# EDGAR Filing Document

**Accession Number:** 0000928407
**File Stem:** 0001133228-26-006397
**Filing Date:** 2026-4
**Character Count:** 318029
**Document Hash:** 7abee28429b2152766292c049754961a
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001133228-26-006397.hdr.sgml**: 20260424

**ACCESSION NUMBER**: 0001133228-26-006397

**CONFORMED SUBMISSION TYPE**: 485BPOS

**PUBLIC DOCUMENT COUNT**: 3

**FILED AS OF DATE**: 20260424

**DATE AS OF CHANGE**: 20260424

**EFFECTIVENESS DATE**: 20260427

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** C M MULTI ACCOUNT A
- **CENTRAL INDEX KEY:** 0000928407

**ORGANIZATION NAME:**
- **EIN:** 000000000
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 485BPOS
- **SEC ACT:** 1940 Act
- **SEC FILE NUMBER:** 811-08698
- **FILM NUMBER:** 26892513

**BUSINESS ADDRESS:**
- **STREET 1:** 100 BRIGHT MEADOW BOULEVARD
- **CITY:** ENFIELD
- **STATE:** CT
- **ZIP:** 06082
- **BUSINESS PHONE:** 8605622420

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

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** C M MULTI ACCOUNT A
- **CENTRAL INDEX KEY:** 0000928407

**ORGANIZATION NAME:**
- **EIN:** 000000000
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 485BPOS
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-95845
- **FILM NUMBER:** 26892512

**BUSINESS ADDRESS:**
- **STREET 1:** 100 BRIGHT MEADOW BOULEVARD
- **CITY:** ENFIELD
- **STATE:** CT
- **ZIP:** 06082
- **BUSINESS PHONE:** 8605622420

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

## Series and Classes Contracts Data

### C M MULTI ACCOUNT A (Series ID: S000007814)

| Class ID   | Class Name          | Ticker Symbol   |
|:---|:---|:---|
| C000021290 | MassMutual Artistry |  |

**As filed with the Securities and Exchange Commission on or about April 24, 2026**

**Registration Statement File No. 333-95845**<br>**Registration Statement File No. 811-08698**

**UNITED STATES**<br>**SECURITIES AND EXCHANGE COMMISSION**<br>**Washington, D.C. 20549**

**FORM N-4**

**REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933**

**☐ Pre-Effective Amendment No.**

**☒ Post-Effective Amendment No. 29**

**and/or**

**REGISTRATION STATEMENT UNDER THE INVESTMENT COMPANY ACT OF 1940**

**☒ Amendment No. 84**<br>(Check appropriate box or boxes.)

**C.M. Multi-Account A**<br>(Exact Name of Registered Separate Account)

**C.M. Life Insurance Company**<br>(Name of Insurance Company)

**1295 State Street, Springfield, Massachusetts 01111-0001**<br>(Address of Insurance Company's Principal Executive Offices)

**(860) 562-1000**<br>(Insurance Company's Telephone Number, including Area Code)

**Corporate Creations Network Inc.<br> 6 Landmark Square, 4th Floor**<br>**Stamford, CT 06901**<br>(Name and Address of Agent for Service)

Approximate Date of Proposed Public Offering: **Continuous**

**It is proposed that this filing will become effective (check appropriate box):**

☐ immediately upon filing pursuant to paragraph (b)

☒ on <u>April 27, 2026</u> pursuant to paragraph (b)

☐ 60 days after filing pursuant to paragraph (a)(1)

☐ on __________ pursuant to paragraph (a)(1) of rule 485 under the Securities Act of 1933 ("Securities Act").

**If appropriate, check the following box:**

☐ This post-effective amendment designates a new effective date for a previously filed post-effective amendment.

---

| | |
|:---|:---|
| **Check each box that appropriately characterizes the Registrant:** | **Check each box that appropriately characterizes the Registrant:** |
| ☐ | New Registrant (as applicable, a Registered Separate Account or Insurance Company that has not filed a Securities Act registration statement or amendment thereto within 3 years preceding this filing) |
| ☐ | Emerging Growth Company (as defined by Rule 12b-2 under the Securities Exchange Act of 1934 ("Exchange Act")) |
| ☐ | If an Emerging Growth Company, indicate by check mark if the Registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 7(a)(2)(B) of Securities Act |
| ☐ | Insurance Company relying on Rule 12h-7 under the Exchange Act |
| ☐ | Smaller reporting company (as defined by Rule 12b-2 under the Exchange Act) |

---

Title of Securities Being Registered: **Units of Interest in MassMutual Artistry, an Individual or Group Deferred Variable** **Annuity Contract.**

MassMutual Artistry Variable Annuity

*Issued by C.M. Life Insurance Company*

C.M. Multi-Account A

This prospectus describes the MassMutual Artistry deferred individual or group variable annuity contract (Contract) offered by<br>C.M. Life Insurance Company ("C.M. Life," "Company," "we," "us"). We no longer sell the Contract. However, we continue to administer existing Contracts. The Contract provides for accumulation of Contract Value and Annuity Payments on a fixed and/or variable basis.

You, the Contract Owner, have a number of investment options in the Contract. Subject to state availability, these investment options include one fixed account option and multiple variable investment divisions (Sub-Accounts) of C.M. Multi-Account A (Separate Account). Each Sub-Account, in turn, invests in one of the investment entities (Funds). For more information about the investment entities, see "Appendix A – Investment Options Available under the Contract."

The Contract is a complex investment and involves risks, including potential loss of all amounts you allocate to a Sub-Account. The Contract is not a short-term investment and is not appropriate for an investor who needs ready access to cash. Withdrawals may result in the assessment of a Contingent Deferred Sales Charge, income tax, and premature distribution taxes.

The Contract:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

---

| |
|:---|
| &nbsp;&nbsp;&nbsp;&nbsp; •  is not a bank or credit union deposit or obligation. |
| &nbsp;&nbsp;&nbsp;&nbsp; •  is not FDIC or NCUA insured. |
| &nbsp;&nbsp;&nbsp;&nbsp; •  is not insured by any federal government agency. |

---

&nbsp;&nbsp;&nbsp;&nbsp;

---

| |
|:---|
| &nbsp;&nbsp;&nbsp;&nbsp; •  is not guaranteed by any bank or credit union. |
| &nbsp;&nbsp;&nbsp;&nbsp; •  may go down in value. |
| &nbsp;&nbsp;&nbsp;&nbsp; •  provides guarantees that are subject to our financial strength and claims-paying ability. |

---

IF YOU ARE A NEW INVESTOR IN THE CONTRACT, YOU MAY CANCEL YOUR CONTRACT<br>WITHIN 10 DAYS OF RECEIVING IT WITHOUT PAYING FEES OR PENALTIES.

In some states this cancellation period may be longer. Upon cancellation, you will receive either a full refund of the amount you paid with your application or your total Contract Value. You should review the prospectus, or consult with your investment professional, for additional information about the specific cancellation terms that apply.

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

**The Securities and Exchange Commission has not approved or disapproved these securities or passed upon the adequacy of** **this prospectus. Any representation to the contrary is a criminal offense.**

This prospectus is not an offer to sell the Contract in any jurisdiction where it is illegal to offer the Contract nor is it an offer to sell the Contract to anyone to whom it is illegal to offer the Contract.

**Please read this prospectus before investing. You should keep it for future reference. It contains important information about** **the MassMutual Artistry Variable Annuity.**

Effective April 27, 2026

------

**Table of Contents**

---

| | |
|:---|:---|
| [**Glossary**](#chapter_2_1027) | [**3**](#chapter_2_1027) |
| [**Overview of the Contract**](#chapter_3_1027) | [**5**](#chapter_3_1027) |
| &nbsp;&nbsp;&nbsp;&nbsp; [**Important Information You Should Consider About the** <br>**Contract**](#chapter_4_1027) | [**7**](#chapter_4_1027) |
| &nbsp;&nbsp;&nbsp;&nbsp; [Fees, Expenses, and Adjustments](#chapter_4-sect1_1_1027) | [8](#chapter_4-sect1_1_1027) |
| &nbsp;&nbsp;&nbsp;&nbsp; [Risks](#chapter_4-sect1_2_1027) | [9](#chapter_4-sect1_2_1027) |
| &nbsp;&nbsp;&nbsp;&nbsp; [Restrictions](#chapter_4-sect1_3_1027) | [10](#chapter_4-sect1_3_1027) |
| &nbsp;&nbsp;&nbsp;&nbsp; [Taxes](#chapter_4-sect1_4_1027) | [10](#chapter_4-sect1_4_1027) |
| &nbsp;&nbsp;&nbsp;&nbsp; [Conflicts of Interest](#chapter_4-sect1_5_1027) | [11](#chapter_4-sect1_5_1027) |
| [**Additional Information about Fees**](#chapter_5_1027) | [**12**](#chapter_5_1027) |
| [**Principal Risks of Investing in the Contract**](#chapter_6_1027) | [**14**](#chapter_6_1027) |
| &nbsp;&nbsp;&nbsp;&nbsp; [**General Information about C.M. Life Insurance** <br>**Company, the Separate Account and the Investment** **Options**](#chapter_7_1027) | [**15**](#chapter_7_1027) |
| &nbsp;&nbsp;&nbsp;&nbsp; [The Company](#chapter_7-sect1_1_1027) | [15](#chapter_7-sect1_1_1027) |
| &nbsp;&nbsp;&nbsp;&nbsp; [Financial Condition of the Company](#chapter_7-sect1_2_1027) | [15](#chapter_7-sect1_2_1027) |
| &nbsp;&nbsp;&nbsp;&nbsp; [The Separate Account](#chapter_7-sect1_3_1027) | [15](#chapter_7-sect1_3_1027) |
| &nbsp;&nbsp;&nbsp;&nbsp; [The Fixed Account](#chapter_7-sect1_4_1027) | [16](#chapter_7-sect1_4_1027) |
| &nbsp;&nbsp;&nbsp;&nbsp; [The Funds](#chapter_7-sect1_5_1027) | [16](#chapter_7-sect1_5_1027) |
| &nbsp;&nbsp;&nbsp;&nbsp; [Compensation We Receive from Funds, Advisers and Sub-Advisers](#chapter_7-sect1_6_1027) | [17](#chapter_7-sect1_6_1027) |
| &nbsp;&nbsp;&nbsp;&nbsp; [Voting Rights](#chapter_7-sect1_7_1027) | [17](#chapter_7-sect1_7_1027) |
| [**Charges and Deductions**](#chapter_8_1027) | [**18**](#chapter_8_1027) |
| &nbsp;&nbsp;&nbsp;&nbsp; [Insurance Charges](#chapter_8-sect1_1_1027) | [18](#chapter_8-sect1_1_1027) |
| &nbsp;&nbsp;&nbsp;&nbsp; [Annual Contract Maintenance Charge](#chapter_8-sect1_2_1027) | [19](#chapter_8-sect1_2_1027) |
| &nbsp;&nbsp;&nbsp;&nbsp; [Transfer Fee](#chapter_8-sect1_3_1027) | [19](#chapter_8-sect1_3_1027) |
| &nbsp;&nbsp;&nbsp;&nbsp; [Contingent Deferred Sales Charge (CDSC)](#chapter_8-sect1_4_1027) | [19](#chapter_8-sect1_4_1027) |
| &nbsp;&nbsp;&nbsp;&nbsp; [Free Withdrawals](#chapter_8-sect1_5_1027) | [21](#chapter_8-sect1_5_1027) |
| &nbsp;&nbsp;&nbsp;&nbsp; [Premium Taxes](#chapter_8-sect1_6_1027) | [21](#chapter_8-sect1_6_1027) |
| &nbsp;&nbsp;&nbsp;&nbsp; [Income Taxes](#chapter_8-sect1_7_1027) | [21](#chapter_8-sect1_7_1027) |
| &nbsp;&nbsp;&nbsp;&nbsp; [Fund Expenses](#chapter_8-sect1_8_1027) | [21](#chapter_8-sect1_8_1027) |
| [**Ownership**](#chapter_9_1027) | [**22**](#chapter_9_1027) |
| &nbsp;&nbsp;&nbsp;&nbsp; [Contract Owner](#chapter_9-sect1_1_1027) | [22](#chapter_9-sect1_1_1027) |
| &nbsp;&nbsp;&nbsp;&nbsp; [Annuitant](#chapter_9-sect1_2_1027) | [22](#chapter_9-sect1_2_1027) |
| &nbsp;&nbsp;&nbsp;&nbsp; [Beneficiary](#chapter_9-sect1_3_1027) | [22](#chapter_9-sect1_3_1027) |
| &nbsp;&nbsp;&nbsp;&nbsp; [Beneficiary IRA](#chapter_9-sect1_4_1027) | [22](#chapter_9-sect1_4_1027) |
| [**Purchasing a Contract**](#chapter_10_1027) | [**23**](#chapter_10_1027) |
| &nbsp;&nbsp;&nbsp;&nbsp; [Purchase Payments](#chapter_10-sect1_1_1027) | [23](#chapter_10-sect1_1_1027) |
| &nbsp;&nbsp;&nbsp;&nbsp; [Allocation of Purchase Payments](#chapter_10-sect1_2_1027) | [24](#chapter_10-sect1_2_1027) |
| &nbsp;&nbsp;&nbsp;&nbsp; [Contract Value](#chapter_10-sect1_3_1027) | [24](#chapter_10-sect1_3_1027) |
| &nbsp;&nbsp;&nbsp;&nbsp; [Right to Cancel Your Contract](#chapter_10-sect1_4_1027) | [25](#chapter_10-sect1_4_1027) |
| &nbsp;&nbsp;&nbsp;&nbsp; [Sending Requests in Good Order](#chapter_10-sect1_5_1027) | [25](#chapter_10-sect1_5_1027) |
| [**Transfers and Transfer Programs**](#chapter_11_1027) | [**26**](#chapter_11_1027) |
| &nbsp;&nbsp;&nbsp;&nbsp; [General Overview](#chapter_11-sect1_1_1027) | [26](#chapter_11-sect1_1_1027) |
| &nbsp;&nbsp;&nbsp;&nbsp; [Transfers During the Accumulation Phase](#chapter_11-sect1_2_1027) | [26](#chapter_11-sect1_2_1027) |
| &nbsp;&nbsp;&nbsp;&nbsp; [Transfers During the Income Phase](#chapter_11-sect1_3_1027) | [27](#chapter_11-sect1_3_1027) |
| &nbsp;&nbsp;&nbsp;&nbsp; [Transfer Programs](#chapter_11-sect1_4_1027) | [27](#chapter_11-sect1_4_1027) |
| &nbsp;&nbsp;&nbsp;&nbsp; [Limits on Frequent Trading and Market Timing Activity](#chapter_11-sect1_5_1027) | [28](#chapter_11-sect1_5_1027) |
| [**The Income Phase**](#chapter_12_1027) | [**30**](#chapter_12_1027) |
| [**Benefits Available Under the Contract**](#chapter_13_1027) | [**33**](#chapter_13_1027) |
| [**Death Benefit**](#chapter_14_1027) | [**35**](#chapter_14_1027) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Death of Contract Owner During the Accumulation <br>Phase](#chapter_14-sect1_1_1027) | [35](#chapter_14-sect1_1_1027) |
| &nbsp;&nbsp;&nbsp;&nbsp; [Death Benefit During the Accumulation Phase](#chapter_14-sect1_2_1027) | [35](#chapter_14-sect1_2_1027) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Adjusted for Any Withdrawals or Less Any <br>Withdrawals](#chapter_14-sect1_3_1027) | [35](#chapter_14-sect1_3_1027) |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Death Benefit Payment Options During the <br>Accumulation Phase](#chapter_14-sect1_4_1027) | [36](#chapter_14-sect1_4_1027) |
| &nbsp;&nbsp;&nbsp;&nbsp; [Death of Contract Owner During the Income Phase](#chapter_14-sect1_5_1027) | [38](#chapter_14-sect1_5_1027) |
| &nbsp;&nbsp;&nbsp;&nbsp; [Death of Annuitant](#chapter_14-sect1_6_1027) | [38](#chapter_14-sect1_6_1027) |
| &nbsp;&nbsp;&nbsp;&nbsp; [Due Proof of Death](#chapter_14-sect1_7_1027) | [38](#chapter_14-sect1_7_1027) |
| [**Additional Benefits**](#chapter_15_1027) | [**39**](#chapter_15_1027) |
| &nbsp;&nbsp;&nbsp;&nbsp; [Right to Take Loans](#chapter_15-sect1_1_1027) | [39](#chapter_15-sect1_1_1027) |
| &nbsp;&nbsp;&nbsp;&nbsp; [Terminal Illness Benefit](#chapter_15-sect1_2_1027) | [40](#chapter_15-sect1_2_1027) |
| [**Withdrawals**](#chapter_16_1027) | [**41**](#chapter_16_1027) |
| [**Taxes**](#chapter_17_1027) | [**43**](#chapter_17_1027) |
| [**Distribution**](#chapter_18_1027) | [**50**](#chapter_18_1027) |
| [**Other Information**](#chapter_19_1027) | [**52**](#chapter_19_1027) |
| &nbsp;&nbsp;&nbsp;&nbsp; [Assignment](#chapter_19-sect1_1_1027) | [52](#chapter_19-sect1_1_1027) |
| &nbsp;&nbsp;&nbsp;&nbsp; [Unclaimed Property](#chapter_19-sect1_2_1027) | [52](#chapter_19-sect1_2_1027) |
| &nbsp;&nbsp;&nbsp;&nbsp; [Anti-Money Laundering](#chapter_19-sect1_3_1027) | [52](#chapter_19-sect1_3_1027) |
| &nbsp;&nbsp;&nbsp;&nbsp; [Payments We Make](#chapter_19-sect1_4_1027) | [52](#chapter_19-sect1_4_1027) |
| &nbsp;&nbsp;&nbsp;&nbsp; [Changes to the Contract](#chapter_19-sect1_5_1027) | [53](#chapter_19-sect1_5_1027) |
| &nbsp;&nbsp;&nbsp;&nbsp; [Termination of the Contract](#chapter_19-sect1_6_1027) | [53](#chapter_19-sect1_6_1027) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Computer System, Cybersecurity, and Service <br>Disruption Risks](#chapter_19-sect1_7_1027) | [53](#chapter_19-sect1_7_1027) |
| &nbsp;&nbsp;&nbsp;&nbsp; [Legal Proceedings](#chapter_19-sect1_8_1027) | [53](#chapter_19-sect1_8_1027) |
| &nbsp;&nbsp;&nbsp;&nbsp; [Our Financial Statements](#chapter_19-sect1_9_1027) | [54](#chapter_19-sect1_9_1027) |
| &nbsp;&nbsp;&nbsp;&nbsp; [**Appendix A – Investment Options Available Under the** <br>**Contract**](#chapter_20_1027) | [**55**](#chapter_20_1027) |
| [**Appendix B – Free Withdrawal Amount Example**](#chapter_21_1027) | [**60**](#chapter_21_1027) |
| &nbsp;&nbsp;&nbsp;&nbsp; [**Appendix C – Contingent Deferred Sales Charge** <br>**(CDSC) Example**](#chapter_22_1027) | [**61**](#chapter_22_1027) |
| [**Appendix D – Death Benefit Examples**](#chapter_23_1027) | [**62**](#chapter_23_1027) |
| &nbsp;&nbsp;&nbsp;&nbsp; [**Appendix E – State Variations of Certain Contract** <br>**Features**](#chapter_24_1027) | [**67**](#chapter_24_1027) |

---

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Glossary

**Accumulation Phase.** The period prior to the commencement of Annuity Payments during which Purchase Payments may be made.

**Accumulation Unit.** A unit of measure used to determine your value in a Sub-Account during the Accumulation Phase.

**Age.** In this prospectus the term "Age," except when discussed in regards to specific tax provisions, is defined as "insurance age," which is a person's age on his/her birthday nearest the date for which the Age is being determined. This means we calculate your Age based on your nearest birthday, which could be either your last birthday or your next. For example, Age 80 is generally the period of time between age 79 years, 6 months and 1 day and age 80 and 6 months.

**Annuitant.** The person(s) on whose life Annuity Payments are based, with the exception of the non-lifetime contingent option. See "The Income Phase – Annuity Options." The term Annuitant also includes the joint Annuitant, if any. The Annuitant has no rights to the Contract.

**Annuity Date.** The date Annuity Payments begin.

**Annuity Options.** Options available for Annuity Payments.

**Annuity Payments.** Series of payments made pursuant to the Annuity Option(s) elected.

**Beneficiary.** The person(s) or entity(ies) that the Contract Owner designates to receive the death benefit provided by the Contract.

**Business Day.** Every day the New York Stock Exchange (NYSE), or its successor, is open for trading. Our Business Day ends at the Close of Business.

**Close of Business.** The time on a Business Day when the NYSE ends regular trading, usually at 4:00 p.m. Eastern Time. However, when the NYSE closes early or closes due to any emergency or SEC order, the Close of Business will occur at the same time.

**Contingent Deferred Sales Charge (CDSC).** A charge that may be assessed against each withdrawal that exceeds the free withdrawal amount and amounts applied to Annuity Option E or F.

**Contract.** The MassMutual Artistry Variable Annuity; a deferred individual or group variable annuity contract.

**Contract Anniversary.** An anniversary of the Issue Date of the Contract.

**Contract Owner.** The person(s) or entity entitled to ownership rights under the Contract. See "Ownership – Contract Owner."

**Contract Value.** The sum of your values in the Sub-Accounts and The Fixed Account during the Accumulation Phase.

**Fund(s).** The investment entities into which the assets of the Separate Account will be invested.

**General Account.** The Company's General Investment Account, which supports the Company's annuity and insurance obligations. The General Account's assets include all the assets of the Company with the exception of the Separate Account and the Company's other segregated asset accounts.

**Good Order.** Any application, Purchase Payments, withdrawal requests, or forms required by the Company which are satisfactory to the Company.

**Income Phase.** The period that begins on the Annuity Date and ends with the last Annuity Payment. The Income Phase is also referred to as the Annuity Phase.

**Issue Date.** The date on which the Contract becomes effective. The Issue Date is included in the Contract.

**Non-Business Day** **.** Any day when the NYSE is not open for trading. Unless specified otherwise, if the due date for any activity required by the Contract falls on any day that is not a Business Day, performance of such activity will be rendered on the first Business Day following such due date.

**Premium Tax.** A tax imposed by certain states and other jurisdictions when a Purchase Payment is made, when Annuity Payments begin, or when Contract Value is withdrawn.

**Purchase Payment(s).** Any amount paid to us by you or on your behalf with respect to the Contract during the Accumulation Phase.

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**Qualified Contract.** Your Contract is referred to as a Qualified Contract if it is used to fund a qualified plan such as an Individual Retirement Annuity (IRA), Roth IRA, tax-sheltered annuity plan (TSA or TSA plan), corporate pension and profit-sharing plan (including 401(k) plans and H.R. 10 plans), or a governmental 457(b) deferred compensation plan. For information on the types of qualified plans for which the Contract is available, see "Taxes – Qualified Contracts."

**Required Minimum Distribution (RMD).** A minimum amount the federal tax law requires to be withdrawn from certain Qualified Contracts each year. RMDs are generally required to begin by the required beginning date specified in IRC Section 401(a)(9).

**Separate Account.** The account that holds the assets underlying the Contracts that are not allocated to our General Account. The assets of the Separate Account are kept separate from the assets of the General Account and the Company's other separate accounts.

**Service Center.** MassMutual, Document Management Services – Annuities W360, PO Box 9067, Springfield, MA 01102-9067, (800) 272-2216, (fax) (866) 329-4272, (email) ANNfax@MassMutual.com, www.MassMutual.com. (Overnight mail address: MassMutual, Document Management Services – Annuities W360, 1295 State Street, Springfield, MA 01111-0001.)

**Sub-Account.** The Separate Account assets are divided into Sub-Accounts. The assets of each Sub-Account will be invested in the shares of a single Fund.

**Written Request.** A written communication or instruction sent by you to the Company. A Written Request must be in Good Order and must be received by the Company's Service Center. The Company may consent to receiving requests electronically or by telephone at the Service Center.

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Overview of the Contract

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**What is this Contract, and what is it designed to do?** The MassMutual Artistry Variable Annuity Contract is designed to enable you to accumulate assets through investments in one or more of the variable investment divisions (Sub-Accounts) of the C.M. Multi-Account A (Separate Account) and The Fixed Account. The Contract can supplement your retirement income by providing a stream of income during the Income Phase. Before you begin receiving Annuity Payments, the Contract also provides a death benefit for your designated Beneficiaries. The Contract may be appropriate if you have a long term investment horizon. It is not intended for people who need to take early or frequent withdrawals or who intend to engage in frequent trading among the Separate Account Sub-Accounts.

We no longer sell MassMutual Artistry. However, we continue to administer existing Contracts, and you may continue making additional Purchase Payments to your Contract, subject to certain restrictions.

The Contract was designed primarily for use in annuity purchase plans adopted by public school systems and certain tax-exempt organizations pursuant to Section 403(b) of the Internal Revenue Code of 1986, as amended (IRC). These plans are sometimes called "tax-sheltered annuities" or "TSAs." Subject to state availability, the Contract was also sold to governmental entities pursuant to IRC Section 457(b).

We issued the Contract as an individual or group variable annuity Contract. In those states where we issue a group Contract, we issue certificates to individuals, and these individuals are considered participants. The certificate is subject to the terms of the group Contract under which we issue the certificate.

The certificate indicates the participant's rights and benefits under the group Contract. Terms of the group Contract are controlling.

The participant, as an owner, may exercise all rights and benefits of the certificate without the consent of the group Contract Owner. Unless we state otherwise, the owner of the certificate under a group Contract and the owner of an individual Contract have the same rights and benefits. As a result, the term "Contract" means either an individual deferred variable annuity or a certificate issued under the group deferred variable annuity.

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**How do I accumulate assets in the Contract and receive income from the Contract?** The Contract has two phases:<br>1) the Accumulation Phase and 2) the Income Phase. Your Contract is in the Accumulation Phase until you decide to begin receiving Annuity Payments. During the Accumulation Phase we provide a death benefit. Once you begin receiving Annuity Payments, your Contract enters the Income Phase.

The Contract offers numerous underlying funds and one fixed account investment option. A list of the investment options available under the Contract is provided at the back of this prospectus. See "Appendix A – Investment Options Available Under the Contract."

**Accumulation Phase**

During the Accumulation Phase, subject to certain restrictions, you may apply Purchase Payments to the Contract and allocate the Purchase Payments among:

○ the
 Sub-Accounts of the Separate Account, each of which invests in a mutual fund (Fund), with each Fund having its own
 investment strategy, investment adviser, expense ratio and returns, and

○ The
 Fixed Account. Assets allocated to The Fixed Account are credited with a specified rate that we declare in advance.

**Income Phase**

During the Income Phase, you may receive fixed, variable or a combination of fixed and variable Annuity Payments under the Contract by applying your Contract Value to a payment option.

○ Depending
 on the payment option you select, payments may continue for the life of one or two Annuitants, for a specified
 period between five and thirty years, or as determined in accordance with terms agreed upon in writing by you and
 us.

When you elect to receive Annuity Payments, your Contract Value will be converted into income payments and you may no longer be able to withdraw money at will from your Contract. At this time, the Accumulation Phase will end.

If you elect to apply your Contract Value to Annuity Option E or F and the period certain is less than 10 years, the amount applied may be subject to a CDSC.

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**What are the primary features and options that the MassMutual Artistry Variable Annuity offers?**

• **Accessing your money.** During
 the Accumulation Phase, you may make a partial or full withdrawal of your Contract Value by
 submitting a partial withdrawal form or full withdrawal form acceptable to us in Good Order to our Service Center. You may
 also submit the requests by other means that we authorize, such as email, telephone or fax. Contact our Service Center for
 details.

All withdrawals are subject to the limitations described in the prospectus. Withdrawal rights during the Income Phase will depend on the Annuity Option selected.

In some states, if your Contract is a tax-sheltered annuity, you may be able to take a loan under your Contract.

• **Tax treatment.** You
 may transfer Contract Value among investment options without tax implications, and earnings (if any) on
 your investments are generally tax-deferred. You are generally taxed only when (1) you make a partial or full withdrawal; (2)
 you receive an Annuity Payment under the Contract; or (3) upon payment of the death benefit.

• **Death Benefit.** A Beneficiary
 may receive a benefit in the event of your death prior to the Income Phase. Once the Income Phase
 commences, payments upon death may be available to Beneficiaries depending on the Annuity Option elected.

• **Additional Benefits and Services.** We make certain additional services available under the Contract at no additional charge:

The Dollar Cost Averaging Program allows you to transfer a set amount from a Sub-Account to any other Sub-Account on a regular schedule.

The Automatic Rebalancing Program automatically rebalances your Contract Value among your selected Sub-Accounts in order to restore your allocation to the original level. Contract Value allocated to The Fixed Account cannot participate.

The Interest Sweep Option automatically transfers earnings from your Contract Value in The Fixed Account to any one Sub-Account or combination of Sub-Accounts that you select.

The Systematic Withdrawal Program allows you to set up automatic periodic withdrawals from your Contract Value. We will take any withdrawal under this Program proportionally from your Contract Value in your selected investment options unless we are instructed otherwise.

**The prospectus and Statement of Additional Information (SAI) describe all material terms and features of your** **Contract. Certain non-material provisions of your Contract may be different than the general description in the** **prospectus and the SAI, and certain riders may not be available because of legal requirements in your state. Any such** **state variations will be included in your Contract or in riders or endorsements attached to your Contract. See your** **Contract for specific variations. Also see "Appendix E – State Variations of Certain Contract Features."**

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Important Information You Should Consider About the Contract

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|:---|:---|:---|
|  | **FEES, EXPENSES, AND ADJUSTMENTS** | **LOCATION IN** **PROSPECTUS** |
| &nbsp;&nbsp; **Are There Charges or** **Adjustments for Early** **Withdrawals?** | &nbsp;&nbsp; **Yes.** If, within nine years following your Issue Date, you withdraw money from your Contract, or apply Contract Value to Annuity Option E or F and the period certain is less than 10 years, you may be assessed a Contingent Deferred Sales Charge (CDSC) of up to 8% of the amount withdrawn (less up to a 10% free withdrawal amount) or applied to Annuity Option E or F, declining to 0% after the ninth year.<br>For example, if we issued your Contract with a $100,000 Purchase Payment, and you withdrew the $100,000 Purchase Payment during the first year after your Issue Date, you could be assessed a charge of up to $7,200 on the amount withdrawn. This could result in a loss of principal regardless of market performance. This loss will be greater if income taxes or premature distribution taxes apply. | &nbsp;&nbsp; Charges and Deductions – Contingent Deferred Sales Charge (CDSC) |
| &nbsp;&nbsp; **Are There Transaction** **Charges?** | &nbsp;&nbsp; **No.** Currently, we do not assess a charge to transfer Contract Value among the investment options during the Accumulation Phase. However, we reserve the right to assess a charge equal to the lesser of $20 or 2% of the amount transferred for each transfer allowed in a calendar year as provided by the Contract. | &nbsp;&nbsp; Charges and Deductions – Transfer Fee |

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| | | | | |
|:---|:---|:---|:---|:---|
|  | **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 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 elected. | &nbsp;&nbsp; **Yes.** The table below describes the fees and expenses that you may pay *each year,* depending on the investment options 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 elected. | &nbsp;&nbsp; **Yes.** The table below describes the fees and expenses that you may pay *each year,* depending on the investment options 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 elected. | &nbsp;&nbsp; Charges and Deductions |
|  | &nbsp;&nbsp; **Annual Fee** | **Minimum** | **Maximum** |  |
|  | &nbsp;&nbsp; Base Contract | 1.18%<sup>(1)</sup> | 1.18%<sup>(1)</sup> |  |
|  | &nbsp;&nbsp; Fund fees and expenses | 0.44%<sup>(2)</sup> | 3.48%<sup>(2)</sup> |  |
|  | &nbsp;&nbsp; Optional benefits available for an additional charge (for a single optional benefit, if elected) | 0% | 0% |  |
|  | &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:** | **Highest Annual Cost:** |  |
|  | $1440 | $3649 | $3649 |  |
|  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Assumes:<br> •  Investment of $100,000<br> •  5% annual appreciation<br> •  Least expensive 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 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 optional benefits and Fund Fees and expenses<br> •  No CDSC<br> •  No additional Purchase Payments, transfers, or withdrawals |  |

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(1) 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.

(2) As
 a percentage of the daily value of the Contract Value allocated to the Funds on an annualized basis.

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|:---|:---|:---|
|  | **RISKS** | **LOCATION IN** **PROSPECTUS** |
| &nbsp;&nbsp; **Is There a Risk of Loss from** **Poor Performance?** | &nbsp;&nbsp; **Yes.** You can lose money by investing in this Contract, including loss of principal. | &nbsp;&nbsp; Principal Risks of Investing in the Contract |
| &nbsp;&nbsp; **Is This a Short-Term** **Investment?** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **No.**<br> •  This Contract is not designed for short-term investing and is not appropriate for an investor who needs ready access to cash.<br> •  CDSCs may apply for up to nine years following your Issue Date.<br> •  If CDSCs apply, they will reduce the value of your Contract if you withdraw money during that time. The benefits of tax deferral also mean the Contract is more beneficial to investors with a long time horizon.<br> •  Withdrawals may result in income taxes and premature distribution taxes. | &nbsp;&nbsp; Principal Risks of Investing in the Contract |
| &nbsp;&nbsp; **What are the Risks** **Associated with the** **Investment Options?** | &nbsp;&nbsp;&nbsp;&nbsp; •  An investment in this Contract is subject to the risk of poor investment performance of the Funds you choose and can vary depending upon the performance of the Funds available under the Contract.<br> •  Each Fund and fixed account has its own unique risks.<br> •  You should review the investment options, including prospectuses for the available Funds and the terms of the fixed account, before making an investment decision. | &nbsp;&nbsp; Principal Risks of Investing in the Contract |
| &nbsp;&nbsp; **What are the Risks Related** **to the Insurance Company?** | &nbsp;&nbsp;&nbsp;&nbsp; •  An investment in the Contract is subject to the risks related to the Depositor (C.M. Life). Any obligations (including under the fixed account), guarantees, and benefits of the Contract 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 request by calling (800) 272-2216 or by visiting www.MassMutual.com/ratings. | &nbsp;&nbsp; Principal Risks of Investing in the Contract |

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| | | |
|:---|:---|:---|
|  | **RESTRICTIONS** | **LOCATION IN** **PROSPECTUS** |
| &nbsp;&nbsp; **Are There Restrictions on** **the Investment Options?** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Yes.**<br> •  Currently, there is no charge when you transfer Contract Value among investment options. However, C.M. Life reserves the right to assess a charge equal to the lesser of $20 or 2% of the amount transferred for each transfer allowed in a calendar year as provided by the Contract.<br> •  C.M. Life reserves the right to remove or substitute Funds as investment options that are available under the Contract.<br> •  We reserve the right to limit transfers if frequent or large transfers occur.<br> •  Transfers from The Fixed Account to the Funds are subject to certain restrictions. | &nbsp;&nbsp; General Information about C.M. Life Insurance Company, the Separate Account and the Investment Options – The Funds<br>Transfers and Transfer Programs<br>Transfers and Transfer Programs – Transfers During the Accumulation Phase |
| &nbsp;&nbsp; **Are There Any Restrictions** **on Contract Benefits?** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Yes.**<br> •  If your Contract is a tax-sheltered annuity, you may be able to take a loan under your Contract.<br> •  We charge interest on loans.<br> •  If the loan is in default, the outstanding debt will be considered a taxable distribution.<br> •  Loans may negatively affect the death benefit and Contract Value.<br> •  We reserve the right to assess a $35 loan origination fee. | &nbsp;&nbsp; Additional Benefits – Right to Take Loans |

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| | | |
|:---|:---|:---|
|  | **TAXES** | **LOCATION IN** **PROSPECTUS** |
| &nbsp;&nbsp; **What are the Contract's** **Tax Implications?** | &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 Contract.<br> •  If your Contract is funding a qualified retirement plan or individual retirement annuity (IRA), you do not receive any additional tax deferral.<br> •  Earnings on your Contract are taxed at ordinary income tax rates when you withdraw them, and you may have to pay an additional income tax if you take a withdrawal before age 59½. Earnings for this purpose consist of Contract Value in excess of your after-tax investment (cost basis) in the Contract. | &nbsp;&nbsp; Taxes |

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| | | |
|:---|:---|:---|
|  | **CONFLICTS OF INTEREST** | **LOCATION IN** **PROSPECTUS** |
| &nbsp;&nbsp; **How are Investment** **Professionals** **Compensated?** | &nbsp;&nbsp;&nbsp;&nbsp; •  Your registered representative may have received compensation, in the form of commissions, for selling this Contract to you. If your registered representative is also a MassMutual insurance agent, they are also eligible for certain cash and non-cash benefits from MassMutual. Cash compensation includes bonuses and allowances based on factors such as sales, productivity and persistency (Contract 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 Contract may have helped these registered representatives and their supervisors qualify for such benefits.<br> •  This conflict of interest may have influenced your registered representative to offer or recommend this Contract over another investment. | &nbsp;&nbsp; Other Information – Distribution |
| &nbsp;&nbsp; **Should I Exchange my** **Contract?** | &nbsp;&nbsp;&nbsp;&nbsp; •  Because the Contract is no longer sold, you would not be affected by a scenario in which you are asked to replace an existing annuity contract you own with a new purchase of this Contract. However, in general you should be aware that some investment professionals may have a financial incentive to offer you a new contract in place of the one you already own. Thus, in general, you should only exchange your annuity contract if you determine, after comparing the features, fees, and risks of both contracts, and any fees or penalties to terminate your existing contract, that it is preferable for you to purchase the new annuity rather than continue to own the existing annuity. | &nbsp;&nbsp; N/A |

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Additional Information about Fees

The following tables describe the fees and expenses you pay when buying, owning, and surrendering or making withdrawals from the Contract. Please refer to your Contract specifications page for information about the specific fees you will pay each year based on the options you have elected.

The first table describes the fees and expenses that you will pay at the time that you buy the Contract, surrender or make withdrawals from the Contract, or you transfer the Contract Value between investment options. State Premium Taxes may also be deducted.

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp; **Transaction Expenses** | ***Maximum*** | ***Current*** |
| &nbsp;&nbsp; ***Contingent Deferred Sales Charge (CDSC)***<sup>(1)</sup> | 8% | 8% |

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*(1)* *The CDSC percentage charge is a percentage of the amount withdrawn or applied to certain Annuity Options. The CDSC percentage decreases over time in the* *following manner: 8% in years 1 and 2, 7% in year 3, 6% in year 4, 5% in year 5, 4% in year 6, 3% in year 7, 2% in year 8, 1% in year 9, and 0% in year 10 or* *later.* 

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp; ***Transfer Fee***<br>*During the Accumulation Phase* | The lesser of $20 or 2% of the amount transferred. | $0 |
| &nbsp;&nbsp; ***Loan Origination Fee*** | $35 | $0 |

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The next table describes fees and expenses you will pay *each year* during the time you own the Contract, not including underlying Fund fees and expenses.

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp; **Annual Contract Expenses** | ***Maximum*** | ***Current*** |
| &nbsp;&nbsp; Administrative Expenses<sup>(1)</sup> | $60 | $0 |
| &nbsp;&nbsp; ***Base Contract Expenses*** <br>(*as a percentage of average account value*) | 1.50%<sup>(2)</sup> | 1.18%<sup>(2)</sup> |

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*(1)* *This represents the annual contract  maintenance charge.* 

*(2)* *The Base Contract Expenses represent the sum of the mortality and expense risk charge and the administrative charge. The current mortality and expense risk* *charge is 1.03% annually and the current administrative charge is 0.15% annually. The maximum mortality and expense risk charge is 1.25% annually and the* *maximum administrative charge is 0.25% annually. These charges are a percentage of average account value in the Separate Account on an annualized basis.* 

**Annual Fund Operating Expenses**

The next item shows the minimum and maximum operating expenses charged by the Funds that you may pay periodically during the time that you own the Contract. Expenses shown may change over time and may be higher or lower in the future. A complete list of Funds available under the Contract, including their annual expenses, may be found in Appendix A.

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp; **Charge** | ***Minimum*** | ***Maximum*** |
| &nbsp;&nbsp; **Range of annual Fund operating expenses (including** **management fees, distribution and/or service (12b-1) fees and** **other expenses).<sup>(1)</sup>** | 0.44% | 3.48% |

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*(1)* *The Fund expenses used to prepare this item were provided to us by the Funds. We have not independently verified such information provided to us by Funds that* *are not affiliated with us.* 

The information above describes the fees and expenses you pay related to the Contract. For information on compensation we may receive from the Funds and their advisers and sub-advisers, see "General Information about C.M. Life Insurance Company, the Separate Account and the Investment Options – Compensation We Receive from Funds, Advisers and Sub-Advisers." For information on compensation we pay to broker-dealers selling the Contract, see "Distribution."

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**Examples**

These examples are intended to help you compare the cost of investing in the Contract with the cost of investing in other contracts that offer variable options. These costs include Contract Owner transaction expenses, annual Contract fees, and Fund fees and expenses. The Examples assume that no loan has been taken.

The examples assume all Contract Value is allocated to the Funds. Your costs could differ from those shown below if you invest in the fixed account option.

Example I assumes that you withdraw all your Contract Value at the end of each year shown.

Example II assumes you do not withdraw any Contract Value at the end of each year shown, or that you decide to begin the Income Phase at the end of each year shown and we do not deduct a Contingent Deferred Sales Charge. (Currently the Income Phase is not available until 30 days after you purchase your Contract.)

Both Example I and Example II assume:

• that
 you invest $100,000 in the Contract for the time periods indicated,

• that
 you allocate it to a Sub-Account that has a 5% gross return each year,

• that
 either the current or maximum fees and expenses in the "Additional Information About Fees" tables apply, and

• that
 you selected one of two Sub-Accounts:

○ the
 one that invests in the Fund with the maximum operating expenses; or

○ the
 one that invests in the Fund with the minimum operating expenses.

**Examples Using Maximum Expenses**

Based on the above assumptions, your costs would be as shown in the following table. Your actual costs may be higher or lower.

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| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | **Example I** | **Example I** | **Example I** | **Example I** | **Example II** | **Example II** | **Example II** | **Example II** |
| &nbsp;&nbsp; **Years** | **1** | **3** | **5** | **10** | **1** | **3** | **5** | **10** |
| &nbsp;&nbsp; Sub-Account with maximum operating expenses | $12237 | $21406 | $29671 | $50309 | $5040 | $15114 | $25180 | $50309 |
| &nbsp;&nbsp; Sub-Account with minimum operating expenses | $9440 | $13088 | $15852 | $22928 | $2000 | $6182 | $10618 | $22928 |

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<br>**Examples Using Current Expenses**

Based on the above assumptions, your costs would be as shown in the following table. Your actual costs may be higher or lower.

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| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | **Example I** | **Example I** | **Example I** | **Example I** | **Example II** | **Example II** | **Example II** | **Example II** |
| &nbsp;&nbsp; **Years** | **1** | **3** | **5** | **10** | **1** | **3** | **5** | **10** |
| &nbsp;&nbsp; Sub-Account with maximum operating expenses | $11887 | $20394 | $28038 | $47319 | $4660 | $14028 | $23459 | $47319 |
| &nbsp;&nbsp; Sub-Account with minimum operating expenses | $9090 | $12012 | $13999 | $18900 | $1620 | $5026 | $8666 | $18900 |

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The examples using current expenses do not reflect an annual contract maintenance charge. The examples using maximum expenses reflect the annual contract maintenance charge of $60 as an annual charge of 0.06%.

The examples do not reflect any Premium Taxes. However, Premium Taxes may apply.

***The examples should not be considered a representation of past or future expenses. Your actual expenses may be higher or lower*** ***than those shown in the examples. The assumed 5% annual rate of return is hypothetical. Actual returns may be greater or less*** ***than the assumed hypothetical return.***

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Principal Risks of Investing in the Contract

**There are risks associated with investing in the Contract.**

**Market Risk.** You can lose money in a variable annuity, including potential loss of your entire amount invested. The value of your investment and any returns will depend on the performance of the Funds you select. Those Funds could decline in value very significantly, and the risk of loss varies with each Fund. You bear the risk of any decline in your Contract Value resulting from the poor performance of the Funds you have selected. The investment risks are described in the prospectuses for the Funds.

**Early Withdrawal Risk.** Variable annuities are not a short-term investment vehicle. The CDSC may apply for a number of years, so the Contract should only be purchased for the long-term. Under some circumstances, you may receive less than the sum of your Purchase Payments. In addition, full or partial withdrawals will be subject to income tax to the extent that they consist of earnings and may be subject to a 10% additional income tax if taken before age 59½. Accordingly, you should carefully consider your income and liquidity needs before purchasing a Contract. Additional information about these risks appear in "Important Information You Should Consider About the Contract," "Withdrawals," and "Taxes."

**Contract Benefits Risk.** In some states, if your Contract is a tax-sheltered annuity, you may be able to take a loan under your Contract. We charge interest daily on any outstanding loan. If a required loan repayment is not paid in full within 90 days after its due date, the total existing loan balance will be determined to be in default. If you default, the outstanding debt will be considered a taxable distribution and we will do appropriate tax reporting. A loan, whether or not repaid, may have a permanent effect on the death benefit and Contract Value.

**Insurance Company Risk.** It is possible that we could experience financial difficulty in the future and even become insolvent, and therefore unable to provide all of the guarantees and benefits that we promise that exceed the value of the assets in the Separate Account. Similarly, our experiencing financial difficulty could interfere with our ability to fulfill our obligations under The Fixed Account and other General Account obligations.

**Contract Changes Risk.** We reserve the right to limit transfers. We also reserve the right to remove or substitute Funds as investment options available under the Contract. We may impose limits on the minimum and maximum amounts that you may invest or other transaction limits that may limit your use of the Contract.

**Tax Consequences.** Withdrawals are generally taxable to the extent of any earnings in the Contract, and prior to age 59½ an additional income tax may apply to the taxable portion of the withdrawal. In addition, even if the Contract is held for years before any withdrawal is made, earnings are taxable as ordinary income rather than capital gains. Earnings for this purpose consist of Contract Value in excess of your after-tax investment in the Contract.

**Cybersecurity and Certain Business Continuity Risks.** The Company relies on its parent, MassMutual, for various operating and administrative services including computer systems. MassMutual's operations support complex transactions and are highly dependent on the proper functioning of information technology and communication systems. Any failure of or gap in the systems and processes necessary to support complex transactions and avoid systems failure, fraud, information security failures, processing errors, cyber intrusion, loss of data and breaches of regulation may lead to a materially adverse effect on our results of operations and corporate reputation. In addition, MassMutual must commit significant resources to maintain and enhance its existing systems in order to keep pace with applicable regulatory requirements, industry standards and customer preferences. If MassMutual fails to maintain secure and well-functioning information systems, we may not be able to rely on information for product pricing, compliance obligations, risk management and underwriting decisions. In addition, MassMutual cannot assure investors or consumers that interruptions, failures or breaches in security of these processes and systems will not occur, or if they do occur, that they can be timely detected and remediated. The occurrence of any of these events may have a materially adverse effect on our businesses, results of operations and financial condition.

For additional detail regarding cybersecurity and related risks, please see "Other Information – Computer System, Cybersecurity, and Service Disruption Risks" in this prospectus.

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General Information about C.M. Life Insurance Company,<br>the Separate Account and the Investment Options

**The Company**

C.M. Life Insurance Company (C.M. Life) is a wholly owned stock life insurance subsidiary of Massachusetts Mutual Life Insurance Company (MassMutual). C.M. Life provides life insurance and annuities to individuals and group life insurance to institutions. MassMutual and its domestic life insurance subsidiaries provide individual and group life insurance, disability insurance, individual and group annuities and guaranteed interest contracts to individual and institutional customers in all 50 states of the U.S., the District of Columbia and Puerto Rico. Products and services are offered primarily through MassMutual's distribution channels: MassMutual Financial Advisors, MassMutual Strategic Distributors, Institutional Solutions and Worksite.

MassMutual is organized as a mutual life insurance company. MassMutual's home office is located at 1295 State Street, Springfield, Massachusetts 01111-0001. C.M. Life's business address is 1295 State Street , Springfield, Massachusetts 01111-0001.

**Financial Condition of the Company**

We use General Account assets for many purposes, including to pay death benefits, Annuity Payments, withdrawals and transfers from any fixed account and to pay amounts we provide to you through any elected additional feature that are in excess of your Contract Value allocated to the Separate Account. Any amounts that we may be obligated to pay under the Contract in excess of Contract Value are subject to our financial strength and claims-paying ability and our long-term ability to make such payments. The assets of the Separate Account, however, are also available to cover the liabilities of our General Account, but only to the extent they exceed our liabilities under the Contract and other contracts we issue that are funded by the Separate Account.

We issue other types of insurance policies and financial products as well, and we pay our obligations under those products from our assets in the General Account.

As an insurance company, we are required by state insurance regulation to hold a specified amount of reserves in order to meet the contractual obligations of our General Account to our insurance policies and financial products. We monitor our reserves so that we hold sufficient amounts to cover actual or expected contract and claims payments. In addition, we hedge our investments in our General Account and may require that purchasers of certain of our variable insurance products allocate Purchase Payments and Contract Value according to specified investment requirements. Even with these safeguards in place, there are risks to purchasing any insurance product and there is no guarantee that we will always be able to meet our claims-paying obligations.

State insurance regulators also require insurance companies to maintain a minimum amount of capital, which acts as a cushion if the insurer suffers a financial setback because of the inherent risks in the insurer's operations. These risks include losses that we may incur as the result of defaults on the payment of interest or principal on our General Account assets – e.g., bonds, mortgages, general real estate investments, and stocks – as well as the loss in market value of these investments.

We continue to evaluate our investment portfolio to mitigate market risk and actively manage the investment in that portfolio.

**<u>The C.M. Life financial information in the SAI includes a more detailed discussion of the risks inherent in our General</u>** **<u>Account assets. We encourage both existing and prospective Contract Owners to read and understand our financial</u>** **<u>statements.</u>**

**The Separate Account**

We established C.M. Life Multi-Account A (Separate Account) as a separate account under Connecticut law on August 3, 1994. The Separate Account is registered with the SEC as a unit investment trust under the Investment Company Act of 1940 (1940 Act).

The Separate Account holds the assets that underlie the Contracts (and certain other contracts that we issue), except any assets allocated to our General Account. We keep the Separate Account assets separate from the assets of our General Account and other Separate Accounts. The Separate Account is divided into Sub-Accounts, each of which invests exclusively in a single Fund.

We own the assets of the Separate Account. We credit gains to, or charge losses against, the Separate Account, whether or not realized, without regard to the performance of other investment accounts. The Separate Account's assets may not be used to pay any of our liabilities other than those arising from the Contracts (or other contracts that we issue and that are funded by the Separate Account). If the Separate Account's assets exceed the required reserves and other liabilities, we may transfer the excess to our General Account.

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The obligations of the Separate Account are not our generalized obligations and will be satisfied solely by the assets of the Separate Account. We are obligated to pay all amounts promised to investors under the Contract.

**The Fixed Account**

In most states, we offer one fixed account as an investment option within our General Account.

Purchase Payments allocated to The Fixed Account and transfers to The Fixed Account become part of our General Account which supports insurance and annuity obligations. Information regarding The Fixed Account, including its name, its term, and its minimum guaranteed interest rate, is available in an appendix to this Prospectus. See "Appendix A – Investment Options Available Under the Contract."

The General Account has not been registered under the Securities Act of 1933 (1933 Act) nor is the General Account registered under the 1940 Act because of exemptive and exclusionary provisions. Accordingly, neither the General Account nor any interests therein are generally subject to the provisions of the 1933 Act or the 1940 Act. Disclosures regarding The Fixed Account or the General Account, however, are subject to certain generally applicable provisions of the federal securities laws relating to the accuracy and completeness of statements made in this prospectus.

You may allocate Purchase Payments to The Fixed Account. You can also make transfers of your Contract Value into The Fixed Account. You do not participate in the investment performance of the assets in The Fixed Account. Instead, we credit your Contract with interest at a specified rate that we declare in advance. We periodically determine the interest rate at our sole discretion but guarantee that the rate will not be less than the minimum guaranteed interest rate. The minimum guaranteed interest rate that applies to your Contract is shown on your Contract Schedule. The rate may vary depending on the state in which and when your Contract was issued, but it will never be less than 1.5% or the applicable state nonforfeiture interest rate, whichever is greater.

**The Funds**

Information about each Fund, including its name, type or investment objective, investment adviser(s), expenses and performance is available in an appendix to this Prospectus. See "Appendix A – Investment Options Available Under the Contract." There is no assurance that any of the Funds will achieve their stated objectives. Contract Value allocated to a Sub-Account will vary based on the investment experience of the corresponding Fund in which the Sub-Account invests. There is a risk of loss of the entire amount invested.

These Funds are only available to insurance company separate accounts and qualified retirement plans, are not available for purchase directly by the general public, and are not the same as other mutual fund portfolios with very similar or nearly identical names and investment goals and policies that are sold directly to the public. While a Fund may have many similarities to these other publicly available mutual funds, you should not expect the investment results of the Fund to be the same as the investment results of those publicly available mutual funds. We do not guarantee or make any representation that the investment results of the Funds will be comparable to the investment results of any other mutual fund, even a mutual fund with the same investment adviser or manager.

**<u>The prospectus for each Fund contains more detailed information about the Fund. You may obtain copies of the Fund</u>** **<u>prospectuses by contacting our Service Center.</u>** If you received a summary prospectus for a Fund, please follow the directions on the first page of the summary prospectus to obtain a copy of the full Fund prospectus.

**Addition, Removal, Closure or Substitution of Funds**

We have the right to change the Funds offered through the Contract, but only as permitted by law. If the law requires, we will also get your approval and the approval of any appropriate regulatory authorities. Changes may only impact certain Contract Owners. Examples of possible changes include: adding new Funds or fund classes; removing existing Funds or fund classes; closing existing Funds or fund classes; or substituting a Fund with a different Fund. New or substitute Funds may have different fees and expenses. We will not add, remove, close or substitute any shares attributable to your interest in a Sub-Account without notice to you and prior approval of the SEC, to the extent required by applicable law. We reserve the right to transfer Separate Account assets to another separate account that we determine to be associated with the class of contracts to which your Contract belongs.

**Conflicts of Interest**

The Funds available with the Contract may also be available to registered separate accounts offering variable annuity and variable life products of other affiliated and unaffiliated insurance companies, as well as to the Separate Account and other separate accounts of C.M. Life. Although we do not anticipate any disadvantages to this, it is possible that a material conflict may arise between the

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interests of the Separate Account and one or more of the other separate accounts participating in the Funds. A conflict may occur, for example, as a result of a change in law affecting the operations of variable life and variable annuity separate accounts, differences in the voting instructions of the owners and payees and those of other insurance companies, or some other reason. In the event of a conflict of interest, we will take steps necessary to protect owners and payees, including withdrawing the Separate Account from participation in the Funds involved in the conflict or substituting shares of other funds.

We do not recommend or endorse any particular Fund, and we do not provide investment advice. You are responsible for choosing the Funds, and the amounts allocated to each, that are appropriate for your own individual circumstances and your investment goals, financial situation, and risk tolerance. You bear the risk of any decline in your Contract Value resulting from the performance of the Funds that you choose.

**Selection of Funds**

When we select the Funds offered through the Contract, we consider various factors, including, but not limited to, asset class coverage, the strength of the adviser's or sub-adviser's reputation and tenure, brand recognition, performance, and the capabilities and qualifications of each investment firm. We may also consider whether the Fund, its service providers (e.g., the investment adviser or sub-advisers), or its affiliates will make payments to us or our affiliates in connection with certain administrative, marketing, and support services, or whether affiliates of the Fund can provide marketing and distribution support for sales of the Contracts. (For additional information on these arrangements, see the section below entitled "Compensation We Receive from Funds, Advisers and Sub-Advisers.") We review the Funds periodically and may remove a Fund or limit its availability to new Purchase Payments and/or transfers of Contract Value if we determine that a Fund no longer satisfies one or more of the selection criteria, and/or if the Fund has not attracted significant allocation from Contract Owners.

**Compensation We Receive from Funds, Advisers and Sub-Advisers**

**Compensation We Receive from Advisers and Sub-Advisers**

We and certain of our insurance affiliates receive compensation from the advisers and sub-advisers to some of the Funds. We may use this compensation to pay expenses that we incur in promoting, issuing, distributing and administering the Contract and in providing services on behalf of the Funds in our role as intermediary to the Funds. The amount of this compensation is determined by multiplying a specified annual percentage rate by the average net assets held in that Fund that are attributable to the variable annuity and variable life insurance products issued by us and certain of our insurance affiliates that offer the particular Fund. These percentage rates differ, but currently do not exceed 0.25%.

Some advisers and sub-advisers pay us more than others; some do not pay us any such compensation.

The compensation may not be reflected in a Fund's expenses because this compensation may not be paid directly out of a Fund's assets. These payments also may be derived, in whole or in part, from the advisory fee deducted from Fund assets. Contract Owners, through their indirect investment in the Funds, bear the costs of these advisory fees (see the Funds' prospectuses for more information).

In addition, we may receive fixed dollar payments from the advisers and sub-advisers to certain funds so that the adviser and sub-adviser can participate in sales meetings conducted by us. Attending such meetings provides advisers and sub-advisers with opportunities to discuss and promote their funds. For a list of the Funds whose advisers and sub-advisers currently pay such compensation, visit www.MassMutual.com/legal/compensation-arrangements or call our Service Center.

**Compensation We Receive from Funds**

We and certain of our affiliates also receive compensation from certain Funds pursuant to Rule 12b-1 under the 1940 Act. This compensation is paid out of the Fund's assets and may be as much as 0.25% of the average net assets of an underlying Fund which are attributable to variable contracts issued by certain of our insurance affiliates. An investment in a Fund with a 12b-1 fee will increase the cost of your investment in the Contract.

**Voting Rights**

We are the legal owner of the Fund shares. When a Fund solicits proxies in conjunction with a vote of shareholders, we are required to obtain, from you and other Contract Owners, instructions as to how to vote those shares.

When we receive those instructions, we will vote all the shares for which we do not receive voting instructions in proportion to those instructions. This will also include any shares that we own on our own behalf. This may result in a small number of Contract Owners

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controlling the outcome of a vote. If we determine that we are no longer required to vote shares in accordance with Contract Owner instructions, we will vote the shares in our own right.

During the Accumulation Phase, we determine the number of shares you may vote by dividing your Contract Value in each Fund by $100, including fractional shares. You do not have any voting rights during the Annuity Phase.

We may, when required by state insurance regulatory authorities, disregard voting instructions, if such instructions would require shares to be voted so as to cause a change in the sub-classification or investment objective of a Fund or to approve or disapprove an investment advisory contract for the Fund. In addition, we may disregard voting instructions that would require a change in the investment policy or investment adviser of one or more of the available Funds. Our disapproval of such change must be reasonable and based on a good faith determination that the change would be contrary to state law or otherwise inappropriate, considering the Fund's objectives and purpose. If we disregard Contract Owner voting instructions, we will advise Contract Owners of our action and the reasons for such action.

Charges and Deductions

This section describes the charges and deductions we make under the Contract to compensate us for the services and benefits we provide, costs and expenses we incur and risks we assume. We may profit from the charges deducted and we may use any such profits for any purpose, including payment of marketing and distribution expenses. These charges and deductions reduce the return on your investment in the Contract.

**Insurance Charges**

Each Business Day we deduct our insurance charges from the assets of the Separate Account. This charge is calculated based on a percentage of the daily value of the assets invested in each Fund, after Fund expenses are deducted. We do this as part of our calculation of the value of the Accumulation Units and the annuity units. The insurance charge has two parts:

• the
 mortality and expense risk charge; and

• the
 administrative charge.

**Mortality and Expense Risk Charge**

The mortality and expense risk is for:

• the
 mortality risk associated with the insurance benefits provided, including our obligation to make Annuity Payments after the
 Annuity Date regardless of how long all Annuitants live, the death benefits, and the guarantee of rates used to determine your
 Annuity Payments during the Income Phase; and

• the
 expense risk that the current charges will be insufficient to cover the actual cost of administering the Contract.

We may increase the mortality and expense risk charge at any time while you own the Contract, but the charge will never exceed 1.25%.

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp; **Mortality and Expense Risk Charge** |  |  |
| &nbsp;&nbsp; ***When Charge is Deducted*** | ***Current (annual rate)*** | ***Maximum (annual rate)*** |
| &nbsp;&nbsp; Daily as a percentage of the daily value of the assets invested in each Sub-Account | 1.03% | 1.25% |

---

For all Contracts, if the amount of the charge is more than sufficient to cover the mortality and expense risk, we will make a profit on the charge. We may use this profit for any purpose, including the payment of marketing and distribution expenses for the Contract. If the mortality and expense risk charge is not sufficient cover the mortality and expense risk, we will bear the loss. If this is the case, we may raise the mortality and expense risk charge in order to restore profitability. In no case will we raise the charge above the maximum amount.

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**Administrative Charge**

This charge reimburses us for the expenses associated with the administration of the Contract and the Separate Account. Some of these expenses are: preparation of the Contract, confirmations, annual reports and statements, maintenance of Contract records, personnel costs, legal and accounting fees, filing fees, and computer and systems costs.

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp; **Administrative Charge** |  |  |
| &nbsp;&nbsp; ***When Charge is Deducted*** | ***Current (annual rate)*** | ***Maximum (annual rate)*** |
| &nbsp;&nbsp; Daily as a percentage of the daily value of the assets invested in each Sub-Account | 0.15% | 0.25% |

---

**Annual Contract Maintenance Charge**

Currently, we do not deduct an annual contract maintenance charge from your Contract. However, we reserve the right to deduct an amount not to exceed $60 from your Contract at the end of each Contract Year as an annual contract maintenance charge should it become necessary for us to seek reimbursement for expenses relating to the issuance and maintenance of the Contract.

**Transfer Fee**

Currently, you can make an unlimited number of transfers every calendar year during the Accumulation Phase without charge. During the Income Phase, we allow six transfers each calendar year, and they are not currently subject to a transfer fee.

However, the Company reserves the right to charge $20 per transfer or 2% of the amount that is transferred, whichever is less, for each transfer allowed in a calendar year as provided by the Contract. The Company will exercise this right if a significant increase in transfer activity by Contract Owners leads to an increase in costs to administer the Contract.

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp; **Transfer Fee** | &nbsp;&nbsp; **Transfer Fee** | &nbsp;&nbsp; **Transfer Fee** | &nbsp;&nbsp; **Transfer Fee** |
|  | ***When Charge is Deducted*** | ***Current (annual rate)*** | ***Maximum (annual rate)*** |
| &nbsp;&nbsp; **During the Accumulation**<br>**Phase Only** | Upon each transfer | $0 | $20 per transfer or 2% of the amount that is transferred, whichever is less. |

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**Contingent Deferred Sales Charge (CDSC)**

We do not deduct a sales charge when we receive a Purchase Payment. However, we may assess a CDSC for withdrawals that exceed the free withdrawal amount. Additionally, in most states, we may assess a Contingent Deferred Sales Charge on amounts applied to Annuity Option E or F. See "Appendix E – State Variations of Certain Contract Features." We use this charge to cover certain expenses relating to the sale of the Contract.

If we assess a CDSC, we will deduct it from the amount you withdraw or apply to Annuity Option E or F.

The amount of the charge depends on:

• the
 amount you withdraw or apply to Annuity Option E or F; and

• the
 length of time between when we issued your Contract and when you make a withdrawal or apply your Contract Value to Annuity
 Option E or F.

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The Contingent Deferred Sales Charge is as follows:

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| | |
|:---|:---|
| &nbsp;&nbsp; **CDSC** | &nbsp;&nbsp; **CDSC** |
| ***Contract Year of Withdrawal***<br>***or Annuity Date*** | ***Charge*** |
| 1 | 8% |
| 2 | 8% |
| 3 | 7% |
| 4 | 6% |
| 5 | 5% |
| 6 | 4% |
| 7 | 3% |
| 8 | 2% |
| 9 | 1% |
| 10 and later | 0% |

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The CDSC may vary in some states. See "Appendix E – State Variations of Certain Contract Features."

See ''Appendix C – Contingent Deferred Sales Charge (CDSC) Example.''

In addition to the free withdrawals described later in this section, we will not impose a CDSC under the following circumstances.

• Upon
 payment of the death benefit.

• On
 amounts withdrawn as RMDs, to the extent they exceed the free withdrawal amount. In order to qualify for this exception,
 the annual RMD must be calculated by us, based solely on the fair market value of the Contract. If you choose to take
 withdrawals from the Contract to satisfy your RMDs for other qualified assets, a CDSC may apply.

• Upon
 application of the Contract Value to any Single Life or Joint and Survivor Life Annuity Option, or to a Period Certain Annuity
 under Annuity Option E of at least ten years.

• If
 you redeem excess contributions from a plan qualifying for special income tax treatment. These types of plans are referred to
 as qualified plans, including Individual Retirement Annuities (IRAs). We look to the Internal Revenue Code for the definition
 and description of excess contributions.

• Under
 a replacement program offered by us, when the Contract is exchanged for another variable annuity contract issued by us
 or one of our affiliated insurance companies, of the type and class which we determine is eligible for such an exchange. A CDSC
 may apply to the contract received in the exchange. A reduced CDSC schedule may apply under the Contract if another
 variable annuity contract issued by us or one of our affiliated insurance companies is exchanged for the Contract. Exchange
 programs may not be available in all states. We have the right to modify, suspend or terminate any exchange program
 any time without prior notification. If you want more information about our current exchange programs, contact your
 registered representative or us at our Service Center.

• If
 you are eligible for waiver of the CDSC due to your election of the Terminal Illness Benefit described in "Additional Benefits."

• If
 you apply your entire Contract Value to purchase a single premium immediate life annuity or a fixed deferred annuity issued
 by us or one of our affiliates, subject to certain restrictions.

• On
 any withdrawals made or amounts applied to an Annuity Option when you reach the latest permitted Annuity Date for your
 Contract.

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**Free Withdrawals**

In your first Contract Year, you may withdraw, without incurring a Contingent Deferred Sales Charge, up to 10% of your Contract Value as of the beginning of the Contract Year reduced by any free withdrawal(s) you previously took during the Contract Year. Beginning in your second Contract Year, you may withdraw up to 10% of your Contract Value as of the end of the previous Contract Year reduced by any free withdrawal amount previously taken during the Contract Year. You may take the 10% free withdrawal amount in multiple withdrawals each Contract Year.

Any unused free withdrawal amount(s) during any particular Contract Year may not be carried over to any succeeding Contract Year.

See ''Appendix B – Free Withdrawal Amount Example.''

**Premium Taxes**

Some states and other governmental entities charge Premium Taxes or similar taxes. We are responsible for the payment of these taxes and will make a deduction for them from your Contract Value, or we may adjust the annuity rates for Premium Tax assessed. Some of these taxes are due when your Contract is issued, others are due when Annuity Payments begin. Currently we do not charge you for these taxes until you begin receiving Annuity Payments or you make a total withdrawal. We may discontinue this practice and assess the charge when the tax is due. Premium Taxes generally range from 0% to 3.5%, depending on the state.

**Income Taxes**

We will deduct from the Contract any income taxes which we incur because of the operation of the Separate Account. At the present time, we are not making any such deductions. We will deduct any withholding taxes required by law.

**Fund Expenses**

The Separate Account purchases shares of the Funds at net asset value. The net asset value of each Fund reflects investment management fees and other expenses already deducted from the assets of the Fund. In addition, one or more of the Funds available as an investment option may pay a distribution fee out of the Fund's assets to us known as a 12b-1 fee. Any investment in one or more of the Funds with a 12b-1 fee will increase the cost of your investment in the Contract. Please refer to the Fund prospectuses for more information regarding these expenses.

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Ownership

**Contract Owner**

In this prospectus, ''you'' and ''your'' refer to the Contract Owner. The Contract Owner is named at the time you apply for a Contract. The Contract Owner must be an individual unless the Contract is issued under IRC Section 457(b), in which case the Contract Owner must be a non-natural entity. We will not issue a Contract to you if you have passed Age 85 as of the date we proposed to issue the Contract. The maximum issue Age for the Contract and certain of its riders may be reduced in connection with the offer of the Contract through certain broker-dealers. You should discuss this with your registered representative.

As the Contract Owner of the Contract, you exercise all rights under the Contract. The Contract Owner names the Beneficiary.

If you purchased the Contract as a tax-qualified Contract, your rights in the Contract may be subject to restrictions under the plan documents.

Contracts under qualified plans, including section 457 deferred compensation plans, generally must be held by the plan sponsor or plan trustee. Except for TSAs and Individual Retirement Annuities (IRAs), an individual cannot be the Contract Owner under a Contract held to fund a qualified plan. Therefore, the individuals covered by the qualified plan have no ownership rights.

**Annuitant**

The Annuitant is the person on whose life we base Annuity Payments. You designate the Annuitant at the time of application. We will not issue a Contract to you if the proposed Annuitant has passed Age 85 as of the date we proposed to issue the Contract. In order for the Contract to qualify as a tax-sheltered annuity or an individual retirement annuity, you must be named as Contract Owner and Annuitant. We will use the Age of the Annuitant to determine all applicable benefits under a Contract owned by a non-natural person.

**Beneficiary**

The Beneficiary is the person(s) or entity(ies) you name to receive any death benefit. You name the Beneficiary at the time of application. You may change the Beneficiary at any time before you die. You may name an irrevocable Beneficiary(ies). In that case, a change involving the irrevocable Beneficiary requires the consent of the irrevocable Beneficiary. If an irrevocable Beneficiary is named, the Contract Owner retains all other contractual rights.

If you are married and your Contract is issued under an ERISA plan, your ability to name a primary Beneficiary other than your spouse is restricted.

**Beneficiary IRA**

Beneficiary, Inherited, Legacy or "Stretch" IRAs are all terms used to describe an IRA that is used exclusively to distribute death proceeds of an IRA or other qualified investment to the beneficiary over that beneficiary's life expectancy in order to meet the Required Minimum Distribution (RMD) rules. Upon the contract owner's death under an IRA or other qualified contract, an "Eligible Designated Beneficiary" may generally establish a Beneficiary IRA by either purchasing a new annuity contract or, in some circumstances, by electing the Beneficiary IRA payout option under the current contract. Until withdrawn, amounts in a Beneficiary IRA continue to be tax-deferred. Amounts withdrawn each year, including amounts that are required to be withdrawn under the RMD rules, are subject to tax.

If the IRA owner or plan participant died on or before December 31, 2019 (on or before December 31, 2021 for participants of a governmental plan or a plan maintained pursuant to a collective bargaining agreement), an individual designated beneficiary, and certain trusts as beneficiary, are treated as Eligible Designated Beneficiaries, and can elect to take distributions over their life expectancy (life expectancy of the oldest trust beneficiary).

However, if the IRA owner or plan participant dies on or after January 1, 2020 (on or after January 1, 2022 for participants of a governmental plan or a plan maintained pursuant to a collective bargaining agreement), only certain designated beneficiaries are treated as Eligible Designated Beneficiaries, and we will only offer the Beneficiary IRA payout option to a designated beneficiary who either (1) is the surviving spouse of the deceased qualified plan participant or IRA owner or, (2) is not more than 10 years younger than the deceased qualified plan participant or IRA owner. In the future, we may allow additional classes of Eligible Designated Beneficiaries to elect the Beneficiary IRA payout option. See "Death Benefit – Death Benefit Payment Options During the Accumulation Phase – Beneficiary IRA."

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Purchasing a Contract

We no longer sell the MassMutual Artistry variable annuity Contract. However, we do continue to administer existing Contracts, and you may continue making additional Purchase Payments to your Contract, subject to the limits described in this section.

**Purchase Payments**

The minimum amount we accepted for an initial Purchase Payment was:

• $200
 by the first Contract Anniversary, for a Contract purchased with salary reduction payments; or

• $2,000
 for a Contract purchased through a direct asset transfer from another financial institution or one of our affiliates or through
 non-salary reduction payments.

You can make additional Purchase Payments by sending payments to one of our purchase payment processing centers:

• **by check** that clearly
 indicates your name and Contract number mailed to:

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| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <u>First Class Mail</u><br>MassMutual Artistry<br>Annuity Payment Services<br>PO Box 74908<br>Chicago, IL 60675-4908 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <u>Overnight Mail</u><br>MassMutual Artistry<br>Annuity Payment Services<br>5450 N. Cumberland Ave.<br>Suite 100<br>Lockbox 74908<br>Chicago, IL 60656 |

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• **by wire transfer.** For instructions on how to make a Purchase Payment by wire transfer, please contact your registered representative.

You may also send Purchase Payments to our Service Center.

Additional Purchase Payments of less than $25 are subject to our approval.

For Contracts issued on or after May 1, 2010, the maximum total Purchase Payments we will allow without home office approval is $1.5 million.

For Contracts issued prior to May 1, 2010, the maximum total Purchase Payments we will allow without home office approval is based on your Age when we issued the Contract. The maximum amount is:

• $1.5
 million up to Age 75; or

• $500,000
 if older than Age 75.

For Contracts issued in New Jersey, the maximum amount of cumulative Purchase Payments we accept without our prior approval is $1.5 million.

If the Contract Owner is not a natural person, these Purchase Payment limits will apply to the Annuitant's Age.

Age is as of the nearest birthday. For example, Age 80 is generally the period of time between age 79 years, 6 months and 1 day and age 80 and 6 months. See ''Age.''

We have the right to reject any application or Purchase Payment.

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**Allocation of Purchase Payments**

When you purchased your Contract, we allocated your Purchase Payment among the investment options according to the allocation instructions you provided. If you make additional Purchase Payments, we will allocate them based on your current allocation instructions, unless you request a different allocation by sending us a Written Request. Unless we are instructed otherwise, we will apply Purchase Payments made by your employer in accordance with your Purchase Payment allocation instructions in effect at the time we receive your employer's Purchase Payment.

Any allocations to The Fixed Account or the Sub-Accounts that invest in the Funds that you have selected must be in whole percentages and must total 100%.

Currently, there is no limit to the number of investment options that you may invest in at any one time. However, we reserve the right to limit the number of investment options that you may invest in to a maximum of 18 investment options (including The Fixed Account) at any one time in the event administrative burdens require such a limitation.

If you add more money to your Contract by making additional Purchase Payments, we will credit these amounts to your Contract on the Business Day we receive them and all necessary information in Good Order at our Service Center or lockbox. If we receive your Purchase Payment at our Service Center or lockbox on a Non-Business Day or after the Business Day closes, we will credit the amount to your Contract effective the next Business Day. Our Business Day closes when the New York Stock Exchange (NYSE) closes, usually 4:00 p.m. Eastern Time.

**Contract Value**

Your Contract Value is the sum of your value in the Sub-Accounts and The Fixed Account.

The value of your investments in the Separate Account will vary depending on the investment performance of the Funds you choose. In order to keep track of your Contract Value in the Separate Account, we use a unit of measure called an Accumulation Unit.

During the Income Phase of your Contract, we call the unit an annuity unit if a variable Annuity Option is elected.

**Accumulation Units**

During the Accumulation Phase, Accumulation Units shall be used to account for all amounts allocated to or withdrawn from the Sub-Accounts as a result of Purchase Payments, withdrawals, transfers, or fees and charges. The Company will determine the number of Accumulation Units of a Sub-Account purchased or sold. This will be done by dividing the amount allocated to (or the amount withdrawn from) the Sub-Account by the dollar value of one Accumulation Unit of the Sub-Account as of the end of the Business Day during which the transaction is received in Good Order at our Service Center.

The Accumulation Unit value for each Sub-Account was arbitrarily set initially at $10. Subsequent Accumulation Unit values for each Sub-Account are determined for each day in which the New York Stock Exchange is open for business (Business Day) by multiplying the Accumulation Unit value for the immediately preceding Business Day by the net investment factor for the Sub-Account for the current Business Day.

The net investment factor for each Sub-Account is determined by dividing A by B and subtracting C where:

A is (i) the net asset value per share of the funding vehicle or portfolio of a funding vehicle held by the Sub-Account for the current Business Day; plus (ii) any dividend per share declared on behalf of such funding vehicle or portfolio of a funding vehicle that has an ex-dividend date within the current Business Day; less (iii) the cumulative charge or credit for taxes reserved which is determined by the Company to have resulted from the operation or maintenance of the Sub-Account.

B is the net asset value per share of the funding vehicle or portfolio held by the Sub-Account for the immediately preceding Business Day, minus the cumulative charge or credit for taxes reserved which is determined by C.M. Life to have resulted from the operation or maintenance of the Sub-Account as of the immediately preceding Business Day.

C is the cumulative charge since the immediately preceding Business Day for the insurance charges.

The Accumulation Unit value may increase or decrease from Business Day to Business Day.

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***Example:***<br>On Monday we receive an additional Purchase Payment of $5,000 from you. You have told us you want this to go to the MML VIP Barings Core Bond Sub-Account. When the NYSE closes on that Monday, we determine that the value of an Accumulation Unit for the MML VIP Barings Core Bond Sub-Account is $13.90. We then divide $5,000 by $13.90 and credit your Contract on Monday night with 359.71 Accumulation Units for the MML VIP Barings Core Bond Sub-Account.

**Right to Cancel Your Contract**

You have a right to examine your Contract (sometimes referred to as a free look period). If you change your mind about owning your Contract, you can cancel it within ten calendar days after receiving it. However, this time period may vary by state. When you cancel the Contract within this time period, we will not assess a CDSC. Unless your state has other requirements, you will receive back your Contract Value as of the Business Day we receive your Contract and your Written Request in Good Order at our Service Center, and your Contract will be terminated. See ''Appendix E – State Variations of Certain Contract Features.''

**Sending Requests in Good Order**

From time to time you may want to submit a request for transfer among investment options, a withdrawal, a change of Beneficiary, or some other action. We can only act upon your request if we receive it in ''Good Order.'' Generally, your request must include the information and/or documentation we need to complete the action without using our own discretion to carry it out. Additionally, some actions may require that you submit your request on our form. We may, in our sole discretion, determine whether any particular transaction request is in Good Order, and we reserve the right to change or waive any Good Order requirements at any time. To help protect against unauthorized or fraudulent telephone instructions, we will use reasonable procedures to confirm that telephone instructions given to us are genuine. We may record all telephone instructions.

In addition to Written Requests, we may allow requests to our Service Center:

• by
 fax at (866) 329-4272,

• by
 email at ANNfax@MassMutual.com,

• by
 telephone at (800) 272-2216, or

• by
 internet at www.MassMutual.com.

Fax, telephone, email, or internet transactions may not always be available. Fax, telephone, email, and computer systems can experience outages or slowdowns for a variety of reasons. These outages or slowdowns may prevent or delay our receipt of your request. We may make these additional methods available at our discretion. They may be suspended or discontinued at any time without notice. Not all transaction types can be requested by fax, telephone, email, or the internet.

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Transfers and Transfer Programs

**General Overview**

Generally, you can transfer all or part of your Contract Value among investment options. However, there are restrictions that are detailed later in this section. You can make transfers by Written Request, email, telephone, fax, or other authorized means. You must clearly indicate the amount and investment options from and to which you wish to transfer.

We reserve the right, at any time and without prior notice to any party, to terminate, suspend, or modify the transfer provisions of this Contract.

Your registered representative may provide us with instructions on your behalf involving Fund transfers subject to our rules and requirements, including the restrictions on frequent trading and market timing activities.

Your transfer is effective at the Close of Business on the Business Day we receive your Written Request, in Good Order, at our Service Center. If we receive your transfer request at our Service Center in Good Order on a Non-Business Day or after the Close of Business, your transfer request will be effective on the next Business Day.

**Transfers During the Accumulation Phase**

You may transfer all or part of your Contract Value allocated to a Sub-Account or The Fixed Account. You can make a transfer to or from any Sub-Account and to or from The Fixed Account. During the Accumulation Phase, we do not assess a transfer fee. However, we reserve the right to charge $20 or 2% of the amount that is transferred, whichever is less, for each transfer allowed in a calendar year as provided by the Contract. We also reserve the right to limit the number of transfers that you can make as provided by the Contract.

The following rules apply to any transfer during the Accumulation Phase:

• Currently,
 the minimum amount which you can transfer is:

○ $100;
 or

○ the
 entire value in a Sub-Account, if less.

We reserve the right to impose a minimum transfer amount of $500. Currently, we do not require that a minimum balance remain in a Sub-Account after a transfer. However, we reserve the right to require that $500 remain in the Sub-Account after a transfer unless you transfer your entire Contract Value in the Sub-Account. We waive these requirements if the transfer is made in connection with the Automatic Rebalancing Program.

• You
 must clearly indicate the amount and investment options from and to which you wish to transfer.

• If
 your Contract Value in The Fixed Account is $500 or less at the time of your transfer, then you may transfer the entire amount
 out of The Fixed Account, less the amount of any outstanding Contract loan.

• If
 your Contract Value in The Fixed Account is more than $500, then during any Contract Year, we limit transfers out of The Fixed
 Account to 30% of your Contract Value in The Fixed Account as of the end of the previous Contract Year. However, if you
 transfer 30% of your Contract Value in The Fixed Account for three consecutive Contract Years, your transfer in the fourth
 consecutive Contract Year may be for the entire amount in The Fixed Account, provided that you have not applied payments
 or transferred Contract Value into The Fixed Account from the time the first annual transfer was made. For purposes
 of this restriction, your Contract Value in The Fixed Account does not include the amount of any outstanding loan. You
 may not transfer Contract Value out of the loaned portion of The Fixed Account. We measure a Contract Year from the anniversary
 of the day we issued your Contract. Transfers out of The Fixed Account are done on a first-in, first-out basis. In other
 words, amounts attributed to the oldest Purchase Payments are transferred first; then amounts attributed to the next oldest
 Purchase Payments are transferred; and so on.

• We
 consider The Fixed Account and a money market Fund to be ''competing accounts.'' Transfers between competing accounts
 are not allowed. For a period of 90 days following a transfer out of a competing account, no transfers may be made into
 the other competing account. In addition, for a period of 90 days following a transfer into a competing account, no transfers
 may be made out of the other competing account.

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**Transfers During the Income Phase**

During the Income Phase, we allow six transfers each calendar year, and they are not subject to a transfer fee. However, we reserve the right to deduct a transfer fee of $20 or 2% of the amount that is transferred, whichever is less, for each transfer allowed in a calendar year as per the Contract. You cannot transfer from the General Account to a Fund, but you can transfer from one or more Funds to the General Account once a Contract Year. The minimum amount which you can transfer is $500 or your entire interest in the Fund, if less. After a transfer, the minimum amount which must remain in a Fund is $500 unless you have transferred the entire value.

**Transfer Programs**

*For detailed rules and restrictions pertaining to these programs and instructions for electing a program, contact our Service Center.*

**Overview**

We currently offer the following transfer programs: Dollar Cost Averaging Program, Automatic Rebalancing Program, and Interest Sweep Option.

These programs are only available during the Accumulation Phase of your Contract. You may participate only in one of these programs at any one time.

Transfers made through a transfer program are not subject to transfer fees and do not count towards any free transfers you may be permitted each year.

**Dollar Cost Averaging Program**

This program allows you to systematically transfer a set amount from a selected Sub-Account to any of the other Sub-Account(s). By allocating amounts on a regular schedule as opposed to allocating the total amount at one particular time, you may be less susceptible to the impact of market fluctuations. Dollar cost averaging does not assure a profit and does not protect you against loss in declining markets. Since dollar cost averaging involves continuous investment in securities regardless of fluctuating price levels of such securities, you should consider your financial ability to continue the program through periods of fluctuating price levels.

Your Dollar Cost Averaging Program will terminate:

• if
 you withdraw the total Contract Value;

• upon
 payment of the death benefit;

• if
 the last transfer you selected has been made;

• if
 you apply your Contract Value to an Annuity Option;

• if
 there is insufficient Contract Value in the selected Sub-Account to make the transfer; or

• if
 we receive from you a Written Request or a request over the telephone at our Service Center to terminate the program prior
 to the next transfer date.

**Automatic Rebalancing Program**

Over time, the performance of each Sub-Account may cause your allocation to shift from your original allocation. You can direct us to automatically rebalance your Contract Value allocated to the Sub-Accounts in order to return to your original percentage allocations by selecting our Automatic Rebalancing Program. Contract Value allocated to The Fixed Account cannot participate in the Automatic Rebalancing Program.

This program will terminate:

• if
 you withdraw the total Contract Value;

• upon
 payment of the death benefit;

• if
 you apply your Contract Value to an Annuity Option;

• if
 you make any unscheduled transfer; or

• if
 we receive from you a Written Request or request over the telephone at our Service Center to terminate the program prior to
 the next transfer date.

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**Interest Sweep Option**

Under this program, we will automatically transfer earnings from your Contract Value in The Fixed Account to any one Fund or combination of Funds that you select. By allocating these earnings to the Funds, you can pursue further growth in the value of your Contract through more aggressive investments. However, the Interest Sweep Option does not assure a profit and does not protect against loss in declining markets.

This program will terminate:

• if,
 as the result of a withdrawal, you no longer have Contract Value in the non-loaned portion of The Fixed Account;

• if,
 at time of transfer, no interest is available for transfer (for example, if the interest earned is required to cover Contract related
 charges or has been part of a partial withdrawal);

• if
 you apply your Contract Value to an Annuity Option;

• upon
 payment of the death benefit; or

• if
 we receive from you a Written Request or request over the telephone at our Service Center to terminate the program prior to
 the next transfer date.

**Limits on Frequent Trading and Market Timing Activity**

The Contract and its investment options are not designed to serve as vehicles for what we have determined to be frequent trading or market timing trading activity. We consider these activities to be abusive trading practices that can disrupt the management of a Fund in the following ways:

• by
 requiring the Fund to keep more of its assets liquid rather than investing them for long-term growth, resulting in lost investment
 opportunity; and

• by
 causing unplanned portfolio turnover.

These disruptions, in turn, can result in increased expenses and can have an adverse effect on Fund performance that could impact all Contract Owners and Beneficiaries under the Contract, including long-term Contract Owners who do not engage in these activities. Therefore, we discourage frequent trading and market timing trading activity and will not accommodate frequent transfers of Contract Value among the Funds. Organizations and individuals that intend to trade frequently and/or use market timing investment strategies should not purchase the Contract.

We have adopted policies and procedures to help us identify those individuals or entities that we determine may be engaging in frequent trading and/or market timing trading activities. We monitor trading activity to uniformly enforce those procedures. However, those who engage in such activities may employ a variety of techniques to avoid detection. Our ability to detect frequent trading or market timing may be limited by operational or technological systems, as well as by our ability to predict strategies employed by Contract Owners (or those acting on their behalf) to avoid detection. Therefore, despite our efforts to prevent frequent trading and the market timing of Funds among the Sub-Accounts, there can be no assurance that we will be able to identify and curtail every instance of trading of those who trade frequently or those who employ a market timing strategy or those who act as intermediaries on behalf of such persons. Moreover, our ability to discourage and restrict frequent trading or market timing may be limited by decisions of state regulatory bodies and court orders that we cannot predict.

In addition, some of the Funds are available with variable products issued by other insurance companies. We do not know the effectiveness of the policies and procedures used by these other insurance companies to detect frequent trading and/or market timing. As a result of these factors, the Funds may reflect lower performance and higher expenses across all Contracts as a result of undetected abusive trading practices.

If we, or any investment adviser to any of the Funds available with the Contract, determine that a Contract Owner's transfer patterns reflect frequent trading or employment of a market timing strategy, we will allow the Contract Owner to submit transfer requests by regular mail only. We will not accept other Contract Owner transfer requests if submitted by overnight mail, fax, the telephone, our website, or any other type of electronic medium. Additionally, we may reject any single trade that we determine to be abusive or harmful to the Fund. Orders for the purchase of Fund shares may be subject to acceptance by the Fund. Therefore, we reserve the right to reject, without prior notice, any Fund transfer request if the investment in the Fund is not accepted for any reason.

The Funds may assess a redemption fee (which we reserve the right to collect) on shares held for a relatively short period. The prospectuses for the Funds describe the Funds' frequent trading and market timing policies and procedures, which may be more or less restrictive than the policies and procedures we have adopted. We have entered into a written agreement, as required by SEC regulation, with each Fund or its principal underwriter that obligates us to provide to the Fund promptly upon request certain information about

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the trading activity of individual Contract Owners, and to execute instructions from the Fund to restrict or prohibit further purchases or transfers by specific Contract Owners who violate the frequent trading or market timing policies established by the Fund.

Contract Owners and other persons with interests in the Contracts should be aware that the purchase and redemption orders received by the Funds generally are "omnibus" orders from intermediaries, such as retirement plans or separate accounts funding variable insurance contracts. The omnibus orders reflect the aggregation and netting of multiple orders from individual owners of variable contracts and/or individual retirement plan participants. The omnibus nature of these orders may limit the Funds in their ability to apply their frequent trading or market timing policies and procedures. It may also require that we restrict or prohibit further purchases or transfers as requested by a Fund on all Contracts owned by a Contract Owner whose trading activity under one variable Contract has violated a Fund's frequent trading or market timing policy. If a Fund believes that an omnibus order reflects one or more transfer requests from Contract Owners engaged in frequent trading or market timing activity, the Fund may reject the entire omnibus order.

We will notify you in writing if we reject a transfer or if we implement a restriction due to frequent trading or the use of market timing investment strategies. If we do not accept a transfer request, no change will be made to your allocations per that request. We will then allow you to resubmit the rejected transfer by regular mail only.

Additionally, we may in the future take any of the following restrictive actions that are designed to prevent the employment of a frequent trading or market timing strategy:

• not
 accept transfer instructions from a Contract Owner or other person authorized to conduct a transfer;

• limit
 the number of transfer requests that can be made during a Contract Year; and

• require
 the value transferred into a Fund to remain in that Fund for a particular period of time before it can be transferred out of
 the Fund.

We will apply any restrictive action we take uniformly to all Contract Owners we believe are employing a frequent trading or market timing strategy. These restrictive actions may not work to deter frequent trading or market timing activity.

We reserve the right to revise our procedures for detecting frequent trading and/or market timing at any time without prior notice if we determine it is necessary to do so in order to better detect frequent trading and/or market timing, to comply with state or federal regulatory requirements, or to impose different restrictions on frequent traders and/or market timers. If we modify our procedures, we will apply the new procedure uniformly to all Contract Owners.

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The Income Phase

**Overview**

If you want to receive regular income from your annuity, you can elect to apply your Contract Value so that you can receive fixed and/or variable Annuity Payments under one of the Annuity Options described in this section. We may base Annuity Payments on the Age and sex of the Annuitant(s) under all options except Annuity Option E. We may require proof of Age and sex before Annuity Payments begin. Some states require us to use unisex rates. See "Appendix E – State Variations of Certain Contract Features."

If your Contract Value is less than $2,000 on the Annuity Date, we will pay you a lump sum rather than a series of Annuity Payments. If any Annuity Payment is less than $100, we reserve the right to change the payment basis to equivalent quarterly, semi-annual, or annual payments.

**Electing an Annuity Option**

On the Annuity Date, we must have written instructions in Good Order at our Service Center regarding your Annuity Option choice, including whether you want fixed and/or variable payments.

If on the Annuity Date we do not have your instructions, we will assume you elected Option B with ten years of payments guaranteed. We will use Contract Value in the Funds to provide a variable portion of each Annuity Payment and Contract Value in The Fixed Account, if any, to provide a fixed portion of each Annuity Payment. If your Contract is a Qualified Contract, we may default you to a different Annuity Option in order to comply with requirements applicable to qualified plans.

**Annuity Payment Start Date**

You can choose the day, month and year in which Annuity Payments begin; however, the day must be between the 1<sup>st</sup> and 28<sup>th</sup> day of the month. We call that date the Annuity Date. According to your Contract, your Annuity Date cannot be earlier than five years after you buy the Contract. However, we currently allow you to select an Annuity Date that is at least 30 days after you purchase your Contract.

You chose your Annuity Date when you purchased your Contract. After you purchased your Contract, you can request an earlier Annuity Date by Written Request. If you elect an Annuity Date earlier than your Latest Permitted Annuity Date, you can request that we delay your Annuity Date by Written Request or by telephone any time before or on the Annuity Date.

**Latest Permitted Annuity Date**

Annuity Payments must begin by the earlier of:

• the
 90 <sup>th</sup> birthday of the Annuitant; or

• the
 latest date permitted under state law.

Upon Written Request we will defer the Annuity Date up to the 100<sup>th</sup> birthday.

**Annuity Payments**

On the Annuity Date, you will begin receiving Annuity Payments under the Annuity Option that you elected.

<u>Fixed Annuity Payments</u>

If you choose fixed payments, the payment amount will not vary. The amount of your Annuity Payments will depend upon the following:

• the
 value of your Contract on the Annuity Date;

• the
 Annuity Option you elect;

• the
 Age and sex of the Annuitant or joint Annuitants, if applicable;

• the
 minimum guaranteed payout rates associated with your Contract;

• the
 deduction of a Contingent Deferred Sales Charge (may be deducted under Annuity Options E and F only); and

• the
 deduction of Premium Taxes, if applicable.

If the single premium immediate annuity rates offered by MassMutual on the Annuity Date are more favorable than the minimum guaranteed rates listed in your Contract, those rates will be used.

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<u>Variable Annuity Payments</u>

If you choose variable payments, the payment amount will vary with the investment performance of the Funds you elect. The first payment amount will depend on the following:

• the
 value of your Contract  on the Annuity Date;

• the
 Annuity Option you elect;

• the
 Age and sex of the Annuitant or joint Annuitants, if applicable;

• the
 minimum guaranteed payout rates associated with your Contract;

• an
 assumed investment rate (AIR) of 4% per year;

• the
 deduction of a Contingent Deferred Sales Charge (may be deducted under Annuity Options E and F only); and

• the
 deduction of Premium Taxes, if applicable.

Future variable payments will depend on the performance of the Funds you elected. If the actual performance on an annualized basis exceeds the 4% assumed investment rate plus the deductions for expenses, your Annuity Payments will increase. Similarly, if the actual rate is less than 4% annualized plus the amount of the deductions, your Annuity Payments will decrease.

**Annuity Unit Values**

In order to keep track of the value of your variable Annuity Payments, we use a unit of measure called an annuity unit. The value of your annuity units will fluctuate to reflect the investment performance of the Funds you elected. We calculate the number of your annuity units at the beginning of the Income Phase. During the Income Phase, the number of annuity units will not change unless you make a transfer; make a withdrawal as permitted under certain Annuity Options; or you elect an Annuity Option with reduced payments to the survivor and those payments to the survivor commence.

**Annuity Options**

The available Annuity Options are listed in this section in the Annuity Options table. We may consent to other plans of payment in addition to those listed. After Annuity Payments begin, you cannot change the Annuity Option, the frequency of Annuity Payments, or make withdrawals, except as described under Annuity Options E and F.

**RMDs for Qualified Contracts**

In order to avoid adverse tax consequences, you should begin to take distributions from your Contract no later than the beginning date required by the IRC. These distributions can be withdrawals or Annuity Payments. The distributions should be at least equal to the minimum amount required by the IRC or paid through an Annuity Option that complies with the RMD rules of IRC Section 401(a)(9). If your Contract is an individual retirement annuity, the required beginning date is no later than April 1 of the calendar year after you reach the "applicable age" specified in IRC Section 401(a)(9)(C). If you were born after December 31, 1950 and before January 1, 1960, your applicable age is 73. If you were born after December 31, 1959, your applicable age is 75. Previously, the age at which RMDs were required to begin was 70½ for those born before July 1, 1949, and 72 for those born after June 30, 1949 and before January 1, 1951. For qualified plans and tax-sheltered annuities, if you are still working for the sponsor when you reach the specified RMD age, you may defer RMDs until the year in which you retire. The option of deferring to retirement is not available if you are a 5% or greater owner of the employer sponsoring your qualified plan.

**Limitations on Annuity Options**

If you purchased the Contract as a Qualified Contract, the RMD rules that apply to annuitized Contracts during your lifetime may impose restrictions on which Annuity Option you may elect. In addition, in order to ensure that the Contract will comply with the RMD requirements that apply upon your death, you may not elect a joint and survivor Annuity Option with a non-spouse joint Annuitant who is more than 10 years younger than you. Furthermore, if your Contract is issued under an ERISA plan, and you are married when your Contract enters the Income Phase, your ability to elect certain Annuity Options may be limited and/or require spousal consent.

**Annuity Options**

We may consent to other plans of payment in addition to those listed, including a Joint and Last Survivor Annuity with Period Certain. For Qualified Contracts, if, upon the death of the Contract Owner (Annuitant if the Contract is owned by a non-natural person), there are Annuity Payments remaining, we may shorten the remaining payment period in order to ensure that payments do not continue

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beyond the 10 year post-death distribution period provided under IRC Section 401(a)(9), or beyond the Beneficiary's life or life expectancy for certain classes of Beneficiaries, such as a spouse or an individual who is not more than 10 years younger than the decedent.

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp; **Lifetime Contingent Options** (variable and/or fixed payments) | &nbsp;&nbsp; **Lifetime Contingent Options** (variable and/or fixed payments) | &nbsp;&nbsp; **Lifetime Contingent Options** (variable and/or fixed payments) | &nbsp;&nbsp; **Lifetime Contingent Options** (variable and/or fixed payments) | &nbsp;&nbsp; **Lifetime Contingent Options** (variable and/or fixed payments) |
|  | ***Annuity Option A***<br> ***Life Income***<br> **** | ***Annuity Option B***<br> ***Life Income***<br>***with Period Certain*** | ***Annuity Option C***<br> ***Joint and Last***<br>***Survivor Annuity*** | ***Annuity Option D***<br> ***Joint and 2/3***<br>***Survivor Annuity*** |
| **Number of Annuitants** | One | One | Two | Two |
| **Length of Payment** **Period** | For as long as the Annuitant lives. | For a guaranteed period of either 5, 10 or 20 years or as long as the Annuitant lives, whichever is longer. | For as long as either Annuitant lives. | For as long as either Annuitant lives. |
| **Annuity Payments After** **Death** | None. All payments end upon the Annuitant's death. | When the Annuitant dies, if there are remaining guaranteed payments, the Beneficiary(ies) may elect to continue receiving remaining guaranteed payments or the Beneficiary(ies) may elect a lump sum payment equal to the commuted value of the remaining guaranteed Annuity Payments.<sup>(1)</sup> | 100% of the payment will continue during the lifetime of the surviving Annuitant. No payments will continue after the death of both Annuitants. | Payments will continue during the lifetime of the surviving Annuitant and will be computed on the basis of two-thirds of the Annuity Payment (or units) in effect during the joint lifetime. No payments will continue after the death of both Annuitants. |

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(1) *In the event that remaining Annuity Payments are commuted, we compute the value of the remaining guaranteed Annuity Payments at an interest rate determined* *by us.* 

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp; **Non-Lifetime Contingent Options** (variable and/or fixed payments) | &nbsp;&nbsp; **Non-Lifetime Contingent Options** (variable and/or fixed payments) | &nbsp;&nbsp; **Non-Lifetime Contingent Options** (variable and/or fixed payments) |
|  | ***Annuity Option E***<br> ***Period Certain Annuity*** | ***Annuity Option F***<br> ***Special Income Settlement Agreement*** |
| **Number of Annuitants** | One | Determined in accordance with terms agreed upon in writing by both you and us. |
| **Length of Payment** **Period** | For a specified period no less than five years and no greater than 30 years. | Determined in accordance with terms agreed upon in writing by both you and us. |
| **Withdrawal Option/** **Switch Annuity Option** | If, after you begin receiving payments, you would like to receive all or part of the commuted value of the remaining guaranteed payments under this Annuity Option at any time, you may elect to receive it in a lump sum or have it applied to another Annuity Option. If you so elect, your future payments will be adjusted accordingly.<sup>(1)</sup><sup>(2)</sup> | If we agree to pay you a variable Annuity Payment for a specified period of time under this Annuity Option, and after you begin receiving payments, you would like to receive all or part of the commuted value of the remaining guaranteed payments under this Annuity Option at any time, you may elect to receive it in a lump sum or have it applied to another Annuity Option. If you so elect, your future payments will be adjusted accordingly.<sup>(1)</sup><sup>(2)</sup> |
| **Contingent Deferred** **Sales Charge** | In most states, we will deduct a Contingent Deferred Sales Charge if you apply your Contract Value to Annuity Options E and F and the period certain is less than 10 years. If it is permitted in your state, but we do not deduct a Contingent Deferred Sales Charge at that time, we will deduct a Contingent Deferred Sales Charge if you subsequently request a commuted lump sum payment to yourself or a commuted value to apply to another Annuity Option.<sup>(1)</sup> | In most states, we will deduct a Contingent Deferred Sales Charge if you apply your Contract Value to Annuity Options E and F and the period certain is less than 10 years. If it is permitted in your state, but we do not deduct a Contingent Deferred Sales Charge at that time, we will deduct a Contingent Deferred Sales Charge if you subsequently request a commuted lump sum payment to yourself or a commuted value to apply to another Annuity Option.<sup>(1)</sup> |
| **Annuity Payments After** **Death** | When the Annuitant dies, if there are remaining guaranteed payments, the Beneficiary(ies) may elect to continue receiving remaining guaranteed payments or the Beneficiary(ies) may elect a lump sum payment equal to the commuted value of the remaining guaranteed Annuity Payments. We will not deduct a Contingent Deferred Sales Charge.<sup>(1)</sup> | When the Annuitant dies, if there are remaining guaranteed payments, the Beneficiary(ies) may elect to continue receiving remaining guaranteed payments or the Beneficiary(ies) may elect a lump sum payment equal to the commuted value of the remaining guaranteed Annuity Payments. We will not deduct a Contingent Deferred Sales Charge.<sup>(1)</sup> |

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(1) *In the event that remaining Annuity Payments are commuted, we compute the value of the remaining guaranteed Annuity Payments at an interest rate determined* *by us.* 

*(2)* *In some states, the commuted value may be subject to a  CDSC.  See "Appendix E – State Variations of Certain Contract Features."* 

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Benefits Available Under the Contract

The following table summarizes information about the benefits available under the Contract.

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp; **Benefit** | **Purpose** | **Benefit is** **Standard or** **Optional** | **Fee** | **Restrictions/Limitations** |
| &nbsp;&nbsp; **Death Benefit** | Prior to you (or the Annuitant, if the Contract Owner is a non-natural person) reaching Age 80, upon your death, we will pay your designated Beneficiaries the greater of (1) the Contract Value, less the amount attributable to any outstanding loan, determined as of the Business Day we receive both due proof of death and an election of the payment method in Good Order at our Service Center; or (2) an amount based on your Purchase Payments adjusted for any withdrawals, less the amount attributable to any outstanding loan and any applicable charges.<br> After you (or the Annuitant, if the Contract Owner is a non-natural person) reach Age 80, upon your death, we will pay your designated Beneficiaries the Contract Value, less the amount attributable to any outstanding loan, determined as of the Business Day we receive both due proof of death and an election of the payment method in Good Order at our Service Center. | Standard |  | &nbsp;&nbsp;&nbsp;&nbsp; •  This benefit terminates upon a full withdrawal or annuitization of the Contract Value.<br> •  For Contracts issued before October 1, 2003 or in states where the post-October 1, 2003 Contract was still subject to state approval and implementation, Purchase Payments are less any withdrawals rather than adjusted for any withdrawals. See "Death Benefit – Adjusted for Any Withdrawals or Less Any Withdrawals."<br> •  For Contracts issued on or after October 1, 2003, withdrawals result in a pro-rata adjustment to the death benefit amount, so the death benefit amount may be reduced by more than the actual dollar amount of the withdrawals. |
| &nbsp;&nbsp; **Automatic Rebalancing** **Program** | Automatically rebalances the Sub-Accounts you select to maintain your original percentage allocation of Contract Value. | Optional |  | &nbsp;&nbsp;&nbsp;&nbsp; •  Cannot use if the Dollar Cost Averaging Program or Interest Sweep Option are in effect. |
| &nbsp;&nbsp; **Dollar Cost Averaging** **Program** | Automatically transfers a specific amount of Contract Value from a Sub-Account to other Sub-Accounts you have selected, at set intervals. | Optional |  | &nbsp;&nbsp;&nbsp;&nbsp; •  Cannot use if the Automatic Rebalancing Program or Interest Sweep Option are in effect. |
| &nbsp;&nbsp; **Systematic Withdrawal** **Program** | Automatically withdraws a specific amount of Contract Value proportionally from all investment options you have selected. | Optional |  | &nbsp;&nbsp;&nbsp;&nbsp; •  In order to participate in this program:<br>(1) there must be at least $25,000 in<br> Contract Value, and<br>(2) the minimum withdrawal amount<br> must be $100. |
| &nbsp;&nbsp; **Interest Sweep Option** | Automatically transfers earnings from your Contract Value in The Fixed Account to any one Sub-Account or combination of Sub-Accounts you select. | Optional |  | &nbsp;&nbsp;&nbsp;&nbsp; •  In order to participate in this program there must be at least $5,000 in Contract Value.<br> •  Cannot use if the Automatic Rebalancing Program or Dollar Cost Averaging Program are in effect. |

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp; **Benefit** | **Purpose** | **Benefit is** **Standard or** **Optional** | **Fee** | **Restrictions/Limitations**  |
| &nbsp;&nbsp; **Terminal Illness Benefit** | Allows payment of death benefit if diagnosed with a terminal illness or condition. | Optional |  | &nbsp;&nbsp;&nbsp;&nbsp; •  We require proof that you are terminally ill, including, but not limited to, certification by a state licensed medical practitioner.<br> •  Payment of the Terminal Illness Benefit will terminate the Contract.<br> •  May not be available in all states. See "Appendix E – State Variations of Certain Contract Features." |
| &nbsp;&nbsp; **Right to Take Loans** | If your Contract is a tax-sheltered annuity, you may be able to take a loan. | Standard | No current charge, but we reserve the right to deduct a $35 loan origination fee. | &nbsp;&nbsp;&nbsp;&nbsp; •  A portion of your Contract Value equal to the loan amount is held in the loaned portion of The Fixed Account.<br> •  We charge daily interest on any outstanding loan at an effective annual interest rate.<br> •  Interest on outstanding loans is due and payable quarterly.<br> •  If a required loan repayment is not paid in full within 90 days after its due date, the total existing loan balance will be in default and will be considered a taxable distribution. |

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Some of the benefits identified in the Benefits Available Under the Contract table are described in more detail following the table and other benefits are disclosed in more detail in other sections of the prospectus.

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Death Benefit

**Death of Contract Owner During the Accumulation Phase**

If you die during the Accumulation Phase, we will pay a death benefit to the primary Beneficiary. We will treat any other Beneficiary designation, on record at the time of death as a contingent Beneficiary.

The Beneficiary may request that the death benefit be paid under one of the death benefit options.

**Death Benefit During the Accumulation Phase**

The death benefit paid will be the amount calculated (and adjusted for any applicable charges) as of the Business Day we receive due proof of death and election of the payment method in Good Order at our Service Center. From the time the death benefit is determined until complete distribution is made, any amount in a Sub-Account will be subject to investment risk. As a result, the death benefit amount may increase or decrease over time. The risk is borne by the Beneficiary(ies).

Before you (or the Annuitant, if the Contract Owner is a non-natural person) reach Age 80, the death benefit will be the greater of:

• your
 Contract Value, less the amount attributable to any outstanding loan; or

• your
 Purchase Payments, adjusted for any withdrawals, less the amount attributable to any outstanding loan, and less any applicable
 charges.

For Contracts issued before October 1, 2003 or in states where the post-October 1, 2003 Contract was still subject to state approval and implementation, the words "adjusted for any withdrawals" are replaced with the words "less any withdrawals." See the section below entitled "Adjusted for Any Withdrawals or Less Any Withdrawals."

**After you reach Age 80, the death benefit during the accumulation period will be your Contract Value, less the amount** **attributable to any outstanding loan, as of the Business Day we receive, in Good Order, proof of death at our Service Center** **and election by the Beneficiary to receive the death benefit payment under one of the death benefit options provided by the** **Contract.**

See "Appendix D – Death Benefit Examples."

**Adjusted for Any Withdrawals or Less Any Withdrawals**

In this prospectus we describe the formulas we use to determine death benefit amounts. In some formulas we use the language "adjusted for any withdrawals" and in other formulas we use the language "less any withdrawals." These phrases have different meanings.

**Adjusted for Any Withdrawals**

If you take a withdrawal, we adjust your death benefit by using the percentage of Contract Value withdrawn to lower the death benefit by the same percentage. We use the phrase "adjusted for any withdrawals" to describe this treatment of withdrawals within our formulas. Because this adjustment uses the percent of Contract Value withdrawn, the death benefit may be reduced by more than the actual dollar amount of the withdrawal. The reduction will be greater when the value of your Contract investment options is lower due to market performance or other variables.

**Less Any Withdrawals**

If you take a withdrawal, we lower your death benefit by subtracting the dollar amount of the withdrawal. We use the phrase "less any withdrawals" to describe this treatment of withdrawals within our formulas.

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**Death Benefit Payment Options During the Accumulation Phase**

The availability of certain death benefit options may be limited in order to comply with RMD rules.

A Beneficiary must elect to receive the death benefit under one of the following options in the event that a death benefit becomes payable during the Accumulation Phase:

• **Option 1** – Lump
 sum payment of the death benefit by the end of the calendar year that contains the tenth anniversary of your
 death (fifth anniversary of your death if you do not have a designated Beneficiary as defined for purposes of IRC Section
 401(a)(9), including where your Beneficiary is your estate or certain trusts). If you die after reaching the age at which
 RMDs must begin, your beneficiary may not elect to defer payment of the lump sum beyond the end of the calendar year
 after the year of your death.

• **Option 2** – If
 the Beneficiary is your surviving spouse, or is not more than 10 years younger than you, payment of the death benefit
 under an Annuity Option over the lifetime of the Beneficiary or over a period not extending beyond the life expectancy
 of the Beneficiary. Distribution must generally begin by the end of the calendar year following the year of your death.

**Additional Option for a Spouse Who is the Sole Primary Beneficiary**

In addition to options 1 and 2, a surviving spouse who is the sole primary Beneficiary under a Contract has the following options, based on Contract type:

**Tax-Sheltered Annuity**

If your Contract is a tax-sheltered annuity and your spouse is the sole primary Beneficiary, then the surviving spouse may elect to roll-over a lump sum payment of the death benefit into an eligible retirement plan. If the Contract Owner had not yet begun taking RMDs at the time of death, the spouse may be able to defer the timing of any required distributions under the Contract. You should consult your tax adviser about your own circumstances.

**Individual Retirement Annuity**

If your Contract is an individual retirement annuity and your spouse is the sole primary Beneficiary, then the surviving spouse may elect:

• to
 roll-over the death benefit to an eligible retirement plan; or

• to
 continue the Contract as an IRA in his or her own name at the death benefit amount payable and exercise all of the Contract
 Owner's rights under the Contract.

If at the time the Contract Owner purchased the Contract the surviving spouse was over the maximum Contract issue Age, then the Contract cannot be continued. An election to continue the Contract can only be made once while the Contract is in effect.

These options are not available to a domestic partner or civil union partner. See "Taxes – Civil Unions and Domestic Partnerships" if you are in a domestic partnership or civil union.

**Lump Sum Payment**

If a lump sum payment is requested, we will pay the amount within seven calendar days after we receive due proof of death and election of the payment method in Good Order at our Service Center, unless we are required to suspend or delay payment.

**Beneficiary IRA**

Beneficiary, Inherited, Legacy or "Stretch" IRAs are all terms used to describe an IRA that is used exclusively to distribute death proceeds of an IRA or other qualified investment to the beneficiary over that beneficiary's life expectancy in order to meet the Required Minimum Distribution (RMD) rules. Upon the contract owner's death under an IRA or other qualified contract, an "Eligible Designated Beneficiary" may generally establish a Beneficiary IRA by either purchasing a new annuity contract or, in some

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circumstances, by electing the Beneficiary IRA payout option under the current contract. Until withdrawn, amounts in a Beneficiary IRA continue to be tax-deferred. Amounts withdrawn each year, including amounts that are required to be withdrawn under the RMD rules, are subject to tax.

If the contract owner died on or before December 31, 2019 (on or before December 31, 2021 for participants of a governmental plan or a plan maintained pursuant to a collective bargaining agreement), an individual designated beneficiary, and certain trusts as beneficiary, are treated as Eligible Designated Beneficiaries, and can elect to take distributions over their life expectancy (life expectancy of the oldest trust beneficiary).

However, if the contract owner dies on or after January 1, 2020 (on or after January 1, 2022 for participants of a governmental plan or a plan maintained pursuant to a collective bargaining agreement), only certain designated beneficiaries are treated as Eligible Designated Beneficiaries, and we will only offer the Beneficiary IRA payout option to a designated beneficiary who either (1) is the surviving spouse of the deceased qualified plan participant or IRA owner or, (2) is not more than 10 years younger than the deceased qualified plan participant or IRA owner. In the future, we may allow additional classes of Eligible Designated Beneficiaries to elect the Beneficiary IRA payout option.

See "Taxes – Required Minimum Distributions for Qualified Contracts" for more information.

Eligibility Requirements/Restrictions:

If a Beneficiary(ies) elects to establish a Beneficiary IRA after the death of the Owner, or if a Contract was issued as a Beneficiary IRA, the following rules apply:

• For
 a contract with a single Beneficiary, the Beneficiary will have the option of electing a Beneficiary IRA  payout option under
 the Contract. Should the Beneficiary decide to elect the Beneficiary IRA payout option under the current Contract, any withdrawals
 in excess of the RMD will not be subject to a CDSC.

• For
 a contract with multiple Beneficiaries, a Beneficiary IRA payout option is not available under the Contract. However, a Beneficiary
 wishing to establish a Beneficiary IRA may elect a direct transfer of the lump sum death benefit to a Beneficiary IRA
 established for their benefit.

• If
 a contract was issued as a Beneficiary IRA, any withdrawals under a new Beneficiary IRA Contract in excess of the  RMD may
 be subject to a CDSC as indicated by the terms of the Contract purchased.

• The
 source of funds to be invested must be from a traditional IRA, SEP IRA, SIMPLE IRA, Beneficiary IRA, TSA, 401(a) or
 a Qualified Employee Plan (includes Pension Plan, Money Purchase Pension Plan, Profit Sharing Plan, Keogh (HR10), Target
 Benefit Plan).

• The
 annuity contract will be titled in the Beneficiary's name as Beneficiary for the deceased owner. The Beneficiary must be the
 Annuitant, and the Annuitant cannot be changed.

• For
 non-spousal Beneficiary IRAs, RMDs must begin by December 31st of the year following the year of the date of the owner's
 death. For spousal Beneficiary IRAs, RMDs may be deferred until the year for which the original owner would have been
 required to begin RMDs. The RMD amount will generally be calculated based on the Beneficiary's life expectancy and will
 be withdrawn from each investment option in the ratio that your value in each bears to your Contract Value. If the original
 owner died after RMDs were required to begin, and was younger than the Beneficiary, the RMD amount may be calculated
 based on the original owner's life expectancy in the year of his or her death. If there is a Beneficiary IRA previously
 established with another carrier and an RMD is required in the current calendar year, we will process the RMD. If however,
 an RMD is not required in the current calendar year, an RMD will not be processed until the year it is required.

• The
 Contract Value at time the Beneficiary IRA is established will be equal to either the death benefit that would have been payable
 to the Beneficiary if a lump sum distribution had been elected, or, if a Contract is issued as a Beneficiary IRA, the amount
 transferred to the Contract.

• Additional
 contributions cannot be applied to the Beneficiary IRA.

• If
 a beneficiary elects the Beneficiary IRA payout option under a Contract, upon the death of the Annuitant of the Beneficiary
 IRA, any remaining Contract Value will be paid the the succeeding Beneficiary in a lump sum or over the Annuitant's
 remaining life expectancy as determined under the applicable IRS table, but in no case may payments extend beyond
 the end of the calendar year that contains the tenth anniversary of the Annuitant's death.

• If
 a contract was issued as a Beneficiary IRA, upon the death of the Annuitant of the Beneficiary IRA, a death benefit, under the
 terms of the Contract, will be paid to the succeeding Beneficiary in a lump sum or over the Annuitant's remaining life

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expectancy as determined by the applicable IRS table, but in no case may payments extend beyond the end of the calendar year that contains the tenth anniversary of the Annuitant's death.

• If
 the original owner died before January 1, 2020 (before January 1, 2022 for participants of a governmental plan or a plan maintained
 pursuant to a collective bargaining agreement) and the Beneficiary is a trust, a Beneficiary IRA may only be established
 if the trust qualifies as a "see-through" trust. For see-through trusts, Required Minimum Distributions must be calculated
 based upon the life expectancy of the oldest trust beneficiary and the oldest trust beneficiary must be the Annuitant.
 In order to be a see-through trust, the trust must be valid under state law and be irrevocable, and all beneficiaries, current
 and future, must be identifiable from the trust instrument. If any beneficiary of the trust is not an individual, the trust is
 not a see-through trust and cannot establish a Beneficiary IRA. If the original owner died after December 31, 2019 (after December
 31, 2021 for participants of a governmental plan or a plan maintained pursuant to a collective bargaining agreement),
 we will not offer a Beneficiary IRA to a trust.

• Additional
 rules may apply. Please consult your registered representative for further information.

• We
 have the right to modify, suspend or terminate the Beneficiary IRA program at any time without prior notification.

• A
 Beneficiary IRA may only be established by the Beneficiary of the IRA owner/qualified plan participant whose death triggered
 the RMD requirements of IRC Section 401(a)(9). A Beneficiary IRA may not be established as a "second generation"
 Beneficiary IRA by a successor Beneficiary.

• Joint
 Ownership of a Beneficiary IRA is not allowed.

**Beneficiaries should consult a qualified tax adviser for advice prior to establishing a Beneficiary IRA.**

**Death of Contract Owner During the Income Phase**

If you die during the Income Phase, the primary Beneficiary becomes the Contract Owner. Additionally, we will pay the remaining payments under the Annuity Option elected at least as rapidly as under the method of distribution in effect at the time of your death. The Beneficiary(ies) may be required to receive an adjusted payment stream in order to comply with Required Minimum Distribution rules that apply upon the Contract Owner/Annuitant's death. If the Beneficiary is not an "Eligible Designated Beneficiary" as defined by IRC Section 401(a)(9), Annuity Payments may only continue through the end of the calendar year that contains the tenth anniversary of the Contract Owner/Annuitant's death, even if a longer Annuity Payment option was elected, including a Joint and Last Survivor Annuity Option where the joint Annuitant is still living.

**Death of Annuitant**

During the Accumulation Phase, if the Contract Owner is a non-natural person and an Annuitant dies, you may not name a new Annuitant. In this case we will treat the death of the Annuitant as the death of the Contract Owner and pay the death benefit as described in "Death Benefit – Death of Contract Owner During the Accumulation Phase."

Upon the death of the last surviving Annuitant on or after the Annuity Date, the death benefit, if any, is as specified in the Annuity Option elected. Upon the death of the last surviving Annuitant during the Annuity Phase, any remaining payment under the elected Annuity Option will be paid to the Beneficiary. The Beneficiary(ies) may be required to receive an adjusted payment stream in order to comply with RMD rules that apply upon the Contract Owner/Annuitant's death. If the Beneficiary is not an "Eligible Designated Beneficiary" as defined by IRC Section 401(a)(9), Annuity Payments may only continue through the end of the calendar year that contains the tenth anniversary of the Contract Owner/Annuitant's death, even if a longer Annuity Payment option was elected, including a Joint and Last Survivor Annuity Option where the joint Annuitant is still living.

**Due Proof of Death**

For purposes of determining due proof of death, we require:

• a
 certified death certificate; or

• a
 certified decree of a court of competent jurisdiction as to the finding of death; or

• any
 other proof satisfactory to us.

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Additional Benefits

**Right to Take Loans**

In some states, if your Contract is a tax-sheltered annuity, you may be able to take a loan under your Contract. However, if the Contract is a governmental 457(b) deferred compensation contract or an individual retirement annuity, you may not take a loan under the Contract. Any permissible loans must conform to the requirements of the Internal Revenue Code and your specific plan. If you are impacted by a federally declared disaster, you may qualify for increased loan limits and/or repayment deferral. You must request a loan by mailing, faxing, or emailing all required forms in Good Order to our Service Center.

You are required to repay your loan according to the loan repayment schedule. Loan repayments (including interest due) must be sent to our Service Center and are credited as of the Business Day received. Loan repayments are due quarterly; however, you may make additional repayments. The first repayment will be due three months after the loan was issued. Any repayment will be applied first to the interest accrued to the date your repayment is received, and then to the loan principal. Loan repayments made in addition to regularly scheduled quarterly repayments will be applied to loan principal only and will not change the due dates or amounts of subsequent quarterly payments, but will shorten the term of the loan.

If you request a loan, we will deduct your requested loan amount from your investment option(s) in proportion to the non-loaned value of each on the date of your loan request. As long as your loan is outstanding, a portion of your Contract Value equal to the loan amount is held in the loaned portion of The Fixed Account. On each Contract Anniversary while a loan is outstanding, an amount of Contract Value equal to any due and unpaid loan interest is also transferred to the loaned portion of The Fixed Account. Upon each loan repayment, we will transfer value equal to the repayment amount from the loaned portion of The Fixed Account to your investment option(s) based upon your current Purchase Payment allocation.

We charge interest daily on any outstanding loan at an effective annual interest rate. Interest is due and payable quarterly (based on the date the loan was taken). We also credit interest on the loan amount held in the loaned portion of The Fixed Account. The difference between the rate of interest we charge on the loan amount and the rate we credit on the loan amount is the net cost of the loan, which will not exceed 4%.

If a required loan repayment is not paid in full within 90 days after its due date, the total existing loan balance will be determined to be in default. If you default, the outstanding debt will be considered a taxable distribution and we will do appropriate tax reporting. We will withdraw sufficient Contract Value to repay the debt to the extent such withdrawals are not restricted under the Internal Revenue Code. If we cannot make such withdrawals because they are restricted under the Internal Revenue Code, the loan will remain outstanding and continue to accrue interest until it is satisfied.

If you own a Contract with an outstanding loan and are taking an eligible distribution of your entire Contract Value, we will deduct any outstanding Contract Debt from the amount you withdraw. If you make a partial withdrawal, the Contract Value remaining after the withdrawal must not be less than:

• the
 amount of any loan outstanding; plus

• interest
 on the loan for 12 months based on the loan interest rate then in effect; plus

• any
 Contingent Deferred Sales Charge that would apply to such an amount otherwise withdrawn.

Amounts held in The Fixed Account equal to the amount of any outstanding loan are not available for withdrawal or transfer. If you do not repay the loan, we will deduct the loan amount from your withdrawal or death benefit.

You may not begin receiving Annuity Payments if you have an outstanding loan balance. If you reach your Annuity Date and have an outstanding loan balance, we will withdraw sufficient Contract Value to repay the debt and apply any remaining Contract Value to your Annuity Option.

The maximum number of loans we permit you to take at any one time is three. However, you may not take more than two loans in any calendar year.

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Currently, we do not deduct a charge from your Contract if you take a loan under your Contract. However, we reserve the right to deduct a charge not to exceed $35 from your Contract Value as a loan origination fee should it become necessary for us to seek reimbursement for expenses related to the administration of Contract loans.

A loan, whether or not repaid, may have a permanent effect on the death benefit and Contract Value because the investment results of the Funds and current interest rates credited to the non-loaned portion of The Fixed Account do not apply to amounts held in the loaned portion of The Fixed Account. Depending on the investment results of the Funds or credited interest rates for the non-loaned portion of The Fixed Account while the loan is outstanding, the effect could be favorable or unfavorable.

**Terminal Illness Benefit**

With this benefit, you may elect to receive payment under your Terminal Illness Benefit if we receive a Written Request in Good Order at our Service Center that you (or an Annuitant, if the Owner is a non-natural person) have met the following conditions:

• We
 will require proof that you (or an Annuitant, if the Owner is a non-natural person) are terminally ill and not expected to live
 more than twelve months.

• This
 proof will include, but is not limited to, certification by a state licensed medical practitioner performing within the scope
 of his/her license. The state licensed medical practitioner must not be you or your parent, sibling, spouse or child (or an
 Annuitant or an Annuitant's parent, sibling, spouse or child if the Owner is a non-natural person).

We will determine the amount of payment when we receive your Written Request. The Terminal Illness Benefit will equal the death benefit we would pay out on your Contract. See the "Death Benefit" section.

Payment of the Terminal Illness Benefit will terminate the Contract. There is no charge for the Terminal Illness Benefit. The Terminal Illness Benefit may not be available in all states. See "Appendix E – State Variations of Certain Contract Features." Please contact your registered representative or call the Service Center for more information.

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Withdrawals

*Your ability to take a withdrawal may be restricted by certain provisions of the Internal Revenue Code. Furthermore, if your Contract is issued under a qualified plan, your ability to take a withdrawal may be restricted by your plan documents. Income taxes, tax penalties, CDSC and certain restrictions may apply to any withdrawal you make.*

During the Accumulation Phase you may make either partial or full withdrawals of your Contract Value. When a partial withdrawal is made from a Contract, we reflect the withdrawal as a reduction to the value of the Contract's death benefit. We describe this reduction in the "Death Benefit" section. If we reflect the reduction as a percentage of Contract Value withdrawn, the benefit may be reduced by more than the actual dollar amount of the withdrawal. The reduction will be greater when the value of your Contract investment options is lower due to market performance or other variables. If you withdraw your full Contract Value, the Contract terminates and does not provide a death benefit.

We will take any partial withdrawal proportionally from your Contract Value in the Funds and the non-loaned portion of The Fixed Account unless we are instructed otherwise. When making a partial withdrawal, you must withdraw at least $100 or the entire value in a Fund or the non-loaned portion of The Fixed Account, if less. We require that after you make a partial withdrawal you keep at least $600 in the Contract, unless your partial withdrawal is an RMD or is made under a SWP intended to qualify as a series of substantially equal periodic payments for purposes of avoiding the additional 10% tax applicable to distributions that occur prior to age 59½. We have reserved the right to treat a request for a partial withdrawal that would result in Contract Value of less than $600 as a request for a total withdrawal of Contract Value. Partial withdrawals may be subject to a Contingent Deferred Sales Charge.

When you make a full withdrawal you will receive your Contract Value:

• less
 any applicable CDSC;

• less
 any applicable Premium Tax;

• less
 the amount attributable to any outstanding loan; and

• less
 any Purchase Payments we credited to your Contract that have not cleared the bank, until they clear the bank.

See "Appendix C – Contingent Deferred Sales Charge (CDSC) Example."

**Requests in Writing**

To request a withdrawal in writing, submit either a partial withdrawal or full withdrawal form in Good Order to our Service Center. If your withdrawal involves an exchange or transfer of assets to another financial institution, we also require a "letter of acceptance" from the financial institution.

**Requests by Other Means**

You may request certain partial and full withdrawals by other means we authorize such as email, telephone, or fax. Contact our Service Center for details.

**Withdrawal Effective Date**

For Written Requests, your withdrawal is effective on the Business Day we receive, in Good Order at our Service Center:

• a
 partial withdrawal or full withdrawal form acceptable to us; and

• if
 applicable, a "letter of acceptance."

If we receive this/these item(s) at our Service Center on a Non-Business Day or after the Close of Business, your withdrawal request will be effective on the next Business Day. For email, telephone or fax requests, your withdrawal is effective on the Business Day we receive your request in Good Order, provided it is received prior to the Close of Business. For requests received after the Close of Business, your withdrawal will be effective on the next Business Day.

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**Delivery of Withdrawal Amount**

We will pay any withdrawal amount within seven calendar days of the withdrawal effective date unless we are required to suspend or postpone withdrawal payments. See "Other Information – Payments We Make."

**Systematic Withdrawal Program**

*For detailed rules and restrictions pertaining to this program and instructions for electing the program contact our Service Center.*

The Systematic Withdrawal Program (SWP) allows you to set up automatic periodic withdrawals from your Contract Value. We do not charge you for participation in the SWP. We will take any withdrawal under this program proportionally from your Contract Value in your selected investment options unless we are instructed otherwise.

Your SWP will end:

• if
 you withdraw your total Contract Value;

• if
 we receive, in Good Order, a notification of the Contract Owner's death;

• if
 we receive, in Good Order, a notification of the Annuitant's death if the Contract Owner is a non-natural person;

• if
 we process the last withdrawal for the period you selected, if applicable;

• if
 the next withdrawal will lower your Contract Value below the minimum Contract Value we allow following a partial withdrawal,
 unless your withdrawal is an RMD or is made under a SWP intended to qualify as a series of substantially equal periodic
 payments for purposes of avoiding the additional 10% tax applicable to distributions that occur prior to age 59½;

• if
 your value in a selected Fund or The Fixed Account is insufficient to complete the withdrawal;

• if
 you begin receiving Annuity Payments; or

• if
 you give us a Written Request or request over the telephone, in Good Order, to terminate the program any time before or on
 the next withdrawal date. If your Contract is a Beneficiary IRA, your SWP cannot be terminated.

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Taxes

The information in this prospectus is general and is not an exhaustive discussion of all tax questions that might arise under the Contract. The information is not written or intended as tax or legal advice. You should consult a tax adviser about your own circumstances. In addition, we do not profess to know the likelihood that current federal income tax laws and Treasury Regulations or the current interpretations of the Internal Revenue Code, Regulations, and other guidance will continue. We cannot make any guarantee regarding the future tax treatment of any contract. We reserve the right to make changes in the Contract to assure that it continues to qualify as an annuity for tax purposes.

No attempt is made in this prospectus to consider any applicable state or other tax laws.

**Taxation of the Company**

C.M. Life is taxed as a life insurance company under the Internal Revenue Code of 1986, as amended (IRC). For federal income tax purposes, the Separate Account is not a separate entity from C.M. Life, and its operations form a part of C.M. Life.

Investment income and any realized gains on Separate Account assets generally are reflected in the Contract Value, although treated as accruing to the Company and not to you. As a result, no taxes are due currently on interest, dividends and short or long-term gains earned by the Separate Account with respect to your Contract. The Company may be entitled to certain tax benefits related to the investment of Company assets, including assets of the Separate Account. These tax benefits, which may include foreign tax credits and the corporate dividends received deduction, are not passed back to you since the Company is the owner of the assets from which the tax benefits are derived.

**Annuities in General**

Annuity contracts are a means of both setting aside money for future needs – usually retirement – and for providing a mechanism to administer the payout of those funds. Congress recognized how important providing for retirement was and created special rules in the IRC for annuities. Simply stated, these rules provide that you will generally not be taxed on the earnings on the money held in your annuity contract until you take the money out. This is referred to as tax deferral.

**Diversification**

IRC Section 817(h) imposes certain diversification standards on the underlying assets of variable annuity contracts. The IRC provides that a variable annuity contract will not be treated as an annuity contract for any period (and any subsequent period) for which the investments are not, in accordance with regulations prescribed by the United States Treasury Department, adequately diversified. Disqualification of the Contract as an annuity contract would result in a loss of tax deferral, meaning the imposition of federal income tax to the owner with respect to earnings under the Contract prior to the receipt of payments under the Contract. We intend that all investment portfolios underlying the Contracts will be managed in such a manner as to comply with these diversification requirements.

**Investor Control of Assets**

For variable annuity contracts, tax deferral also depends on the insurance company, and not you, having control of the assets held in the Separate Accounts. You can transfer among the Sub-Accounts but cannot direct the investments each underlying Fund makes. If you have too much investor control of the assets supporting the Separate Account Funds, then you will be taxed on the gain in the contract as it is earned rather than when it is withdrawn. The IRS has provided some guidance on investor control by issuing Revenue Rulings 2003-91 and 2003-92, but some issues remain unclear. One unanswered question is whether an Owner will be deemed to own the assets in the contract if a variable contract offers too large a choice of Funds in which to invest, and if so, what that number might be. We do not know if the IRS will issue any further guidance on this question. We do not know if any guidance would have a retroactive effect. Consequently, we reserve the right to modify the contract, as necessary, so that you will not be treated as having investor control of the assets held under the Separate Account.

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**Qualified Contracts**

Your Contract is referred to as a Qualified Contract if it is used to fund a qualified plan such as an Individual Retirement Annuity (IRA), Roth IRA, tax-sheltered annuity plan (TSA or TSA plan), corporate pension and profit-sharing plan (including 401(k) plans and H.R. 10 plans), or a governmental 457(b) deferred compensation plan. Qualified plans are subject to various limitations on eligibility, contributions, transferability and distributions based on the type of plan. The tax rules regarding qualified plans are very complex and will have differing applications depending on individual facts and circumstances. You should consult a tax adviser as to the tax treatment and suitability of such an investment.

Taxation of participants in each qualified plan varies with the type of plan and terms and conditions of each specific plan. Owners, annuitants and beneficiaries are cautioned that benefits under a qualified plan may be subject to the terms and conditions of the plan regardless of the terms and conditions of the contracts issued pursuant to the plan. Some retirement plans are subject to distribution and other requirements that are not incorporated into our administrative procedures. Owners, participants and beneficiaries are responsible for determining that contributions, distributions and other transactions with respect to the contracts comply with applicable law.

Contracts issued under a qualified plan include special provisions restricting contract provisions that may otherwise be available as described in this prospectus. Generally, contracts issued under a qualified plan are not transferable. Various penalty and excise taxes may apply to contributions or distributions made in violation of applicable limitations.

Furthermore, certain withdrawal penalties and restrictions may apply to distributions from Qualified Contracts. See "Taxes – Taxation of Qualified Contracts."

Eligible rollover distributions from an IRA, TSA, qualified plan or governmental 457(b) deferred compensation plan may generally be rolled over into another IRA, TSA, qualified plan or governmental 457(b) deferred compensation plan, if permitted by the plan. These amounts may be transferred directly from one qualified plan or account to another, or as an indirect rollover, in which the plan participant receives a distribution from the qualified plan or account, and reinvests it in the receiving qualified plan or account within 60 days of receiving the distribution.

IRC Section 408(d)(3)(B) provides that an individual is only permitted to make one indirect rollover from an IRA to another IRA in any 1-year period. The IRS previously applied this limitation on an IRA-by-IRA basis, allowing a taxpayer to make an indirect rollover from an IRA, so long as he or she had not made an indirect rollover from that same IRA within the preceding 1-year period, even if he or she had made indirect rollovers from a different IRA. Effective for distributions on or after January 1, 2015, the limitation applies on an aggregate basis, meaning that an individual cannot make an indirect rollover from one IRA to another if he or she has made an indirect rollover involving any IRA (including a Roth, SEP, or SIMPLE IRA) within one year. It is important to note that the one rollover per year limitation does not apply to amounts transferred directly between IRAs in a trustee-to-trustee transfer.

On July 6, 1983, the Supreme Court decided in Arizona Governing Committee v. Norris that optional annuity benefits provided under an employer's deferred compensation plan could not, under Title VII of the Civil Rights Act of 1964, vary between men and women. The Contracts we sell in connection with employer-sponsored qualified plans use annuity tables which do not differentiate on the basis of sex. Such annuity tables are also available for use in connection with certain non-qualified deferred compensation plans.

Following are general descriptions of the types of qualified plans with which the Contracts may be used. Such descriptions are not exhaustive and are for general informational purposes only. The tax rules regarding qualified plans are very complex and will have differing applications depending on individual facts and circumstances. You should consult a tax adviser as to the tax treatment and suitability of your investment. The contribution limits referenced in the plan descriptions below are the limits for 2026, and may change in subsequent years.

**Individual Retirement Annuities**

IRC Section 408(b) permits eligible individuals to contribute to an individual retirement program known as an Individual Retirement Annuity (IRA). IRAs are subject to limitations on eligibility, contributions, transferability and distributions. See "Taxes – Taxation of Qualified Contracts." IRA contributions are limited to the lesser of $7,500 or 100% of compensation, and an additional catch-up contribution of $1,100 is available for individuals age 50 and over. Contributions are deductible, unless you are an active participant in a qualified plan and your modified adjusted gross income exceeds certain limits. Contracts issued for use with IRAs are subject to

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special requirements by the IRC, including the requirement that certain informational disclosure be given to persons desiring to establish an IRA. You should consult a tax adviser as to the tax treatment and suitability of such an investment.

**Tax-Sheltered Annuities**

IRC Section 403(b) permits certain eligible employers to purchase annuity contracts, known as Tax-Sheltered Annuities (TSAs), under a section 403(b) program. Eligible employers are organizations that are exempt from tax under IRC Section 501(c)(3) and public educational organizations. Contributions made to a TSA and the earnings on those contributions are generally not included in gross income of the employee until distributed from the plan. TSAs are subject to limitations on contributions, which may be made as "elective deferrals" (contributions made pursuant to a salary reduction agreement) or as non-elective or matching contributions by an employer. In general, annual contributions made by an employer and employee to a TSA may not exceed the lesser of:

• $72,000;
 or

• 100%
 of includible compensation (a maximum of $360,000 of includible compensation may be considered).

An employee's elective salary reduction contributions are limited to $24,500, with an additional catch up of up to $8,000 available for eligible plan participants age 50 or over. This catch-up contribution may be increased to $11,250 for those ages 60–63. Certain catch-up contributions may also be made by those with 15 or more years of service with the same employer. TSAs are subject to additional restrictions, including on such items as: the form, manner and timing of distributions; transferability of benefits; vesting and nonforfeitability of interests; nondiscrimination in eligibility and participation; and the tax treatment of distributions and withdrawals. See "Taxes – Tax-Sheltered Annuities Taxation and Withdrawal Restrictions." You should consult a tax adviser as to the tax treatment and suitability of such an investment.

**Governmental 457(b) Deferred Compensation Plans**

Employees of (and independent contractors who perform services for) certain state and local governmental units, or certain tax-exempt employers, may participate in an IRC Section 457(b) plan of the employer, allowing them to defer part of their salary or other compensation. Contributions made to an IRC Section 457(b) plan and the earnings on those contributions are generally not included in gross income of the employee until distributed from the plan. IRC Section 457(b) deferrals are limited to the lesser of:

• $24,500;
 or

• 100%
 of includible compensation.

In addition, catch-up contributions of up to $8,000 may be made by eligible plan participants age 50 or over. This catch-up contribution may be increased to $11,250 for those ages 60–63. Certain catch-up contributions may also be available for those within three years of normal retirement age under the plan. The Contract purchased is issued to the employer or trustee, as applicable. All Contract Value in a governmental 457(b) deferred compensation plan must be held for the exclusive benefit of the employee, and such plans are subject to limitations on distributions. See "Taxes – Withdrawal Restrictions – Governmental 457(b) Deferred Compensation Contract." You should consult a tax adviser as to the tax treatment and suitability of such an investment.

**Taxation of Qualified Contracts**

If you have no cost basis for your interest in a Qualified Contract, the full amount of any distribution is taxable to you as ordinary income. If you do have a cost basis for all or some of your interest, a portion of the distribution is taxable, generally based on the ratio of your cost basis to your total Contract Value. Special tax rules may be available for certain distributions from a qualified plan.

IRC Section 72(t) imposes a 10% additional income tax on the taxable portion of any distribution from qualified plans, including Contracts issued and qualified under IRC Sections 401 (pension and profit-sharing plans), 403 (TSAs), 408 (IRAs), and 408A (Roth IRAs). Exceptions from the additional tax are as follows:

(1) distributions
 made on or after you reach age 59½;

(2) distributions
 made after your death;

(3) distributions
 made that are attributable to the employee being disabled as defined in IRC Section 72(m)(7);

(4) after
 severance from employment, distributions that are part of a series of substantially equal periodic payments made not less
 frequently than annually for your life (or life expectancy) or the joint lives (or joint life expectancies) of you and your designated
 Beneficiary (in applying this exception to distributions from IRAs, a severance of employment is not required).

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Annuity Payments may qualify for this exception if they satisfy the RMD rules applicable to Annuity Payments from qualified plans and IRAs;

(5) distributions
 made after severance from employment if you have reached age 55, or after you have reached age 50 or 25 years
 of service for qualified public safety employees and private sector firefighters (not applicable to distributions from IRAs);

(6) corrective
 distributions of amounts that exceed tax law limitations;

(7) distributions
 made to you up to the amount allowable as a deduction to you under IRC Section 213 for amounts you paid during
 the taxable year for medical care (without regard to whether you itemize deductions for the taxable year);

(8) distributions
 made on account of an IRS levy made on a qualified retirement plan or IRA;

(9) distributions
 made to an alternate payee pursuant to a qualified domestic relations order (not applicable to distributions from IRAs);

(10) distributions
 from an IRA for the purchase of medical insurance (as described in IRC Section 213(d)(1)(D)) for you and your spouse
 and dependents if you received unemployment compensation for at least 12 weeks (or would have been eligible to receive
 unemployment compensation but for self-employed status) and have not been re-employed for at least 60 days;

(11) certain
 qualified reservist distributions;

(12) distributions
 from an IRA to the extent they do not exceed your qualified higher education expenses (as defined in IRC Section
 72(t)(7)) for the taxable year;

(13) distributions
 from an IRA which are qualified first-time homebuyer distributions (as defined in IRC Section 72(t)(8));

(14) payments
 of net income attributable to an excess IRA contribution made in a calendar year where such amounts are distributed
 by tax return deadline for the year (including extensions) and no deduction is allowed for the excess contribution;

(15) distributions
 which are qualified birth or adoption distributions (as defined in IRC Section 72(t)(2)(H)). Such distributions can
 be recontributed within the three year period beginning on the date received;

(16) certain
 distributions made after December 31, 2023 for emergency personal expenses (as provided in IRC Section 72(t)(2)(I)).
 Such distributions can be recontributed within the three-year period beginning on the date received;

(17) eligible
 distributions made after December 31, 2023 to you if you are a victim of domestic abuse (as provided in IRC Section 72(t)(2)(K)).
 Such distributions may be recontributed within the three-year period beginning on the date received;

(18) distributions
 made to you if you are a terminally ill individual (as provided in IRC Section 72(t)(2)(L)). Such distributions may
 be recontributed within the three-year period beginning on the date received; and

(19) distributions
 that are qualified disaster recovery distributions under IRC  Section 72(t)(2)(M). Such distributions may be recontributed
 within the three-year period beginning on the date received.

With respect to (4) above, if the series of substantially equal periodic payments is modified before the later of your attaining age 59½ or five years from the date of the first periodic payment, then the tax for the year of the modification is increased by an amount equal to the tax which would have been imposed (the 10% additional tax) but for the exception, plus interest for the tax years in which the exception was used. A withdrawal outside of the series of substantially equal period payments, or an additional Purchase Payment into your contract, may be considered an impermissible modification. However, after 2023, a tax-free rollover or transfer to another qualified plan or IRA, from which a series of substantially equal periodic payments is received, will not result in a modification if the combined distributions from the old and new arrangements continue to satisfy the exception. The rules governing substantially equal periodic payments are complex. You should consult a tax adviser or IRS Notice 2022-6 for more specific information.

**Tax-Sheltered Annuities Taxation and Withdrawal Restrictions**

Under IRS regulations, effective January 1, 2009, all TSA plans must have a written plan document which specifies the requirements that each contract must meet in order to be qualified under the plan. In addition, the document must provide a list of the providers and contracts that are permitted to be purchased by TSA plan participants under the plan. TSA plan participants should be aware that if a TSA plan removes the provider or specific contract type that the TSA plan participant owns from its approved list, the TSA plan participant may be restricted from making further salary reduction contributions into that contract. TSA plans also have the right to restrict the ability to take loans and hardship withdrawals from a TSA contract. Because a plan participant may own more than one TSA contract, before we process a transaction we may require the TSA plan to approve the transaction to ensure that rules regarding loans, hardships and distribution restrictions are met. TSA plan participants should contact their individual TSA plan to determine the specific rules that apply to them.

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The IRS regulations also made significant changes to Revenue Ruling 90-24 exchanges or transfers. Under the regulations an exchange may only be done when the TSA plan allows TSA exchanges under its plan and the provider of the new TSA contract agrees to share information with the TSA plan to ensure that the requirements of the TSA plan are met. Given this restriction, before a TSA exchange is processed, the TSA plan is required to approve the transaction or provide a list of vendors for which it has an information sharing agreement (ISA). Additionally, because most of the regulations were not effective until 2009, there was great uncertainty about their application to contract exchanges that took place between September 24, 2007 and January 1, 2009. Because of this uncertainty, it is possible that an exchange that took place prior to January 1, 2009 caused a TSA plan participant to incur taxation on the value of the contract. However, it is also possible that such an exchange did not have adverse tax consequences. If a TSA plan participant exchanged a contract to a TSA contract with a provider that does not have an ISA with the TSA plan, the participant had until July 1, 2009 to avoid adverse tax consequences by exchanging the contract for a TSA contract with which the TSA plan does have an ISA.

The IRC limits the withdrawal of Purchase Payments made by TSA plan participants through salary reductions from certain TSAs. Withdrawals of salary reduction amounts and their earnings can be made when a TSA plan participant:

• reaches
 age 59½;

• has
 a severance from employment;

• dies;

• becomes
 disabled, as that term is defined in the IRC;

• experiences
 a hardship, as provided in IRC Section 403(b)(11)(B);

• meets
 the requirements for a qualified birth or adoption distribution, as defined in IRC Section 72(t)(2)(H);

• qualifies
 for a qualified disaster recovery distribution, as defined in IRC Section 72(t)(2)(M);

• qualifies
 for an eligible distribution to a domestic violence victim, as defined in IRC Section 72(t)(2)(K);

• qualifies
 for an emergency personal expense distribution, as defined in IRC Section 72(t)(2)(I); or

• the
 TSA plan terminates (starting January 1, 2009).

<br>In the case of hardship, for plan years beginning before 2024, the TSA plan participant could only withdraw the Purchase Payments and not any earnings. However, for plan years beginning after 2023, hardship withdrawals can consist of both the Purchase Payments and any earnings.

TSA contract value as of December 31, 1988 and contract amounts attributable to service with a former employer are not subject to these restrictions. Additionally, return of excess contributions or amounts paid to a spouse as a result of a qualified domestic relations order are not subject to these restrictions.

TSA contracts issued January 1, 2009 and after are subject to distribution restrictions on employer contributions. These restrictions are determined by the TSA plan and can be based on criteria such as completing years of service or attaining a stated age.

**Withdrawal Restrictions – Texas Optional Retirement Program**

No withdrawals may be made in connection with a Contract issued pursuant to the Texas Optional Retirement Program for faculty members of Texas public institutions of higher learning before you:

• terminate
 employment in all such institutions and repay employer contributions if termination occurs during the first 12 months
 of employment;

• retire;

• die;

• or
 attain age 70½.

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**Withdrawal Restrictions – Governmental 457(b) Deferred Compensation Contract**

Amounts may not be paid to a participant of a governmental 457(b) deferred compensation plan prior to the plan participant's:

• attainment
 of age 59½;

• severance
 from employment;

• incurring
 an unforeseeable emergency;

• compliance
 with a qualified domestic relations order (QDRO);

• qualifying
 for a qualified disaster recovery distribution, as defined in IRC Section 72(t)(2)(M);

• qualifying
 for an eligible distribution to a domestic violence victim, as defined in IRC Section 72(t)(2)(K);

• qualifying
 for an emergency personal expense distribution, as defined in IRC Section 72(t)(2)(I); or

• meeting
 the requirements for a qualified birth or adoption distribution, as defined in IRC Section 72(t)(2)(H).

In certain circumstances, amounts may also be distributed upon termination of the deferred compensation plan or if the Contract contains $5,000 or less, as provided by the plan.

Governmental 457(b) deferred compensation plans are subject to the Required Minimum Distribution rules of IRC Section 401(a)(9). The sections of this prospectus related to Qualified Contracts contain more detailed information regarding these rules.

**Required Minimum Distributions for Qualified Contracts**

For Qualified Contracts, distributions generally must begin no later than April 1<sup>st</sup> of the calendar year following the later of:

(1) the
 calendar year in which you attained the "applicable age" as defined in IRC Section 401(a)(9), or

(2) the
 calendar year in which you retire.

If you were born after December 31, 1950 and before January 1, 1960, your applicable age is 73. If you were born after December 31, 1959, your applicable age is 75. Previously, the age at which RMDs were required to begin was 70½ for those born before July 1, 1949, and 72 for those born after June 30, 1949 and before January 1, 1951.

The date set forth in (2) does not apply to an IRA or to a five percent owner of the employer maintaining the plan. Required distributions generally must be over a period not exceeding your life or life expectancy or the joint lives or joint life expectancies of you and your designated Beneficiary. Upon your death, additional distribution requirements are imposed. If RMDs are not made, a penalty tax of up to 25% is imposed on the amount that should have been distributed.

These rules were significantly changed under the Setting Every Community Up for Retirement Enhancement (SECURE) Act, enacted in late 2019, and differ for Qualified Contracts when death occurs after December 31, 2019 versus those where death occurred on or before December 31, 2019 (on or before December 31, 2021 for participants of a governmental plan or a plan maintained pursuant to a collective bargaining agreement).

Where the Owner's death occurred on or before December 31, 2019 (on or before December 31, 2021 for participants of a governmental plan or a plan maintained pursuant to a collective bargaining agreement), if the Contract had not yet entered the Income Phase and death occurred after the required beginning date, distributions must be made at least as rapidly as under the method in effect at the time of the Owner's death, or over the life or life expectancy of the designated Beneficiary. If the Contract had not entered the Income Phase and death occurred before the required beginning date, the remaining interest must be distributed within five years or over the life or life expectancy of the designated Beneficiary. If the Owner's death occurred after the Contract had entered the Income Phase, distributions must be made at least as rapidly as under the method in effect at the time of the Owner's death.

If your death occurs after December 31, 2019 (after December 31, 2021 for participants of a governmental plan or a plan maintained pursuant to a collective bargaining agreement) and your designated Beneficiary is not an "Eligible Designated Beneficiary" as defined in IRC Section 401(a)(9), the remaining interest must be distributed within ten years, regardless of whether your death occurs before or after your required beginning date or whether your Contract had entered the Income Phase. In addition, if your death occurs on or after your required beginning date, your Beneficiary must take annual RMDs during the ten year distribution period to the extent required by Regulations issued under IRC Section 401(a)(9). If your designated Beneficiary is considered an Eligible Designated Beneficiary, the remaining interest must be distributed within ten years or over the life or life expectancy of the designated Beneficiary. We only

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offer a life or life expectancy distribution option to a designated Beneficiary who either (1) is the surviving spouse of the deceased qualified plan participant or IRA owner or, (2) is not more than ten years younger than the deceased qualified plan participant or IRA owner. In the future, we may allow additional classes of Eligible Designated Beneficiaries to elect a life or life expectancy distribution option.

If your death occurs after December 31, 2019 (after December 31, 2021 for participants of a governmental plan or a plan maintained pursuant to a collective bargaining agreement) and you do not have a designated Beneficiary (including where your estate or certain trusts are the Beneficiary), the pre-2019 distribution rules generally apply. If your Contract has not yet entered the Income Phase and death occurs after your required beginning date, distributions must be made at least as rapidly as under the method in effect at the time of your death. If the Contract has not yet entered the Income Phase and your death occurs before your required beginning date, the remaining interest must be distributed within five years. If your death occurs after your Contract has entered the Income Phase, distributions must be made at least as rapidly as under the method in effect at the time of your death.

The Regulations under IRC Section 401(a)(9) include a provision that could increase the dollar amount of RMDs for individuals who fund their IRA or qualified retirement plan with an annuity contract. During the Accumulation Phase of the annuity contract, Treasury Regulations Section 1.401(a)(9)-6, Q&A-12 requires that individuals add the actuarial present value of any additional benefits provided under the annuity (such as certain living or death benefits) to the dollar amount credited to the owner or Beneficiary under the Contract in order to determine the fair market value of the Contract. A larger fair market value will result in the calculation of a higher RMD amount. You should consult a tax adviser to determine how this may impact your specific circumstances.

**Income Tax Reporting and Withholding**

Federal law requires that we file an information return on Form 1099-R with the IRS (with a copy to you) reporting any taxable amounts paid to you under the annuity contract. By January 31st of the calendar year following the year of any payment(s), we will issue the Form 1099-R to the owner of the annuity contract. Following the death of the owner the Form 1099-R will be sent to each Beneficiary who receives a payment under the Contract.

The portion of any distribution that is includible in the gross income of the owner is subject to federal income tax withholding. The amount of the withholding depends on the type of distribution. Withholding for periodic payments is at the same rate as wages and at the rate of 10% from non-periodic payments. However, the owner, in most cases, may elect not to have taxes withheld or to have withholding done at a different rate. Distributions from certain retirement plans, excluding IRAs, that are not directly rolled over to another eligible retirement plan or IRA, are subject to a mandatory 20% withholding.

The 20% withholding requirement generally does not apply to:

• a
 series of substantially equal payments made at least annually for:

○ the
 life or life expectancy of the owner, or joint and last survivor expectancy of the owner and a designated Beneficiary, or

○ for
 a specified period of ten years or more;

• distributions
 which are Required Minimum Distributions;

• hardship
 distributions from a 401(k) plan or a tax-sheltered annuity;

• distributions
 that are qualified birth or adoption distributions as defined in IRC Section 72(t)(2)(H);

• distributions
 that are qualified disaster recovery distributions as defined in IRC Section 72(t)(2)(M);

• distributions
 that are emergency personal expense distributions as defined in IRC Section 72(t)(2)(I); or

• distributions
 that are eligible distributions to a victim of domestic violence as defined in  IRC Section 72(t)(2)(K).

You should consult a tax adviser regarding withholding requirements.

**Generation Skipping Transfer Tax Withholding**

Under certain circumstances, the IRC may impose a generation skipping transfer tax when all or part of an annuity contract is transferred to, or a death benefit is paid to, an individual two or more generations younger than the Owner. Regulations issued under the IRC may require us to deduct the tax from your Contract, or from any applicable payment, and pay it directly to the IRS.

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**Non-Resident Aliens and Foreign Entities**

Generally, a distribution from a contract to a non-resident alien or foreign entity is subject to federal tax withholding at a rate of 30% of the amount of income that is distributed. A non-resident alien is a person who is neither a citizen, nor a resident, of the United States of America (U.S.). We are required to withhold the tax and send it to the IRS. Some distributions to non-resident aliens or foreign entities may be subject to a lower (or no) tax if a treaty applies. In order to obtain the benefits of such a treaty, the non-resident alien must claim the treaty benefit on Form W-8BEN (or the equivalent form), providing us with:

• proof
 of residency (in accordance with IRS requirements); and

• the
 applicable taxpayer identification number.

If the above conditions are not met, we will withhold 30% of the income from the distribution. Additionally, under the Foreign Account Tax Compliance Act effective July 1, 2014, U.S. withholding may occur with respect to certain foreign entity owners (including foreign financial institutions and non-financial foreign entities (such as corporations, partnerships, and trusts)) at a 30% rate without regard to lower treaty rates.

**Civil Unions and Domestic Partnerships**

Parties to a civil union or domestic partnership are not treated as spouses under federal law. You should consult a tax adviser for more information on this subject.

Distribution

The Contracts are no longer for sale to the public. The Contract was sold by both registered representatives of MML Investors Services, LLC (MMLIS), a subsidiary of MassMutual, and by registered representatives of other broker-dealers who have entered into distribution agreements with MML Strategic Distributors, LLC (MSD), a subsidiary of MassMutual. Pursuant to separate underwriting agreements with MassMutual, on its own behalf and on behalf of the Separate Account, MMLIS serves as principal underwriter of the contracts sold by its registered representatives, and MSD serves as principal underwriter of the contracts sold by registered representatives of other broker-dealers who have entered into distribution agreements with MSD.

MMLIS and MSD are registered with the SEC as broker-dealers under the Securities Exchange Act of 1934 and are members of the Financial Industry Regulatory Authority (FINRA). MMLIS and MSD also receive compensation for their actions as principal underwriters of the Contracts.

**Commissions and Allowances Paid**

Commissions for sales of the Contract by MMLIS registered representatives are paid on behalf of MMLIS by MassMutual to MMLIS registered representatives. Commissions for sales of the Contract by registered representatives of other broker-dealers are paid on behalf of MSD by MassMutual to those broker-dealers. We also pay expense allowances in connection with the sales of the Contracts. The maximum commission payable for the Contract is 8.63% of Purchase Payments made to a Contract and/or up to 2.4% of Contract Value annually.

**Additional Compensation Paid to MMLIS**

Most MMLIS registered representatives are also MassMutual insurance agents, and as such, are eligible for certain cash and non-cash benefits from MassMutual. Cash compensation includes bonuses and allowances based on factors such as sales, productivity and persistency. 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 Contract may help these registered representatives and their supervisors qualify for such benefits. MMLIS registered representatives who are also general agents or sales managers of MassMutual also may receive overrides, allowances and other compensation that is based on sales of the Contract by their registered representatives.

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**Additional Compensation Paid to Certain Broker-Dealers**

We and MSD make additional commission payments to certain broker-dealers in the form of asset-based payments and sales-based payments. We also make cash payments and non-cash payments to certain broker-dealers. The asset-based and sales-based payments are made to participate in those broker-dealers' preferred provider programs or marketing support programs, or to otherwise promote the Contract. Asset-based payments are based on the value of the assets in the MassMutual Contracts sold by that broker-dealer. Sales-based payments are paid on each sale of the Contract and each subsequent Purchase Payment applied to the Contract. Cash payments are made to attend sales conferences and educational seminars sponsored by certain broker-dealers. Non-cash payments include various promotional items. For a list of the broker-dealers to whom we currently pay additional compensation for selling the Contract, visit www.MassMutual.com/legal/compensation-arrangements or call our Service Center.

The additional compensation arrangements described in the preceding paragraphs are not offered to all broker-dealers and the terms of such arrangements may differ among broker-dealers. Some broker-dealers may receive two or more of these payments. Such payments may give us greater access to the registered representatives of the broker-dealers that receive such compensation or may influence the way that a broker-dealer markets the Contract. Any such compensation will be paid by MSD or us and will not result in any additional direct charge to you.

**Compensation in General**

The compensation arrangements described above may provide a registered representative with an incentive to sell the Contract over other available variable annuity contracts whose issuers do not provide such compensation or who provide lower levels of such compensation. Your registered representative typically receives a portion of the compensation that is payable to his or her broker-dealer, depending on the agreement between the representative and their firm. MassMutual is not involved in determining compensation paid to a registered representative of an unaffiliated broker-dealer. You may contact your broker-dealer or registered representative to find out more information about the compensation they may receive in connection with your purchase of a Contract. You may want to take these compensation arrangements into account when evaluating any recommendation regarding the Contract.

We intend to recoup a portion of the cash and non-cash compensation payments that we make through the assessment of certain charges described in this prospectus. We may also use some of the 12b-1 distribution fee payments and other payments that we receive from certain Funds to help us make these cash and non-cash payments.

You may want to contact MMLIS or your registered representative to find out more about the compensation they receive in connection with your purchase of a Contract.

Commissions or overrides may also be paid to broker-dealers providing wholesaling services (such as providing sales support and training for sales representatives who sell the Contracts).

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Other Information

**Assignment**

If your Contract is issued as a 403(b) tax-sheltered annuity or an individual retirement annuity, you cannot assign your Contract. If the Contract is issued pursuant to a qualified plan other than an individual retirement annuity, there may be limitations on your ability to assign the Contract. If you assign your Contract, your rights may only be exercised with the consent of the assignee of record.

We will refuse or accept any request to assign the Contract on a non-discriminatory basis. Please refer to your Contract.

We must receive Written Notice, in Good Order, of the assignment, for any assignment we allow to be binding on us. We are not responsible for the validity of an assignment.

**Unclaimed Property**

Every state has some form of unclaimed property law that imposes varying legal and practical obligations on insurers and, indirectly, on Owners, Beneficiaries, and any other payees of proceeds from a contract. Unclaimed property laws generally provide for the transfer of benefits or payments under various circumstances to the abandoned property division or unclaimed property office in the state of last residence. This process is known as escheatment. To help avoid escheatment, keep your own information, as well as Beneficiary and any other payee information up-to-date, including: full names, postal and electronic media addresses, telephone numbers, dates of birth, and social security numbers. To update this information, contact our Service Center. IRS guidance requires us to withhold federal income tax from escheated payments from certain qualified contracts, and to report such payments to the IRS on Form 1099-R.

**Anti-Money Laundering**

Federal laws designed to counter terrorism and prevent money laundering might, in certain circumstances, require us to reject a Purchase Payment or block an owner's ability to make certain transactions and thereby refuse to accept any request for transfers, withdrawals, or death benefits, until instructions are received from the appropriate regulator. We may also be required to provide additional information about you and your Contract to government regulators.

**Payments We Make**

We may be required to suspend or postpone payments, withdrawals, or transfers from the Sub-Accounts for any period when:

• the
 NYSE is closed (other than customary weekend and holiday closings);

• trading
 on the NYSE is restricted;

• an
 emergency exists as a result of which disposal of shares of the Funds is not reasonably practicable or we cannot reasonably
 value the shares of the Funds; or

• during
 any other period when the SEC, by order, so permits for your protection.

We reserve the right to defer payment for a withdrawal from The Fixed Account or payment of loan proceeds from The Fixed Account for the period permitted by law, but not for more than six months.

In addition, if, pursuant to the SEC's rules, a money market fund suspends payment of redemption proceeds in connection with a liquidation of that Fund, we will delay payment of any transfer, withdrawal or death benefit from the applicable money market Sub-Account until the Fund is liquidated.

Federal laws designed to counter terrorism and prevent money laundering might, in certain circumstances, require us to reject a Purchase Payment or block an owner's ability to make certain transactions and thereby refuse to accept any request for transfers, withdrawals, or death benefits, until instructions are received from the appropriate regulator. We may also be required to provide additional information about you and your Contract to government regulators.

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**Changes to the Contract**

We reserve the right to amend the Contract to meet the requirements of applicable federal or state laws or regulations, or as otherwise provided in the Contract. We will notify you by written notice of such amendments.

**Termination of the Contract**

We will terminate your Contract upon the occurrence of any of the following events:

• the
 date of the last Annuity Payment;

• the
 date withdrawal is made of the entire Contract Value;

• the
 date of the last payment upon death to the last Beneficiary; or

• the
 date your Contract is returned under the right to examine Contract provision.

**Computer System, Cybersecurity, and Service Disruption Risks**

The Company relies on its parent, MassMutual, for various operating and administrative services including computer systems. MassMutual and its business partners rely on computer systems to conduct business, including customer service, marketing and sales activities, customer relationship management and producing financial statements. While MassMutual and its business partners have policies, procedures, automation and backup plans designed to prevent or limit the effect of failures, their respective computer systems may be vulnerable to disruptions or breaches as the result of natural disasters, man-made disasters, criminal activity, pandemics, or other events beyond their control. The failure of MassMutual or its business partners' computer systems for any reason could disrupt operations, result in the loss of customer business and adversely impact profitability.

MassMutual and its business partners retain confidential information on their respective computer systems, including customer information and proprietary business information. Any compromise of the security of MassMutual's or its business partners' computer systems that results in the disclosure of personally identifiable customer information could damage our reputation, expose us to litigation, increase regulatory scrutiny and require us to incur significant technical, legal, and other expenses. The risk of cyber-attacks may be higher during periods of geopolitical turmoil (such as the Russian invasion of Ukraine and the responses by the United States and other governments).

Geopolitical and other events, including natural disasters, war, terrorism, economic uncertainty, trade disputes, public health crises and related geopolitical events, and widespread disease, including pandemics (such as COVID-19) and epidemics, have led, and in the future may lead, to increased market volatility, which may disrupt U.S. and world economies and markets and may have significant adverse direct or indirect effects on the Company and MassMutual. These events may adversely affect computer and other systems on which MassMutual and the Company rely, interfere with the processing of contract-related transactions (including the processing of orders from owners and orders with the Funds) and the Company's ability to administer this Contract in a timely manner, or have other possible negative effects. These events may also impact the issuers of securities in which the Funds invest, which may cause the Funds underlying the Contract to lose value. There can be no assurance that we, the Funds or our service providers will avoid losses affecting the Contract due to these geopolitical and other events. If we are unable to receive U.S. mail or fax transmissions due to a closure of U.S. mail delivery by the government or due to the need to protect the health of our employees, you may still be able to submit transaction requests to the Company electronically or over the telephone. Our inability to receive U.S. mail or fax transmissions may cause delays in the pricing and processing of transaction requests submitted to us by U.S. mail or by fax during that time period.

**Legal Proceedings**

The Company is subject to legal and regulatory actions, including class action lawsuits, in the ordinary course of its business. Our pending legal and regulatory actions include proceedings specific to us, as well as proceedings generally applicable to business practices in the industry in which we operate. From time to time, we also are subject to governmental and administrative proceedings and regulatory inquiries, examinations, and investigations in the ordinary course of our business. In addition, we, along with other industry participants, may occasionally be subject to investigations, examinations, and inquiries (in some cases industry-wide) concerning issues upon which regulators have decided to focus. Some of these proceedings involve requests for substantial and/or unspecified amounts, including compensatory or punitive damages.

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While it is not possible to predict with certainty the ultimate outcome of any pending litigation proceedings or regulatory action, management believes, based on information currently known to it, that the ultimate outcome of all pending litigation and regulatory matters, after consideration of applicable reserves and rights to indemnification, is not likely to have a material adverse effect upon the Separate Account, the ability of the principal underwriter(s) to perform in accordance with its contracts with the Company on behalf of the Separate Account, or the ability of the Company to meet its obligations under the Contract.

For more information regarding the Company's litigation and other legal proceedings, please see the notes to the Company's financial statements contained within the SAI.

**Our Financial Statements**

The financial statements for the Separate Account and the Company are included in the SAI. Our financial statements should be distinguished from the financial statements of the Separate Account, and you should consider our financial statements as bearing only upon our ability to meet our obligations under the Contracts. Contact us at our Service Center for a free copy of these financial statements and the SAI.

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Appendix A

**Investment Options Available Under the Contract**

**Funds Available Under the Contract**

The following is a list of Funds currently available under the Contract. The list of Funds is subject to change, as discussed in the prospectus for the Contract. Before you invest, you should review the prospectuses for the Funds. These prospectuses contain more information about the Funds and their risks and may be amended from time to time You can find prospectuses and other information about the Funds online at www.MassMutual.com/MMArtistry. You can also request this information at no cost by calling<br>(800) 272-2216 or sending an email request to ANNfax@MassMutual.com.

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

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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 | MML VIP Aggressive Allocation Fund (Initial Class)<sup>(1)</sup><sup>(2)</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>(3)</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>(4)</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>(5)</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>(6)</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>(7)</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>|
| Money Market | Invesco V.I. U.S. Government Money Portfolio (Series I)<sup>(8)</sup><sup>(9)</sup><br>***Adviser:*** Invesco Advisers, Inc.<br>***Sub-Adviser:*** N/A | 0.67<br> %<br>| 3.65<br> %<br>| 2.80<br> %<br>| 1.76<br> %<br>|
| Money Market | MML VIP Barings U.S. Government Money Market Fund<br>(Initial Class)<sup>(8)</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 | 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 | 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 (Service Class I)<sup>(13)</sup><br>***Adviser:*** MML Investment Advisers, LLC<br>***Sub-Adviser:*** Barings LLC | 0.84<br> %<br>| 5.76<br> %<br>| 2.30<br> %<br>| 2.31<br> %<br>|
| Fixed Income | MML VIP Fidelity Institutional AM<sup>®</sup> Core Plus Bond Fund<br>(Service Class I)<sup>(14)</sup><br>***Adviser:*** MML Investment Advisers, LLC<br>***Sub-Adviser:*** FIAM LLC | 0.86<br> %<br>| 7.03<br> %<br>| –1.10<br> %<br>| 1.58<br> %<br>|
| Balanced | Invesco V.I. Equity and Income Fund (Series I)<sup>(15)</sup><br>***Adviser:*** Invesco Advisers, Inc.<br>***Sub-Adviser:*** N/A | 0.57<br> %<br>| 12.81<br> %<br>| 8.94<br> %<br>| 8.92<br> %<br>|
| Balanced | MML VIP BlackRock<sup>®</sup> Balanced Fund (Initial Class)<sup>(1)</sup><sup>(16)</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>|
| 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>(17)</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>(18)</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 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 | 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 | MML Focused Equity Fund (Service Class I)<br>***Adviser:*** MML Investment Advisers, LLC<br>***Sub-Adviser:*** Wellington Management Company LLP | 1.15<br> %<br>| 7.75<br> %<br>| 8.48<br> %<br>| 12.23<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 BlackRock<sup>®</sup> Equity Index Fund (Class I)<sup>(19)</sup><br>***Adviser:*** MML Investment Advisers, LLC<br>***Sub-Adviser:*** BlackRock Advisors, LLC | 0.44<br> %<br>| 17.36<br> %<br>| 13.92<br> %<br>| 14.33<br> %<br>|

---

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[Back to **Table of Contents**](#TOC_1027)

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **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 VIP Invesco Main Street Equity Fund (Class II)<sup>(20)</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>(21)</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 Growth | MML VIP American Funds Growth Fund (Service Class I)<sup>(22)</sup><sup>(23)</sup><sup>(24)</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 Invesco Discovery Large Cap Fund (Class II)<sup>(25)</sup><br>***Adviser:*** MML Investment Advisers, LLC<br>***Sub-Adviser:*** Invesco Advisers, Inc. | 0.78<br> %<br>|  |  |  |
| Large Cap Growth | MML VIP Loomis, Sayles Large Cap Growth Fund (Initial Class)<sup>(26)</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>(27)</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>|
| 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>(28)</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>(Service Class I)<sup>(29)</sup><br>***Adviser:*** MML Investment Advisers, LLC<br>***Sub-Adviser:*** American Century Investment Management, Inc. | 1.24<br> %<br> <sup>(\*)</sup><br>| –3.60<br> %<br>| 4.90<br> %<br>| 8.28<br> %<br>|
| Small/Mid-Cap Blend | MML VIP Invesco Small Cap Equity Fund (Initial Class)<sup>(30)</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 Growth | MML VIP Invesco Discovery Mid Cap Fund (Class II)<sup>(31)</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>(32)</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>(33)</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 | Invesco V.I. International Growth Fund (Series I)<sup>(34)</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>|

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[Back to **Table of Contents**](#TOC_1027)

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **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 | 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>(35)</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 (Service Class I)<sup>(36)</sup><br>***Adviser:*** MML Investment Advisers, LLC<br>***Sub-Adviser:*** Massachusetts Financial Services Company | 1.18<br> %<br> <sup>(\*)</sup><br>| 25.20<br> %<br>| 7.07<br> %<br>| 6.97<br> %<br>|
| Specialty<sup>(37)</sup> | Invesco V.I. Health Care Fund (Series I)<br>***Adviser:*** Invesco Advisers, Inc.<br>***Sub-Adviser:*** N/A | 0.99<br> %<br>| 15.33<br> %<br>| 3.80<br> %<br>| 6.58<br> %<br>|
| Specialty<sup>(37)</sup> | Invesco V.I. Technology Fund (Series I)<br>***Adviser:*** Invesco Advisers, Inc.<br>***Sub-Adviser:*** N/A | 0.96<br> %<br>| 20.47<br> %<br>| 10.30<br> %<br>| 15.78<br> %<br>|
| Specialty<sup>(37)</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>(37)</sup> | VY<sup>®</sup> CBRE Global Real Estate Portfolio (Class S)<br>***Adviser:*** Voya Investments, LLC<br>***Sub-Adviser:*** CBRE Clarion Securities LLC | 1.16<br> %<br> <sup>(\*)</sup><br>| 6.53<br> %<br>| 3.77<br> %<br>| 3.73<br> %<br>|
| Specialty<sup>(37)</sup> | VY<sup>®</sup> Columbia Real Estate Portfolio (Class S)<br>***Adviser:*** Voya Investments, LLC<br>***Sub-Adviser:*** Columbia Management Advisors LLC | 1.00<br> %<br> <sup>(\*)</sup><br>| 0.03<br> %<br>| 5.67<br> %<br>| 4.80<br> %<br>|

---

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

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

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

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

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

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

(8) 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 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.

(9) Unavailable
 in Contracts issued on or after January 19, 2008.

(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) Unavailable
 in Contracts issued on or after April 30, 2012.

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

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

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

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

(19) MML
 VIP BlackRock <sup>®</sup> Equity Index Fund formerly known as MML Equity Index Fund.

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

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

(22) 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.

(23) The
 MML 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
 American Funds Growth Fund.

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

(25) MML
 VIP Invesco Discovery Large Cap Fund formerly known as MML Invesco Discovery Large Cap Fund.

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

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

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

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

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

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

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

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

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

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

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

(37) 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.

**Fixed Account Investment Options Available Under the Contract**

The following is a list of fixed options currently available under the Contract. We may change the features of the fixed options listed below, offer new fixed options, and terminate existing fixed options. We will provide you with written notice before doing so. See "General Information about C.M. Life Insurance Company, the Separate Account and the Investment Options – The Fixed Account" for more information.

---

| | |
|:---|:---|
| &nbsp;&nbsp; ***Name*** | &nbsp;&nbsp; ***Minimum Guaranteed Interest Rate*** |
| &nbsp;&nbsp;&nbsp;&nbsp; The Fixed Account | &nbsp;&nbsp;&nbsp;&nbsp; 1.5% |

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[Back to **Table of Contents**](#TOC_1027)

Appendix B

**Free Withdrawal Amount Example**

***Example 1 ~ Free Withdrawal Amount in Second Contract Year at the Time of a Withdrawal***

------

The values shown are based on the following assumptions:

• Your
 initial Purchase Payment of $100,000 is credited to your Contract on the Issue Date.

• In
 Contract Year 2, an additional Purchase Payment of $10,000 is made.

• In
 Contract Year 3, the Contract Value is $125,000.

Based on the above, we have the following values for the calculation of the Free Withdrawal Amount.

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp; **Beginning of**<br>**Contract Year** | &nbsp;&nbsp; **Transaction** | **Pre-**<br>**Transaction**<br>**Contract**<br>**Value** | **Purchase**<br>**Payment**<br>**Amount** | **Post-**<br>**Transaction**<br>**Contract Value** | **Free Withdrawal** **Amount** |
| &nbsp;&nbsp; 1 | &nbsp;&nbsp; Purchase Payment 1 | $0 | $100000 | $100000 | $10000 |
| &nbsp;&nbsp; 2 | &nbsp;&nbsp; Purchase Payment 2 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 102000 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 10000 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 112000 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 10200 |
| &nbsp;&nbsp; 3 |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 125000 |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 125000 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 12500 |

---

In Contract Year 1, 10% of the Contract Value of $100,000 is $10,000 which is the Free Withdrawal Amount.

In Contract Year 2, the Free Withdrawal Amount is 10% of the Contract Value which is $10,200 (10% x (102,000)).

In Contract Year 3, 10% of the total Contract Value is $12,500 (10% x $125,000), so the Free Withdrawal Amount is $12,500.

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[Back to **Table of Contents**](#TOC_1027)

Appendix C

**Contingent Deferred Sales Charge (CDSC) Example**

***Example 1 ~ CDSC for Flexible Purchase Payment Contracts***

------

• The
 following Purchase Payments are made:

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp; **Purchase Payment** | **Contract Year** | **Date** | **Amount** | **End of Year**<br>**Contract**<br>**Value** |
| &nbsp;&nbsp; 1 *(on Issue Date)* | 1 | January 15 | $100000 | $105000 |
| &nbsp;&nbsp; 2 | 1 | May 15 | 10000 | 120000 |
| &nbsp;&nbsp; 3 | 2 | January 15 | 20000 | 160000 |
| &nbsp;&nbsp; 4 | 7 | January 15 | 12000 | 180000 |

---

• In
 Contract Year 8, a partial withdrawal of $50,000 is made.

• To
 calculate the CDSC, we first determine the Free Withdrawal Amount not subject to a CDSC. The Free Withdrawal Amount
 is 10% of the Contract Value which is $18,000 (10% x $180,000).

• We
 next determine the remaining withdrawal amount after the deduction of the Free Withdrawal Amount which is $32,000 ($50,000
 – $18,000).

• Since
 the withdrawal is being made in Contract Year 8, the CDSC charge is 2% or $640 ($32,000 x 2%).

• The
 total CDSC for this withdrawal is $640, which is deducted from the withdrawal amount of $50,000. The net amount of $49,360
 ($50,000 – $640) is paid to the Contract Owner, unless otherwise instructed.

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Appendix D

**Death Benefit Examples**

***Example 1 ~ Impact of Purchase Payments and Determination of Benefit***

------

The values shown are based on the following assumptions:

• Initial
 Purchase Payment = $100,000.

• A
 subsequent Purchase Payment of $10,000 is made at beginning of Contract Year 2.

• Contract
 Owner dies in Contract Year 5 and had not yet attained Age 80.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp; **Beginning of Contract Year** | **Purchase**<br>**Payment** | **Contract Value**<br>**After Purchase**<br>**Payment** | **Total Purchase** **Payments** |
| &nbsp;&nbsp; 1 | $100000 | $100000 | $100000 |
| &nbsp;&nbsp; 2 | 10000 | 115000 | 110000 |
| &nbsp;&nbsp; 5 (receive due proof of Contract Owner's death and election of the payment method) |  | 101000 | 110000 |

---

• On
 the Issue Date, a $100,000 Purchase Payment is made. This is the initial total Purchase Payments adjusted for withdrawals.

• At
 the beginning of Contract Year 2, a $10,000 subsequent Purchase Payment is made, bringing the total Purchase Payments adjusted
 for withdrawals to $110,000.

• Contract
 Owner dies in Contract Year 5. When we receive due proof of death and election of the payment method for the death
 benefit, the Contract Value is $101,000. The total Purchase Payments adjusted for withdrawals is $110,000. The Basic Death
 Benefit is the greater of these two values. Therefore, the death benefit is $110,000.

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***Example 2a ~ Impact of Withdrawal and Determination of Benefit for Contracts issued on or after***<br>***October 1, 2003***

------

The values shown are based on the following assumptions:

• Initial
 Purchase Payment = $100,000.

• A
 subsequent Purchase Payment of $10,000 is made at beginning of Contract Year 2.

• A
 withdrawal of $30,000 is made at beginning of Contract Year 5.

• Owner
 dies in Contract Year 6 and had not yet attained Age 80.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp; **Beginning of Contract Year** | **Purchase**<br>**Payment** | **Withdrawal** | **Contract**<br>**Value After**<br>**Purchase**<br>**Payment** | **Total Purchase**<br>**Payments Adjusted**<br>**for Withdrawals** |
| &nbsp;&nbsp; 1 | $100000 |  | $100000 | $100000 |
| &nbsp;&nbsp; 2 | 10000 |  | 115000 | 110000 |
| &nbsp;&nbsp; 5 (immediately prior to withdrawal) |  |  | 120000 | 110000 |
| &nbsp;&nbsp; 5 (immediately after withdrawal) |  | $30000 | 90000 | 82500 |
| &nbsp;&nbsp; 6 (receive due proof of Contract Owner's death and election of the payment method) |  |  | 80000 | 82500 |

---

• On
 the Issue Date, a $100,000 Purchase Payment is made. This is the initial total Purchase Payments adjusted for withdrawals.

• At
 the beginning of Contract Year 2, a $10,000 subsequent Purchase Payment is made, bringing the total Purchase Payments adjusted
 for withdrawals to $110,000.

• At
 the beginning of Contract Year 5, a $30,000 withdrawal (including any CDSC) is made.

• Immediately
 prior to when the withdrawal is made, the Contract Value is $120,000, and the total Purchase Payments adjusted for
 withdrawals is $110,000.

• Immediately
 after the withdrawal is made, the Contract Value becomes $90,000 ($120,000 – $30,000 = $90,000), so the Contract
 Value has been reduced by 25% ($30, 0000/$120,000). The total Purchase Payments adjusted for withdrawals is reduced
 by $27,500 (25% × $110,000) to $82,500 ($110,000 – $27,500).

• Contract
 Owner dies in Contract Year 6. When we receive due proof of death and election of the payment method for the death
 benefit, the Contract Value is $80,000. The total Purchase Payments adjusted for withdrawals is $82,500. Therefore, the
 death benefit is $82,500 (the greater of $82,500 and $80,000).

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***Example 2b ~ Impact of Withdrawal and Determination of Benefit for Contracts Issued before October 1, 2003***

------

The values shown are based on the following assumptions:

• Initial
 Purchase Payment = $100,000.

• A
 subsequent Purchase Payment of $10,000 is made at beginning of Contract Year 2.

• A
 withdrawal of $30,000 is made at beginning of Contract Year 5.

• Contract
 Owner dies in Contract Year 6 and had not yet attained Age 80.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp; **Beginning of Contract Year** | **Purchase**<br>**Payment** | **Withdrawal** | **Contract**<br>**Value After**<br>**Purchase**<br>**Payment** | **Total Purchase** **Payments**<br>**Less Withdrawals** |
| &nbsp;&nbsp; 1 | $100000 |  | $100000 | $100000 |
| &nbsp;&nbsp; 2 | 10000 |  | 115000 | 110000 |
| &nbsp;&nbsp; 5 (immediately prior to withdrawal) |  |  | 120000 | 110000 |
| &nbsp;&nbsp; 5 (immediately after withdrawal) |  | $30000 | 90000 | 80000 |
| &nbsp;&nbsp; 6 (receive due proof of Contract Owner's death and election of the payment method) |  |  | 95000 | 80000 |

---

• On
 the Issue Date, a $100,000 Purchase Payment is made. This is the initial total Purchase Payments less withdrawals.

• At
 the beginning of Contract Year 2, a $10,000 subsequent Purchase Payment is made, bringing the total Purchase Payments less
 withdrawals to $110,000.

• At
 the beginning of Contract Year 5, a $30,000 withdrawal (including any CDSC) is made.

• Immediately
 prior to when the withdrawal is made, the Contract Value is $120,000, and the total Purchase Payments less withdrawals
 is $110,000.

• Immediately
 after the withdrawal is made, the Contract Value becomes $90,000 ($120,000 – $30,000 = $90,000). The total Purchase
 Payments less withdrawals is reduced to $80,000 ($110,000 – $30,000).

• Contract
 Owner dies in Contract Year 6. When we receive due proof of death and election of the payment method for the death
 benefit, the Contract Value is $95,000. The total Purchase Payments less withdrawals is $80,000. Therefore, the death benefit
 is $95,000 (the greater of $95,000 and $80,000).

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***Example 3 ~ Impact of Reaching Age 80***

------

The values shown are based on the following assumptions:

• Initial
 Purchase Payment = $100,000.

• A
 subsequent Purchase Payment of $10,000 is made at beginning of Contract Year 2.

• Contract
 Owner reaches Age 80 in Contract Year 5. Please see definition of Age earlier in this prospectus.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp; **Beginning of Contract Year** | **Purchase**<br>**Payment** | **Contract Value After**<br>**Purchase Payment** | **Total Purchase Payments**  |
| &nbsp;&nbsp; 1 | $100000 | $100000 | $100000 |
| &nbsp;&nbsp; 2  | 10000 | 115000 | 110000 |
| &nbsp;&nbsp; 5 (Contract Owner turns Age 80<sup>(1)</sup>) |  | 101000 | N/A |
| &nbsp;&nbsp; 6 (receive due proof of Owner's death and election of the payment method) |  | 109000 | N/A |

---

(1) Age
 is as of the nearest birthday. For example, Age 80 is generally the period of time between age 79 years, 6 months and 1 day and age 80
 and 6 months.

• On
 the Issue Date, a $100,000 Purchase Payment is made. This is the initial total Purchase Payments adjusted for withdrawals.

• At
 the beginning of Contract Year 2, a $10,000 subsequent Purchase Payment is made, bringing the total Purchase Payments adjusted
 for withdrawals to $110,000.

• At
 the beginning of Contract Year 5, the Contract Owner has turned Age 80. The Contract Value is $101,000 and the total Purchase
 Payments adjusted for withdrawals are no longer considered for valuing the death benefit.

• At
 the beginning of Contract Year 6, the Contract Value is $109,000. Since the Owner is over Age 80, the value of the Basic Death
 Benefit is the Contract Value as of the Business Day proof of death and election of payment method in Good Order are
 received. Therefore, the Basic Death Benefit is $109,000.

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***Example 4 ~ Impact of an Outstanding Loan***

------

The values shown are based on the following assumptions:

• Initial
 Purchase Payment = $100,000.

• A
 subsequent Purchase Payment of $10,000 is made at beginning of Contract Year 2.

• A
 $30,000 loan is taken in Contract Year 3 and repayments begin 3 months later.

• Contract
 Owner dies in Contract Year 5 and had not yet attained Age 80.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp; **Beginning of Contract Year** | **Purchase**<br>**Payment** | **Loan** | **Contract Value**<br>**After Purchase**<br>**Payment and**<br>**Loan** | **Total Purchase Payments**<br>**Less Outstanding Loans** |
| &nbsp;&nbsp; 1 | $100000 |  | $100000 | $100000 |
| &nbsp;&nbsp; 2  | 10000 |  | 115000 | 110000 |
| &nbsp;&nbsp; 3 |  | $30000 | 85000 | 80000 |
| &nbsp;&nbsp; 5 (receive due proof of Contract Owner's death and election of the payment method) |  |  | 90000 | 85000 |

---

• On
 the Issue Date, a $100,000 Purchase Payment is made. This is the initial total Purchase Payments less outstanding loans.

• At
 the beginning of Contract Year 2, a $10,000 subsequent Purchase Payment is made, bringing the total Purchase Payments less
 outstanding loans to $110,000.

• At
 the beginning of Contract Year 3, a $30,000 loan is taken, bringing the total Purchase Payments less loans to $80,000 ($110,000
 – $30,000).

• Contract
 Owner dies in Contract Year 5. When we receive due proof of death and election of the payment method for the death
 benefit, the Contract Value is $90,000. With the loan repayments totaling $5,000 of principal, the total Purchase Payments
 less outstanding loans is $85,000. The Basic Death Benefit is the greater of these two values. Therefore, the death benefit
 is $90,000.

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Appendix E

**State Variations of Certain Contract Features**

The following chart describes the material variation of certain features and/or benefits of the Contract in states where the Contract has been approved as of the date of the prospectus.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp; **State** | **Feature** | **Variation** |
| &nbsp;&nbsp; Maryland | Terminal Illness Benefit | Not available. |
| &nbsp;&nbsp; Massachusetts | Annuity Payments | Unisex rates are used in calculating Annuity Payments. |
| &nbsp;&nbsp; Massachusetts | Terminal Illness Benefit | Not available. |
| &nbsp;&nbsp; North Carolina | Terminal Illness Benefit | Not available. |
| &nbsp;&nbsp; Oregon | Contingent Deferred Sales Charge (CDSC), Withdrawal, Annuity Options | Waives CDSC for transfer of Contract Value to an Annuity Option. |
| &nbsp;&nbsp; Oregon |  | If Annuity Payments become payable under Annuity Option B and during the guaranteed period an election is made to have the present value of the remaining guaranteed Annuity Payments commuted and paid in a lump sum, the Company may assess any applicable CDSCs from the resulting commuted value prior to payment of the lump sum. |
| &nbsp;&nbsp; Pennsylvania | Terminal Illness Benefit | Not available. |
| &nbsp;&nbsp; Texas | Contingent Deferred Sales Charge | CDSC in Contract Year 2 is 7.5%. |
| &nbsp;&nbsp; Washington | Contingent Deferred Sales Charge (CDSC), Withdrawal, Annuity Options | Waives CDSC for transfer of Contract Value to an Annuity Option. |
| &nbsp;&nbsp; Washington | Contingent Deferred Sales Charge (CDSC), Withdrawal, Annuity Options | If Annuity Payments become payable under Annuity Option B and during the guaranteed period an election is made to have the present value of the remaining guaranteed Annuity Payments commuted and paid in a lump sum, the Company may assess any applicable CDSCs from the resulting commuted value prior to payment of the lump sum. |

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The SAI contains additional information about the Separate Account. The SAI is incorporated into this prospectus by reference and it is legally part of this prospectus. We filed the SAI with the SEC. The SEC maintains a website (www.sec.gov) that contains the SAI, material incorporated by reference and other information regarding companies that file electronically with the SEC.

Reports and other information about the Separate Account, including the SAI, are available on the SEC website (www.sec.gov).

For a free copy of the SAI, other information about this Contract, or general inquiries, contact our Service Center:

MassMutual<br>Document Management Services – Annuities W360<br>PO Box 9067<br>Springfield, MA 01102-9067<br>(800) 272-2216<br>(Fax) (866) 329-4272<br>(Email) ANNfax@MassMutual.com<br>www.MassMutual.com

Investment Company Act file number: 811-08698<br>Securities Act file number: 333-95845<br>Class (Contract) Identifier: C000021290

AN6103

**STATEMENT OF ADDITIONAL INFORMATION**

**C.M. LIFE INSURANCE COMPANY**<br>**(Insurance Company)**<br>**C.M. MULTI-ACCOUNT A**<br>**(Registered Separate Account)**<br>**MASSMUTUAL ARTISTRY**

**April 27, 2026**

This is not a prospectus. This Statement of Additional Information (SAI) should be read in conjunction with the prospectus dated April 27, 2026, for the individual or group variable deferred annuity contracts with flexible Purchase Payments which are referred to herein.

For a copy of the prospectus, call (800) 272-2216, visit online at www.MassMutual.com/MMArtistry, send an email request to MassMutualServiceCenter@MassMutual.com, or write to MassMutual<sup>®</sup>, Document Management Services – Annuities W360, PO Box 9067, Springfield, MA 01102-9067.

**TABLE OF CONTENTS**

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| | | |
|:---|:---|:---|
|  | &nbsp;&nbsp;&nbsp;&nbsp; **SAI** | &nbsp;&nbsp;&nbsp;&nbsp; **Prospectus** |
| The Company .......................................... | &nbsp;&nbsp;&nbsp;&nbsp; 2 | &nbsp;&nbsp;&nbsp;&nbsp; 15 |
| The Separate Account .................................. | &nbsp;&nbsp;&nbsp;&nbsp; 2 | &nbsp;&nbsp;&nbsp;&nbsp; 15 |
| Assignment of Contract ................................ | &nbsp;&nbsp;&nbsp;&nbsp; 2 | &nbsp;&nbsp;&nbsp;&nbsp; 52 |
| Distribution and Administration ........................ | &nbsp;&nbsp;&nbsp;&nbsp; 3 | &nbsp;&nbsp;&nbsp;&nbsp; 50 |
| Accumulation Units and Unit Value .................... | &nbsp;&nbsp;&nbsp;&nbsp; 3 | &nbsp;&nbsp;&nbsp;&nbsp; 24 |
| Transfers During the Income Phase ..................... | &nbsp;&nbsp;&nbsp;&nbsp; 4 | &nbsp;&nbsp;&nbsp;&nbsp; 26 |
| Payment of Death Benefit .............................. | &nbsp;&nbsp;&nbsp;&nbsp; 4 | &nbsp;&nbsp;&nbsp;&nbsp; 35 |
| Annuity Payments ..................................... | &nbsp;&nbsp;&nbsp;&nbsp; 5 | &nbsp;&nbsp;&nbsp;&nbsp; 30 |
| Experts ................................................ | &nbsp;&nbsp;&nbsp;&nbsp; 5 |  |
| Financial Statements ................................... | &nbsp;&nbsp;&nbsp;&nbsp; 6 |  |

---

AN6103-SAI

------

**THE COMPANY**

In this Statement of Additional Information, the "Company," "we," "us," and "our" refer to C.M. Life Insurance Company (C.M. Life). C.M. Life, which was incorporated on April 25, 1980, is a wholly owned stock life insurance subsidiary of Massachusetts Mutual Life Insurance Company (MassMutual<sup>®</sup>). C.M. Life provides life insurance and annuities to individuals and group life insurance to institutions.

MassMutual and its domestic life insurance subsidiaries provide individual and group life insurance, disability insurance, individual and group annuities and guaranteed interest contracts to individual and institutional customers in all 50 states of the U.S., the District of Columbia and Puerto Rico. Products and services are offered primarily through MassMutual's distribution channels: MassMutual Financial Advisors, MassMutual Strategic Distributors, Institutional Solutions and Worksite.

MassMutual was established on May 15, 1851 and is organized as a mutual life insurance company in Massachusetts. MassMutual's home office is located at 1295 State Street, Springfield, Massachusetts 01111-0001. C.M. Life's business address is 1295 State Street , Springfield, Massachusetts 01111-0001.

**THE SEPARATE ACCOUNT**

We established C.M. Multi-Account A (Separate Account) as a Separate Account under Connecticut law on August 3, 1994. The Separate Account is registered with the Securities and Exchange Commission as a unit investment trust under the Investment Company Act of 1940.

The Separate Account holds the assets that underlie the Contracts, except those assets allocated to our General Account. We keep the Separate Account assets separate from the assets of our General Account and other separate accounts. The Separate Account is divided into sub-accounts, each of which invests exclusively in a single investment choice.

We own the assets of the Separate Account. We credit gains to, or charge losses against, the Separate Account, whether or not realized, without regard to the performance of other investment accounts. The Separate Account's assets may not be used to pay any of our liabilities other than those arising from the Contracts. If the Separate Account's assets exceed the required reserves and other liabilities, we may transfer the excess to our General Account. The obligations of the Separate Account are not our generalized obligations and will be satisfied solely by the assets of the Separate Account.

**ASSIGNMENT OF CONTRACT**

In certain states, the Contract cannot be assigned without C.M. Life's approval. C.M. Life will refuse or accept any request to assign the Contract on a non-discriminatory basis. Please refer to your Contract.

The Company will not be charged with notice of any assignment of a Contract or of the interest of any Beneficiary or of any other person unless the assignment is in writing and the Company receives the original or a true copy thereof at its Service Center. The Company assumes no responsibility for the validity of any assignment.

For Qualified Contracts, the following provisions should be noted:

&nbsp;&nbsp;&nbsp;&nbsp;(1) No person entitled to receive Annuity Payments under a Contract or part or all of the Contract's Value will be permitted to commute, anticipate, encumber, alienate or assign such amounts, except upon the written authority of the Contract Owner given during the Annuitant's lifetime and received in Good Order by the Company at its Service Center. To the extent permitted by law, no Contract nor any proceeds or interest payable thereunder will be subject to the Annuitant's or any other person's debts, contracts or engagements, nor to any levy or attachment for payment thereof;

&nbsp;&nbsp;&nbsp;&nbsp;(2) If an assignment of a Contract is in effect on the maturity date, the Company reserves the right to pay to the assignee in one sum the amount of the Contract's maturity value to which he is entitled, and to pay any balance of such value in one sum to the Contract Owner, regardless of any payment options which the Contract Owner may have elected. Moreover, if an assignment of a Contract is in effect at the death of the Annuitant prior to the maturity date, the Company will pay to the assignee in one sum, to the extent that he is entitled, the greater of: (a) the total of all Purchase Payments, less the net amount of all partial redemptions, and less the amount of any outstanding loan, and (b) the accumulated value of the Contract less the amount of any outstanding loan. Any balance of such value will be paid to the Beneficiary in one sum or applied under one or more of the payment options elected;

&nbsp;&nbsp;&nbsp;&nbsp;(3) Contracts used in connection with a tax-qualified retirement plan must be endorsed to provide that they may not be sold, assigned or pledged for any purpose unless they are owned by the trustee of a trust described in Section 401(a) or by the administrator of an annuity plan described under Section 403(a) of the Internal Revenue Code of 1986, as amended (IRC); and

------

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

&nbsp;&nbsp;&nbsp;&nbsp;(4) Contracts issued under a plan for an Individual Retirement Annuity pursuant to IRC Section 408, or for a Roth Individual Retirement Annuity pursuant to IRC Section 408A, must be endorsed to provide that they are non-transferable. Such Contracts may not be sold, assigned, discounted, or pledged as collateral for a loan or as security for the performance of an obligation or for any other purpose by the Annuitant to any person or party other than the Company, except to a former spouse of the Annuitant in accordance with the terms of a divorce decree or other written instrument incident to a divorce.

Assignments may be subject to federal income tax.

**DISTRIBUTION AND ADMINISTRATION**

The Contract is no longer for sale to the public. Pursuant to separate underwriting agreements with the Company, on its own behalf and on behalf of the Separate Account, MML Investors Services, LLC (MMLIS), a subsidiary of MassMutual, serves as principal underwriter of the Contracts sold by its registered representatives, and MML Strategic Distributors, LLC (MSD), a subsidiary of MassMutual, serves as principal underwriter of the Contracts sold by registered representatives of other broker-dealers who have entered into distribution agreements with MSD.

MMLIS and MSD are located at 1295 State Street, Springfield, MA 01111-0001. MMLIS and MSD are registered with the SEC as broker-dealers under the Securities and Exchange Act of 1934 and are members of the Financial Industry Regulatory Authority (FINRA).

During the last three years, MMLIS and MSD were paid the compensation amounts shown below for their actions as principal underwriters for the Contracts described in the prospectus.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp; **Year** | &nbsp;&nbsp;&nbsp;&nbsp; **MMLIS** | &nbsp;&nbsp;&nbsp;&nbsp; **MSD** |
| &nbsp;&nbsp;&nbsp;&nbsp; 2025 | &nbsp;&nbsp;&nbsp;&nbsp; $53261 | &nbsp;&nbsp;&nbsp;&nbsp; $24327 |
| &nbsp;&nbsp;&nbsp;&nbsp; 2024 | &nbsp;&nbsp;&nbsp;&nbsp; $67405 | &nbsp;&nbsp;&nbsp;&nbsp; $31773 |
| &nbsp;&nbsp;&nbsp;&nbsp; 2023 | &nbsp;&nbsp;&nbsp;&nbsp; $91869 | &nbsp;&nbsp;&nbsp;&nbsp; $35963 |

---

Commissions for sales of the Contracts by MMLIS registered representatives are paid by MassMutual on behalf of MMLIS to its registered representatives. Commissions for sales of the Contracts by registered representatives of other broker-dealers are paid by MassMutual on behalf of MSD to those broker-dealers.

During the last three years, commissions, as described in the prospectus, were paid by MassMutual through MMLIS and MSD as shown below.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp; **Year** | &nbsp;&nbsp;&nbsp;&nbsp; **MMLIS** | &nbsp;&nbsp;&nbsp;&nbsp; **MSD** |
| &nbsp;&nbsp;&nbsp;&nbsp; 2025 | &nbsp;&nbsp;&nbsp;&nbsp; $315164 | &nbsp;&nbsp;&nbsp;&nbsp; $190864 |
| &nbsp;&nbsp;&nbsp;&nbsp; 2024 | &nbsp;&nbsp;&nbsp;&nbsp; $353259 | &nbsp;&nbsp;&nbsp;&nbsp; $192683 |
| &nbsp;&nbsp;&nbsp;&nbsp; 2023 | &nbsp;&nbsp;&nbsp;&nbsp; $419365 | &nbsp;&nbsp;&nbsp;&nbsp; $213052 |

---

We no longer offer the Contract for sale to the public. However, Contract Owners may continue to make Purchase Payments to existing Contracts, subject to the limitations described in the prospectus.

This offering is on a continuous basis.

Under an administration agreement with the Separate Account, MassMutual has agreed to provide and assume: (1) all services and expenses required for the administration of Contracts with assets held by the Separate Account; and (2) all services and expenses required for the administration of the Separate Account. C.M. Life compensated MassMutual for providing these administrative services as shown below.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp; **2025** | &nbsp;&nbsp;&nbsp;&nbsp; **2024** | &nbsp;&nbsp;&nbsp;&nbsp; **2023** |
| &nbsp;&nbsp;&nbsp;&nbsp; $9887248 | &nbsp;&nbsp;&nbsp;&nbsp; $9617097 | &nbsp;&nbsp;&nbsp;&nbsp; $4711796 |

---

**ACCUMULATION UNITS AND UNIT VALUE**

During the Accumulation Phase, Accumulation Units shall be used to account for all amounts allocated to or withdrawn from the Sub-Accounts as a result of Purchase Payments, withdrawals, transfers, or fees and charges. The Company will determine the number of Accumulation Units of a Sub-Account purchased or canceled. This will be done by dividing the amount allocated to (or the amount withdrawn from) the Sub-Account by the dollar value of one Accumulation Unit of the Sub-Account as of the end of the Business Day during which the transaction is received at the Service Center.

------

The Accumulation Unit value for each Sub-Account was arbitrarily set initially at $10. Subsequent Accumulation Unit values for each Sub-Account are determined for each day in which the New York Stock Exchange is open for business (Business Day) by multiplying the Accumulation Unit value for the immediately preceding Business Day by the net investment factor for the Sub-Account for the current Business Day.

The net investment factor for each Sub-Account is determined by dividing A by B and subtracting C where:

A is (i) the net asset value per share of the funding vehicle or portfolio of a funding vehicle held by the Sub-Account for the current Business Day; plus (ii) any dividend per share declared on behalf of such funding vehicle or portfolio of a funding vehicle that has an ex-dividend date within the current Business Day; less (iii) the cumulative charge or credit for taxes reserved which is determined by the Company to have resulted from the operation or maintenance of the Sub-Account.

B is the net asset value per share of the funding vehicle or portfolio held by the Sub-Account for the immediately preceding Business Day, minus the cumulative charge or credit for taxes reserved which is determined by C.M. Life to have resulted from the operation or maintenance of the Sub-Account as of the immediately preceding Business Day.

C is the cumulative charge since the immediately preceding Business Day for the mortality and expense risk charge and for the administrative charge.

The Accumulation Unit value may increase or decrease from Business Day to Business Day.

**TRANSFERS DURING THE INCOME PHASE**

Transfers of annuity reserves between Sub-Accounts will be made by converting the number of annuity units attributable to the annuity reserves being transferred to the number of annuity units of the Sub-Account to which the transfer is made, so that the next Annuity Payment if it were made at that time would be the same amount that it would have been without the transfer. Thereafter, Annuity Payments will reflect changes in the value of the new annuity units.

The amount transferred to the General Account from a Sub-Account will be based on the annuity reserves for the Contract. Transfers to the General Account will be made by converting the annuity units being transferred to purchase fixed Annuity Payments under the Annuity Option in effect and based on the Age of the Annuitant at the time of the transfer.

See the "Transfers and Transfer Programs – Transfers During the Income Phase" section in the prospectus for more information about transfers during the Income Phase.

**PAYMENT OF DEATH BENEFIT**

The Company will require due proof of death before any death benefit is paid. Due proof of death will be:

&nbsp;&nbsp;&nbsp;&nbsp;(1) a certified death certificate;

&nbsp;&nbsp;&nbsp;&nbsp;(2) a certified decree of a court of competent jurisdiction as to the finding of death; or

&nbsp;&nbsp;&nbsp;&nbsp;(3) any other proof satisfactory to the Company.

All death benefits will be paid in accordance with applicable law or regulations governing death benefit payments.

The Beneficiary designation in effect on the date we issue the Contract will remain in effect until changed. Unless the Contract Owner provides otherwise, the death benefit will be paid in equal shares to the Beneficiary(ies) as follows:

&nbsp;&nbsp;&nbsp;&nbsp;(1) to the primary Beneficiary(ies) who survive the Contract Owner's and/or the Annuitant's death, as applicable; or

&nbsp;&nbsp;&nbsp;&nbsp;(2) if there is no primary Beneficiary who survives the Contract Owner's death and/or any Annuitant's death, as applicable, to the contingent Beneficiary(ies) who survive the Contract Owner's and/or the Annuitant's death, as applicable; or

&nbsp;&nbsp;&nbsp;&nbsp;(3) if there is no primary or contingent Beneficiary who survives the Contract Owner's death and/or any Annuitant's death, as applicable, to the Contract Owner or the Contract Owner's estate.

You may name an irrevocable Beneficiary(ies). In that case, a change involving the irrevocable Beneficiary requires the consent of the irrevocable Beneficiary. If an irrevocable Beneficiary is named, the Contract Owner retains all other contractual rights.

See the "Death Benefit" section in the prospectus for more information on death benefits.

------

**ANNUITY PAYMENTS**

A variable Annuity Payment is an annuity with payments which:

&nbsp;&nbsp;&nbsp;&nbsp;(1) are not predetermined as to dollar amount; and

&nbsp;&nbsp;&nbsp;&nbsp;(2) will vary in amount with the net investment results of the applicable Sub-Accounts.

Annuity Payments also depend upon the Age of the Annuitant and any joint Annuitant and the assumed interest factor utilized and may vary by gender of the Annuitant and any joint Annuitant. The annuity table used will depend upon the Annuity Option chosen. The dollar amount of Annuity Payments after the first is determined as follows:

&nbsp;&nbsp;&nbsp;&nbsp;(1) The dollar amount of the first Annuity Payment is divided by the value of an annuity unit as of the Annuity Date. This establishes the number of annuity units for each Annuity Payment. The number of annuity units will remain the same for the life of the Contract unless you transfer among investment options during the Income Phase or if you elected an Annuity Option with reduced payments to the survivor and the reduced payments to a survivor commence.

&nbsp;&nbsp;&nbsp;&nbsp;(2) For each Sub-Account, the fixed number of annuity units is multiplied by the annuity unit value on each subsequent Annuity Payment date.

&nbsp;&nbsp;&nbsp;&nbsp;(3) The total dollar amount of each variable Annuity Payment is the sum of all Sub-Account variable Annuity Payments.

The number of annuity units is determined as follows:

&nbsp;&nbsp;&nbsp;&nbsp;(1) The number of annuity units credited in each Sub-Account will be determined by dividing the product of the portion of the Contract Value to be applied to the Sub-Account and the annuity purchase rate by the value of one annuity unit in that Sub-Account on the Annuity Date. The purchase rates are set forth in the variable annuity rate tables in the Contract.

&nbsp;&nbsp;&nbsp;&nbsp;(2) For each Sub-Account, the amount of each Annuity Payment equals the product of the Annuitant's number of annuity units and the annuity unit value on the payment date. The amount of each payment may vary.

The value of any annuity unit for each Sub-Account was arbitrarily set initially at $10. The Sub-Account annuity unit value at the end of any subsequent valuation period is determined as follows:

&nbsp;&nbsp;&nbsp;&nbsp;(1) The net investment factor for the current Business Day is multiplied by the value of the annuity unit for the Sub-Account for the immediately preceding Business Day.

&nbsp;&nbsp;&nbsp;&nbsp;(2) The result in (1) is then divided by an assumed investment rate factor. The assumed investment rate factor equals 1.00 plus the assumed investment rate for the number of days since the preceding Business Day. The assumed investment rate is based on an effective annual rate of 4%.

The value of an annuity unit may increase or decrease from Business Day to Business Day. See "The Income Phase" section in the prospectus for more information.

**EXPERTS**

The financial statements of C.M. Multi-Account A as of December 31, 2025 and for each of the years in the two-year period then ended and the financial highlights for each of the years in the five-year period then ended and the statutory financial statements of C.M. Life Insurance Company (the Company) as of December 31, 2025 and 2024, and for each of the years in the three-year period ended December 31, 2025, each have been included in this Statement of Additional Information herein in reliance upon the reports of KPMG LLP, an independent registered public accounting firm, each of which are also included herein, and upon the authority of said firm as experts in accounting and auditing. KPMG LLP's report, dated February 26, 2026, states that the Company prepared its financial statements using statutory accounting practices prescribed or permitted by the State of Connecticut Insurance Department (statutory accounting practices), which is a basis of accounting other than U.S. generally accepted accounting principles. Accordingly, KPMG LLP's report states that the financial statements of the Company are not intended to be and, therefore, are not presented fairly in accordance with U.S. generally accepted accounting principles and further states that those statements are presented fairly, in all material respects, in accordance with the statutory accounting practices. The principal business address of KPMG LLP is One Financial Plaza, 755 Main Street, Hartford, Connecticut 06103.

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**FINANCIAL STATEMENTS**

The December 31, 2025 financial statements of C.M. Multi-Account A and the December 31, 2025 financial statements of C.M. Life Insurance Company are incorporated into this SAI by reference to C.M. Multi-Account A's most recent Form N-VPFS ("[Form N-VPFS](https://www.sec.gov/Archives/edgar/data/928407/000113322826003884/mmpp-efp18390_nvpfs.htm)") filed with the SEC.

AN6103-SAI

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**PART C**<br>**OTHER INFORMATION**

**Item** **27. Exhibits**

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp; **Exhibit (a)** | [C.M. Life Insurance Company Board of Directors Resolution establishing the C.M. Multi-Account A Separate Account – Incorporated by reference to Post-Effective Amendment No. 24 to Registration Statement File No. 333-95845 filed April 28, 2022](https://www.sec.gov/Archives/edgar/data/928407/000113322822002738/nc10028377x1_ex99a.htm) | [C.M. Life Insurance Company Board of Directors Resolution establishing the C.M. Multi-Account A Separate Account – Incorporated by reference to Post-Effective Amendment No. 24 to Registration Statement File No. 333-95845 filed April 28, 2022](https://www.sec.gov/Archives/edgar/data/928407/000113322822002738/nc10028377x1_ex99a.htm) | [C.M. Life Insurance Company Board of Directors Resolution establishing the C.M. Multi-Account A Separate Account – Incorporated by reference to Post-Effective Amendment No. 24 to Registration Statement File No. 333-95845 filed April 28, 2022](https://www.sec.gov/Archives/edgar/data/928407/000113322822002738/nc10028377x1_ex99a.htm) |
| &nbsp;&nbsp; **Exhibit (b)** | Not Applicable. | Not Applicable. | Not Applicable. |
| &nbsp;&nbsp; **Exhibit (c)** | i. | [Underwriting and Servicing Agreement dated December 16, 2014 by and between MML Investors Services, LLC and C.M. Life Insurance Company – Incorporated by reference to Initial Registration Statement to Registration Statement File No. 333-259818 filed September 27, 2021](https://www.sec.gov/Archives/edgar/data/943863/000114036121032606/nc10028327x1_ex99ci.htm) | [Underwriting and Servicing Agreement dated December 16, 2014 by and between MML Investors Services, LLC and C.M. Life Insurance Company – Incorporated by reference to Initial Registration Statement to Registration Statement File No. 333-259818 filed September 27, 2021](https://www.sec.gov/Archives/edgar/data/943863/000114036121032606/nc10028327x1_ex99ci.htm) |
|  | ii. | [Underwriting and Servicing Agreement (Distribution Servicing Agreement) dated April 1, 2014 between MML Strategic Distributors, LLC and C.M. Life Insurance Company – Incorporated by reference to Initial Registration Statement to Registration Statement File No. 333-259818 filed September 27, 2021](https://www.sec.gov/Archives/edgar/data/943863/000114036121032606/nc10028327x1_ex99cii.htm) | [Underwriting and Servicing Agreement (Distribution Servicing Agreement) dated April 1, 2014 between MML Strategic Distributors, LLC and C.M. Life Insurance Company – Incorporated by reference to Initial Registration Statement to Registration Statement File No. 333-259818 filed September 27, 2021](https://www.sec.gov/Archives/edgar/data/943863/000114036121032606/nc10028327x1_ex99cii.htm) |
|  | iii. | [Template for Insurance Product Distribution Agreement (version 4/2021) (MML Strategic Distributors, LLC and Massachusetts Mutual Life Insurance Company and C.M. Life Insurance Company) – Incorporated by reference to Post-Effective Amendment No. 2 to Registration Statement File No. 333-255824 filed April 25, 2023](https://www.sec.gov/Archives/edgar/data/1052766/000113322823002833/app10048721x1_ex99ciii.htm) | [Template for Insurance Product Distribution Agreement (version 4/2021) (MML Strategic Distributors, LLC and Massachusetts Mutual Life Insurance Company and C.M. Life Insurance Company) – Incorporated by reference to Post-Effective Amendment No. 2 to Registration Statement File No. 333-255824 filed April 25, 2023](https://www.sec.gov/Archives/edgar/data/1052766/000113322823002833/app10048721x1_ex99ciii.htm) |
| &nbsp;&nbsp; **Exhibit (d)** | i. | [Individual Variable Deferred Annuity Contract with Flexible Purchase Payment – Incorporated by reference to Post-Effective Amendment No. 24 to Registration Statement File No. 333-95845 filed April 28, 2022](https://www.sec.gov/Archives/edgar/data/928407/000113322822002738/nc10028377x1_ex99di.htm) | [Individual Variable Deferred Annuity Contract with Flexible Purchase Payment – Incorporated by reference to Post-Effective Amendment No. 24 to Registration Statement File No. 333-95845 filed April 28, 2022](https://www.sec.gov/Archives/edgar/data/928407/000113322822002738/nc10028377x1_ex99di.htm) |
|  | ii. | [Governmental 457(b) Deferred Compensation Plan Rider – Incorporated by reference to Post-Effective Amendment No. 24 to Registration Statement File No. 333-95845 filed April 28, 2022](https://www.sec.gov/Archives/edgar/data/928407/000113322822002738/nc10028377x1_ex99dii.htm) | [Governmental 457(b) Deferred Compensation Plan Rider – Incorporated by reference to Post-Effective Amendment No. 24 to Registration Statement File No. 333-95845 filed April 28, 2022](https://www.sec.gov/Archives/edgar/data/928407/000113322822002738/nc10028377x1_ex99dii.htm) |
|  | iii. | [Individual Retirement Annuity Rider – Incorporated by reference to Post-Effective Amendment No. 24 to Registration Statement File No. 333-95845 filed April 28, 2022](https://www.sec.gov/Archives/edgar/data/928407/000113322822002738/nc10028377x1_ex99diii.htm) | [Individual Retirement Annuity Rider – Incorporated by reference to Post-Effective Amendment No. 24 to Registration Statement File No. 333-95845 filed April 28, 2022](https://www.sec.gov/Archives/edgar/data/928407/000113322822002738/nc10028377x1_ex99diii.htm) |
|  | iv. | 1. | [ERISA Tax Sheltered Annuity Rider – Incorporated by reference to Post-Effective Amendment No. 24 to Registration Statement File No. 333-95845 filed April 28, 2022](https://www.sec.gov/Archives/edgar/data/928407/000113322822002738/nc10028377x1_ex99div1.htm) |
|  |  | 2. | [Non-ERISA Tax Sheltered Annuity Rider – Incorporated by reference to Post-Effective Amendment No. 24 to Registration Statement File No. 333-95845 filed April 28, 2022](https://www.sec.gov/Archives/edgar/data/928407/000113322822002738/nc10028377x1_ex99div2.htm) |
|  | v. | [Basic Death Benefit Endorsement – Incorporated by reference to Post-Effective Amendment No. 24 to Registration Statement File No. 333-95845 filed April 28, 2022](https://www.sec.gov/Archives/edgar/data/928407/000113322822002738/nc10028377x1_ex99dv.htm) | [Basic Death Benefit Endorsement – Incorporated by reference to Post-Effective Amendment No. 24 to Registration Statement File No. 333-95845 filed April 28, 2022](https://www.sec.gov/Archives/edgar/data/928407/000113322822002738/nc10028377x1_ex99dv.htm) |
|  | vi. | [Terminal Illness Endorsement – Incorporated by reference to Post-Effective Amendment No. 24 to Registration Statement File No. 333-95845 filed April 28, 2022](https://www.sec.gov/Archives/edgar/data/928407/000113322822002738/nc10028377x1_ex99dvi.htm) | [Terminal Illness Endorsement – Incorporated by reference to Post-Effective Amendment No. 24 to Registration Statement File No. 333-95845 filed April 28, 2022](https://www.sec.gov/Archives/edgar/data/928407/000113322822002738/nc10028377x1_ex99dvi.htm) |
|  | vii. | [Unisex Rate Endorsement – Incorporated by reference to Post-Effective Amendment No. 24 to Registration Statement File No. 333-95845 filed April 28, 2022](https://www.sec.gov/Archives/edgar/data/928407/000113322822002738/nc10028377x1_ex99dvii.htm) | [Unisex Rate Endorsement – Incorporated by reference to Post-Effective Amendment No. 24 to Registration Statement File No. 333-95845 filed April 28, 2022](https://www.sec.gov/Archives/edgar/data/928407/000113322822002738/nc10028377x1_ex99dvii.htm) |
| &nbsp;&nbsp; **Exhibit (e)** | [Form of Application – Incorporated by reference to Post-Effective Amendment No. 24 to Registration Statement File No. 333-95845 filed April 28, 2022](https://www.sec.gov/Archives/edgar/data/928407/000113322822002738/nc10028377x1_ex99e.htm) | [Form of Application – Incorporated by reference to Post-Effective Amendment No. 24 to Registration Statement File No. 333-95845 filed April 28, 2022](https://www.sec.gov/Archives/edgar/data/928407/000113322822002738/nc10028377x1_ex99e.htm) | [Form of Application – Incorporated by reference to Post-Effective Amendment No. 24 to Registration Statement File No. 333-95845 filed April 28, 2022](https://www.sec.gov/Archives/edgar/data/928407/000113322822002738/nc10028377x1_ex99e.htm) |
| &nbsp;&nbsp; **Exhibit (f)** | i. | [Charter documentation of C.M. Life Insurance Company as approved April 25, 1980 – Incorporated by reference to Initial Registration Statement to Registration Statement File No. 333-259818 filed September 27, 2021](https://www.sec.gov/Archives/edgar/data/943863/000114036121032606/nc10028327x1_ex99fi.htm) | [Charter documentation of C.M. Life Insurance Company as approved April 25, 1980 – Incorporated by reference to Initial Registration Statement to Registration Statement File No. 333-259818 filed September 27, 2021](https://www.sec.gov/Archives/edgar/data/943863/000114036121032606/nc10028327x1_ex99fi.htm) |
|  | ii. | [By-Laws of C.M. Life Insurance Company – Incorporated by reference to Initial Registration Statement to Registration Statement File No. 333-259818 filed September 27, 2021](https://www.sec.gov/Archives/edgar/data/943863/000114036121032606/nc10028327x1_ex99fii.htm) | [By-Laws of C.M. Life Insurance Company – Incorporated by reference to Initial Registration Statement to Registration Statement File No. 333-259818 filed September 27, 2021](https://www.sec.gov/Archives/edgar/data/943863/000114036121032606/nc10028327x1_ex99fii.htm) |
| &nbsp;&nbsp; **Exhibit (g)** | Not Applicable. | Not Applicable. | Not Applicable. |
| &nbsp;&nbsp; **Exhibit (h)** | i. | Fund Participation Agreements | Fund Participation Agreements |

---

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

a. AIM Funds (Invesco Funds)

1. [Participation Agreement dated April 30, 2004 (AIM Variable Insurance Funds, Inc., A I M Distributors, Inc. and C.M. Life Insurance Company) – Incorporated by reference to Initial Registration Statement to Registration Statement File No. 333-259818 filed September 27, 2021](https://www.sec.gov/Archives/edgar/data/943863/000114036121032606/nc10028327x1_ex99hia1.htm)

i. [Amendment No. 1 dated April 30, 2010 – Incorporated by reference to Initial Registration Statement to Registration Statement File No. 333-259818 filed September 27, 2021](https://www.sec.gov/Archives/edgar/data/943863/000114036121032606/nc10028327x1_ex99hia1i.htm)

ii. [Amendment No. 2 effective May 24, 2019 (MML Bay State Life Insurance Company becomes a party) – Incorporated by reference to Post-Effective Amendment No. 35 to Registration Statement File No. 333-49457 filed April 28, 2021](https://www.sec.gov/Archives/edgar/data/943863/000110465921056474/tm2035261d1_ex99hia1.htm)

iii. [Amendment dated May 3, 2021 regarding Rules 30e-3 and 498A – Incorporated by reference to Post-Effective Amendment No. 1 to Registration Statement File No. 333-259818 filed April 28, 2022](https://www.sec.gov/Archives/edgar/data/943863/000113322822002734/app10032344x1_ex99hia1iii.htm)

2. [Financial Support Agreement dated October 1, 2016 (Invesco Distributors, Inc. and C.M. Life Insurance Company and MML Bay State Life Insurance Company becomes a party) – Incorporated by reference to Post-Effective Amendment No. 21 to Registration Statement File No. 333-49457 filed April 26, 2017](https://www.sec.gov/Archives/edgar/data/943863/000119312517139636/d291081dex9926hia.htm)

i. [Amendment No. 1 effective May 24, 2019 – Incorporated by reference to Post-Effective Amendment No. 35 to Registration Statement File No. 333-49457 filed April 28, 2021](https://www.sec.gov/Archives/edgar/data/943863/000110465921056474/tm2035261d1_ex99hia2.htm)

ii. [Amendment effective April 1, 2022 – Incorporated by reference to Post-Effective Amendment No. 2 to Registration Statement File No. 333-259818 filed April 25, 2023](https://www.sec.gov/Archives/edgar/data/943863/000113322823002832/app10048719x1_ex99hia2ii.htm)

3. [Administrative Services Agreement dated October 1, 2016 (Invesco Advisers, Inc. and C.M. Life Insurance Company and MML Bay State Life Insurance Company becomes a party) – Incorporated by reference to Pre-Effective Amendment No. 1 to Registration Statement File No. 333-259818 filed December 17, 2021](https://www.sec.gov/Archives/edgar/data/943863/000114036121042255/app10031384x1_ex99hia3.htm)

i. [Amendment No. 1 effective May 24, 2019 – Incorporated by reference to Post-Effective Amendment No. 35 to Registration Statement File No. 333-49457 filed April 28, 2021](https://www.sec.gov/Archives/edgar/data/943863/000110465921056474/tm2035261d1_ex99hia3.htm)

b. Fidelity <sup>®</sup> Funds

1. [Amended and Restated Participation Agreement dated September 28, 2021 (Fidelity Distributors Company, LLC, Variable Insurance Products Fund, Variable Insurance Products Fund II, Variable Insurance Products Fund III, Variable Insurance Products Fund IV and Variable Insurance Products Fund V and C.M. Life Insurance Company) – Incorporated by reference to Pre-Effective Amendment No. 1 to Registration Statement File No. 333-259818 filed December 17, 2021](https://www.sec.gov/Archives/edgar/data/943863/000114036121042255/app10031384x1_ex99hii1.htm)

i. [First Amendment dated September 28, 2021 – Incorporated by reference to Pre-Effective Amendment No. 1 to Registration Statement File No. 333-259818 filed December 17, 2021](https://www.sec.gov/Archives/edgar/data/943863/000114036121042255/app10031384x1_ex99hii1i.htm)

ii. [Second Amendment effective August 7, 2023 – Incorporated by reference to Initial Registration Statement File No. 333-274306 filed September 1, 2023](https://www.sec.gov/Archives/edgar/data/943863/000113322823005287/mmavcm-html6678_ex99hid1ii.htm)

2. [Summary Prospectus Agreement effective May 1, 2011 (Fidelity Distributors Corporation and Massachusetts Mutual Life Insurance Company, C.M. Life Insurance Company, and MML Bay State Life Insurance Company) – Incorporated by reference to Post-Effective Amendment No. 28 to Registration Statement File No. 333-45039 filed June 25, 2021](https://www.sec.gov/Archives/edgar/data/1052766/000093041321001239/c101798_ex99-hib2.htm)

3. [Service Contract dated January 1, 2004 (MML Investors Services, LLC, MML Strategic Distributors, LLC, and MML Distributors, LLC and Massachusetts Mutual Life Insurance Company) – Incorporated by reference to Pre-Effective Amendment No. 2 to Registration Statement File No. 333-215823 filed June 14, 2017](https://www.sec.gov/Archives/edgar/data/836249/000119312517203509/d256121dex9926hig3.htm)

i. [First Amendment dated October 1, 2008 – Incorporated by reference to Pre-Effective Amendment No. 2 to Registration Statement File No. 333-215823 filed June 14, 2017](https://www.sec.gov/Archives/edgar/data/836249/000119312517203509/d256121dex9926hig3a.htm)

ii. [Second Amendment dated May 22, 2017 – Incorporated by reference to Post-Effective Amendment No. 11 to Registration Statement File No. 333-206438 filed November 15, 2021](https://www.sec.gov/Archives/edgar/data/836249/000114036121037839/nc10028325x1_ex9930hib3ii.htm)

iii. [Third Amendment dated November 1, 2018 – Incorporated by reference to Initial Registration Statement to Registration Statement File No. 333-259818 filed September 27, 2021](https://www.sec.gov/Archives/edgar/data/943863/000114036121032606/nc10028327x1_ex99hii3i.htm)

iv. [Fourth Amendment dated September 28, 2021 (C.M. Life Insurance Company becomes a party to the Agreement) – Incorporated by reference to Post-Effective Amendment No. 11 to Registration Statement File No. 333-206438 filed November 15, 2021](https://www.sec.gov/Archives/edgar/data/836249/000114036121037839/nc10028325x1_ex9930hib3iv.htm)

4. [Service Agreement effective September 28, 2021 – Incorporated by reference to Pre-Effective Amendment No. 1 to Registration Statement File No. 333-259818 filed December 17, 2021](https://www.sec.gov/Archives/edgar/data/943863/000114036121042255/app10031384x1_ex99hii4.htm)

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

c. MML Funds

1. [Participation Agreement dated August 15, 2008 (MML Series Investment Fund, American Funds Insurance Series, Capital Research and Management Company, and Massachusetts Mutual Life Insurance Company) – Incorporated by reference to Initial Registration Statement File No. 333-259818 filed September 27, 2021](https://www.sec.gov/Archives/edgar/data/943863/000114036121032606/nc10028327x1_ex99hip1.htm)

i. First
 Amendment to Participation Agreement effective March 17, 2017 – Incorporated by reference to Post-Effective Amendment
 No. 6 to Registration Statement File No. 333-259818 filed on or about April 24, 2026

ii. Second
 Amendment to Participation Agreement effective March 31, 2026 – Incorporated by reference to Post-Effective Amendment
 No. 6 to Registration Statement File No. 333-259818 filed on or about April 24, 2026

2. [Participation Agreement dated November 17, 2005 (MML Series Investment Fund, Massachusetts Mutual Life Insurance Company and MML Bay State Life Insurance Company and C.M. Life Insurance Company) – Incorporated by reference to Post-Effective Amendment No. 28 to Registration Statement File No. 333-45039 filed June 25, 2021](https://www.sec.gov/Archives/edgar/data/1052766/000093041321001239/c101798_ex99-hic1.htm)

i. [First Amendment effective November 17, 2005 – Incorporated by reference to Post-Effective Amendment No. 28 to Registration Statement File No. 333-45039 filed June 25, 2021](https://www.sec.gov/Archives/edgar/data/1052766/000093041321001239/c101798_ex99-hic1a.htm)

ii. [Second Amendment dated as of August 26, 2008 – Incorporated by reference to Post-Effective Amendment No. 28 to Registration Statement File No. 333-45039 filed June 25, 2021](https://www.sec.gov/Archives/edgar/data/1052766/000093041321001239/c101798_ex99-hic1b.htm)

iii. [Third Amendment dated April 9, 2010 – Incorporated by reference to Post-Effective Amendment No. 28 to Registration Statement File No. 333-45039 filed June 25, 2021](https://www.sec.gov/Archives/edgar/data/1052766/000093041321001239/c101798_ex99-hic1c.htm)

iv. [Fourth Amendment dated and effective July 23, 2010 – Incorporated by reference to Post-Effective Amendment No. 28 to Registration Statement File No. 333-45039 filed June 25, 2021](https://www.sec.gov/Archives/edgar/data/1052766/000093041321001239/c101798_ex99-hic1d.htm)

v. [Fifth Amendment dated August 28, 2012 – Incorporated by reference to Post-Effective Amendment No. 28 to Registration Statement File No. 333-45039 filed June 25, 2021](https://www.sec.gov/Archives/edgar/data/1052766/000093041321001239/c101798_ex99-hic1e.htm)

vi. [Sixth Amendment dated April 1, 2014 – Incorporated by reference to Post-Effective Amendment No. 28 to Registration Statement File No. 333-45039 filed June 25, 2021](https://www.sec.gov/Archives/edgar/data/1052766/000093041321001239/c101798_ex99-hic1f.htm)

vii. [Seventh Amendment dated August 11, 2015 – Incorporated by reference to Post-Effective Amendment No. 28 to Registration Statement File No. 333-45039 filed June 25, 2021](https://www.sec.gov/Archives/edgar/data/1052766/000093041321001239/c101798_ex99-hic1g.htm)

viii. [Eighth Amendment dated February 20, 2020 – Incorporated by reference to Post-Effective Amendment No. 7 to Registration Statement File No. 333-202684 filed April 28, 2020](https://www.sec.gov/Archives/edgar/data/1052766/000110465920052022/tm1924860d1_ex99-24b8id.htm)

ix. [Ninth Amendment dated June 2, 2021 regarding Rules 30e-3 and 498A – Incorporated by reference to Pre-Effective Amendment No. 1 to Registration Statement File No. 333-255824 filed August 24, 2021](https://www.sec.gov/Archives/edgar/data/1052766/000110465921108882/tm218782d9_exhie2i.htm)

d. MML II Funds

1. [Participation Agreement dated November 17, 2005 (MML Series Investment Fund II, Massachusetts Mutual Life Insurance Company and MML Bay State Life Insurance Company and C.M. Life Insurance Company) – Incorporated by reference to Post-Effective Amendment No. 28 to Registration Statement File No. 333-45039 filed June 25, 2021](https://www.sec.gov/Archives/edgar/data/1052766/000093041321001239/c101798_ex99-hid1.htm)

i. [First Amendment effective November 17, 2005 – Incorporated by reference to Post-Effective Amendment No. 28 to Registration Statement File No. 333-45039 filed June 25, 2021](https://www.sec.gov/Archives/edgar/data/1052766/000093041321001239/c101798_ex99-hid1a.htm)

ii. [Second Amendment dated as of August 26, 2008 – Incorporated by reference to Post-Effective Amendment No. 28 to Registration Statement File No. 333-45039 filed June 25, 2021](https://www.sec.gov/Archives/edgar/data/1052766/000093041321001239/c101798_ex99-hid1b.htm)

iii. [Third Amendment dated as of April 9, 2010 – Incorporated by reference to Post-Effective Amendment No. 28 to Registration Statement File No. 333-45039 filed June 25, 2021](https://www.sec.gov/Archives/edgar/data/1052766/000093041321001239/c101798_ex99-hid1c.htm)

iv. [Fourth Amendment dated and effective July 23, 2010 – Incorporated by reference to Post-Effective Amendment No. 28 to Registration Statement File No. 333-45039 filed June 25, 2021](https://www.sec.gov/Archives/edgar/data/1052766/000093041321001239/c101798_ex99-hid1d.htm)

v. [Fifth Amendment dated August 1, 2011 – Incorporated by reference to Post-Effective Amendment No. 28 to Registration Statement File No. 333-45039 filed June 25, 2021](https://www.sec.gov/Archives/edgar/data/1052766/000093041321001239/c101798_ex99-hid1e.htm)

vi. [Sixth Amendment dated and effective August 28, 2012 – Incorporated by reference to Post-Effective Amendment No. 28 to Registration Statement File No. 333-45039 filed June 25, 2021](https://www.sec.gov/Archives/edgar/data/1052766/000093041321001239/c101798_ex99-hid1f.htm)

vii. [Seventh Amendment dated and effective November 12, 2012 – Incorporated by reference to Post-Effective Amendment No. 28 to Registration Statement File No. 333-45039 filed June 25, 2021](https://www.sec.gov/Archives/edgar/data/1052766/000093041321001239/c101798_ex99-hid1g.htm)

viii. [Eighth Amendment dated April 1, 2014 – Incorporated by reference to Post-Effective Amendment No. 28 to Registration Statement File No. 333-45039 filed June 25, 2021](https://www.sec.gov/Archives/edgar/data/1052766/000093041321001239/c101798_ex99-hid1h.htm)

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

ix. [Ninth Amendment dated August 11, 2015 – Incorporated by reference to Post-Effective Amendment No. 28 to Registration Statement File No. 333-45039 filed June 25, 2021](https://www.sec.gov/Archives/edgar/data/1052766/000093041321001239/c101798_ex99-hid1i.htm)

x. [Tenth Amendment dated February 20, 2020 – Incorporated by reference to Post-Effective Amendment No. 7 to Registration Statement File No. 333-202684 filed April 28, 2020](https://www.sec.gov/Archives/edgar/data/1052766/000110465920052022/tm1924860d1_ex99-24b8ie.htm)

xi. [Eleventh Amendment dated June 2, 2021 regarding Rules 30e-3 and 498A – Incorporated by reference to Pre-Effective Amendment No. 1 to Registration Statement File No. 333-255824 filed August 24, 2021](https://www.sec.gov/Archives/edgar/data/1052766/000110465921108882/tm218782d9_exhif1k.htm)

e. PIMCO Funds

1. [Participation Agreement dated as of April 21, 2006 (Massachusetts Mutual Life Insurance Company, C.M. Life Insurance Company and PIMCO Variable Insurance Trust and Allianz Global Investors Distributors LLC) – Incorporated by reference to Post-Effective Amendment No. 28 to Registration Statement File No. 333-45039 filed June 25, 2021](https://www.sec.gov/Archives/edgar/data/1052766/000093041321001239/c101798_ex99-hie1.htm)

i. [Amendment No. 1 effective as of June 30, 2008 – Incorporated by reference to Post-Effective Amendment No. 28 to Registration Statement File No. 333-45039 filed June 25, 2021](https://www.sec.gov/Archives/edgar/data/1052766/000093041321001239/c101798_ex99-hie1a.htm)

ii. [New Agreements and Amendments dated November 10, 2010 – Incorporated by reference to Post-Effective Amendment No. 28 to Registration Statement File No. 333-45039 filed June 25, 2021](https://www.sec.gov/Archives/edgar/data/1052766/000093041321001239/c101798_ex99-hie1b.htm)

iii. [Amendment effective as of May 1, 2011 – Incorporated by reference to Post-Effective Amendment No. 28 to Registration Statement File No. 333-45039 filed June 25, 2021](https://www.sec.gov/Archives/edgar/data/1052766/000093041321001239/c101798_ex99-hie1c.htm)

iv. [Amendment signed March 1, 2017 – Incorporated by reference to Post-Effective Amendment No. 18 to Registration Statement File No. 333-95845 filed April 26, 2017](https://www.sec.gov/Archives/edgar/data/928407/000119312517139512/d307514dex998i.htm)

2. [Termination Agreement dated November 10, 2010 – Incorporated by reference to Post-Effective Amendment No. 28 to Registration Statement File No. 333-45039 filed June 25, 2021](https://www.sec.gov/Archives/edgar/data/1052766/000093041321001239/c101798_ex99-hie1b.htm)

3. [Selling Agreement executed on April 26, 2006 (Allianz Global Investors Distributors LLC, Massachusetts Mutual Life Insurance Company and C.M. Life Insurance Company) for Advisor Class Shares of PIMCO Variable Insurance Trust – Incorporated by reference to Post-Effective Amendment No. 28 to Registration Statement File No. 333-45039 filed June 25, 2021](https://www.sec.gov/Archives/edgar/data/1052766/000093041321001239/c101798_ex99-hie2.htm)

4. [Services Agreement (Trust) for PIMCO Variable Insurance Trust (Pacific Investment Management Company LLC, Massachusetts Mutual Life Insurance Company and C.M. Life Insurance Company) effective as of March 1, 2017 – Incorporated by reference to Pre-Effective Amendment No. 2 to Registration Statement File No. 333-215823 filed June 14, 2017](https://www.sec.gov/Archives/edgar/data/836249/000119312517203509/d256121dex9926hiq5.htm)

i. [Amendment No. 1 dated November 1, 2020 – Incorporated by reference to Post-Effective Amendment No. 18 to Registration Statement File No. 333-150916 filed April 28, 2021](https://www.sec.gov/Archives/edgar/data/836249/000110465921056469/tm2035263d1_ex-hie3.htm)

f. Voya Funds

1. [Participation Agreement dated April 26, 2006 (C.M. Life Insurance Company, ING Funds Distributor, LLC and ING Variable Products Trust) – Incorporated by reference to Post-Effective Amendment No. 24 to Registration Statement File No. 333-95845 filed April 28, 2022](https://www.sec.gov/Archives/edgar/data/928407/000113322822002738/nc10028377x1_ex99hif1.htm)

i. [Amendment dated January 16, 2014 – Incorporated by reference to Post-Effective Amendment No. 24 to Registration Statement File No. 333-95845 filed April 28, 2022](https://www.sec.gov/Archives/edgar/data/928407/000113322822002738/nc10028377x1_ex99hif1i.htm)

ii. [Amendment dated December 23, 2014 and effective as of May 1, 2014 – Incorporated by reference to Post-Effective Amendment No. 24 to Registration Statement File No. 333-95845 filed April 28, 2022](https://www.sec.gov/Archives/edgar/data/928407/000113322822002738/nc10028377x1_ex99hif1ii.htm)

ii. Rule 22c-2 Agreements (Shareholder Information Agreements)

a. [AIM Investment Services, Inc. effective October 16, 2007 (Massachusetts Mutual Life Insurance Company, and C.M. Life Insurance Company) – Incorporated by reference to Initial Registration Statement to Registration Statement File No. 333-259818 filed September 27, 2021](https://www.sec.gov/Archives/edgar/data/943863/000114036121032606/nc10028327x1_ex99hiia.htm)

1. [Amendment No. 1 dated June 30, 2020 – Incorporated by reference to Pre-Effective Amendment 3 to Registration Statement File No. 333-229670 filed October 2, 2020](https://www.sec.gov/Archives/edgar/data/836249/000110465920111640/tm1920344d4_ex99-hiia.htm)

b. [Fidelity Distributors Corporation effective October 16, 2007 (Massachusetts Mutual Life Insurance Company, MML Bay State Life Insurance Company, and C.M. Life Insurance Company) – Incorporated by reference to Post-Effective Amendment No. 28 to Registration Statement File No. 333-45039 filed June 25, 2021](https://www.sec.gov/Archives/edgar/data/1052766/000093041321001239/c101798_ex99-hiib.htm)

------

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

---

| | | |
|:---|:---|:---|
|  | c. | [MML Series Investment Fund effective October 16, 2007 (Massachusetts Mutual Life Insurance Company, MML Bay State Life Insurance Company, and C.M. Life Insurance Company) – Incorporated by reference to Post-Effective Amendment No. 28 to Registration Statement File No. 333-45039 filed June 25, 2021](https://www.sec.gov/Archives/edgar/data/1052766/000093041321001239/c101798_ex99-hiic.htm) |
|  | d. | [MML Series Investment Fund II effective October 16, 2007 (Massachusetts Mutual Life Insurance Company, MML Bay State Life Insurance Company, and C.M. Life Insurance Company) – Incorporated by reference to Post-Effective Amendment No. 28 to Registration Statement File No. 333-45039 filed June 25, 2021](https://www.sec.gov/Archives/edgar/data/1052766/000093041321001239/c101798_ex99-hiid.htm) |
|  | e. | [PIMCO Variable Insurance Trust effective October 16, 2007 (Massachusetts Mutual Life Insurance Company and C.M. Life Insurance Company) – Incorporated by reference to Post-Effective Amendment No. 28 to Registration Statement File No. 333-45039 filed June 25, 2021](https://www.sec.gov/Archives/edgar/data/1052766/000093041321001239/c101798_ex99-hiie.htm) |
|  | f. | [Voya Variable Products Trust effective October 16, 2007 (Massachusetts Mutual Life Insurance Company, and C.M. Life Insurance Company) – Incorporated by reference to Post-Effective Amendment No. 28 to Registration Statement File No. 333-45039 filed June 25, 2021](https://www.sec.gov/Archives/edgar/data/1052766/000093041321001239/c101798_ex99-hiif.htm) |
| &nbsp;&nbsp; **Exhibit (i)** | Not Applicable. | Not Applicable. |
| &nbsp;&nbsp; **Exhibit (j)** | Not Applicable. | Not Applicable. |
| &nbsp;&nbsp; **Exhibit (k)** | [Opinion and Consent of Counsel – Incorporated by reference to Post-Effective Amendment No. 24 to Registration Statement File No. 333-95845 filed April 28, 2022](https://www.sec.gov/Archives/edgar/data/928407/000113322822002738/nc10028377x1_ex99k.htm) | [Opinion and Consent of Counsel – Incorporated by reference to Post-Effective Amendment No. 24 to Registration Statement File No. 333-95845 filed April 28, 2022](https://www.sec.gov/Archives/edgar/data/928407/000113322822002738/nc10028377x1_ex99k.htm) |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp; **Exhibit (l)** | i. |  | [Auditor Consents (\*):](artcm-efp18285_ex99li.htm) | [Auditor Consents (\*):](artcm-efp18285_ex99li.htm) | [Auditor Consents (\*):](artcm-efp18285_ex99li.htm) |
|  |  |  |  | •  | Company Financial Statements |
|  |  |  |  | •  | Separate Account Financial Statements |
| &nbsp;&nbsp; **Exhibit (m)** | Not Applicable. | Not Applicable. | Not Applicable. | Not Applicable. | Not Applicable. |
| &nbsp;&nbsp; **Exhibit (n)** | Not Applicable. | Not Applicable. | Not Applicable. | Not Applicable. | Not Applicable. |
| &nbsp;&nbsp; **Exhibit (o)** | Not Applicable. | Not Applicable. | Not Applicable. | Not Applicable. | Not Applicable. |
| &nbsp;&nbsp; **Exhibit (p)** | i. | a. | Power of Attorney for: | Power of Attorney for: | Power of Attorney for: |
|  |  |  | •  | Roger W. Crandall | Roger W. Crandall |
|  |  |  | •  | Mary Jane Fortin | Mary Jane Fortin |
|  |  |  | •  | Michael J. O'Connor | Michael J. O'Connor |
|  |  |  | •  | Paul A. LaPiana | Paul A. LaPiana |
|  |  |  | <br> [– Incorporated by reference to Post-Effective Amendment No. 4 to Registration Statement File No. 333-259818 filed April 25, 2025](https://www.sec.gov/Archives/edgar/data/943863/000113322825004344/cmes-efp9389_ex99niia.htm) | <br> [– Incorporated by reference to Post-Effective Amendment No. 4 to Registration Statement File No. 333-259818 filed April 25, 2025](https://www.sec.gov/Archives/edgar/data/943863/000113322825004344/cmes-efp9389_ex99niia.htm) | <br> [– Incorporated by reference to Post-Effective Amendment No. 4 to Registration Statement File No. 333-259818 filed April 25, 2025](https://www.sec.gov/Archives/edgar/data/943863/000113322825004344/cmes-efp9389_ex99niia.htm) |
|  |  | b. | Power of Attorney for: | Power of Attorney for: | Power of Attorney for: |
|  |  |  | •  | Gregory Giardiello | Gregory Giardiello |
|  |  |  | <br> [– Incorporated by reference to Post-Effective Amendment No. 5 to Registration Statement File No. 333-259818 filed November 17, 2025](https://www.sec.gov/Archives/edgar/data/943863/000113322825012407/cmes-efp18430_ex99niic.htm) | <br> [– Incorporated by reference to Post-Effective Amendment No. 5 to Registration Statement File No. 333-259818 filed November 17, 2025](https://www.sec.gov/Archives/edgar/data/943863/000113322825012407/cmes-efp18430_ex99niic.htm) | <br> [– Incorporated by reference to Post-Effective Amendment No. 5 to Registration Statement File No. 333-259818 filed November 17, 2025](https://www.sec.gov/Archives/edgar/data/943863/000113322825012407/cmes-efp18430_ex99niic.htm) |
| &nbsp;&nbsp; **Exhibit (q)** | Not Applicable. | Not Applicable. | Not Applicable. | Not Applicable. | Not Applicable. |
| &nbsp;&nbsp; **Exhibit (r)** | Not Applicable. | Not Applicable. | Not Applicable. | Not Applicable. | Not Applicable. |

---

(\*) Filed herewith

**Item** **28. Directors and Officers of the Insurance Company**

**Directors of C.M. Life Insurance Company**

---

| | |
|:---|:---|
| *Roger W. Crandall, Director (Chairman), President, and Chief Executive Officer*<br> 1295 State Street<br> Springfield, MA 01111 | *Paul A. LaPiana, Director and Executive Vice President*<br> 1295 State Street<br> Springfield, MA 01111 |
| *Michael J. O'Connor, Director and General Counsel*<br> 1295 State Street<br> Springfield, MA 01111 | *Mary Jane Fortin, Director, Executive Vice President, and Chief Financial Officer*<br> 10 Fan Pier Boulevard<br> Boston, MA 02210 |

---

**Principal Officers of C.M. Life Insurance Company (other than those who are also Directors, as referenced above):**

---

| | |
|:---|:---|
| *Gregory Giardiello, Corporate Controller*<br> *10 Fan Pier Boulevard*<br> *Boston, MA 02210* | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *Julieta Sinisgalli, Treasurer*<br> 10 Fan Pier Boulevard<br> Boston, MA 02210 |
| *Tokunbo Akinbajo, Corporate Secretary*<br> 1295 State Street<br> Springfield, MA 01111 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;*Eric Partlan, Executive Vice President*<br> 10 Fan Pier Boulevard<br> Boston, MA 02210 |
|  | *Dominic Blue, Executive Vice President*<br> 1295 State Street<br> Springfield, MA 01111 |

---

------

**Item** **29. Persons Controlled by or Under Common Control with the Insurance Company or the Registered Separate Account**

– Incorporated by reference to Item 32 on Form N-6 in Post-Effective Amendment No. 6 to Registration Statement File No. 333-259818 filed on or about April 24, 2026

**Item** **30. Indemnification**

C.M. Life directors and officers are indemnified under Article V of the by-laws of C.M. Life's parent company, Massachusetts Mutual Life Insurance Company ("MassMutual"), as set forth below.

ARTICLE V. of the By-laws of MassMutual provides for indemnification of directors and officers as follows:

"ARTICLE V.

INDEMNIFICATION

Subject to limitations of law, the Company shall indemnify:

(a) each director, officer or employee;

(b) any individual who serves at the request of the Company as a director, board member, committee member, partner, trustee, officer or employee of any foreign or domestic organization or any separate investment account; or

(c) any individual who serves in any capacity with respect to any employee benefit plan,

from and against all loss, liability and expense imposed upon or incurred by such person in connection with any threatened, pending or completed action, claim, suit, investigation or proceeding of any nature whatsoever, in which such person may be involved or with which he or she may be threatened to be involved, by reason of any alleged act, omission or otherwise while serving in any such capacity, whether such action, claim, suit, investigation or proceeding is civil, criminal, administrative, arbitrative, or investigative and/or formal or informal in nature. Indemnification shall be provided although the person no longer serves in such capacity and shall include protection for the person's heirs and legal representatives.

Indemnities hereunder shall include, but not be limited to, all costs and reasonable counsel fees, fines, penalties, judgments or awards of any kind, and the amount of reasonable settlements, whether or not payable to the Company or to any of the other entities described in the preceding paragraph, or to the policyholders or security holders thereof.

Notwithstanding the foregoing, no indemnification shall be provided with respect to:

(1) any matter as to which the person shall have been adjudicated in any proceeding not to have acted in good faith in the reasonable belief that his or her action was in the best interests of the Company or, to the extent that such matter relates to service with respect to any employee benefit plan, in the best interests of the participants or beneficiaries of such employee benefit plan;

(2) any liability to any entity which is registered as an investment company under the Federal Investment Company Act of 1940 or to the security holders thereof, where the basis for such liability is willful misfeasance, bad faith, gross negligence or reckless disregard of the duties involved in the conduct of office; and

(3) any action, claim or proceeding voluntarily initiated by any person seeking indemnification, unless such action, claim or proceeding had been authorized by the Board of Directors or unless such person's indemnification is awarded by vote of the Board of Directors.

In any matter disposed of by settlement or in the event of an adjudication which in the opinion of the General Counsel or his or her delegate does not make a sufficient determination of conduct which could preclude or permit indemnification in accordance with the preceding paragraphs (1), (2) and (3), the person shall be entitled to indemnification unless, as determined by the majority of the disinterested directors or in the opinion of counsel (who may be an officer of the Company or outside counsel employed by the Company), such person's conduct was such as precludes indemnification under any of such paragraphs. The termination of any action, claim, suit, investigation or proceeding by judgment, order, settlement, conviction, or upon a plea of nolo contendere or its equivalent shall not, of itself, create a presumption that the person did not act in good faith and in a manner which he or she reasonably believed to be in the best interests of the Company.

The Company may at its option indemnify for expenses incurred in connection with any action or proceeding in advance of its final disposition, upon receipt of a satisfactory undertaking for repayment if it be subsequently determined that the person thus indemnified is not entitled to indemnification under this Article V."

------

To provide certainty and more clarification regarding the indemnification provisions of the Bylaws set forth above, MassMutual has entered into indemnification agreements with certain officers who serve as a director of a subsidiary of MassMutual (a "Subsidiary Director"). Pursuant to the Agreements, MassMutual agrees to indemnify a Subsidiary Director, to the extent legally permissible, against (a) all expenses, judgments, fines and settlements ("Costs"), liabilities, and penalties paid in connection with a proceeding involving the Subsidiary Director because he or she is a director of a subsidiary of MassMutual if the Subsidiary Director (i) acted in good faith, (ii) reasonably believed the conduct was in the subsidiary's best interest; (iii) had no reasonable cause to believe the conduct was unlawful (in a criminal proceeding); and, (iv) engaged in conduct for which the Subsidiary Director shall not be liable under MassMutual's Charter or By-Law. MassMutual further agrees to indemnify a Subsidiary Director, to the extent permitted by law, against all Costs paid in connection with any proceeding (i) unless the Subsidiary Director breached a duty of loyalty, (ii) except for liability for acts or omissions not in good faith, involving intentional misconduct or a knowing violation of law, (iii) except for liability under Section 6.40 of Chapter 156D of Massachusetts Business Corporation Act ("MBCA"), or (iv) except for liability related to any transaction from which the Subsidiary Director derived an improper benefit. MassMutual will also indemnify a Subsidiary Director, to the fullest extent authorized by the MBCA, against all expenses to the extent the Subsidiary Director has been successful on the merits or in defense of any proceeding. If any court determines that despite an adjudication of liability to the relevant subsidiary that the Subsidiary Director is entitled to indemnification, MassMutual will indemnify the Subsidiary Director to the extent permitted by law. Subject to the Subsidiary Director's obligation to pay MassMutual in the event that the Subsidiary Director is not entitled to indemnification, MassMutual will pay the expenses of the Subsidiary Director prior to a final determination as to whether the Subsidiary Director is entitled to indemnification.

**Item** **31. Principal Underwriters**

(a) MML Investors Services, LLC ("MMLIS") acts as principal underwriter of the contracts/policies/certificates sold by its registered representatives and MML Strategic Distributors, LLC ("MSD") serves as principal underwriter of the contracts/policies/certificates sold by registered representatives of other broker-dealers who have entered into distribution agreements with MSD. <br> MMLIS and MSD either jointly or individually act as principal underwriters for: Massachusetts Mutual Variable Life Separate Account I, Massachusetts Mutual Variable Annuity Separate Account 1, Massachusetts Mutual Variable Annuity Separate Account 2, Massachusetts Mutual Variable Annuity Separate Account 3, Massachusetts Mutual Variable Annuity Separate Account 4, Panorama Separate Account, Connecticut Mutual Variable Life Separate Account I, MML Bay State Variable Life Separate Account I, MML Bay State Variable Annuity Separate Account 1, Panorama Plus Separate Account, C.M. Multi-Account A, C.M. Life Variable Life Separate Account I, Massachusetts Mutual Variable Life Separate Account II.

------

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

(b) MMLIS and MSD are the principal underwriters for this Contract. The following people are officers and directors of MMLIS and officers and directors of MSD:

**DIRECTORS AND OFFICERS OF MML INVESTORS SERVICES, LLC**

---

| | | |
|:---|:---|:---|
| **Name** | **Positions and Offices** | **Principal Business Address** |
| Vaughn Bowman | Director, Chairman of the Board, Chief Executive Officer, and President | \* |
| John Vaccaro | Director and Chairman Emeritus | \* |
| Geoffrey Craddock | Director | 10 Fan Pier Boulevard<br> Boston, MA 02210 |
| Paul LaPiana | Director | \* |
| Jennifer Reilly | Director | 10 Fan Pier Boulevard<br> Boston, MA 02210 |
| Joseph Mallee | Director, Agency Field Force Supervisor and Vice President | \* |
| David Mink | Vice President and Chief Operations Officer | \* |
| Frank Rispoli | Chief Financial Officer and Treasurer | 10 Fan Pier Boulevard<br> Boston, MA 02210 |
| Edward K. Duch, III | Chief Legal Officer, Vice President, and Secretary | \* |
| Courtney Reid | Chief Compliance Officer | \* |
| James P. Puhala | Deputy Chief Compliance Officer | \* |
| Michael Gilliland | Deputy Chief Compliance Officer | \* |
| Thomas Bauer | Chief Technology Officer | \* |
| Anthony Frogameni | Chief Privacy Officer | \* |
| Linda Bestepe | Vice President | \* |
| Brian Foley | Vice President | 10 Fan Pier Boulevard<br> Boston, MA 02210 |
| James Langham | Vice President | \* |
| Michael Thomas | Vice President | 2 Park Ave<br> New York, NY 10016 |
| Daken Vanderburg | Vice President | \* |
| Mary B. Wilkinson | Vice President | 10 Fan Pier Boulevard<br> Boston, MA 02210 |
| George Randall | Field Risk Officer | \* |
| Alyssa O'Connor | Assistant Secretary | \* |
| Pablo Cabrera | Assistant Treasurer | 10 Fan Pier Boulevard<br> Boston, MA 02210 |
| Jeffrey Sajdak | Assistant Treasurer | \* |
| Elizabeth Marin | Assistant Treasurer | \* |
| Kevin Lacomb | Assistant Treasurer | 10 Fan Pier Boulevard<br> Boston, MA 02210 |
| Tricia Cohen | Continuing Education Officer | \* |
| Mario Morton | Registration Manager | \* |
| Kelly Pirrotta | AML Compliance Officer | \* |
| John Rogan | Regional Vice President | \* |
| Sarah Hedges | Regional Vice President | \* |
| David Smith | Regional Vice President | \* |
| Tanya Wilber | Regional Vice President | \* |

---

\* 1295 State Street, Springfield, MA 01111-0001

------

**DIRECTORS AND OFFICERS OF MML STRATEGIC DISTRIBUTORS, LLC**

---

| | | |
|:---|:---|:---|
| **Name** | **Positions and Offices** | **Principal Business Address** |
| Dominic Blue | Director and Chairman of the Board | \* |
| Matthew DiGangi | Director, Chief Executive Officer, and President | \* |
| Geoffrey Craddock | Director | 10 Fan Pier Boulevard<br> Boston, MA 02210 |
| Jennifer Reilly | Director | 10 Fan Pier Boulevard<br> Boston, MA 02210 |
| Frank Rispoli | Chief Financial Officer and Treasurer | 10 Fan Pier Boulevard<br> Boston, MA 02210 |
| Edward K. Duch, III | Chief Legal Officer, Vice President, and Secretary | \* |
| James P. Puhala | Vice President and Chief Compliance Officer | \* |
| Vincent Baggetta | Chief Risk Officer | \* |
| Paul LaPiana | Vice President | \* |
| Anna Sciortino | Vice President | 10 Fan Pier Boulevard<br> Boston, MA 02210 |
| Alyssa O'Connor | Assistant Secretary | \* |
| Pablo Cabrera | Assistant Treasurer | 10 Fan Pier Boulevard<br> Boston, MA 02210 |
| Jeffrey Sajdak | Assistant Treasurer | \* |
| Elizabeth Marin | Assistant Treasurer | \* |
| Mario Morton | Registration Manager | \* |
| Kelly Pirrotta | AML Compliance Officer | \* |

---

*(\*)* *1295 State Street, Springfield, MA 01111-0001*

(c) Compensation From the Registrant <br> For information about all commissions and other compensation received by each principal underwriter, directly or indirectly, from the Registered Separate Account during the Registered Separate Account's last fiscal year, refer to the "Distribution and Administration" section of the Statement of Additional Information.

**Item** **32. Location of Accounts and Records**

All accounts, books, or other documents required to be maintained by Section 31(a) of the Investment Company Act of 1940 and the rules promulgated thereunder are maintained by the Registered Separate Account through C.M. Life Insurance Company, 1295 State Street, Springfield, Massachusetts 01111-0001.

**Item** **33. Management Services**

Not Applicable.

**Item** **34. Fee Representation**

**REPRESENTATION UNDER SECTION 26(f)(2)(A) OF**<br>**THE INVESTMENT COMPANY ACT OF 1940**

C.M. Life Insurance Company hereby represents that the fees and charges deducted under the MassMutual Artistry (Artistry) contract described in this Registration Statement, in the aggregate, are reasonable in relation to the services rendered, the expenses expected to be incurred, and the risks assumed by C.M. Life Insurance Company.

------

**SIGNATURES**

Pursuant to the requirements of Securities Act of 1933 and the Investment Company Act of 1940, the Registrant certifies that it meets all of the requirements for effectiveness of this registration statement under Rule 485(b) under the Securities Act and has duly caused this registration statement to be signed on its behalf by the undersigned, duly authorized, in the City of Wilmington, and the State of North Carolina on this 24<sup>th</sup> day of April, 2026.

C.M. MULTI-ACCOUNT A<br>(Registered Separate Account)

C.M. LIFE INSURANCE COMPANY<br>(Insurance Company)

---

| | |
|:---|:---|
| &nbsp;&nbsp; **By:** | ROGER W. CRANDALL \*<br>Roger W. Crandall<br>President and Chief Executive Officer<br>(principal executive officer)<br>C.M. Life Insurance Company |

---

Pursuant to the requirements of the Securities Act of 1933, this registration statement has been signed by the following persons in the capacities and on the dates indicated.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp; **Signature** | **Title** | **Date** |
| &nbsp;&nbsp; ROGER W. CRANDALL \*<br>Roger W. Crandall | Director, President and Chief Executive Officer<br>(principal executive officer) | April 24, 2026 |
| &nbsp;&nbsp; MARY JANE FORTIN \*<br>Mary Jane Fortin | Chief Financial Officer<br>(principal financial officer) | April 24, 2026 |
| &nbsp;&nbsp; GREGORY GIARDIELLO \*<br>Gregory Giardiello | Corporate Controller<br>(principal accounting officer) | April 24, 2026 |
| &nbsp;&nbsp; MICHAEL J. O'CONNOR \*<br>Michael J. O'Connor | Director | April 24, 2026 |
| &nbsp;&nbsp; PAUL LAPIANA \*<br>Paul LaPiana | Director | April 24, 2026 |
| &nbsp;&nbsp; /s/ GARY F. MURTAGH<br>\* Gary F. Murtagh<br>Attorney-in-Fact pursuant to Powers of Attorney |  |  |

---

------

**<u>INDEX TO EXHIBITS</u>**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp; **Item No.** | **Exhibit** |  |  |  |
| &nbsp;&nbsp;Item 27. | Exhibit (l) | i. | [Auditor Consents](artcm-efp18285_ex99li.htm) | [Auditor Consents](artcm-efp18285_ex99li.htm) |
|  |  |  | • | Company Financial Statements |
|  |  |  | • | Separate Account Financial Statements |

---

## Ex-99.Li

*Item 27. Exhibit (l) i.*

 

*[KPMG letterhead appears here]*

**Consent of Independent Registered Public Accounting Firm**

We consent to the use of our report dated February 26, 2026, with respect to the statutory financial statements of C.M. Life Insurance Company, incorporated herein by reference, and to the reference to our firm under the heading "Experts" in the Statement of Additional Information.

/s/ KPMG LLP

Hartford, Connecticut

April 20, 2026

*[KPMG letterhead appears here]*

**Consent of Independent Registered Public Accounting Firm**

We consent to the use of our report dated March 10, 2026, with respect to the financial statements of C.M. Multi-Account A, incorporated herein by reference, and to the reference to our firm under the heading "Experts" in the Statement of Additional Information.

/s/ KPMG LLP

Boston, Massachusetts

April 20, 2026