Massachusetts Mutual Variable Life Separate Account I

11/17/2025 | Press release | Distributed by Public on 11/17/2025 16:16

Post-Effective Amendment to Registration Statement by Investment Company (Form 485BPOS)

As filed with the Securities and Exchange Commission on or about November 17, 2025

Registration Statement File No. 333-50410
Registration Statement File No. 811-08075

UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

FORM N-6

REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933

☐  Pre-Effective Amendment No.

☒ Post-Effective Amendment No. 39

and/or

REGISTRATION STATEMENT UNDER THE INVESTMENT COMPANY ACT OF 1940

☒ Amendment No. 288
(Check appropriate box or boxes.)

Massachusetts Mutual Variable Life Separate Account I
(Exact Name of Registrant)

Massachusetts Mutual Life Insurance Company
(Name of Depositor)

1295 State Street, Springfield, Massachusetts 01111-0001
(Address of Depositor's Principal Executive Offices)

(413) 788-8411
(Depositor's Telephone Number, including Area Code)

Gary Murtagh
Head of Insurance Product & Operations Law
Massachusetts Mutual Life Insurance Company
1295 State Street
Springfield, Massachusetts 01111-0001
(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 __________ 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.

If appropriate, check the following box:

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

Title of Securities Being Registered: Units of Interest in Variable Universal Life II (VUL II), an individual, flexible premium, adjustable, variable life insurance policy.

PARTS A and B

The Prospectus, dated April 28, 2025, as supplemented, and the Statement of Additional Information, dated April 28, 2025, are incorporated into Parts A and B of this Post-Effective Amendment No. 39 by reference to Registrant's filing under Rule 485(b) as filed on April 25, 2025.

A supplement dated November 17, 2025 to the Prospectus is included in Part A of this Post-Effective Amendment No. 39.

Supplement dated November 17, 2025

to the Prospectuses and Updating Summary Prospectuses each dated April 28, 2025, as supplemented, for:

Variable Universal Life II

Issued by Massachusetts Mutual Life Insurance Company

Variable Universal Life

Issued by Massachusetts Mutual Life Insurance Company in California and 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 Additions

Beginning November 17, 2025, the following funds are added to Appendix A as investment options under your policy:

Fund Type

Fund and Adviser/Sub-Adviser

Current
Expenses (expenses/

average assets)

Average Annual Total Returns

(as of 12/31/2024)

1 Year 5 Year 10 Year
Small/Mid-Cap Growth MML Invesco Discovery Mid Cap Fund (Class II)**
Adviser: MML Investment Advisers, LLC
Sub-Adviser: Invesco Advisers, Inc.
0.83%

-

-

-

Large Cap

Growth

MML Invesco Discovery Large Cap Fund (Class II)**
Adviser: MML Investment Advisers, LLC
Sub-Adviser: Invesco Advisers, Inc.
0.74%

-

-

-

Large Cap

Blend

MML Fundamental Equity Fund (Class II)
Adviser: MML Investment Advisers, LLC
Sub-Adviser: Invesco Advisers, Inc.
0.80%*

23.71%

13.21%

13.43%

International/Global MML Global Fund (Class II)
Adviser: MML Investment Advisers, LLC
Sub-Adviser: Invesco Advisers, Inc.
0.81%*

5.59%

5.87%

7.55%

Small/Mid-Cap

Growth

MML Mid Cap Growth Fund (Initial Class)
Adviser: MML Investment Advisers, LLC
Sub-Adviser: T. Rowe Price Associates, Inc.
0.83%

11.16%

7.73%

10.20%

*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.

**The expenses are based on estimated amounts for the current fiscal year of the Fund. The Fund has not been in operation for a full calendar year, and therefore has no performance history. Performance history will be available for the Fund after it has been in operation for one calendar year.

page 1 of 2 PS25_17

Fund Name Change

· Effective November 14, 2025, the following fund was renamed:
Current Fund Name New Fund Name
MML Small Cap Equity Fund MML VIP Invesco Small Cap Equity Fund


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 on our website at www.MassMutual.com.

page 2 of 2 PS25_17

PART C
OTHER INFORMATION

Item 30.

Exhibits

Exhibit (a)

Board of Directors of Massachusetts Mutual Life Insurance Company authorizing the establishment of the Separate Account I - Incorporated by reference to Post-Effective Amendment No. 11 to Registration Statement File No. 333-206438 filed November 15, 2021

Exhibit (b)

Not Applicable.

Exhibit (c)

i.

Underwriting and Servicing Agreement dated December 16, 2014 by and between MML Investors Services, LLC and Massachusetts Mutual Life Insurance Company - Incorporated by reference to Post-Effective Amendment No. 28 to Registration Statement File No. 333-45039 filed June 25, 2021

ii.

Underwriting and Servicing Agreement (Distribution Servicing Agreement) dated April 1, 2014 between MML Strategic Distributors, LLC and Massachusetts Mutual Life Insurance Company - Incorporated by reference to Post-Effective Amendment No. 28 to Registration Statement File No. 333-45039 filed June 25, 2021

iii.

Template for Insurance Product Distribution Agreement (version 4/2021) (MML Strategic Distributors, LLC, 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

Exhibit (d)

i.

Form of Flexible Premium Adjustable Variable Life Insurance Policy - Incorporated by reference to Post- Effective Amendment No. 27 to Registration Statement File No. 333-50410 filed April 21, 2022

ii.

Form of Accelerated Death Benefit Rider - Incorporated by reference to Post-Effective Amendment No. 27 to Registration Statement File No. 333-50410 filed April 21, 2022

iii.

Form of Additional Insurance Rider - Incorporated by reference to Post-Effective Amendment No. 27 to Registration Statement File No. 333-50410 filed April 21, 2022

iv.

Form of Disability Benefit Rider - Incorporated by reference to Post-Effective Amendment No. 27 to Registration Statement File No. 333-50410 filed April 21, 2022

v.

Form of Guaranteed Insurability Rider - Incorporated by reference to Post-Effective Amendment No. 27 to Registration Statement File No. 333-50410 filed April 21, 2022

vi.

Form of Other Insured Rider - Incorporated by reference to Post-Effective Amendment No. 27 to Registration Statement File No. 333-50410 filed April 21, 2022

vii

Form of Substitute of Insured Rider - Incorporated by reference to Post-Effective Amendment No. 27 to Registration Statement File No. 333-50410 filed April 21, 2022

viii.

Form of Waiver of Monthly Charges Rider - Incorporated by reference to Post-Effective Amendment No. 27 to Registration Statement File No. 333-50410 filed April 21, 2022

Exhibit (e)

Form of Individual and Survivorship Life Insurance Application (rev 8/07) - Incorporated by reference to Post-Effective Amendment No. 27 to Registration Statement File No. 333-50410 filed April 21, 2022

Exhibit (f)

i.

Copy of Charter documentation as amended through August 10, 2008 of Massachusetts Mutual Life Insurance Company - Incorporated by reference to Post-Effective Amendment No. 28 to Registration Statement File No. 333-45039 filed June 25, 2021

ii.

By-Laws of Massachusetts Mutual Life Insurance Company as adopted April 8, 2015 - Incorporated by reference to Post-Effective Amendment No. 28 to Registration Statement File No. 333-45039 filed June 25, 2021

Exhibit (g)

Reinsurance Contracts

i.

BMA/Generali/SCOR Global Life USA Reinsurance Company

a.

Automatic YRT Agreement (Massachusetts Mutual Life Insurance Company, C.M. Life Insurance Company and MML Bay State Life Insurance Company) effective May 1, 2001 and amendments dated May 1, 2001, May 1, 2001, May 1, 2001, June 1, 2002, October 9, 2003, March 19, 2004, September 1, 2006, July 1, 2008, December 31, 2008, and August 1, 2009

1.

Amendment dated August 1, 2011 - Incorporated by reference to Post-Effective Amendment No. 22 to Registration Statement File No. 333-50410 filed April 25, 2012

2.

Amendments effective January 1, 2012 and July 30, 2012 - Incorporated by reference to Post-Effective Amendment No. 23 to Registration Statement File No. 333-50410 filed April 24, 2013

3.

Amendment effective May 1, 2001 - Incorporated by reference to Post-Effective Amendment No. 24 to Registration Statement File No. 333-50410 filed April 28, 2014

4.

Amendments effective June, 1, 2016, December 31, 2016, August 1, 2018, October 1, 2018, August 1, 2019 - Incorporated by reference to Post-Effective Amendment No. 33 to Registration Statement File No. 333-50410 filed April 28, 2021

5.

Amendment effective January 1, 2021 - Incorporated by reference to Post-Effective Amendment No. 37 to Registration Statement File No. 333-50410 filed April 25, 2024

ii.

Munich American Reassurance Company

a.

Automatic YRT Agreement (Massachusetts Mutual Life Insurance Company, C.M. Life Insurance Company and MML Bay State Life Insurance Company) dated May 1, 2001 and amendments dated May 1, 2001, May 1, 2001, May 1, 2001, June 1, 2002, March 19, 2004, July 1, 2006, September 1, 2006, July 1, 2008, December 31, 2008, and January 1, 2009 - Incorporated by reference to Post-Effective Amendment No. 21 to Registration Statement File No. 333-50410 filed April 26, 2011

1.

Amendment dated August 1, 2009 - Incorporated by reference to Post-Effective Amendment No. 3 to Registration Statement File No. 333-150916 filed April 26, 2011

2.

Amendments effective May 1, 2001 and July 30, 2012 - Incorporated by reference to Post-Effective Amendment No. 5 to Registration Statement File No. 333-150916 filed April 23, 2013

3.

Amendment effective May 1, 2001 - Incorporated by reference to Post-Effective Amendment No. 6 to Registration Statement File No. 333-150916 filed April 28, 2014

4.

Amendments effective October 1, 2018 and August 1, 2019 - Incorporated by reference to Post-Effective Amendment No. 17 to Registration Statement File No. 333-150916 filed April 28, 2020

5.

Amendment effective June 1, 2016 - Incorporated by reference to Post-Effective Amendment No. 33 to Registration Statement File No. 333-50410 filed April 28, 2021

6.

Amendment effective December 31, 2016 - Incorporated by reference to Post-Effective Amendment No. 31 to Registration Statement File No. 033-82060 filed April 27, 2021

7.

Amendment effective August 1, 2018 - Incorporated by reference to Post-Effective Amendment No. 26 to Registration Statement File No. 333-49457 filed April 27, 2021

8.

Amendment effective January 1, 2021 - Incorporated by reference to Post-Effective Amendment No. 37 to Registration Statement File No. 333-50410 filed April 25, 2024

iii.

RGA Reinsurance Company/Allianz

a.

Automatic YRT Agreement (Massachusetts Mutual Life Insurance Company, C.M. Life Insurance Company and MML Bay State Life Insurance Company) effective May 1, 2001 and amendments dated May 1, 2001, May 1, 2001, May 1, 2001, May 1, 2001, January 1, 2002, June 1, 2002, March 19, 2004, June 1, 2004, July 1, 2004, December 31, 2005, January 1, 2006, September 1, 2006, and January 1, 2009 - Incorporated by reference to Post-Effective Amendment No. 21 to Registration Statement File No. 333-50410 filed April 26, 2011

1.

Amendment dated August 1, 2009 - Incorporated by reference to Post-Effective Amendment No. 3 to Registration Statement File No. 333-150916 filed April 26, 2011

2.

RGA Reinsurance Company/Allianz amendments effective January 1, 2012 and July 30, 2012 - Incorporated by reference to Post-Effective Amendment No. 5 to Registration Statement File No. 333- 150916 filed April 23, 2013

3.

Amendment effective May 1, 2001 - Incorporated by reference to Post-Effective Amendment No. 6 to Registration Statement File No. 333-150916 filed April 28, 2014

4.

Amendment effective August 1, 2013 - Incorporated by reference to Post-Effective Amendment No. 24 to Registration Statement File No. 333-50410, under RGA Reinsurance Company/Allianz Reinsurance Agreement Amendments) filed April 28, 2014

5.

Amendments effective May 1, 2001, October 1, 2018 and August 1, 2019 - Incorporated by reference to Post-Effective Amendment No. 17 to Registration Statement File No. 333-150916 filed April 28, 2020

6.

Amendment effective December 31, 2016 - Incorporated by reference to Post-Effective Amendment No. 31 to Registration Statement File No. 033-82060 filed April 27, 2021

7.

Amendment effective August 1, 2018 - Incorporated by reference to Post-Effective Amendment No. 26 to Registration Statement File No. 333-49457 filed April 27, 2021

8.

Amendment effective January 1, 2021 - Incorporated by reference to Post-Effective Amendment No. 36 to Registration Statement File No. 333-50410 filed April 25, 2023

iv.

RGA Reinsurance Company

a.

Automatic YRT Agreement (Massachusetts Mutual Life Insurance Company, C.M. Life Insurance Company and MML Bay State Life Insurance Company) effective May 1, 2001 and amendments dated May 1, 2001, May 1, 2001, June 1, 2002, March 19, 2004, January 1, 2006, January 1, 2006, July 1, 2008, and December 31, 2008 - Incorporated by reference to Post-Effective Amendment No. 21 to Registration Statement File No. 333-50410 filed April 26, 2011.

1.

Amendment dated August 1, 2009 - Incorporated by reference to Post-Effective Amendment No. 3 to Registration Statement File No. 333-150916 filed April 26, 2011

2.

Amendments dated May 1, 2001, September 1, 2006, and January 1, 2009 - Incorporated by reference to the Post-Effective Amendment No. 21 to Registration Statement File No. 333-50410, under RGA Reinsurance Company/Allianz Reinsurance Agreement Amendments) filed April 26, 2011

3.

RGA Reinsurance Company/Allianz amendments effective January 1, 2012 and July 30, 2012 - Incorporated by reference to Post-Effective Amendment No. 5 to Registration Statement File No. 333- 150916 filed April 23, 2013

4.

Amendment effective May 1, 2001 - Incorporated by reference to Post-Effective Amendment No. 6 to Registration Statement File No. 333-150916 filed April 28, 2014

5.

Amendment effective August 1, 2013 - Incorporated by reference to Post-Effective Amendment No. 24 to Registration Statement File No. 333-50410 filed April 28, 2014

6.

Amendments effective May 1, 2001, October 1, 2018 and August 1, 2019 - Incorporated by reference to Post-Effective Amendment No. 17 to Registration Statement File No. 333-150916 filed April 28, 2020

7.

Amendment effective December 31, 2016 - Incorporated by reference to Post-Effective Amendment No. 31 to Registration Statement File No. 033-82060 filed April 27, 2021

8.

Amendment effective August 1, 2018 - Incorporated by reference to Post-Effective Amendment No. 26 to Registration Statement File No. 333-49457 filed April 27, 2021

9.

Amendment effective January 1, 2021 - Incorporated by reference to Post-Effective Amendment No. 36 to Registration Statement File No. 333-50410 filed April 25, 2023

v.

SLD

a.

Automatic YRT Agreement (Massachusetts Mutual Life Insurance Company, C.M. Life Insurance Company and MML Bay State Life Insurance Company) effective May 1, 2001 and amendments dated May 1, 2001, May 1, 2001, June 1, 2002, November 20, 2003, March 19, 2004, January 19, 2005, June 20, 2005, September 1, 2006, January 1, 2009 and August 1, 2009 - Incorporated by reference to Post-Effective Amendment No. 21 to Registration Statement File No. 333-50410 filed April 26, 2011

1.

Amendment dated August 1, 2011 - Incorporated by reference to Post-Effective Amendment No.22 to Registration Statement File No. 333-50410 filed April 25, 2012

2.

Amendments effective January 1, 2012 and July 30, 2012 - Incorporated by reference to Post-Effective Amendment No. 23 to Registration Statement File No. 333-50410 filed April 24, 2013

3.

Amendment effective May 1, 2011 - Incorporated by reference to Post-Effective Amendment No. 24 to Registration Statement File No. 333-50410 filed April 28, 2014

4.

Amendment effective December 31, 2016 - Incorporated by reference to Post-Effective Amendment No. 33 to Registration Statement File No. 333-50410 filed April 28, 2021

5.

Amendment effective August 1, 2018 - Incorporated by reference to Post-Effective Amendment No. 26 to Registration Statement File No. 333-49457 filed April 27, 2021

vi.

Scottish Re (U.S.) Inc.

a.

Automatic YRT Agreement (Massachusetts Mutual Life Insurance Company, C.M. Life Insurance Company and MML Bay State Life Insurance Company) dated January 19, 2005 and amendments dated January 19, 2005, January 19, 2005, January 19, 2005, September 1, 2006, July 1, 2008, January 1, 2009 and August 1, 2009 - Incorporated by reference to Post-Effective Amendment No. 21 to Registration Statement File No. 333-50410 filed April 26, 2011

1.

Amendment dated August 1, 2011 - Incorporated by reference to Post-Effective Amendment No. 17 to Registration Statement File No. 333-22557 filed April 25, 2012

2.

Amendments effective January 1, 2012 and July 30, 2012 - Incorporated by reference to Post-Effective Amendment No. 23 to Registration Statement File No. 333-50410 filed April 24, 2013

3.

Amendment effective May 31, 2016 - Incorporated by reference to Post-Effective Amendment No. 30 to Registration Statement File No. 333-22557 filed April 28, 2020

vii.

Swiss Re Life & Health America Inc.

a.

Automatic YRT Agreement (Massachusetts Mutual Life Insurance Company, C.M. Life Insurance Company and MML Bay State Life Insurance Company) effective May 1, 2001 and amendments dated May 1, 2001, May 1, 2001, May 1, 2001, June 1, 2002, March 19, 2004, September 1, 2006, July 1, 2008, December 31, 2008, and January 1, 2009 - Incorporated by reference to Post-Effective Amendment No. 21 to Registration Statement File No. 333-50410 filed April 26, 2011

1.

Amendment dated August 1, 2009 - Incorporated by reference to Post-Effective Amendment No. 3 to Registration Statement File No. 333-150916 filed April 26, 2011

2.

Amendment effective May 1, 2001 and July 30, 2012 - Incorporated by reference to Post-Effective Amendment No. 5 to Registration Statement File No. 333-150916 filed April 23, 2013

3.

Amendments effective January 1, 2012 - Incorporated by reference to Post-Effective Amendment No. 6 to Registration Statement File No. 333-150916 filed April 28, 2014

4.

Amendments effective October 1, 2018 and August 1, 2019 - Incorporated by reference to Post-Effective Amendment No. 17 to Registration Statement File No. 333-150916 filed April 28, 2020

5.

Amendments effective June 1, 2016, December 31, 2016, and August 1, 2018 - Incorporated by reference to Post-Effective Amendment No. 33 to Registration Statement File No. 333-50410 filed April 28, 2021

6.

Amendment effective December 29, 2016 - Incorporated by reference to Post-Effective Amendment No. 31 to Registration Statement File No. 033-82060 filed April 27, 2021

7.

Amendment effective January 1, 2021 - Incorporated by reference to Post-Effective Amendment No. 36 to Registration Statement File No. 333-50410 filed April 25, 2023

b.

MM Modified Coinsurance Agreement (Massachusetts Mutual Life Insurance Company and Swiss Re Life & Health America Inc.) dated December 29, 2016 (Portions of this exhibit have been omitted pursuant to a request for confidential treatment filed with the SEC on November 21, 2017) - Incorporated by reference to Post-Effective Amendment No. 28 to Registration Statement File No. 333-50410 filed November 21, 2017

1.

Amendment effective December 29, 2016 - Incorporated by reference to Post-Effective Amendment No. 33 to Registration Statement File No. 333-50410 filed April 28, 2021

2.

Amendment effective December 29, 2016 - Incorporated by reference to Post-Effective Amendment No. 31 to Registration Statement File No. 033-82060 filed April 27, 2021

3.

Amendment effective July 1, 2021 - Incorporated by reference to Post-Effective Amendment No. 37 to Registration Statement File No. 333-50410 filed April 25, 2024

Exhibit (h)

i.

Participation, Selling, Servicing Agreements:

a.

AIM Funds (Invesco Funds)

1.

Participation Agreement dated April 30, 2004 with revised Schedule A as of July 6, 2005 (AIM Variable Insurance Funds, A I M Distributors, Inc., and Massachusetts Mutual Life Insurance Company) - Incorporated by reference to Post-Effective Amendment No. 28 to Registration Statement File No. 333- 45039 filed June 25, 2021

i.

Amendment No. 1 effective as of July 1, 2008 - Incorporated by reference to Post-Effective Amendment No. 28 to Registration Statement File No. 333-45039 filed June 25, 2021

ii.

Amendment No. 2 effective April 30, 2010 - Incorporated by reference to Post-Effective Amendment No. 28 to Registration Statement File No. 333-45039 filed June 25, 2021

iii.

Amendment No. 3 effective May 1, 2011 - Incorporated by reference to Post-Effective Amendment No. 28 to Registration Statement File No. 333-45039 filed June 25, 2021

iv.

Amendment dated May 3, 2021 regarding Rules 30e-3 and 498A - Incorporated by reference to Post-Effective Amendment No. 11 to Registration Statement File No. 333-206438 filed November 15, 2021

2.

Financial Support Agreement dated October 1, 2016 (Invesco Distributors, Inc. and Massachusetts Mutual Life Insurance Company) - Incorporated by reference to Post-Effective Amendment No. 9 to Registration Statement File No. 333-150916 filed April 26, 2017

i.

Amendment No. 1 dated May 24, 2019 - Incorporated by reference to Post-Effective Amendment No. 11 to Registration Statement File No. 333-206438 filed November 15, 2021

ii.

Amendment No. 2 effective April 1, 2022 - Incorporated by reference to Post-Effective Amendment No. 2 to Registration Statement File No. 333-255824 filed April 25, 2023

3.

Administrative Services Agreement dated October 1, 2016 (Invesco Advisers, Inc. and Massachusetts Mutual Life Insurance Company) - Incorporated by reference to Post-Effective Amendment No. 28 to Registration Statement File No. 333-45039 filed June 25, 2021

b.

American Funds® Funds

1.

Participation Agreement dated as of March 7, 2003 (American Funds Insurance Series, Capital Research and Management Company, and Massachusetts Mutual Life Insurance Company) - Incorporated by reference to Post-Effective Amendment No. 34 to Registration Statement File No. 333-50410 filed April 21, 2022

i.

Amendment No. 1 dated August 1, 2004 - Incorporated by reference to Post-Effective Amendment No. 34 to Registration Statement File No. 333-50410 filed April 21, 2022

ii.

Amendment No. 2 dated as of May 1, 2006 - Incorporated by reference to Post-Effective Amendment No. 34 to Registration Statement File No. 333-50410 filed April 21, 2022

iii.

Amendment No. 3 dated as of April 30, 2010 - Incorporated by reference to Post-Effective Amendment No. 34 to Registration Statement File No. 333-50410 filed April 21, 2022

iv.

Amendment No. 4 dated as of November 18, 2020 - Incorporated by reference to Post-Effective Amendment No. 33 to Registration Statement File No. 333-50410 filed April 28, 2021

v.

Amendment No. 5 dated as of November 18, 2020 - Incorporated by reference to Post-Effective Amendment No. 34 to Registration Statement File No. 333-50410 filed April 21, 2022

vi.

Amendment No. 6 dated as of April 2, 2024 - Incorporated by reference to Post-Effective Amendment No. 7 to Registration Statement File No. 333-255824 filed April 25, 2024

2.

Business Agreement dated March 7, 2003 (Massachusetts Mutual Life Insurance Company, MML Distributors, LLC, American Funds Distributors, Inc. and Capital Research and Management Company) - Incorporated by reference to Post-Effective Amendment No. 34 to Registration Statement File No. 333-50410 filed April 21, 2022

i.

First amendment effective May 1, 2013 - Incorporated by reference to Post-Effective Amendment No. 34 to Registration Statement File No. 333-50410 filed April 21, 2022

ii.

Second amendment dated as of September 1, 2014 - Incorporated by reference to Post-Effective Amendment No. 34 to Registration Statement File No. 333-50410 filed April 21, 2022

iii.

Third amendment dated as of April 2, 2024 - Incorporated by reference to Post-Effective Amendment No. 3 to Registration Statement File No. 333-259818 filed April 25, 2024

c.

DWS Funds

1.

Participation Agreement made as of September 1, 1999 (BT Insurance Funds Trust, Bankers Trust Company, Massachusetts Mutual Life Insurance Company and C.M. Life Insurance Company) - Incorporated by reference to Post-Effective Amendment No. 34 to Registration Statement File No. 333- 50410 filed April 21, 2022

i.

Amendment No. 1 dated February 1, 2000 - Incorporated by reference to Post-Effective Amendment No. 34 to Registration Statement File No. 333-50410 filed April 21, 2022

ii.

Amendment No. 2 dated January 16, 2001 - Incorporated by reference to Post-Effective Amendment No. 34 to Registration Statement File No. 333-50410 filed April 21, 2022

iii.

Amendment No. 3 dated April 24, 2001 - Incorporated by reference to Post-Effective Amendment No. 34 to Registration Statement File No. 333-50410 filed April 21, 2022

iv.

Amendment No. 4 dated July 8, 2003 - Incorporated by reference to Post-Effective Amendment No. 34 to Registration Statement File No. 333-50410 filed April 21, 2022

v.

Amendment No. 5 dated August 1, 2004 - Incorporated by reference to Post-Effective Amendment No. 34 to Registration Statement File No. 333-50410 filed April 21, 2022

vi.

Amendment No. 6 dated October 1, 2006 - Incorporated by reference to Post-Effective Amendment No. 34 to Registration Statement File No. 333-50410 filed April 21, 2022

vii.

Amendment No. 7 dated July 12, 2010 - Incorporated by reference to Post-Effective Amendment No. 34 to Registration Statement File No. 333-50410 filed April 21, 2022

viii.

Amendment regarding Rules 30e-3 and 498A as of March 25, 2021 - Incorporated by reference to Post-Effective Amendment No. 35 to Registration Statement File No. 333-50410 filed April 28, 2022

d.

Fidelity® Funds

1.

Amended and Restated Participation Agreement dated May 22, 2017 (Fidelity® Variable Insurance Products Fund, Fidelity® Variable Insurance Products Fund II, Fidelity® Variable Insurance Products Fund III, Fidelity® Variable Insurance Products Fund IV, Fidelity® Variable Insurance Products Fund V, Fidelity Distributors Corporation and Massachusetts Mutual Life Insurance Company) - Incorporated by reference to Post-Effective Amendment No. 4 to Registration Statement File No. 333-202684 filed April 24, 2018

i.

First Amendment dated May 22, 2017 - Incorporated by reference to Post-Effective Amendment No. 10 to Registration Statement File No. 333-150916 filed April 24, 2018

ii.

Amendment dated January 21, 2019 - Incorporated by reference to Post-Effective Amendment No. 5 to Registration Statement File No. 333-202684 filed April 25, 2019

iii.

Amendment dated October 1, 2020 - Incorporated by reference to Post-Effective Amendment No. 28 to Registration Statement File No. 333-45039 filed June 25, 2021

iv.

Amendment dated March 1, 2021 - Incorporated by reference to Post-Effective Amendment No. 28 to Registration Statement File No. 333-45039 filed June 25, 2021

v.

Amendment dated October 18, 2023 - Incorporated by reference to Post-Effective Amendment No. 7 to Registration Statement File No. 333-255824 filed April 25, 2024

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

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

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

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

iii.

Third Amendment dated November 1, 2018 - Incorporated by reference to Initial Registration Statement File No. 333-259818 filed September 27, 2021

iv.

Fourth Amendment dated September 28, 2021 (C.M. Life Insurance Company becomes a party to the Agreement) - Incorporated by reference to Registration Statement File No. 333-206438 filed November 15, 2021

4.

Service Agreement dated October 1, 1999 - Incorporated by reference to Pre-Effective Amendment No. 2 to Registration Statement File No. 333-215823 filed June 14, 2017

i.

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

ii.

Second Amendment dated December 13, 2017 - Incorporated by reference to Post-Effective Amendment No. 10 to Registration Statement File No. 333-150916 filed April 24, 2018

iii.

Third Amendment dated January 1, 2021 - Incorporated by reference to Post-Effective Amendment No. 12 to Registration Statement File No. 333-202684 filed April 28, 2021

e.

Franklin Templeton Funds

1.

Participation Agreement dated as of May 1, 2000 (Franklin Templeton Variable Insurance Products Trust, Franklin Templeton Distributors, Inc. Massachusetts Mutual Life Insurance Company, C.M. Life Insurance Company and MML Bay State Life Insurance Company) - Incorporated by reference to Initial Registration Statement File No. 333-259818 filed September 27, 2021

i.

Amendment effective April 15, 2001 - Incorporated by reference to Initial Registration Statement File No. 333-259818 filed September 27, 2021

ii.

Amendment No. 2 effective May 1, 2003 (MML Distributors, LLC becomes a party to the Agreement) - Incorporated by reference to Initial Registration Statement File No. 333-259818 filed September 27, 2021

iii.

Amendment No. 3 effective June 5, 2007 - Incorporated by reference to Initial Registration Statement File No. 333-259818 filed September 27, 2021

iv.

Amendment No. 4 dated October 25, 2010 - Incorporated by reference to Initial Registration Statement File No. 333-259818 filed September 27, 2021

v.

Addendum effective as of March 20, 2012 (with MML Distributors, LLC) - Incorporated by reference to Initial Registration Statement File No. 333-259818 filed September 27, 2021

vi.

Amendment effective as of January 15, 2013 - Incorporated by reference to Initial Registration Statement File No. 333-259818 filed September 27, 2021

vii.

Amendment No. 6 executed as of August 6, 2014 - Incorporated by reference to Pre-Effective Amendment No. 1 to Registration Statement File No. 333-259818 filed December 17, 2021

viii.

Amendment No. 7 effective as of July 1, 2016 - Incorporated by reference to Post-Effective Amendment No. 21 to Registration Statement File No. 333-49457 filed April 26, 2017

ix.

Amendment No. 8 dated September 8, 2020 - Incorporated by reference to Post-Effective Amendment No. 28 to Registration Statement File No. 333-49457 filed April 28, 2021

x.

Amendment to Participation Agreement dated as of June 25, 2021 - Incorporated by reference to Post-Effective Amendment No. 3 to Registration Statement File No. 333-259818 filed April 25, 2024

xi.

Amendment as of September 1, 2022 - Incorporated by reference to Post-Effective Amendment No. 2 to Registration Statement File No. 333-259818 filed April 25, 2023

xii.

Amendment No. 11 effective July 25, 2023 - Incorporated by reference to Post-Effective Amendment No. 3 to Registration Statement File No. 333-259818 filed April 25, 2024

2.

Administrative Services Agreement dated May 1, 2002 (Franklin Templeton Services, LLC, 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. 2 to Registration Statement File No. 333-259818 filed April 25, 2023

i.

Amendment No. 1 dated August 10, 2005 - Incorporated by reference to Post-Effective Amendment No. 2 to Registration Statement File No. 333-259818 filed April 26, 2023

ii.

Amendment No. 2 dated December 28, 2007 - Incorporated by reference to Post-Effective Amendment No. 2 to Registration Statement File No. 333-259818 filed April 25, 2023

iii.

Amendment No. 3 dated October 14, 2016 - Incorporated by reference to Post-Effective Amendment No. 2 to Registration Statement File No. 333-259818 filed April 25, 2023

iv.

Amendment No. 4 dated September 8, 2020 - Incorporated by reference to Post-Effective Amendment No. 26 to Registration Statement File No. 333-49457 filed April 28, 2021

v.

Amendment No. 5 executed October 4, 2021 - Incorporated by reference to Pre-Effective Amendment No. 1 to Registration Statement File No. 333-259818 filed December 17, 2021

vi.

Amendment dated August 17, 2022 - Incorporated by reference to Post-Effective Amendment No. 2 to Registration Statement File No. 333-259818 filed April 25, 2023

vii.

Amendment No. 7 executed July 25, 2023 - Incorporated by reference to Post-Effective Amendment No. 3 to Registration Statement File No. 333-259818 filed April 25, 2024

f.

Goldman Sachs Funds

1.

Participation Agreement dated October 23, 1998 (Goldman Sachs Variable Insurance Trust, Goldman Sachs &Co. and Massachusetts Mutual Life Insurance Company) - Incorporated by reference to Post-Effective Amendment No. 34 to Registration Statement File No. 333-50410 filed April 21, 2022

i.

Amendment effective November 1, 1999 - Incorporated by reference to Post-Effective Amendment No. 34 to Registration Statement File No. 333-50410 filed April 21, 2022

ii.

Amendment 2, effective May 1, 2000 - Incorporated by reference to Post-Effective Amendment No. 34 to Registration Statement File No. 333-50410 filed April 21, 2022

iii.

Amendment 3 effective April 15, 2001 - Incorporated by reference to Post-Effective Amendment No. 34 to Registration Statement File No. 333-50410 filed April 21, 2022

iv.

Amendment 4 effective May 1, 2003 - Incorporated by reference to Post-Effective Amendment No. 34 to Registration Statement File No. 333-50410 filed April 21, 2022

v.

Amendment No. 5 effective April 6, 2011 - Incorporated by reference to Post-Effective Amendment No. 34 to Registration Statement File No. 333-50410 filed April 21, 2022

vi.

Amendment No. 6 dated October 1, 2016 - Incorporated by reference to Post-Effective Amendment No. 20 to Registration Statement File No. 333-65887 filed April 26, 2017

vii.

Amendment No. 7 dated October 14, 2020 - Incorporated by reference to Post-Effective Amendment No. 11 to Registration Statement on File No. 333-215823 filed April 28, 2021

viii.

Amendment regarding Rules 30e-3 and 498A as of September 28, 2021 - Incorporated by reference to Post-Effective Amendment No. 35 to Registration Statement File No. 333-50410 filed April 28, 2022

ix.

Amendment No. 8 to Participation Agreement dated October 2, 2023 - Incorporated by reference to Post-Effective Amendment No. 14 to Registration Statement File No. 333-215823 filed April 25, 2024

2.

Service Agreement dated October 1, 2016 for Service Class Shares (Goldman Sachs Variable Insurance Trust, Goldman Sachs & Co., Massachusetts Mutual Life Insurance Company, MML Investors Services, LLC, MML Distributors, LLC and MML Strategic Distributors, LLC) - Incorporated by reference to Pre-Effective Amendment No. 2 to Registration Statement File No. 333-215823 filed June 14, 2017

g.

Janus Aspen Funds (Institutional)

1.

Amended and Restated Participation Agreement dated March 1, 2023 (Janus Aspen Series and Massachusetts Mutual Life Insurance Company) - Incorporated by reference to Post-Effective Amendment No. 6 to Registration Statement File No. 333-229670 filed April 25, 2023

i.

Amendment Regarding Revocation of Rule 30e-3 dated November 4, 2024 - Incorporated by reference to Post-Effective Amendment No. 12 to Registration Statement File No. 333-229670 filed April 25, 2025

2 Janus Henderson Amended and Restated Administrative Services Letter dated March 1, 2023 (Janus Henderson Investors US LLC and Massachusetts Mutual Life Insurance Company) - Incorporated by reference to Post-Effective Amendment No. 6 to Registration Statement File No. 333-229670 filed April 25, 2023

h.

Janus Aspen Funds (Service)

1.

Participation Agreement dated March 14, 2002 (Massachusetts Mutual Life Insurance Company and Janus Aspen Series) - Incorporated by reference to Post-Effective Amendment No. 34 to Registration Statement File No. 333-50410 filed April 21, 2022

i.

Amendment No. 1 effective April 1, 2003 - Incorporated by reference to Post-Effective Amendment No. 34 to Registration Statement File No. 333-50410 filed April 21, 2022

ii.

Amendment No. 2 effective August 1, 2004 - Incorporated by reference to Post-Effective Amendment No. 34 to Registration Statement File No. 333-50410 filed April 21, 2022

iii.

Amendment No. 3 effective May 1, 2011 - Incorporated by reference to Post-Effective Amendment No. 34 to Registration Statement File No. 333-50410 filed April 21, 2022

iv.

Amendment regarding Rules 30e-3 and 498A as of March 25, 2021 - Incorporated by reference to Post-Effective Amendment No. 36 to Registration Statement File No. 333-50410 filed April 25, 2023

v.

Amendment Regarding Revocation of Rule 30e-3 dated November 4, 2024 - Incorporated by reference to Post-Effective Amendment No. 38 to Registration Statement File No. 333-50410 filed April 25, 2025

2.

Distribution and Shareholder Services Agreement dated as of March 14, 2002 (Janus Distributors, Inc. and Massachusetts Mutual Life Insurance Company) - Incorporated by reference to Post-Effective Amendment No. 34 to Registration Statement File No. 333-50410 filed April 21, 2022

i.

Re-direction of Payments Letter dated as of April 1, 2014 - Incorporated by reference to Post-Effective Amendment No. 36 to Registration Statement File No. 333-50410 filed April 25, 2023

i. Lincoln Funds
1. Fund Participation Agreement as of May 1, 2023 (Lincoln Variable Insurance Products Trust, Lincoln Financial Distributors, Inc., Lincoln Investment Advisors Corporation, Massachusetts Mutual Life Insurance Company and C.M. Life Insurance Company) - Incorporated by reference to Post-Effective Amendment No. 13 to Registration Statement No. 333-215823 filed April 25, 2023
i. Amendment effective April 29, 2024 - Incorporated by reference to Post-Effective Amendment No. 3 to Registration Statement No. 333-259818 filed April 25, 2024
2. Administrative Services Agreement as of May 1, 2023 (Lincoln Investment Advisors Corporation, Massachusetts Mutual Life Insurance Company and C.M. Life Insurance Company) - Incorporated by reference to Post-Effective Amendment No. 13 to Registration Statement No. 333-215823 filed April 25, 2023
i. First Amendment to Administrative Services Agreement effective April 29, 2024 - Incorporated by reference to Post-Effective Amendment No. 3 to Registration Statement No. 333-259818 filed April 25, 2024
3. Distribution Services Agreement as of April 29, 2024 (Lincoln Financial Distributors, Inc., MML Investors Services, LLC and MML Strategic Distributors, LLC) - Incorporated by reference to Post-Effective Amendment No. 3 to Registration Statement No. 333-259818 filed April 25, 2024

j.

MFS® Funds

1.

Amended and Restated Participation Agreement dated October 1, 2016 (MFS® Variable Insurance Trust, MFS® Variable Insurance Trust II, MFS® Variable Insurance Trust III, MFS® Fund Distributors, Inc. and Massachusetts Mutual Life Insurance Company) - Incorporated by reference to Post-Effective Amendment No. 23 to Registration Statement File No. 333-22557 filed April 26, 2017

i.

First Amendment dated October 1, 2020 - Incorporated by reference to Post-Effective Amendment No. 11 to Registration Statement File No. 333-215823 filed April 28, 2021

ii.

Second Amendment to Participation Agreement dated July 1, 2023 - Incorporated by reference to Post-Effective Amendment No. 35 to Registration Statement File No. 333-22557 filed April 25, 2024

2.

Shareholder Services Letter Agreement (re Administrative Services) dated October 1, 2016 (MFS Variable Insurance Trust, MFS Variable Insurance Trust II, MFS Variable Insurance Trust III, MFS Fund Distributors, Inc. and Massachusetts Mutual Life Insurance Company) - Incorporated by reference to Post-Effective Amendment No. 35 to Registration Statement File No. 333-22557 filed April 25, 2024

k.

MML Funds

1.

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

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

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

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

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

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

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

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

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

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

l.

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

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

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

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

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

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

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

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

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

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

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

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

m.

T. Rowe Price Funds

1.

Participation Agreement dated as of June 1, 1998 (T. Rowe Price Equity Series, Inc., T. Rowe Price Investment Services, Inc. and Massachusetts Mutual Life Insurance Company) - Incorporated by reference to Post-Effective Amendment No. 34 to Registration Statement File No. 333-22557 filed April 25, 2023

i.

Amendment effective December 15, 1999 (T. Rowe Price Fixed Income Series, Inc., becomes a party) - Incorporated by reference to Post-Effective Amendment No. 34 to Registration Statement File No. 333-22557 filed April 25, 2023

ii.

Amendment effective May 1, 2006 - Incorporated by reference to Post-Effective Amendment No. 34 to Registration Statement File No. 333-22557 filed April 25, 2023

iii.

Amendment effective January 7, 2008 - Incorporated by reference to Post-Effective Amendment No. 34 to Registration Statement File No. 333-22557 filed April 25, 2023

iv.

Amendment effective March 21, 2013 - Incorporated by reference to Post-Effective Amendment No. 34 to Registration Statement File No. 333-22557 filed April 25, 2023

v.

Amendment effective September 1, 2016 - Incorporated by reference to Post-Effective Amendment No. 23 to Registration Statement File No. 333-22557 filed April 26, 2017

vi.

Amendment dated November 11, 2020 - Incorporated by reference to Post-Effective Amendment No. 11 to Registration Statement File No. 333-215823 filed April 28, 2021

vii.

Variable Insurance Funds NSCC Services Supplement dated December 4, 2020 - Incorporated by reference to Post-Effective Amendment No. 11 to Registration Statement File No. 333-215823 filed April 28, 2021

viii.

Amendment dated April 7, 2021 regarding Rules 30e-3 and 498A - Incorporated by reference to Post-Effective Amendment No. 34 to Registration Statement File No. 333-22557 filed April 25, 2023

ix.

Amendment to Participation Agreement effective July 11, 2023 - Incorporated by reference to Post-Effective Amendment No. 35 to Registration Statement File No. 333-22557 filed April 25, 2024

2.

Administrative Fee Letter Agreement effective May 1, 2024 (T. Rowe Price Services, Inc. and Massachusetts Mutual Life Insurance Company) - Incorporated by reference to Post-Effective Amendment No. 3 to Registration Statement No. 333-259818 filed April 25, 2024

3.

Supplement to the Variable Insurance Portfolio Administrative Fee Agreement dated May 1, 2024 (T. Rowe Price Associates, Inc. and Massachusetts Mutual Life Insurance Company) - Incorporated by reference to Post-Effective Amendment No. 3 to Registration Statement No. 333-259818 filed April 25, 2024

4.

Distribution Services Agreement dated September 1, 2016 among T. Rowe Price Investment Services, Inc., Massachusetts Mutual Life Insurance Company MML Investors Services, LLC and MML Distributors, LLC. - Incorporated by reference to Pre-Effective Amendment No. 1 to Registration Statement File No. 333-259818 filed December 17, 2021

i.

Amendment dated December 9, 2021 - Incorporated by reference to Post-Effective Amendment No. 27 to Registration Statement File No. 333-49457 filed April 21, 2022

ii.

Shareholder Information Agreements (Rule 22c-2 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 Post-Effective Amendment No. 28 to Registration Statement File No. 333-45039 filed June 25, 2021

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

b.

American Funds Service Company effective October 16, 2007 (Massachusetts Mutual Life Insurance Company and C.M. Life Insurance Company) - Incorporated by reference to Initial Registration Statement File No. 333-259818 filed September 27, 2021

1.

Amendment No. 1 dated August 22, 2008 - Incorporated by reference to Initial Registration Statement File No. 333-259818 filed September 27, 2021

c.

DWS Scudder Distributors, Inc. effective October 16, 2007 (Massachusetts Mutual Life Insurance Company and C.M. Life Insurance Company) - Incorporated by reference to Post-Effective Amendment No. 34 to Registration Statement File No. 333-50410 filed April 21, 2022

d.

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

e.

Franklin/Templeton Distributors, Inc. effective April 16, 2007 (Massachusetts Mutual Life Insurance Company and C.M. Life Insurance Company) - Incorporated by reference to Initial Registration Statement File No. 333-259818 filed September 27, 2021

f.

Goldman Sachs & Co. effective October 16, 2007 (Massachusetts Mutual Life Insurance Company and C.M. Life Insurance Company) - Incorporated by reference to Initial Registration Statement File No. 333-259818 filed September 27, 2021

g.

Janus Aspen Series effective October 16, 2007 (Massachusetts Mutual Life Insurance Company and C.M. Life Insurance Company) - Incorporated by reference to Post-Effective Amendment No. 34 to Registration Statement File No. 333-50410 filed April 21, 2022

h.

MFS® Fund Distributors, Inc. effective October 16, 2007 (Massachusetts Mutual Life Insurance Company and C.M. Life Insurance Company) - Incorporated by reference to Initial Registration Statement File No. 333-259818 filed September 27, 2021

i.

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

j.

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

k.

T. Rowe Price Services, Inc., T. Rowe Price Investment Services, Inc. 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 Initial Registration Statement File No. 333-259818 filed September 27, 2021

1.

Amendment dated as of March 1, 2017 (T. Rowe Price Fixed Income Series, Inc. and T. Rowe Price Equity Series, Inc. are each made a party to the agreement) - Incorporated by reference to Post-Effective Amendment No. 23 to Registration Statement File No. 333-22557 filed April 26, 2017

2.

Amendment dated November 11, 2020 - Incorporated by reference to Post-Effective Amendment No. 26 to Registration Statement File No. 333-49457 filed April 28, 2021

Exhibit (i)

Not Applicable.

Exhibit (j)

Not Applicable.

Exhibit (k)

Opinion and Consent of Counsel - Incorporated by reference to Post-Effective Amendment No. 34 to Registration Statement File No. 333-50410 filed April 21, 2022

Exhibit (l)

Not Applicable.

Exhibit (m)

Not Applicable.

Exhibit (n)

i.

Auditor Consents:

•

Company Financial Statements  

•

Separate Account Financial Statements  

- Incorporated by reference to Post-Effective Amendment No. 38 to Registration Statement No. 333-50410 filed April 25, 2025

ii.

a.

Powers of Attorney for:

•

Roger W. Crandall

•

Kathleen A. Corbet

•

James H. DeGraffenreidt, Jr.

•

Mary Jane Fortin

•

Isabella D. Goren

•

Bernard A. Harris, Jr.

•

Michelle K. Lee

•

Jeffrey M. Leiden

•

Laura J. Sen

•

William T. Spitz

•

Amy M. Stepnowski

•

H. Todd Stitzer

- Incorporated by reference to Post-Effective Amendment No. 8 to Registration Statement File No. 333-255824 filed April 25, 2025

b.

Powers of Attorney for:

•

Gregory Giardiello

•

David H. Long

- Incorporated by reference to Post-Effective Amendment No. 9 to Registration Statement File No. 333-255824 filed September 4, 2025
iii. Resolution Regarding the Rules and Regulations of the Board of Directors dated February 13, 2019 - Incorporated by reference to Pre-Effective Amendment No. 3 to Registration Statement File No. 333-229670 filed October 2, 2020

Exhibit (o)

Not Applicable.

Exhibit (p)

Not Applicable.

Exhibit (q)

SEC Procedures Memorandum dated April 23, 2025, describing Massachusetts Mutual Life Insurance Company issuance, transfer, and redemption procedures for the Policy - Incorporated by reference to Post-Effective Amendment No. 12 to Registration Statement File No. 333-229670 filed April 25, 2025.

Item 31.       Directors and Officers of the Depositor

Directors of Massachusetts Mutual Life Insurance Company

Roger W. Crandall, Director, Chairman
1295 State Street
Springfield, MA 01111

Michelle K. Lee, Director
19952 Moran Lane
Saratoga, CA 95070

William T. Spitz, Director
16 Wynstone
Nashville, TN 37215

Kathleen A. Corbet, Director
34 Louises Lane
New Canaan, CT 06840

Jeffrey M. Leiden, Director
127 South Beach Road
Hobe Sound, FL 33455

Amy M. Stepnowski, Director
29 Newgate Drive
Glastonbury, CT 06033

James H. DeGraffenreidt, Jr., Director
406 Cedarcroft Road
Baltimore, MD 21212

David H. Long, Director
10 Strawberry Hill Street
Dover, MA 02030

H. Todd Stitzer, Lead Director
4409 Spring Island
Okatie, SC 29909
Isabella D. Goren, Director
8030 Acoma Lane
Dallas, TX 75252
Michael Thomas Rollings, Director
9625 E AW Tillinghast Road
Scottsdale, AZ 85262
Bernard A. Harris, Jr., Director
3333 Allen Parkway, #1709
Houston, Texas 77019
Laura J. Sen, Director
95 Pembroke Street, Unit 1
Boston, MA 02118

Principal Officers of Massachusetts Mutual Life Insurance Company

Roger W. Crandall, President and Chief Executive Officer

1295 State Street

Springfield, MA 01111

Eric Partlan, Chief Investment Officer

10 Fan Pier Boulevard

Boston, MA 02210

Elizabeth Marin, Treasurer

1295 State Street

Springfield, MA 01111

John Rugel, Head of Operations

10 Fan Pier Boulevard

Boston, MA 02210

Michael J. O'Connor, General Counsel

1295 State Street

Springfield, MA 01111

Susan Cicco, Head of Human Resources & Employee Experience

1295 State Street

Springfield, MA 01111

Mary Jane Fortin, Chief Financial Officer

10 Fan Pier Boulevard

Boston, MA 02210

Sears Merritt, Head of Technology & Experience

10 Fan Pier Boulevard

Boston, MA 02210

Dominic Blue, Head of Third-Party Distribution and New Markets

1295 State Street

Springfield, MA 01111

Geoffrey Craddock, Chief Risk Officer

10 Fan Pier Boulevard

Boston, MA 02210

Paul LaPiana, Head of Brand, Product and Affiliated Distribution

1295 State Street

Springfield, MA 01111

Tokunbo Akinbajo, Corporate Secretary

1295 State Street

Springfield, MA 01111

Gregory Giardiello, Corporate Controller

10 Fan Pier Boulevard

Boston, MA 02210

Item 32.       Persons Controlled by or Under Common Control with the Depositor or the Registrant

- Incorporated by reference to Post-Effective Amendment No. 9 to Registration Statement File No. 333-255824 filed September 4, 2025

Item 33.       Indemnification

MassMutual directors and officers are indemnified under Article V. of the by-laws of Massachusetts Mutual Life Insurance Company, 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 such paragraph. 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 each of its directors, and with each of its officers who serve as a director of a subsidiary of MassMutual, (a "Director"). Pursuant to the Agreements, MassMutual agrees to indemnify a 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 Director because he or she is a director if the Director (i) acted in good faith, (ii) reasonably believed the conduct was in the Company's best interests; (iii) had no reasonable cause to believe the conduct was unlawful (in a criminal proceeding); and, (iv) engaged in conduct for which the Director shall not be liable under MassMutual's Charter or By-Laws. MassMutual further agrees to indemnify a Director, to the extent permitted by law, against all Costs paid in connection with any proceeding (i) unless the 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 Director derived an improper benefit. MassMutual will also indemnify a Director, to the fullest extent authorized by the MBCA, against all expenses to the extent the Director has been successful on the merits or in defense of any proceeding. If any court determines that despite an adjudication of liability to MassMutual or its subsidiary that the Director is entitled to indemnification, MassMutual will indemnify the Director to the extent permitted by law. Subject to the Director's obligation to pay MassMutual in the event that the Director is not entitled to indemnification, MassMutual will pay the expenses of the Director prior to a final determination as to whether the Director is entitled to indemnification.

Item 34.         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.

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.

(b)

MMLIS and MSD are the principal underwriters for this policy. The following people are officers and directors of MMLIS and directors and officers 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
Boston, MA 02210
Paul LaPiana Director (*)
Jennifer Reilly Director 10 Fan Pier Boulevard
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
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
Boston, MA 02210
James Langham Vice President (*)
Michael Thomas Vice President 2 Park Ave.
New York, NY 10016
Daken Vanderburg Vice President (*)
Mary B. Wilkinson Vice President 10 Fan Pier Boulevard
Boston, MA 02210
David Holtzer Field Risk Officer (*)
Amy Francella Assistant Secretary (*)
Alyssa O'Connor Assistant Secretary (*)
Pablo Cabrera Assistant Treasurer 10 Fan Pier Boulevard
Boston, MA 02210
Jeffrey Sajdak Assistant Treasurer (*)
Elizabeth Marin Assistant Treasurer (*)
Kevin Lacomb Assistant Treasurer 10 Fan Pier Boulevard
Boston, MA 02210
Tricia Cohen Continuing Education Officer (*)
Mario Morton Registration Manager (*)
Kelly Pirrotta AML Compliance Officer (*)
John Rogan Regional Vice President (*)
Tanya Wilber Regional Vice President (*)
(*) 1295 State Street, Springfield, MA 01111-0001

OFFICERS AND DIRECTORS 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
Boston, MA 02210
Jennifer Reilly Director 10 Fan Pier Boulevard
Boston, MA 02210
Frank Rispoli Chief Financial Officer and Treasurer 10 Fan Pier Boulevard
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 (*)
Alyssa O'Connor Assistant Secretary (*)
Pablo Cabrera Assistant Treasurer 10 Fan Pier Boulevard
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
For information about all commissions and other compensation received by each principal underwriter, directly or indirectly, from the Registrant during the Registrant's last fiscal year, refer to the "Underwriters" section of the Statement of Additional Information.

Item 35.        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 Registrant through Massachusetts Mutual Life Insurance Company, 1295 State Street, Springfield, Massachusetts 01111-0001.

Item  36.        Management Services

Not Applicable.

Item 37.        Fee Representation

REPRESENTATION UNDER SECTION 26(f)(2)(A) OF
THE INVESTMENT COMPANY ACT OF 1940

Massachusetts Mutual Life Insurance Company hereby represents that the fees and charges deducted under the Variable Universal Life II ("VUL II") policy 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 Massachusetts Mutual 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 14th day of November, 2025

MASSACHUSETTS MUTUAL VARIABLE LIFE SEPARATE ACCOUNT I
(Registrant)

MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY
(Depositor)

By

ROGER W. CRANDALL *
Roger W. Crandall
President and Chief Executive Officer
(principal executive officer)
Massachusetts Mutual 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.

Signature**

Title

Date

ROGER W. CRANDALL *
Roger W. Crandall

Director and Chief Executive Officer
(principal executive officer)

November 14, 2025

MARY JANE FORTIN *
Mary Jane Fortin

Chief Financial Officer
(principal financial officer)

November 14, 2025

GREGORY GIARDIELLO *
Gregory Giardiello

Corporate Controller
(principal accounting officer)

November 14, 2025

KATHLEEN A. CORBET *
Kathleen A. Corbet

Director

November 14, 2025

JAMES H. DEGRAFFENREIDT, JR. *
James H. DeGraffenreidt, Jr.

Director

November 14, 2025

ISABELLA D. GOREN *
Isabella D. Goren

Director

November 14, 2025

BERNARD A. HARRIS, JR. *
Bernard A. Harris, Jr.

Director

November 14, 2025

MICHELLE K. LEE *
Michelle K. Lee

Director

November 14, 2025

JEFFREY M. LEIDEN *
Jeffrey M. Leiden

Director

November 14, 2025

DAVID H. LONG *
David H. Long

Director

November 14, 2025

Michael Thomas Rollings

Director

, 2025

LAURA J. SEN *
Laura J. Sen

Director

November 14, 2025

WILLIAM T. SPITZ *
William T. Spitz

Director

November 14, 2025

AMY M. STEPNOWSKI *
Amy M. Stepnowski

Director

November 14, 2025

H. TODD STITZER *
H. Todd Stitzer

Director

November 14, 2025

** MAJORITY OF DIRECTORS
/s/ GARY F. MURTAGH
* Gary F. Murtagh
Attorney-in-Fact pursuant to Powers of Attorney
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