Massachusetts Mutual Variable Annuity Separate Account 4

04/27/2026 | Press release | Distributed by Public on 04/27/2026 09:09

Prospectus by Investment Company (Form 497)

Supplement dated April 27, 2026

to the Prospectuses dated May 1, 2012, as supplemented, for:

Panorama Passage®
Issued by Massachusetts Mutual Life Insurance Company in New York

and C.M. Life Insurance Company in all other states

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

This supplement amends certain information in the above-referenced Prospectuses:

Fund Name Changes and Sub-Adviser Change

Effective April 24, 2026, the following fund was renamed and the following fund sub-adviser change occurred:

Old Fund Name New Fund Name

MML Managed Volatility Fund

Adviser: MML Investment Advisers, LLC

Sub-Adviser: Gateway Investment Advisers, LLC

MML VIP JPMorgan U.S. Research Enhanced Equity Fund

Adviser: MML Investment Advisers, LLC

Sub-Adviser: J.P. Morgan Investment Management Inc.

Effective April 24, 2026, the following funds were renamed:

Old Fund Name New Fund Name
MML Aggressive Allocation Fund MML VIP Aggressive Allocation Fund
MML Balanced Allocation Fund MML VIP Balanced Allocation Fund
MML Blend Fund MML VIP BlackRock® Balanced Fund
MML Blue Chip Growth Fund MML VIP T. Rowe Price Blue Chip Growth Fund
MML Conservative Allocation Fund MML VIP Conservative Allocation Fund
MML Equity Fund MML VIP Franklin Templeton Equity Fund
MML Equity Income Fund MML VIP T. Rowe Price Equity Income Fund
MML Equity Index Fund MML VIP BlackRock® Equity Index Fund
MML Fundamental Equity Fund MML VIP Invesco Main Street Equity Fund
MML Global Fund MML VIP Invesco Global Fund
MML Growth Allocation Fund MML VIP Growth Allocation Fund
MML Inflation-Protected and Income Fund MML VIP Barings Inflation-Protected and Income Fund
MML Invesco Discovery Large Cap Fund MML VIP Invesco Discovery Large Cap Fund
MML Invesco Discovery Mid Cap Fund MML VIP Invesco Discovery Mid Cap Fund
MML Managed Bond Fund MML VIP Barings Core Bond Fund
MML Mid Cap Growth Fund MML VIP T. Rowe Price Mid Cap Growth Fund
MML Moderate Allocation Fund MML VIP Moderate Allocation Fund
MML Short-Duration Bond Fund MML VIP Barings Short-Duration Bond Fund
MML Small Cap Growth Equity Fund MML VIP Wellington Small Cap Growth Equity Fund
MML U.S. Government Money Market Fund MML VIP Barings U.S. Government Money Market Fund

Fund Addition

Beginning April 27, 2026, the following fund will be available as an investment option under your contract. Information about the new fund is below:

Fund and Adviser/Sub-Adviser

VY® Columbia Real Estate Portfolio (Class S)

Adviser: Voya Investments, LLC

Sub-Adviser: Columbia Management Investment Advisers, LLC

If you have questions about this supplement, or other product questions, you may contact your registered representative, visit us online at www.MassMutual.com/contact-us, or call our Administrative Office at (800) 272-2216 (8 a.m.-8 p.m. Eastern Time).

For more information about the funds, read each fund prospectus. Prospectuses are available by going to www.MassMutual.com.

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Massachusetts Mutual Variable Annuity Separate Account 4 published this content on April 27, 2026, and is solely responsible for the information contained herein. Distributed via EDGAR on April 27, 2026 at 15:10 UTC. If you believe the information included in the content is inaccurate or outdated and requires editing or removal, please contact us at [email protected]