<br>| 9.56<br> %<br>| 2.25<br> %<br>| 4.34<br> %<br>|
| Asset Allocation | MML VIP Aggressive Allocation Fund (Initial Class)<sup>(1)</sup><sup>(3)</sup><br>***Adviser:*** MML Investment Advisers, LLC<br>***Sub-Adviser:*** N/A | 0.98<br> %<br>| 14.17<br> %<br>| 8.36<br> %<br>| 9.53<br> %<br>|
| Asset Allocation | MML VIP American Funds 65/35 Allocation Fund<br>(Service Class I)<sup>(1)</sup><sup>(4)</sup><br>***Adviser:*** MML Investment Advisers, LLC<br>***Sub-Adviser:*** N/A | 1.02<br> %<br>| 14.54<br> %<br>| 7.37<br> %<br>| 8.39<br> %<br>|
| Asset Allocation | MML VIP Balanced Allocation Fund (Initial Class)<sup>(1)</sup><sup>(5)</sup><br>***Adviser:*** MML Investment Advisers, LLC<br>***Sub-Adviser:*** N/A | 0.86<br> %<br>| 11.10<br> %<br>| 4.76<br> %<br>| 6.33<br> %<br>|
| Asset Allocation | MML VIP Conservative Allocation Fund (Initial Class)<sup>(1)</sup><sup>(6)</sup><br>***Adviser:*** MML Investment Advisers, LLC<br>***Sub-Adviser:*** N/A | 0.83<br> %<br>| 10.29<br> %<br>| 3.98<br> %<br>| 5.59<br> %<br>|
| Asset Allocation | MML VIP Growth Allocation Fund (Initial Class)<sup>(1)</sup><sup>(7)</sup><br>***Adviser:*** MML Investment Advisers, LLC<br>***Sub-Adviser:*** N/A | 0.90<br> %<br>| 12.99<br> %<br>| 7.08<br> %<br>| 8.38<br> %<br>|
| Asset Allocation | MML VIP Moderate Allocation Fund (Initial Class)<sup>(1)</sup><sup>(8)</sup><br>***Adviser:*** MML Investment Advisers, LLC<br>***Sub-Adviser:*** N/A | 0.87<br> %<br>| 11.83<br> %<br>| 5.72<br> %<br>| 7.08<br> %<br>|
| Asset Allocation | Schwab<sup>®</sup> VIT Balanced Portfolio<br>***Adviser:*** Schwab Asset Management<br>***Sub-Adviser:*** N/A | 0.57<br> %<br>| 12.85<br> %<br>| 4.69<br> %<br>| 5.51<br> %<br>|
| Asset Allocation | Schwab<sup>®</sup> VIT Balanced with Growth Portfolio<br>***Adviser:*** Schwab Asset Management<br>***Sub-Adviser:*** N/A | 0.54<br> %<br>| 15.60<br> %<br>| 6.45<br> %<br>| 7.20<br> %<br>|
| Asset Allocation | Schwab<sup>®</sup> VIT Growth Portfolio<br>***Adviser:*** Schwab Asset Management<br>***Sub-Adviser:*** N/A | 0.55<br> %<br>| 18.24<br> %<br>| 8.07<br> %<br>| 8.65<br> %<br>|
| Money Market | Invesco V.I. Government Money Market Fund (Series I)<br>***Adviser:*** Invesco Advisers, Inc.<br>***Sub-Adviser:*** N/A | 0.38<br> %<br>| 4.02<br> %<br>| 3.05<br> %<br>| 1.96<br> %<br>|
| Money Market | MML VIP Barings U.S. Government Money Market Fund<br>(Initial Class)<sup>(9)</sup><sup>(10)</sup><br>***Adviser:*** MML Investment Advisers, LLC<br>***Sub-Adviser:*** Barings LLC | 0.52<br> %<br>| 3.80<br> %<br>| 2.87<br> %<br>| 1.80<br> %<br>|
| Fixed Income | American Funds Insurance Series<sup>®</sup> American High-Income Trust<sup>®</sup> (Class 1A)<br>***Adviser:*** Capital Research and Management Company<sup>SM</sup><br>***Sub-Adviser:*** N/A | 0.62<br> %<br> <sup>(\*)</sup><br>| 8.19<br> %<br>| 5.59<br> %<br>| 6.99<br> %<br>|

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Fund Type** | **Fund and Adviser/Sub-Adviser** | **Current** **Expenses** **(expenses/** **average assets)** | **Average Annual Total Returns**<br>**(as of 12/31/2025)** | **Average Annual Total Returns**<br>**(as of 12/31/2025)** | **Average Annual Total Returns**<br>**(as of 12/31/2025)** |
| **Fund Type** | **Fund and Adviser/Sub-Adviser** | **Current** **Expenses** **(expenses/** **average assets)** | **1 Year** | **5 Year** | **10 Year**  |
| Fixed Income | American Funds Insurance Series<sup>®</sup> Capital World Bond Fund<sup>®</sup><br>(Class 1)<br>***Adviser:*** Capital Research and Management Company<sup>SM</sup><br>***Sub-Adviser:*** N/A | 0.48<br> %<br>| 9.55<br> %<br>| –2.27<br> %<br>| 1.47<br> %<br>|
| Fixed Income | American Funds Insurance Series<sup>®</sup> The Bond Fund of America<sup>®</sup> (Class 1A)<br>***Adviser:*** Capital Research and Management Company<sup>SM</sup><br>***Sub-Adviser:*** N/A | 0.47<br> %<br> <sup>(\*)</sup><br>| 7.24<br> %<br>| –0.14<br> %<br>| 2.39<br> %<br>|
| Fixed Income | American Funds Insurance Series<sup>®</sup> U.S. Government Securities Fund<sup>®</sup> (Class 1A)<br>***Adviser:*** Capital Research and Management Company<sup>SM</sup><br>***Sub-Adviser:*** N/A | 0.50<br> %<br> <sup>(\*)</sup><br>| 7.80<br> %<br>| –0.24<br> %<br>| 1.74<br> %<br>|
| Fixed Income | BlackRock High Yield V.I. Fund (Class I)<br>***Adviser:*** BlackRock Advisors, LLC<br>***Sub-Adviser:*** BlackRock International Limited | 0.54<br> %<br> <sup>(\*)</sup><br>| 9.22<br> %<br>| 4.81<br> %<br>| 6.32<br> %<br>|
| Fixed Income | BlackRock Total Return V.I. Fund (Class I)<br>***Adviser:*** BlackRock Advisors, LLC<br>***Sub-Advisers:*** BlackRock International Limited and BlackRock (Singapore) Limited | 0.43<br> %<br> <sup>(\*)</sup><br>| 8.02<br> %<br>| –0.36<br> %<br>| 2.18<br> %<br>|
| Fixed Income | Dimensional VA Global Bond Portfolio (Institutional Class)<br>***Adviser:*** Dimensional Fund Advisors LP<br>***Sub-Advisers:*** Dimensional Fund Advisors Ltd. and DFA Australia Limited | 0.21<br> %<br>| 4.35<br> %<br>| 1.38<br> %<br>| 1.81<br> %<br>|
| Fixed Income | Dimensional VIT Inflation-Protected Securities Portfolio (Institutional Class)<br>***Adviser:*** Dimensional Fund Advisors LP<br>***Sub-Advisers:*** Dimensional Fund Advisors Ltd. and DFA Australia Limited | 0.11<br> %<br>| 7.55<br> %<br>| 1.05<br> %<br>| 3.12<br> %<br>|
| Fixed Income | Eaton Vance VT Floating-Rate Income Fund (ADV Class)<br>***Adviser:*** Eaton Vance Management<br>***Sub-Adviser:*** N/A | 0.94<br> %<br>| 4.35<br> %<br>| 4.91<br> %<br>| 4.70<br> %<br>|
| Fixed Income | Fidelity<sup>®</sup> VIP Bond Index Portfolio (Service Class 2)<br>***Adviser:*** Fidelity Management & Research Company LLC<br>***Sub-Advisers:*** FMR Investment Management (UK) Limited, Fidelity Management & Research (Hong Kong) Limited, and Fidelity Management & Research (Japan) Limited | 0.39<br> %<br>| 6.76<br> %<br>| –0.81<br> %<br>|  |
| Fixed Income | Fidelity<sup>®</sup> VIP Floating Rate High Income Portfolio (Initial Class)<br>***Adviser:*** Fidelity Management & Research Company LLC<br>***Sub-Advisers:*** N/A | 0.73<br> %<br>| 5.33<br> %<br>| 6.06<br> %<br>| 5.44<br> %<br>|
| Fixed Income | Franklin Strategic Income VIP Fund (Class 2)<br>***Adviser:*** Franklin Advisers, Inc.<br>***Sub-Adviser:*** N/A | 1.07<br> %<br> <sup>(\*)</sup><br>| 7.24<br> %<br>| 1.92<br> %<br>| 3.10<br> %<br>|
| Fixed Income | Goldman Sachs Core Fixed Income Fund (Service)<br>***Adviser:*** Goldman Sachs Asset Management, L.P.<br>***Sub-Adviser:*** N/A | 0.67<br> %<br> <sup>(\*)</sup><br>| 7.32<br> %<br>| –0.81<br> %<br>| 1.87<br> %<br>|
| Fixed Income | Invesco V.I. Global Strategic Income Fund (Series I)<br>***Adviser:*** Invesco Advisers, Inc.<br>***Sub-Adviser:*** N/A | 0.95<br> %<br> <sup>(\*)</sup><br>| 12.98<br> %<br>| 1.65<br> %<br>| 3.01<br> %<br>|

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Fund Type** | **Fund and Adviser/Sub-Adviser** | **Current** **Expenses** **(expenses/** **average assets)** | **Average Annual Total Returns**<br>**(as of 12/31/2025)** | **Average Annual Total Returns**<br>**(as of 12/31/2025)** | **Average Annual Total Returns**<br>**(as of 12/31/2025)** |
| **Fund Type** | **Fund and Adviser/Sub-Adviser** | **Current** **Expenses** **(expenses/** **average assets)** | **1 Year** | **5 Year** | **10 Year**  |
| Fixed Income | LVIP American Century Inflation Protection Fund (Service Class)<br>***Adviser:*** Lincoln Financial Investments Corporation<br>***Sub-Adviser:*** American Century Investment Management, Inc. | 0.72<br> %<br> <sup>(\*)</sup><br>| 6.33<br> %<br>| 0.62<br> %<br>| 2.61<br> %<br>|
| Fixed Income | MFS<sup>®</sup> Government Securities Portfolio (Initial Class)<br>***Adviser:*** Massachusetts Financial Services Company<br>***Sub-Adviser:*** N/A | 0.56<br> %<br> <sup>(\*)</sup><br>| 6.99<br> %<br>| –0.68<br> %<br>| 1.29<br> %<br>|
| Fixed Income | MML VIP Barings Core Bond Fund (Initial Class)<sup>(11)</sup><br>***Adviser:*** MML Investment Advisers, LLC<br>***Sub-Adviser:*** Barings LLC | 0.45<br> %<br>| 7.85<br> %<br>| 0.48<br> %<br>| 2.64<br> %<br>|
| Fixed Income | MML VIP Barings Inflation-Protected and Income Fund<br>(Initial Class)<sup>(12)</sup><br>***Adviser:*** MML Investment Advisers, LLC<br>***Sub-Adviser:*** Barings LLC | 0.65<br> %<br>| 5.89<br> %<br>| 1.12<br> %<br>| 3.15<br> %<br>|
| Fixed Income | MML VIP Barings Short-Duration Bond Fund (Class II)<sup>(13)</sup><br>***Adviser:*** MML Investment Advisers, LLC<br>***Sub-Adviser:*** Barings LLC | 0.59<br> %<br>| 5.96<br> %<br>| 2.56<br> %<br>| 2.57<br> %<br>|
| Fixed Income | MML VIP Fidelity Institutional AM<sup>®</sup> Core Plus Bond Fund<br>(Class II)<sup>(14)</sup><br>***Adviser:*** MML Investment Advisers, LLC<br>***Sub-Adviser:*** FIAM LLC | 0.61<br> %<br>| 7.41<br> %<br>| –0.83<br> %<br>| 1.83<br> %<br>|
| Fixed Income | PIMCO Emerging Markets Bond Portfolio (Advisor Class)<br>***Adviser:*** Pacific Investment Management Company LLC<br>***Sub-Adviser:*** N/A | 1.27<br> %<br>| 14.92<br> %<br>| 2.35<br> %<br>| 4.97<br> %<br>|
| Fixed Income | PIMCO Global Bond Opportunities Portfolio (Unhedged) (Administrative Class)<br>***Adviser:*** Pacific Investment Management Company LLC<br>***Sub-Adviser:*** N/A | 1.15<br> %<br>| 12.78<br> %<br>| 0.15<br> %<br>| 2.46<br> %<br>|
| Fixed Income | PIMCO High Yield Portfolio (Administrative Class)<br>***Adviser:*** Pacific Investment Management Company LLC<br>***Sub-Adviser:*** N/A | 0.81<br> %<br>| 8.99<br> %<br>| 3.99<br> %<br>| 5.58<br> %<br>|
| Fixed Income | PIMCO Long-Term U.S. Government Portfolio<br>(Administrative Class)<br>***Adviser:*** Pacific Investment Management Company LLC<br>***Sub-Adviser:*** N/A | 2.48<br> %<br>| 6.32<br> %<br>| –6.79<br> %<br>| 0.03<br> %<br>|
| Fixed Income | PIMCO Real Return Portfolio (Administrative Class)<br>***Adviser:*** Pacific Investment Management Company LLC<br>***Sub-Adviser:*** N/A | 1.39<br> %<br>| 7.87<br> %<br>| 1.22<br> %<br>| 3.22<br> %<br>|
| Fixed Income | PIMCO Short Term Portfolio (Administrative Class)<br>***Adviser:*** Pacific Investment Management Company LLC<br>***Sub-Adviser:*** N/A | 0.65<br> %<br>| 4.67<br> %<br>| 3.25<br> %<br>| 2.76<br> %<br>|
| Fixed Income | PIMCO Total Return Portfolio (Administrative Class)<br>***Adviser:*** Pacific Investment Management Company LLC<br>***Sub-Adviser:*** N/A | 0.73<br> %<br>| 8.92<br> %<br>| 0.02<br> %<br>| 2.36<br> %<br>|
| Fixed Income | T. Rowe Price Limited-Term Bond Portfolio<br>***Adviser:*** T. Rowe Price Associates, Inc.<br>***Sub-Advisers:*** T. Rowe Price Hong Kong Limited and T. Rowe Price International Ltd. | 0.50<br> %<br> <sup>(\*)</sup><br>| 5.73<br> %<br>| 2.17<br> %<br>| 2.35<br> %<br>|

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Fund Type** | **Fund and Adviser/Sub-Adviser** | **Current** **Expenses** **(expenses/** **average assets)** | **Average Annual Total Returns**<br>**(as of 12/31/2025)** | **Average Annual Total Returns**<br>**(as of 12/31/2025)** | **Average Annual Total Returns**<br>**(as of 12/31/2025)** |
| **Fund Type** | **Fund and Adviser/Sub-Adviser** | **Current** **Expenses** **(expenses/** **average assets)** | **1 Year** | **5 Year** | **10 Year**  |
| Fixed Income | Templeton Global Bond VIP Fund (Class 1)<br>***Adviser:*** Franklin Advisers, Inc.<br>***Sub-Adviser:*** N/A | 0.50<br> %<br> <sup>(\*)</sup><br>| 16.09<br> %<br>| –0.69<br> %<br>| 0.11<br> %<br>|
| Fixed Income | Vanguard VIF High Yield Bond Portfolio<br>***Advisers:*** Wellington Management Company LLP and The Vanguard Group, Inc.<br>***Sub-Adviser:*** N/A | 0.24<br> %<br>| 9.18<br> %<br>| 4.05<br> %<br>| 5.62<br> %<br>|
| Fixed Income | Vanguard VIF Short-Term Investment-Grade Portfolio<br>***Adviser:*** The Vanguard Group, Inc.<br>***Sub-Adviser:*** N/A | 0.14<br> %<br>| 6.85<br> %<br>| 2.23<br> %<br>| 2.81<br> %<br>|
| Fixed Income | Western Asset Long Credit VIT (Class I)<br>***Adviser:*** Legg Mason Partners Fund Advisor, LLC<br>***Sub-Advisers:*** Western Asset Management Company, LLC and Western Asset Management Company Limited | 0.41<br> %<br>| 8.59<br> %<br>|  |  |
| Balanced | Janus Henderson Balanced Portfolio (Institutional)<br>***Adviser:*** Janus Henderson Investors US LLC<br>***Sub-Adviser:*** N/A | 0.62<br> %<br>| 15.11<br> %<br>| 8.48<br> %<br>| 10.14<br> %<br>|
| Balanced | MML VIP BlackRock<sup>®</sup> Balanced Fund (Initial Class)<sup>(1)</sup><sup>(15)</sup><br>***Adviser:*** MML Investment Advisers, LLC<br>***Sub-Adviser:*** BlackRock Investment Management, LLC | 0.51<br> %<br>| 12.84<br> %<br>| 7.86<br> %<br>| 9.21<br> %<br>|
| Balanced | TOPS<sup>®</sup> Aggressive ETF Portfolio (Class 1)<sup>(1)</sup><sup>(16)</sup><br>***Adviser:*** ValMark Advisers, Inc.<br>***Sub-Adviser:*** Milliman Financial Risk Management, LLC | 0.29<br> %<br>| 19.17<br> %<br>| 9.69<br> %<br>| 10.71<br> %<br>|
| Balanced | TOPS<sup>®</sup> Balanced ETF Portfolio (Class 1)<sup>(1)</sup><br>***Adviser:*** ValMark Advisers, Inc.<br>***Sub-Adviser:*** Milliman Financial Risk Management, LLC | 0.29<br> %<br>| 13.17<br> %<br>| 5.79<br> %<br>| 6.66<br> %<br>|
| Balanced | TOPS<sup>®</sup> Conservative ETF Portfolio (Class 1)<sup>(1)</sup><br>***Adviser:*** ValMark Advisers, Inc.<br>***Sub-Adviser:*** Milliman Financial Risk Management, LLC | 0.31<br> %<br>| 10.39<br> %<br>| 4.61<br> %<br>| 5.25<br> %<br>|
| Balanced | TOPS<sup>®</sup> Moderate ETF Portfolio (Class 1)<sup>(1)</sup><sup>(17)</sup><br>***Adviser:*** ValMark Advisers, Inc.<br>***Sub-Adviser:*** Milliman Financial Risk Management, LLC | 0.29<br> %<br>| 15.50<br> %<br>| 7.20<br> %<br>| 8.26<br> %<br>|
| Balanced | TOPS<sup>®</sup> Moderately Aggressive ETF Portfolio (Class 1)<sup>(1)</sup><sup>(18)</sup><br>***Adviser:*** ValMark Advisers, Inc.<br>***Sub-Adviser:*** Milliman Financial Risk Management, LLC | 0.29<br> %<br>| 18.31<br> %<br>| 8.85<br> %<br>| 9.80<br> %<br>|
| Balanced | Vanguard VIF Balanced Portfolio<br>***Adviser:*** Wellington Management Company LLP<br>***Sub-Adviser:*** N/A | 0.20<br> %<br>| 16.46<br> %<br>| 9.29<br> %<br>| 10.03<br> %<br>|
| Large Cap Value | American Funds Insurance Series<sup>®</sup> Washington Mutual Investors Fund (Class 1A)<br>***Adviser:*** Capital Research and Management Company<sup>SM</sup><br>***Sub-Adviser:*** N/A | 0.50<br> %<br> <sup>(\*)</sup><br>| 17.21<br> %<br>| 13.88<br> %<br>| 12.37<br> %<br>|
| Large Cap Value | BlackRock Basic Value V.I. Fund (Class I)<br>***Adviser:*** BlackRock Advisors, LLC<br>***Sub-Adviser:*** N/A | 0.74<br> %<br> <sup>(\*)</sup><br>| 24.38<br> %<br>| 13.12<br> %<br>| 10.84<br> %<br>|

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Fund Type** | **Fund and Adviser/Sub-Adviser** | **Current** **Expenses** **(expenses/** **average assets)** | **Average Annual Total Returns**<br>**(as of 12/31/2025)** | **Average Annual Total Returns**<br>**(as of 12/31/2025)** | **Average Annual Total Returns**<br>**(as of 12/31/2025)** |
| **Fund Type** | **Fund and Adviser/Sub-Adviser** | **Current** **Expenses** **(expenses/** **average assets)** | **1 Year** | **5 Year** | **10 Year**  |
| Large Cap Value | Dimensional VA U.S. Large Value Portfolio (Institutional Class)<br>***Adviser:*** Dimensional Fund Advisors LP<br>***Sub-Adviser:*** N/A | 0.21<br> %<br>| 15.83<br> %<br>| 11.97<br> %<br>| 10.51<br> %<br>|
| Large Cap Value | Invesco V.I. Comstock Fund (Series I)<br>***Adviser:*** Invesco Advisers, Inc.<br>***Sub-Adviser:*** N/A | 0.75<br> %<br>| 17.44<br> %<br>| 15.43<br> %<br>| 11.95<br> %<br>|
| Large Cap Value | MFS<sup>®</sup> Value Series (Initial Class)<br>***Adviser:*** Massachusetts Financial Services Company<br>***Sub-Adviser:*** N/A | 0.69<br> %<br> <sup>(\*)</sup><br>| 13.01<br> %<br>| 9.95<br> %<br>| 10.05<br> %<br>|
| Large Cap Value | MML Income & Growth Fund (Initial Class)<br>***Adviser:*** MML Investment Advisers, LLC<br>***Sub-Adviser:*** Barrow, Hanley, Mewhinney & Strauss, LLC | 0.72<br> %<br>| 13.34<br> %<br>| 12.35<br> %<br>| 10.73<br> %<br>|
| Large Cap Value | MML VIP Franklin Templeton Equity Fund (Initial Class)<sup>(19)</sup><br>***Adviser:*** MML Investment Advisers, LLC<br>***Sub-Adviser:*** Brandywine Global Investment Management, LLC | 0.44<br> %<br>| 17.49<br> %<br>| 13.75<br> %<br>| 11.23<br> %<br>|
| Large Cap Value | MML VIP T. Rowe Price Equity Income Fund (Initial Class)<sup>(20)</sup><br>***Adviser:*** MML Investment Advisers, LLC<br>***Sub-Adviser:*** T. Rowe Price Associates, Inc. | 0.79<br> %<br>| 14.45<br> %<br>| 11.14<br> %<br>| 10.52<br> %<br>|
| Large Cap Value | Vanguard VIF Diversified Value Portfolio<br>***Advisers:*** Hotchkis and Wiley Capital Management, LLC, Aristotle Capital Management, LLC, and Harris Associates L.P.<br>***Sub-Adviser:*** N/A | 0.28<br> %<br>| 16.83<br> %<br>| 13.24<br> %<br>| 11.76<br> %<br>|
| Large Cap Value | Vanguard VIF Equity Income Portfolio<br>***Advisers:*** Wellington Management Company LLP and The Vanguard Group, Inc.<br>***Sub-Adviser:*** N/A | 0.29<br> %<br>| 16.80<br> %<br>| 12.59<br> %<br>| 11.52<br> %<br>|
| Large Cap Blend | American Funds Insurance Series<sup>®</sup> Growth-Income Fund (Class 1A)<br>***Adviser:*** Capital Research and Management Company<sup>SM</sup><br>***Sub-Adviser:*** N/A | 0.53<br> %<br>| 18.06<br> %<br>| 13.90<br> %<br>| 13.96<br> %<br>|
| Large Cap Blend | Fidelity<sup>®</sup> VIP Contrafund<sup>®</sup> Portfolio (Initial Class)<br>***Adviser:*** Fidelity Management & Research Company LLC<br>***Sub-Advisers:*** FMR Investment Management (UK) Limited, Fidelity Management & Research (Hong Kong) Limited, and Fidelity Management & Research (Japan) Limited | 0.54<br> %<br>| 21.48<br> %<br>| 15.36<br> %<br>| 15.77<br> %<br>|
| Large Cap Blend | Fidelity<sup>®</sup> VIP Index 500 Portfolio (Service Class)<br>***Adviser:*** Fidelity Management & Research Company LLC<br>***Sub-Adviser:*** Geode Capital Management, LLC | 0.19<br> %<br>| 17.66<br> %<br>| 14.20<br> %<br>| 14.59<br> %<br>|
| Large Cap Blend | Fidelity<sup>®</sup> VIP Total Market Index Portfolio (Service Class 2)<br>***Adviser:*** Fidelity Management & Research Company LLC<br>***Sub-Adviser:*** Geode Capital Management, LLC | 0.36<br> %<br>| 16.86<br> %<br>| 12.86<br> %<br>|  |
| Large Cap Blend | Invesco V.I. Diversified Dividend Fund (Series I)<br>***Adviser:*** Invesco Advisers, Inc.<br>***Sub-Adviser:*** N/A | 0.68<br> %<br>| 15.74<br> %<br>| 10.80<br> %<br>| 9.20<br> %<br>|
| Large Cap Blend | MFS<sup>®</sup> Blended Research<sup>®</sup> Core Equity Portfolio (Initial Class)<br>***Adviser:*** Massachusetts Financial Services Company<br>***Sub-Adviser:*** N/A | 0.30<br> %<br> <sup>(\*)</sup><br>| 16.10<br> %<br>| 15.30<br> %<br>| 13.88<br> %<br>|

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Fund Type** | **Fund and Adviser/Sub-Adviser** | **Current** **Expenses** **(expenses/** **average assets)** | **Average Annual Total Returns**<br>**(as of 12/31/2025)** | **Average Annual Total Returns**<br>**(as of 12/31/2025)** | **Average Annual Total Returns**<br>**(as of 12/31/2025)** |
| **Fund Type** | **Fund and Adviser/Sub-Adviser** | **Current** **Expenses** **(expenses/** **average assets)** | **1 Year** | **5 Year** | **10 Year**  |
| Large Cap Blend | MML Focused Equity Fund (Class II)<br>***Adviser:*** MML Investment Advisers, LLC<br>***Sub-Adviser:*** Wellington Management Company LLP | 0.90<br> %<br>| 7.90<br> %<br>| 8.75<br> %<br>| 12.51<br> %<br>|
| Large Cap Blend | MML Sustainable Equity Fund (Initial Class)<br>***Adviser:*** MML Investment Advisers, LLC<br>***Sub-Adviser:*** American Century Investment Management, Inc. | 0.56<br> %<br>| 11.50<br> %<br>| 11.93<br> %<br>| 12.98<br> %<br>|
| Large Cap Blend | MML VIP Invesco Main Street Equity Fund (Class II)<sup>(21)</sup><br>***Adviser:*** MML Investment Advisers, LLC<br>***Sub-Adviser:*** Invesco Advisers, Inc. | 0.80<br> %<br>| 16.15<br> %<br>| 12.47<br> %<br>| 14.45<br> %<br>|
| Large Cap Blend | MML VIP JPMorgan U.S. Research Enhanced Equity Fund<br>(Initial Class)<sup>(22)</sup><br>***Adviser:*** MML Investment Advisers, LLC<br>***Sub-Adviser:*** J.P. Morgan Investment Management Inc. | 0.77<br> %<br>| 10.59<br> %<br>| 7.06<br> %<br>| 6.11<br> %<br>|
| Large Cap Blend | Schwab<sup>®</sup> S&P 500 Index Portfolio<br>***Adviser:*** Schwab Asset Management<br>***Sub-Adviser:*** N/A | 0.03<br> %<br>| 17.83<br> %<br>| 14.38<br> %<br>| 14.75<br> %<br>|
| Large Cap Blend | Vanguard VIF PRIMECAP Portfolio<sup>(23)</sup><br>***Adviser:*** PRIMECAP Management Company<br>***Sub-Adviser:*** N/A | 0.34<br> %<br>| 28.98<br> %<br>| 13.97<br> %<br>| 14.96<br> %<br>|
| Large Cap Growth | Fidelity<sup>®</sup> VIP Growth Portfolio (Service Class)<br>***Adviser:*** Fidelity Management & Research Company LLC<br>***Sub-Advisers:*** FMR Investment Management (UK) Limited, Fidelity Management & Research (Hong Kong) Limited, and Fidelity Management & Research (Japan) Limited | 0.65<br> %<br>| 14.78<br> %<br>| 13.58<br> %<br>| 17.33<br> %<br>|
| Large Cap Growth | Invesco V.I. American Franchise Fund (Series I)<br>***Adviser:*** Invesco Advisers, Inc.<br>***Sub-Adviser:*** N/A | 0.85<br> %<br>| 11.66<br> %<br>| 10.35<br> %<br>| 14.87<br> %<br>|
| Large Cap Growth | MFS<sup>®</sup> Growth Series (Initial Class)<br>***Adviser:*** Massachusetts Financial Services Company<br>***Sub-Adviser:*** N/A | 0.73<br> %<br> <sup>(\*)</sup><br>| 12.19<br> %<br>| 11.10<br> %<br>| 15.60<br> %<br>|
| Large Cap Growth | MML VIP American Funds Growth Fund (Service Class I)<sup>(24)</sup><sup>(25)</sup><sup>(26)</sup><br>***Adviser:*** MML Investment Advisers, LLC<br>***Sub-Adviser:*** N/A | 1.02<br> %<br>| 19.66<br> %<br>| 12.89<br> %<br>| 17.47<br> %<br>|
| Large Cap Growth | MML VIP Loomis Sayles Large Cap Growth Fund (Initial Class)<sup>(27)</sup><br>***Adviser:*** MML Investment Advisers, LLC<br>***Sub-Adviser:*** Loomis, Sayles & Company, L.P. | 0.70<br> %<br>| 15.09<br> %<br>| 14.97<br> %<br>| 16.34<br> %<br>|
| Large Cap Growth | MML VIP T. Rowe Price Blue Chip Growth Fund (Initial Class)<sup>(28)</sup><br>***Adviser:*** MML Investment Advisers, LLC<br>***Sub-Adviser:*** T. Rowe Price Associates, Inc. | 0.78<br> %<br>| 18.41<br> %<br>| 11.08<br> %<br>| 15.25<br> %<br>|
| Large Cap Growth | Vanguard VIF Growth Portfolio<br>***Adviser:*** Wellington Management Company LLP<br>***Sub-Adviser:*** N/A | 0.36<br> %<br>| 16.89<br> %<br>| 11.36<br> %<br>| 15.58<br> %<br>|
| Small/Mid-Cap Value | Dimensional VA U.S. Targeted Value Portfolio (Institutional Class)<br>***Adviser:*** Dimensional Fund Advisors LP<br>***Sub-Adviser:*** N/A | 0.29<br> %<br>| 8.95<br> %<br>| 13.60<br> %<br>| 10.99<br> %<br>|

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Fund Type** | **Fund and Adviser/Sub-Adviser** | **Current** **Expenses** **(expenses/** **average assets)** | **Average Annual Total Returns**<br>**(as of 12/31/2025)** | **Average Annual Total Returns**<br>**(as of 12/31/2025)** | **Average Annual Total Returns**<br>**(as of 12/31/2025)** |
| **Fund Type** | **Fund and Adviser/Sub-Adviser** | **Current** **Expenses** **(expenses/** **average assets)** | **1 Year** | **5 Year** | **10 Year**  |
| Small/Mid-Cap Value | Franklin Small Cap Value VIP Fund (Class 2)<br>***Adviser:*** Franklin Mutual Advisers, LLC<br>***Sub-Adviser:*** N/A | 0.91<br> %<br> <sup>(\*)</sup><br>| 7.65<br> %<br>| 8.86<br> %<br>| 9.81<br> %<br>|
| Small/Mid-Cap Value | Goldman Sachs Mid Cap Value Fund (Institutional)<br>***Adviser:*** Goldman Sachs Asset Management, L.P.<br>***Sub-Adviser:*** N/A | 0.81<br> %<br> <sup>(\*)</sup><br>| 9.39<br> %<br>| 10.06<br> %<br>| 10.02<br> %<br>|
| Small/Mid-Cap Value | MFS<sup>®</sup> Mid Cap Value Portfolio (Initial Class)<br>***Adviser:*** Massachusetts Financial Services Company<br>***Sub-Adviser:*** N/A | 0.79<br> %<br> <sup>(\*)</sup><br>| 5.98<br> %<br>| 10.18<br> %<br>| 9.95<br> %<br>|
| Small/Mid-Cap Value | MML Small/Mid Cap Value Fund (Initial Class)<br>***Adviser:*** MML Investment Advisers, LLC<br>***Sub-Adviser:*** AllianceBernstein L.P. | 0.82<br> %<br>| 2.40<br> %<br>| 8.68<br> %<br>| 8.70<br> %<br>|
| Small/Mid-Cap Value | MML VIP American Century Mid Cap Value Fund (Initial Class)<sup>(29)</sup><br>***Adviser:*** MML Investment Advisers, LLC<br>***Sub-Adviser:*** American Century Investment Management, Inc. | 0.89<br> %<br>| 8.97<br> %<br>| 8.80<br> %<br>| 9.14<br> %<br>|
| Small/Mid-Cap Value | MML VIP American Century Small Company Value Fund<br>(Class II)<sup>(30)</sup><br>***Adviser:*** MML Investment Advisers, LLC<br>***Sub-Adviser:*** American Century Investment Management, Inc. | 0.99<br> %<br> <sup>(\*)</sup><br>| –3.39<br> %<br>| 5.15<br> %<br>| 8.54<br> %<br>|
| Small/Mid-Cap Value | Nomura VIP Small Cap Value Series (Service Class)<sup>(31)</sup><br>***Adviser:*** Delaware Management Company<br>***Sub-Adviser:*** N/A | 1.04<br> %<br>| 7.83<br> %<br>| 8.93<br> %<br>| 8.84<br> %<br>|
| Small/Mid-Cap Blend | BlackRock Small Cap Index V.I. Fund (Class III)<br>***Adviser:*** BlackRock Advisors, LLC<br>***Sub-Adviser:*** N/A | 0.47<br> %<br>| 12.37<br> %<br>| 5.67<br> %<br>| 9.17<br> %<br>|
| Small/Mid-Cap Blend | BNY Mellon MidCap Stock Portfolio (Service Shares)<br>***Adviser:*** BNY Mellon Investment Adviser, Inc.<br>***Sub-Adviser:*** Newton Investment Management North America, LLC | 1.05<br> %<br> <sup>(\*)</sup><br>| 9.81<br> %<br>| 9.39<br> %<br>| 8.51<br> %<br>|
| Small/Mid-Cap Blend | Fidelity<sup>®</sup> VIP Extended Market Index Portfolio (Service Class 2)<br>***Adviser:*** Fidelity Management & Research Company LLC<br>***Sub-Adviser:*** Geode Capital Management, LLC | 0.37<br> %<br>| 12.03<br> %<br>| 7.75<br> %<br>|  |
| Small/Mid-Cap Blend | Goldman Sachs Small Cap Equity Insights Fund (Institutional)<br>***Adviser:*** Goldman Sachs Asset Management, L.P.<br>***Sub-Adviser:*** N/A | 0.82<br> %<br> <sup>(\*)</sup><br>| 16.14<br> %<br>| 10.48<br> %<br>| 10.85<br> %<br>|
| Small/Mid-Cap Blend | Invesco V.I. Small Cap Equity Fund (Series I)<br>***Adviser:*** Invesco Advisers, Inc.<br>***Sub-Adviser:*** N/A | 0.96<br> %<br>| 8.05<br> %<br>| 7.32<br> %<br>| 9.55<br> %<br>|
| Small/Mid-Cap Blend | Lord Abbett Mid Cap Stock Portfolio (Class VC)<br>***Adviser:*** Lord, Abbett & Co. LLC<br>***Sub-Adviser:*** N/A | 1.15<br> %<br>| 7.05<br> %<br>| 10.16<br> %<br>| 7.98<br> %<br>|
| Small/Mid-Cap Blend | MML VIP Invesco Small Cap Equity Fund (Initial Class)<sup>(32)</sup><br>***Adviser:*** MML Investment Advisers, LLC<br>***Sub-Adviser:*** Invesco Advisers, Inc. | 0.71<br> %<br>| 8.86<br> %<br>| 8.38<br> %<br>| 10.73<br> %<br>|
| Small/Mid-Cap Blend | Vanguard VIF Mid-Cap Index Portfolio<br>***Adviser:*** The Vanguard Group, Inc.<br>***Sub-Adviser:*** N/A | 0.17<br> %<br>| 11.54<br> %<br>| 8.46<br> %<br>| 10.77<br> %<br>|

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Fund Type** | **Fund and Adviser/Sub-Adviser** | **Current** **Expenses** **(expenses/** **average assets)** | **Average Annual Total Returns**<br>**(as of 12/31/2025)** | **Average Annual Total Returns**<br>**(as of 12/31/2025)** | **Average Annual Total Returns**<br>**(as of 12/31/2025)** |
| **Fund Type** | **Fund and Adviser/Sub-Adviser** | **Current** **Expenses** **(expenses/** **average assets)** | **1 Year** | **5 Year** | **10 Year**  |
| Small/Mid-Cap Growth | Goldman Sachs Mid Cap Growth Fund (Service)<br>***Adviser:*** Goldman Sachs Asset Management, L.P.<br>***Sub-Adviser:*** N/A | 0.98<br> %<br> <sup>(\*)</sup><br>| 7.36<br> %<br>| 4.68<br> %<br>| 11.59<br> %<br>|
| Small/Mid-Cap Growth | LVIP American Century Capital Appreciation Fund<br>(Standard Class II)<br>***Adviser:*** Lincoln Financial Investments Corporation<br>***Sub-Adviser:*** American Century Investment Management, Inc. | 0.79<br> %<br> <sup>(\*)</sup><br>| 6.72<br> %<br>| 5.16<br> %<br>| 11.47<br> %<br>|
| Small/Mid-Cap Growth | MML VIP Invesco Discovery Mid Cap Fund (Class II)<sup>(33)</sup><br>***Adviser:*** MML Investment Advisers, LLC<br>***Sub-Adviser:*** Invesco Advisers, Inc. | 0.85<br> %<br> <sup>(\*)</sup><br>|  |  |  |
| Small/Mid-Cap Growth | MML VIP T. Rowe Price Mid Cap Growth Fund (Initial Class)<sup>(34)</sup><br>***Adviser:*** MML Investment Advisers, LLC<br>***Sub-Adviser:*** T. Rowe Price Associates, Inc. | 0.82<br> %<br>| 4.35<br> %<br>| 3.82<br> %<br>| 9.94<br> %<br>|
| Small/Mid-Cap Growth | MML VIP Wellington Small Cap Growth Equity Fund<br>(Initial Class)<sup>(35)</sup><br>***Adviser:*** MML Investment Advisers, LLC<br>***Sub-Adviser:*** Wellington Management Company LLP | 1.05<br> %<br> <sup>(\*)</sup><br>| 7.34<br> %<br>| 2.67<br> %<br>| 10.59<br> %<br>|
| International/Global | American Funds Insurance Series<sup>®</sup> Capital World Growth and Income Fund (Class 1A)<br>***Adviser:*** Capital Research and Management Company<sup>SM</sup><br>***Sub-Adviser:*** N/A | 0.66<br> %<br> <sup>(\*)</sup><br>| 24.79<br> %<br>| 10.28<br> %<br>| 11.07<br> %<br>|
| International/Global | American Funds Insurance Series<sup>®</sup> Global Growth Fund (Class 1)<br>***Adviser:*** Capital Research and Management Company<sup>SM</sup><br>***Sub-Adviser:*** N/A | 0.40<br> %<br> <sup>(\*)</sup><br>| 21.97<br> %<br>| 8.51<br> %<br>| 12.46<br> %<br>|
| International/Global | American Funds Insurance Series<sup>®</sup> Global Small Capitalization Fund (Class 1)<br>***Adviser:*** Capital Research and Management Company<sup>SM</sup><br>***Sub-Adviser:*** N/A | 0.65<br> %<br> <sup>(\*)</sup><br>| 14.89<br> %<br>| 0.73<br> %<br>| 7.50<br> %<br>|
| International/Global | American Funds Insurance Series<sup>®</sup> International Growth and Income Fund (Class 1)<br>***Adviser:*** Capital Research and Management Company<sup>SM</sup><br>***Sub-Adviser:*** N/A | 0.56<br> %<br>| 35.83<br> %<br>| 7.97<br> %<br>| 8.08<br> %<br>|
| International/Global | American Funds Insurance Series<sup>®</sup> New World Fund<sup>®</sup> (Class 1)<br>***Adviser:*** Capital Research and Management Company<sup>SM</sup><br>***Sub-Adviser:*** N/A | 0.57<br> %<br> <sup>(\*)</sup><br>| 28.60<br> %<br>| 5.59<br> %<br>| 9.53<br> %<br>|
| International/Global | Dimensional VA International Small Portfolio (Institutional Class)<br>***Adviser:*** Dimensional Fund Advisors LP<br>***Sub-Advisers:*** Dimensional Fund Advisors Ltd. and DFA Australia Limited | 0.39<br> %<br>| 36.99<br> %<br>| 8.89<br> %<br>| 8.68<br> %<br>|
| International/Global | Dimensional VA International Value Portfolio (Institutional Class)<br>***Adviser:*** Dimensional Fund Advisors LP<br>***Sub-Advisers:*** Dimensional Fund Advisors Ltd. and DFA Australia Limited | 0.27<br> %<br>| 45.64<br> %<br>| 15.85<br> %<br>| 10.46<br> %<br>|
| International/Global | Fidelity<sup>®</sup> VIP Emerging Markets Portfolio (Initial Class)<br>***Adviser:*** Fidelity Management & Research Company LLC<br>***Sub-Adviser:*** N/A | 0.87<br> %<br>| 41.20<br> %<br>| 5.88<br> %<br>| 10.93<br> %<br>|

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Fund Type** | **Fund and Adviser/Sub-Adviser** | **Current** **Expenses** **(expenses/** **average assets)** | **Average Annual Total Returns**<br>**(as of 12/31/2025)** | **Average Annual Total Returns**<br>**(as of 12/31/2025)** | **Average Annual Total Returns**<br>**(as of 12/31/2025)** |
| **Fund Type** | **Fund and Adviser/Sub-Adviser** | **Current** **Expenses** **(expenses/** **average assets)** | **1 Year** | **5 Year** | **10 Year**  |
| International/Global | Fidelity<sup>®</sup> VIP International Index Portfolio (Service Class 2)<br>***Adviser:*** Fidelity Management & Research Company LLC<br>***Sub-Adviser:*** Geode Capital Management, LLC | 0.41<br> %<br>| 32.82<br> %<br>| 7.76<br> %<br>|  |
| International/Global | Fidelity<sup>®</sup> VIP Overseas Portfolio (Initial Class)<br>***Adviser:*** Fidelity Management & Research Company LLC<br>***Sub-Advisers:*** FMR Investment Management (UK) Limited, Fidelity Management & Research (Hong Kong) Limited, Fidelity Management & Research (Japan) Limited, FIL Investment Advisors, FIL Investment Advisors (UK) Limited, and FIL Investments (Japan) Limited | 0.72<br> %<br>| 20.39<br> %<br>| 6.62<br> %<br>| 7.93<br> %<br>|
| International/Global | Franklin Mutual Global Discovery VIP Fund (Class 2)<br>***Adviser:*** Franklin Mutual Advisers, LLC<br>***Sub-Adviser:*** N/A | 1.16<br> %<br>| 23.34<br> %<br>| 12.00<br> %<br>| 8.52<br> %<br>|
| International/Global | Goldman Sachs International Equity Insights Fund (Institutional)<br>***Adviser:*** Goldman Sachs Asset Management, L.P.<br>***Sub-Adviser:*** N/A | 0.81<br> %<br> <sup>(\*)</sup><br>| 38.48<br> %<br>| 11.09<br> %<br>| 8.24<br> %<br>|
| International/Global | Invesco V.I. EQV International Equity Fund (Series I)<br>***Adviser:*** Invesco Advisers, Inc.<br>***Sub-Adviser:*** N/A | 0.90<br> %<br>| 16.50<br> %<br>| 3.68<br> %<br>| 6.22<br> %<br>|
| International/Global | Invesco V.I. International Growth Fund (Series I)<sup>(36)</sup><br>***Adviser:*** Invesco Advisers, Inc.<br>***Sub-Adviser:*** N/A | 1.00<br> %<br> <sup>(\*)</sup><br>| 16.32<br> %<br>| 2.15<br> %<br>| 5.64<br> %<br>|
| International/Global | LVIP American Century International Fund (Standard Class II)<br>***Adviser:*** Lincoln Financial Investments Corporation<br>***Sub-Adviser:*** American Century Investment Management, Inc. | 0.95<br> %<br> <sup>(\*)</sup><br>| 15.98<br> %<br>| 1.85<br> %<br>| 6.42<br> %<br>|
| International/Global | MFS<sup>®</sup> International Intrinsic Equity Portfolio (Initial Class)<sup>(37)</sup><br>***Adviser:*** Massachusetts Financial Services Company<br>***Sub-Adviser:*** N/A | 0.89<br> %<br> <sup>(\*)</sup><br>| 33.26<br> %<br>| 7.28<br> %<br>| 9.95<br> %<br>|
| International/Global | MML Foreign Fund (Initial Class)<br>***Adviser:*** MML Investment Advisers, LLC<br>***Sub-Adviser:*** Thompson, Siegel and Walmsley LLC | 0.92<br> %<br>| 32.60<br> %<br>| 9.01<br> %<br>| 6.72<br> %<br>|
| International/Global | MML VIP Invesco Global Fund (Class II)<sup>(38)</sup><br>***Adviser:*** MML Investment Advisers, LLC<br>***Sub-Adviser:*** Invesco Advisers, Inc. | 0.81<br> %<br>| 23.11<br> %<br>| 7.51<br> %<br>| 9.96<br> %<br>|
| International/Global | MML VIP MFS International Equity Fund (Class II)<sup>(39)</sup><br>***Adviser:*** MML Investment Advisers, LLC<br>***Sub-Adviser:*** Massachusetts Financial Services Company | 0.93<br> %<br> <sup>(\*)</sup><br>| 25.54<br> %<br>| 7.32<br> %<br>| 7.23<br> %<br>|
| International/Global | Nomura VIP Emerging Markets Series (Service Class)<sup>(40)</sup><br>***Adviser:*** Delaware Management Company<br>***Sub-Adviser:*** N/A | 1.46<br> %<br> <sup>(\*)</sup><br>| 80.77<br> %<br>| 8.48<br> %<br>| 11.86<br> %<br>|
| International/Global | Vanguard VIF International Portfolio<br>***Advisers:*** Baillie Gifford Overseas Ltd. and Schroder Investment Management North America Inc.<br>***Sub-Adviser:*** N/A | 0.32<br> %<br>| 19.97<br> %<br>| 0.62<br> %<br>| 10.48<br> %<br>|

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Fund Type** | **Fund and Adviser/Sub-Adviser** | **Current** **Expenses** **(expenses/** **average assets)** | **Average Annual Total Returns**<br>**(as of 12/31/2025)** | **Average Annual Total Returns**<br>**(as of 12/31/2025)** | **Average Annual Total Returns**<br>**(as of 12/31/2025)** |
| **Fund Type** | **Fund and Adviser/Sub-Adviser** | **Current** **Expenses** **(expenses/** **average assets)** | **1 Year** | **5 Year** | **10 Year**  |
| Specialty <sup>(41)</sup> | Fidelity<sup>®</sup> VIP Real Estate Portfolio (Service Class)<br>***Adviser:*** Fidelity Management & Research Company LLC<br>***Sub-Advisers:*** FMR Investment Management (UK) Limited, Fidelity Management & Research (Hong Kong) Limited, and Fidelity Management & Research (Japan) Limited | 0.70<br> %<br>| 3.04<br> %<br>| 4.12<br> %<br>| 3.77<br> %<br>|
| Specialty <sup>(41)</sup> | Invesco V.I. Global Real Estate Fund (Series I)<br>***Adviser:*** Invesco Advisers, Inc.<br>***Sub-Adviser:*** Invesco Asset Management Limited | 1.02<br> %<br>| 7.85<br> %<br>| 1.73<br> %<br>| 2.44<br> %<br>|
| Specialty <sup>(41)</sup> | MFS<sup>®</sup> Global Real Estate Portfolio (Initial Class)<br>***Adviser:*** Massachusetts Financial Services Company<br>***Sub-Adviser:*** N/A | 0.90<br> %<br> <sup>(\*)</sup><br>| 3.53<br> %<br>| 1.32<br> %<br>| 5.01<br> %<br>|
| Specialty <sup>(41)</sup> | MFS<sup>®</sup> Utilities Series (Initial Class)<br>***Adviser:*** Massachusetts Financial Services Company<br>***Sub-Adviser:*** N/A | 0.78<br> %<br> <sup>(\*)</sup><br>| 15.01<br> %<br>| 7.64<br> %<br>| 9.49<br> %<br>|
| Specialty <sup>(41)</sup> | Nomura VIP Asset Strategy Series (Service Class)<sup>(42)</sup><br>***Adviser:*** Delaware Management Company<br>***Sub-Advisers:*** Nomura Investment Management Austria Kapitalanlage AG and Macquarie Investment Management Global Limited | 0.77<br> %<br> <sup>(\*)</sup><br>| 16.66<br> %<br>| 7.07<br> %<br>| 7.84<br> %<br>|
| Specialty <sup>(41)</sup> | Nomura VIP Science and Technology Series (Service Class)<sup>(43)</sup><br>***Adviser:*** Delaware Management Company<br>***Sub-Adviser:*** N/A | 1.15<br> %<br>| 33.36<br> %<br>| 13.71<br> %<br>| 17.20<br> %<br>|
| Specialty <sup>(41)</sup> | PIMCO All Asset Portfolio (Administrative Class)<sup>(1)</sup><br>***Adviser:*** Pacific Investment Management Company LLC<br>***Sub-Adviser:*** Research Affiliates | 2.13<br> %<br> <sup>(\*)</sup><br>| 14.20<br> %<br>| 5.60<br> %<br>| 6.77<br> %<br>|
| Specialty <sup>(41)</sup> | PIMCO CommodityRealReturn<sup>®</sup> Strategy Portfolio (Advisor Class)<br>***Adviser:*** Pacific Investment Management Company LLC<br>***Sub-Adviser:*** N/A | 3.29<br> %<br> <sup>(\*)</sup><br>| 18.66<br> %<br>| 10.44<br> %<br>| 6.42<br> %<br>|
| Specialty <sup>(41)</sup> | VanEck VIP Global Gold Fund (Class S)<br>***Adviser:*** Van Eck Associates Corporation<br>***Sub-Adviser:*** N/A | 1.45<br> %<br> <sup>(\*)</sup><br>| 164.43<br> %<br>| 20.00<br> %<br>| 20.88<br> %<br>|
| Specialty <sup>(41)</sup> | Vanguard VIF Real Estate Index Portfolio<br>***Adviser:*** The Vanguard Group, Inc.<br>***Sub-Adviser:*** N/A | 0.26<br> %<br>| 3.11<br> %<br>| 4.51<br> %<br>| 5.08<br> %<br>|

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Fidelity, Contrafund and Fidelity Institutional AM are registered service marks of FMR LLC. Used with permission.

(\*) 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.

(1) These
 are fund-of-funds investment choices. They are known as fund-of-funds because they invest in other underlying funds. A fund offered in
 a fund-of-funds structure
 may have higher expenses than a direct investment in its underlying funds because a fund-of-funds bears its own expenses and indirectly
 bears its proportionate
 share of expenses of the underlying funds in which it invests.

(2) Fidelity <sup>®</sup> VIP Freedom Retirement Portfolio <sup>SM</sup> formerly known as Fidelity <sup>®</sup> VIP Freedom Income Portfolio. <sup>SM</sup>

(3) MML
 VIP Aggressive Allocation Fund formerly known as MML Aggressive Allocation Fund.

(4) MML
 VIP American Funds 65/35 Allocation Fund formerly known as MML American Funds Core Allocation Fund.

(5) MML
 VIP Balanced Allocation Fund formerly known as MML Balanced Allocation Fund.

(6) MML
 VIP Conservative Allocation Fund formerly known as MML Conservative Allocation Fund.

(7) MML
 VIP Growth Allocation Fund formerly known as MML Growth Allocation Fund.

(8) MML
 VIP Moderate Allocation Fund formerly known as MML Moderate Allocation Fund.

(9) You
 could lose money by investing in the Fund. Although the Fund seeks to preserve the value of your investment at $1.00 per share, it cannot
 guarantee it will do so.
 An investment in the Fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. The
 Fund's sponsor has

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no legal obligation to provide financial support to the Fund, and you should not expect that the sponsor will provide financial support to the Fund at any time. The yield of this Fund may become very low during periods of low interest rates. After deduction of Separate Account charges, the yield in the division that invests in this Fund could be negative.

(10) MML
 VIP Barings U.S. Government Money Market Fund formerly known as MML U.S. Government Money Market Fund.

(11) MML
 VIP Barings Core Bond Fund formerly known as MML Managed Bond Fund.

(12) MML
 VIP Barings Inflation-Protected and Income Fund formerly known as MML Inflation-Protected and Income Fund.

(13) MML
 VIP Barings Short-Duration Bond Fund formerly known as MML Short-Duration Bond Fund.

(14) MML
 VIP Fidelity Institutional AM <sup>®</sup> Core Plus Bond Fund formerly known as MML Total Return Bond Fund.

(15) MML
 VIP BlackRock <sup>®</sup> Balanced Fund formerly known as MML Blend Fund.

(16) TOPS <sup>®</sup> Aggressive ETF Portfolio formerly known as TOPS <sup>®</sup> Aggressive Growth ETF Portfolio.

(17) TOPS <sup>®</sup> Moderate ETF Portfolio formerly known as TOPS <sup>®</sup> Moderate Growth ETF Portfolio.

(18) TOPS <sup>®</sup> Moderately Aggressive ETF Portfolio formerly TOPS <sup>®</sup> Growth ETF Portfolio.

(19) MML
 VIP Franklin Templeton Equity Fund formerly known as MML Equity Fund.

(20) MML
 VIP T. Rowe Price Equity Income Fund formerly known as MML Equity Income Fund.

(21) MML
 VIP Invesco Main Street Equity Fund formerly known as MML Fundamental Equity Fund.

(22) MML
 VIP JPMorgan U.S. Research Enhanced Equity Fund formerly known as MML Managed Volatility Fund.

(23) Vanguard
 VIF PRIMECAP Portfolio formerly Vanguard VIF Capital Growth Portfolio.

(24) The
 Fund is a "feeder" fund, meaning that it does not buy investment securities directly, but instead invests in shares of a corresponding
 "master" fund, which in turn
 purchases investment securities. A fund offered in a master feeder structure may have higher expenses than those of a fund which invests
 directly in securities because
 the "feeder" fund bears its own expenses in addition to those of the "master" fund. You should read the Fund prospectuses
 for more information about this "feeder"
 fund.

(25) The
 MML VIP American Funds Growth Fund invests all of its assets in the Class 1 shares of the American Funds Insurance
 Series <sup>®</sup> – Growth Fund. However, this Fund
 is not available directly as an investment choice under your MassMutual variable product. You should read the prospectus along with
 the prospectus for the MML
 VIP American Funds Growth Fund.

(26) MML
 VIP American Funds Growth Fund formerly known as MML American Funds Growth Fund.

(27) MML
 VIP Loomis Sayles Large Cap Growth Fund formerly known as MML Large Cap Growth Fund.

(28) MML
 VIP T. Rowe Price Blue Chip Growth Fund formerly known as MML Blue Chip Growth Fund.

(29) MML
 VIP American Century Mid Cap Value Fund formerly known as MML Mid Cap Value Fund.

(30) MML
 VIP American Century Small Company Value Fund formerly known as MML Small Company Value Fund.

(31) Nomura
 VIP Small Cap Value Series formerly known as Macquarie VIP Small Cap Value Series.

(32) MML
 VIP Invesco Small Cap Equity Fund formerly known as MML Small Cap Equity Fund.

(33) MML
 VIP Invesco Discovery Mid Cap Fund formerly known as MML Invesco Discovery Mid Cap Fund.

(34) MML
 VIP T. Rowe Price Mid Cap Growth Fund formerly known as MML Mid Cap Growth Fund.

(35) MML
 VIP Wellington Small Cap Growth Equity Fund formerly known as MML Small Cap Growth Equity Fund.

(36) Invesco
 V.I. International Growth Fund formerly known as Invesco Oppenheimer V.I. International Growth Fund.

(37) MFS <sup>®</sup> International Intrinsic Equity Portfolio formerly known as  MFS <sup>®</sup> International Intrinsic Value Portfolio.

(38) MML
 VIP Invesco Global Fund formerly known as MML Global Fund.

(39) MML
 VIP MFS International Equity Fund formerly known as MML International Equity Fund.

(40) Nomura
 VIP Emerging Markets Series formerly known as Macquarie VIP Emerging Markets Series.

(41) Specialty
 funds are an all-encompassing category that consists of funds that forgo broad diversification to concentrate on a certain segment of
 the economy or a specific
 targeted strategy. For example, sector funds are targeted strategy funds aimed at specific sectors of the economy, such as financial,
 technology, healthcare, and
 so on. Sector funds can, therefore, be more volatile than a more diversified equity fund since the stocks in a given sector tend to be
 highly correlated with each
 other.

(42) Nomura
 VIP Asset Strategy Series formerly known as Macquarie VIP Asset Strategy Series.

(43) Nomura
 VIP Science and Technology Series formerly known as Macquarie VIP Science and Technology Series.

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This Summary Prospectus incorporates by reference the C.M. Life Electrum Select policy's statutory prospectus and Statement of Additional Information (SAI), both dated April 27, 2026, as amended or supplemented. The SAI includes additional information about C.M. Life Variable Life Separate Account I.

You can find the statutory prospectus and SAI at www.MassMutual.com/Electrum-Select. You can also obtain this information at no cost by calling (800) 665-2654 or by sending an email request to BOLICOLIService@MassMutual.com.

EDGAR Contract Identifier: C000232693

IS4027-USP