# EDGAR Filing Document

**Accession Number:** 0000943863
**File Stem:** 0001133228-26-006446
**Filing Date:** 2026-4
**Character Count:** 39736
**Document Hash:** bdf532076652499fde29e9b9e21818b6
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001133228-26-006446.hdr.sgml**: 20260424

**ACCESSION NUMBER**: 0001133228-26-006446

**CONFORMED SUBMISSION TYPE**: 497VPU

**PUBLIC DOCUMENT COUNT**: 1

**FILED AS OF DATE**: 20260424

**DATE AS OF CHANGE**: 20260424

**EFFECTIVENESS DATE**: 20260424

**FILER**: 

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

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

**FILING VALUES:**
- **FORM TYPE:** 497VPU
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-49457
- **FILM NUMBER:** 26893131

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

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

## Series and Classes Contracts Data

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

| Class ID   | Class Name              | Ticker Symbol   |
|:---|:---|:---|
| C000030137 | Variable Universal Life |  |

Variable Universal Life (VUL)

*Issued by C.M. Life Insurance Company*

C.M. Life Variable Life Separate Account I

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

This Summary Prospectus summarizes key features of the Variable Universal Life policy, an individual, flexible premium, adjustable, variable life insurance policy (policy) issued by C.M. Life Insurance Company (C.M. Life, Company, we, us, or our).

The current statutory prospectus for the Variable Universal Life policy contains more information about the policy, including its features, benefits, and risks. You can find the current statutory prospectus and other information about the policy online at www.MassMutual.com/VUL. You can also obtain this information at no cost by calling (800) 272-2216 or by sending an email request to MassMutualServiceCenter@MassMutual.com.

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

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

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**Table of Contents**

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| | |
|:---|:---|
| [**Glossary**](#chapter_2_1006) | [**2**](#chapter_2_1006) |
| [**Updated Information About Your Policy**](#chapter_3_1006) | [**4**](#chapter_3_1006) |
| &nbsp;&nbsp;&nbsp;&nbsp; [**Important Information You Should Consider About the** <br>**Policy**](#chapter_4_1006) | [**5**](#chapter_4_1006) |

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[**Appendix A – Funds Available Under the Policy**](#chapter_5_1006)<sub>10</sub>

Glossary

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

**Administrative Office.** MassMutual Customer Service Center, PO Box 1865, Springfield, MA 01102-1865, (800) 272-2216, (Fax) (866) 329-4527, www.MassMutual.com

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

**Face Amount.** An amount used to determine the insurance coverage the policy provides while it is In Force.

**Free Look.** Your right to cancel the policy and receive a refund.

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

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

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

**Guarantee Period.** A period in which the policy will remain In Force regardless of the value of the policy. The first Guarantee Period is the first 20 Policy Years, or, if less, to Attained Age 90 of the Insured. The second Guarantee Period is to Attained Age 100 of the Insured.

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

**Initial Face Amount.** The Face Amount on the Policy Date.

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

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

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

**Monthly Charge Date.** The Policy Date and the same day of each succeeding calendar month.

**Net Premium.** A premium payment received in Good Order minus the premium expense charge.

**Net Surrender Value.** Account Value less any surrender charges and Policy Debt.

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

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

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

**Policy Debt Limit** **.** When total Policy Debt exceeds the Account Value less surrender charges.

**Policy Termination.** An event where your policy is no longer In Force due to the Account Value becoming too low to support your policy's monthly charges and the Safety Test is not met, or if the total Policy Debt exceeds the Account Value less surrender charges.

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

**Safety Test.** A no-lapse guarantee that allows you to keep the policy In Force during a Guarantee Period regardless of the value of the policy, as long as the Policy Debt Limit has not been reached.

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

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Updated Information About Your Policy

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

**Fund Substitutions**

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

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**Fund Name Changes**

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| | |
|:---|:---|
| &nbsp;&nbsp; **Current Fund Name** | **New Fund Name** |
| &nbsp;&nbsp; Invesco Oppenheimer V.I. International Growth Fund | Invesco V.I. International Growth Fund |
| &nbsp;&nbsp; LVIP American Century Disciplined Core Value Fund | LVIP Avantis Large Cap Value Fund |
| &nbsp;&nbsp; MML Blend Fund | MML VIP BlackRock<sup>®</sup> Balanced Fund |
| &nbsp;&nbsp;MML Blue Chip Growth Fund | MML VIP T. Rowe Price Blue Chip Growth Fund |
| &nbsp;&nbsp; MML Equity Fund | MML VIP Franklin Templeton Equity Fund |
| &nbsp;&nbsp; MML Equity Index Fund | MML VIP BlackRock<sup>®</sup> Equity Index Fund |
| &nbsp;&nbsp; MML Fundamental Equity Fund | MML VIP Invesco Main Street Equity Fund |
| &nbsp;&nbsp; MML Global Fund | MML VIP Invesco Global Fund |
| &nbsp;&nbsp; MML Inflation-Protected and Income Fund | MML VIP Barings Inflation-Protected and Income Fund |
| &nbsp;&nbsp; MML Invesco Discovery Large Cap Fund | MML VIP Invesco Discovery Large Cap Fund |
| &nbsp;&nbsp; MML Invesco Discovery Mid Cap Fund | MML VIP Invesco Discovery Mid Cap Fund |
| &nbsp;&nbsp; MML Managed Bond Fund | MML VIP Barings Core Bond Fund |
| &nbsp;&nbsp; MML Managed Volatility Fund | MML VIP JPMorgan U.S. Research Enhanced Equity Fund |
| &nbsp;&nbsp; MML Mid Cap Growth Fund | MML VIP T. Rowe Price Mid Cap Growth Fund |
| &nbsp;&nbsp; MML Small Cap Equity Fund | MML VIP Invesco Small Cap Equity Fund |
| &nbsp;&nbsp; MML Small Cap Growth Equity Fund | MML VIP Wellington Small Cap Growth Equity Fund |
| &nbsp;&nbsp; MML U.S. Government Money Market Fund | MML VIP Barings U.S. Government Money Market Fund |

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**Sub-Adviser Change**

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

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Important Information You Should Consider About the Policy

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| | | |
|:---|:---|:---|
|  | **FEES AND EXPENSES** | **LOCATION IN** **PROSPECTUS** |
| &nbsp;&nbsp; **Charges for Early** **Withdrawals** | &nbsp;&nbsp; If you surrender the policy, decrease the Face Amount, or the policy lapses in the first 14 Policy Years or the first 14 years following an increase in Face Amount, a surrender charge may apply. For the Initial Face Amount, rates are based on the Insured's issue age, gender, risk class, and coverage year. For each increase in the Face Amount, rates are based on the Insured's Attained Age, gender, risk class on the effective date of the increase, and coverage year. The surrender charge is the sum of surrender charges for the Initial Face Amount and all Face Amount increases.<br>For a 35-year-old male Insured, non-tobacco user, in the standard risk classification, with an initial premium of $100,000, $1,000,000 Face Amount and no increases in Face Amount, upon surrender in the first Policy Year, a charge of up to $11,830 could be assessed. | &nbsp;&nbsp; Fee Tables – Transaction Fees – Surrender Charges<br>Charges and Deductions – Transaction Fees – Surrender Charges<br>Death Benefit – Right to Change the Face Amount |
| &nbsp;&nbsp; **Transaction Charges** | &nbsp;&nbsp; In addition to surrender charges, you also may be charged for other transactions.<br>**Premium Expense Charge.** We deduct a premium expense charge from each premium you pay. The current premium expense charge is 5.00% of each premium payment up to and including the expense premium and 3.00% of premium over the expense premium. The maximum charge is 7.50% of each premium payment up to and including the expense premium, and 5.00% of premium over the expense premium.<br>**Withdrawal Fee.** If you withdraw a portion of your Account Value, we can assess a withdrawal fee. We have waived the current fee. The maximum withdrawal fee we can assess is the lesser of $25 per withdrawal or 2.00% of the amount withdrawn.<br>**Rider Processing Fee.** We assess a one-time processing fee of up to $250 (less in some states) when you exercise the Accelerated Death Benefit Rider for Terminal Illness and a fee of $75 when you exercise the Substitute of Insured Rider. | &nbsp;&nbsp; Fee Tables – Transaction Fees<br>Fee Tables – Periodic Charges Other than Annual Fund Operating Expenses<br>Charges and Deductions – Transaction Fees  |

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| | | | | |
|:---|:---|:---|:---|:---|
|  | **FEES AND EXPENSES** | **FEES AND EXPENSES** | **FEES AND EXPENSES** | **LOCATION IN** **PROSPECTUS** |
| &nbsp;&nbsp; **Ongoing Fees and Expenses** | &nbsp;&nbsp; In addition to surrender charges and transaction charges, an investment in the policy is subject to certain ongoing fees and expenses. Some of these fees and expenses, such as the insurance charge and the cost of certain optional riders, are set based on characteristics of the Insured (e.g., age, sex, and risk classification). You should view the policy's specifications pages for rates applicable to your policy. <br>You also will bear fees and expenses associated with the Funds you choose, as shown below. | &nbsp;&nbsp; In addition to surrender charges and transaction charges, an investment in the policy is subject to certain ongoing fees and expenses. Some of these fees and expenses, such as the insurance charge and the cost of certain optional riders, are set based on characteristics of the Insured (e.g., age, sex, and risk classification). You should view the policy's specifications pages for rates applicable to your policy. <br>You also will bear fees and expenses associated with the Funds you choose, as shown below. | &nbsp;&nbsp; In addition to surrender charges and transaction charges, an investment in the policy is subject to certain ongoing fees and expenses. Some of these fees and expenses, such as the insurance charge and the cost of certain optional riders, are set based on characteristics of the Insured (e.g., age, sex, and risk classification). You should view the policy's specifications pages for rates applicable to your policy. <br>You also will bear fees and expenses associated with the Funds you choose, as shown below. | &nbsp;&nbsp; Fee Tables – Periodic Charges Other than Annual Fund Operating Expenses<br>Charges and Deductions – Monthly Charges Against the Account Value<br>Appendix A |
|  | &nbsp;&nbsp; **Annual Fee** | **Minimum** | **Maximum** |  |
|  | &nbsp;&nbsp; Fund options (Fund fees and expenses) | 0.29%<sup>(1)</sup> | 1.18%<sup>(1)</sup> |  |

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

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| | | |
|:---|:---|:---|
|  | **RISKS** | **LOCATION IN** **PROSPECTUS** |
| &nbsp;&nbsp; **Risk of Loss** | &nbsp;&nbsp; You can lose money by investing in this policy. | &nbsp;&nbsp; Principal Risks – Investment Risks<br>General Information About the Company, the Separate Account and the Underlying Funds – Underlying Funds |
| &nbsp;&nbsp; **Not a Short-Term** **Investment** | &nbsp;&nbsp; This policy is not a short-term investment and is not appropriate for an investor who needs ready access to cash.<br>Surrender charges apply for the first 14 Policy Years and the first 14 years following an increase in Face Amount. These charges will reduce the amount payable to you if you surrender the policy during those times. | &nbsp;&nbsp; Overview of the Policy – What is the policy, and what is it designed to do?<br>Principal Risks – Suitability |
| &nbsp;&nbsp; **Risks Associated with** **Investment Options** | &nbsp;&nbsp; An investment in this policy is subject to the risk of poor investment performance and can vary depending upon the performance of the underlying Funds you choose.<br>Each investment option (including any fixed account investment option) has its own unique risks. You should review the prospectuses for the available Funds before making an investment decision. | &nbsp;&nbsp; Principal Risks – Investment Risks<br>General Information About the Company, the Separate Account and the Underlying Funds – Underlying Funds |
| &nbsp;&nbsp; **Insurance Company Risks** | &nbsp;&nbsp; An investment in the policy is subject to the risks related to the Depositor (C.M. Life). Any obligations (including under any fixed account investment option), guarantees, or benefits of the policy are subject to the claims-paying ability of C.M. Life. If C.M. Life experiences financial distress, it may not be able to meet its obligations to you. More information about C.M. Life, including its financial strength ratings, is available at www.MassMutual.com/ratings. | &nbsp;&nbsp; General Information About the Company, the Separate Account, and the Underlying Funds – The Guaranteed Principal Account (GPA) |
| &nbsp;&nbsp; **Policy Lapse** | &nbsp;&nbsp; Your policy could terminate (or lapse) if the Account Value of the policy becomes too low to support the policy's monthly charges and the Safety Test is not met, or if total Policy Debt exceeds the Account Value less surrender charges. Factors that may cause your policy to lapse include: insufficient premium payments, poor investment performance, withdrawals, and unpaid loans or loan interest. If your policy lapses, you may be able to reinstate it. To reinstate your policy, you must provide us certain written materials we require as well as a premium payment sufficient to keep the policy In Force for three months after reinstatement. The death benefit will not be paid if the policy has lapsed. | &nbsp;&nbsp; Principal Risks – Policy Termination<br>Policy Termination and Reinstatement |

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

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

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| | | |
|:---|:---|:---|
|  | **CONFLICTS OF INTEREST** | **LOCATION IN** **PROSPECTUS** |
| &nbsp;&nbsp; **Investment Professional** **Compensation** | &nbsp;&nbsp; Your registered representative may receive compensation in the form of commissions for selling the policy to you. If your registered representative is also a MassMutual insurance agent, they are also eligible for certain cash and non-cash benefits from us. Cash compensation includes bonuses and allowances based on factors such as sales, productivity and persistency (policy retention). Non-cash compensation includes various recognition items such as prizes and awards as well as attendance at, and payment of the costs associated with attendance at, conferences, seminars and recognition trips, and also includes contributions to certain individual plans such as pension and medical plans. Sales of the policy may help these registered representatives and their supervisors qualify for such benefits.<br>This conflict of interest may influence your registered representative to offer or recommend this policy over another investment. | &nbsp;&nbsp; Other Information – Distribution |
| &nbsp;&nbsp; **Exchanges** | &nbsp;&nbsp; Because the policy is no longer sold, you would not be affected by a scenario in which you are asked to replace an existing life insurance policy you own with a new purchase of this policy. However, in general, you should be aware that some investment professionals may have a financial incentive to offer you a new policy in place of the one you already own. Thus, in general, you should only exchange your life insurance policy if you determine, after comparing the features, fees, and risks of both policies, that it is preferable for you to purchase the new life insurance policy rather than continue to own the existing policy. | &nbsp;&nbsp; Other Benefits Available Under the Policy – Right to Exchange |

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Appendix A

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

The following is a list of Funds currently available under the policy. This list of Funds is subject to change, as discussed in the statutory prospectus for the policy. 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 the prospectuses and other information about the Funds online at www.MassMutual.com/VUL. You can also request this information at no cost by calling (800) 272-2216 or sending an email request to MassMutualServiceCenter@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 policy 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 | American Funds Insurance Series<sup>®</sup> Asset Allocation Fund (Class 2)<br>***Adviser:*** Capital Research and Management Company<sup>SM</sup><br>***Sub-Adviser:*** N/A | 0.54<br> %<br>| 15.85<br> %<br>| 8.97<br> %<br>| 9.77<br> %<br>|
| Money Market | MML VIP Barings U.S. Government Money Market Fund<br>(Initial Class)<sup>(1)</sup><sup>(2)</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. Core Plus Bond Fund (Series I)<br>***Adviser:*** Invesco Advisers, Inc.<br>***Sub-Adviser:*** N/A | 0.62<br> %<br> <sup>(\*)</sup><br>| 7.09<br> %<br>| –0.11<br> %<br>| 2.99<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>|
| Fixed Income | MML VIP Barings Core Bond Fund (Initial Class)<sup>(3)</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>(4)</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>|
| Balanced | Janus Henderson Balanced Portfolio (Service)<br>***Adviser:*** Janus Henderson Investors US LLC<br>***Sub-Adviser:*** N/A | 0.87<br> %<br>| 14.82<br> %<br>| 8.21<br> %<br>| 9.86<br> %<br>|
| Balanced | MML VIP BlackRock<sup>®</sup> Balanced Fund (Initial Class)<sup>(5)</sup><sup>(6)</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 | LVIP American Century Value Fund (Standard Class II)<br>***Adviser:*** Lincoln Financial Investments Corporation<br>***Sub-Adviser:*** American Century Investment Management, Inc. | 0.71<br> %<br> <sup>(\*)</sup><br>| 16.02<br> %<br>| 11.65<br> %<br>| 10.23<br> %<br>|
| Large Cap Value | LVIP Avantis Large Cap Value Fund (Standard Class II)<sup>(7)</sup><br>***Adviser:*** Lincoln Financial Investments Corporation<br>***Sub-Adviser:*** American Century Investment Management, Inc. | 0.71<br> %<br> <sup>(\*)</sup><br>| 14.86<br> %<br>| 8.78<br> %<br>| 10.39<br> %<br>|
| Large Cap Value | MML VIP Franklin Templeton Equity Fund (Initial Class)<sup>(8)</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>|

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Fund Type** | **Fund and Adviser/Sub-Adviser** | **Current** **Expenses** **(expenses/** **average assets)** | **Average Annual Total Returns**<br>**(as of 12/31/2025)** | **Average Annual Total Returns**<br>**(as of 12/31/2025)** | **Average Annual Total Returns**<br>**(as of 12/31/2025)** |
| **Fund Type** | **Fund and Adviser/Sub-Adviser** | **Current** **Expenses** **(expenses/** **average assets)** | **1 Year** | **5 Year** | **10 Year**  |
| Large Cap Value | T. Rowe Price Equity Income Portfolio<br>***Adviser:*** T. Rowe Price Associates, Inc.<br>***Sub-Adviser:*** N/A | 0.74<br> %<br>| 14.36<br> %<br>| 11.17<br> %<br>| 10.51<br> %<br>|
| Large Cap Blend | American Funds Insurance Series<sup>®</sup> Growth-Income Fund (Class 2)<br>***Adviser:*** Capital Research and Management Company<sup>SM</sup><br>***Sub-Adviser:*** N/A | 0.53<br> %<br>| 18.06<br> %<br>| 13.90<br> %<br>| 13.92<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 | MFS<sup>®</sup> Investors Trust Series (Initial Class)<br>***Adviser:*** Massachusetts Financial Services Company<br>***Sub-Adviser:*** N/A | 0.74<br> %<br> <sup>(\*)</sup><br>| 13.57<br> %<br>| 11.33<br> %<br>| 12.49<br> %<br>|
| Large Cap Blend | MML VIP BlackRock<sup>®</sup> Equity Index Fund (Class II)<sup>(9)</sup><br>***Adviser:*** MML Investment Advisers, LLC<br>***Sub-Adviser:*** BlackRock Advisors, LLC | 0.29<br> %<br>| 17.57<br> %<br>| 14.10<br> %<br>| 14.50<br> %<br>|
| Large Cap Blend | MML VIP Invesco Main Street Equity Fund (Class II)<sup>(10)</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>(11)</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 | Goldman Sachs Strategic Growth Fund (Institutional)<br>***Adviser:*** Goldman Sachs Asset Management, L.P.<br>***Sub-Adviser:*** N/A | 0.70<br> %<br> <sup>(\*)</sup><br>| 17.92<br> %<br>| 12.76<br> %<br>| 16.43<br> %<br>|
| Large Cap Growth | Janus Henderson Forty Portfolio (Institutional)<br>***Adviser:*** Janus Henderson Investors US LLC<br>***Sub-Adviser:*** N/A | 0.62<br> %<br>| 18.14<br> %<br>| 11.65<br> %<br>| 16.24<br> %<br>|
| Large Cap Growth | MML VIP Invesco Discovery Large Cap Fund (Class II)<sup>(12)</sup><br>***Adviser:*** MML Investment Advisers, LLC<br>***Sub-Adviser:*** Invesco Advisers, Inc. | 0.78<br> %<br>|  |  |  |
| Large Cap Growth | MML VIP T. Rowe Price Blue Chip Growth Fund (Initial Class)<sup>(13)</sup><br>***Adviser:*** MML Investment Advisers, LLC<br>***Sub-Adviser:*** T. Rowe Price Associates, Inc. | 0.78<br> %<br>| 18.41<br> %<br>| 11.08<br> %<br>| 15.25<br> %<br>|
| Large Cap Growth | T. Rowe Price Blue Chip Growth Portfolio<br>***Adviser:*** T. Rowe Price Associates, Inc.<br>***Sub-Adviser:*** N/A | 0.75<br> %<br>| 18.74<br> %<br>| 11.68<br> %<br>| 15.54<br> %<br>|
| Small/Mid-Cap Value | Franklin Small Cap Value VIP Fund (Class 2)<br>***Adviser:*** Franklin Mutual Advisers, LLC<br>***Sub-Adviser:*** N/A | 0.91<br> %<br> <sup>(\*)</sup><br>| 7.65<br> %<br>| 8.86<br> %<br>| 9.81<br> %<br>|

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Fund Type** | **Fund and Adviser/Sub-Adviser** | **Current** **Expenses** **(expenses/** **average assets)** | **Average Annual Total Returns**<br>**(as of 12/31/2025)** | **Average Annual Total Returns**<br>**(as of 12/31/2025)** | **Average Annual Total Returns**<br>**(as of 12/31/2025)** |
| **Fund Type** | **Fund and Adviser/Sub-Adviser** | **Current** **Expenses** **(expenses/** **average assets)** | **1 Year** | **5 Year** | **10 Year**  |
| Small/Mid-Cap Blend | DWS Small Cap Index VIP (Class A)<br>***Adviser:*** DWS Investment Management Americas, Inc.<br>***Sub-Adviser:*** Northern Trust Investments, Inc. | 0.37<br> %<br> <sup>(\*)</sup><br>| 12.64<br> %<br>| 5.84<br> %<br>| 9.33<br> %<br>|
| Small/Mid-Cap Blend | MML VIP Invesco Small Cap Equity Fund (Initial Class)<sup>(14)</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 | MFS<sup>®</sup> New Discovery Series (Initial Class)<br>***Adviser:*** Massachusetts Financial Services Company<br>***Sub-Adviser:*** N/A | 0.87<br> %<br> <sup>(\*)</sup><br>| 12.96<br> %<br>| –0.28<br> %<br>| 10.74<br> %<br>|
| Small/Mid-Cap Growth | MML VIP Invesco Discovery Mid Cap Fund (Class II)<sup>(15)</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>(16)</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>(17)</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>(18)</sup><br>***Adviser:*** Invesco Advisers, Inc.<br>***Sub-Adviser:*** N/A | 1.00<br> %<br> <sup>(\*)</sup><br>| 16.32<br> %<br>| 2.15<br> %<br>| 5.64<br> %<br>|
| International/Global | Janus Henderson Global Research Portfolio (Institutional)<br>***Adviser:*** Janus Henderson Investors US LLC<br>***Sub-Adviser:*** N/A | 0.82<br> %<br>| 20.92<br> %<br>| 12.51<br> %<br>| 12.93<br> %<br>|
| International/Global | MML VIP Invesco Global Fund (Class II)<sup>(19)</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 | Templeton Foreign VIP Fund (Class 2)<br>***Adviser:*** Templeton Investment Counsel, LLC<br>***Sub-Adviser:*** N/A | 1.08<br> %<br> <sup>(\*)</sup><br>| 29.19<br> %<br>| 8.25<br> %<br>| 5.75<br> %<br>|
| Specialty<sup>(20)</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>(20)</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>|

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Fidelity and Contrafund 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) 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.

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

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

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

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

(5) 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.

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

(7) LVIP
 Avantis Large Cap Value Fund formerly known as LVIP American Century Disciplined Core Value Fund.

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

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

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

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

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

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

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

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

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

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

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

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

(20) 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.

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This Summary Prospectus incorporates by reference the Variable Universal Life policy's statutory prospectus and Statement of Additional Information (SAI), both dated April 27, 2026, as amended or supplemented. The SAI includes additional information about C.M. Life Variable Life Separate Account I. You can find the statutory prospectus and SAI at www.MassMutual.com/VUL. You can also obtain this information at no cost by calling (800) 272-2216 or by sending an email request to MassMutualServiceCenter@MassMutual.com.

EDGAR Contract Identifier: C000030137

LI4101-USP