Product SnapshotMassMutual EvolutionSM variable annuity

MassMutual Evolution is a variable annuity designed to help you accumulate assets and easily transition into the income phase of retirement with the ability to create guaranteed income for life. It combines brand name money management with unique protection benefits. These benefits can provide you with guaranteed accumulation during your life or beneficiary protection upon your death, all backed by the financial strength of Massachusetts Mutual Life Insurance Company (MassMutual).Guarantees are based on the claims-paying ability of the issuing company and do not apply to the investment performance or the safety of amounts held in the variable investments.

A Product Guide for Individuals

Issue Age (Owner/Annuitant)• Minimum: None• Maximum: 90 InNewYork:85

(MaximumagemaybelimitedbyBrokerDealer.)

Age = 6 months prior to and after the stated age. Ex: 89 yrs., 6 mo., 1 day ^ Age 90 _ 90 yrs., 6 mo.

Annuity PaymentsFlexiblepaymentchoicesareavailablerangingfromincomeforlifetopaymentsforaspecificperiod.Theymaybegin13monthsafterissue.

Investment Minimum• InitialInvestment:$15,000(qualified),$50,000(non-qualified)

• SubsequentPurchasePayments:$250.Iflessthan$250,subjecttoourapproval.

Standard Contingent Deferred Sales Charges (CDSC) (Non-Rolling)

Assessedontheamountwithdrawnthatexceedsthefreewithdrawalamountandtheamountyouapplytoanannuityoption.Exceptionsapply;pleaserefertotheproductprospectus.

10% Free Withdrawal Provision• Year1–upto10%ofpurchasepaymentsreducedbyanyfreewithdrawalamountpreviouslytakenduringthecontractyear.

• Year2+–upto10%ofthecontractvalueasoftheendofthepreviouscontractyear,plus10%ofpurchasepaymentsreceivedinthecurrentcontractyear(reducedbyanyfreewithdrawalspreviouslytaken).

Liquidatedearningsaresubjecttoordinaryincometaxandmaybesubjecttoacontingentdeferredsalescharge.Iftakenpriortoage591⁄2,a10%federalincometaxpenaltymayapply.

Years 1 2 3 4 5

CDSC 7% 6% 6% 4% 0%

Not FDIC/NCUA INSUrED No BANk/CrEDIt UNIoN GUArANtEE MAy LoSE VALUE

Not INSUrED By ANy GoVErNMENt AGENCy

Not A BANk/CrEDIt UNIoN DEpoSIt or othEr oBLIGAtIoN

Asset Management Tools

• SeparateAccountDollarCostAveragingProgram

• DollarCostAverage(DCA)FixedAccounts

• InterestSweepOption

• AutomaticRebalancingProgram

• CustomAllocationChoiceSelect

• AutomaticInvestmentPlan

Theseprogramsinvolvecontinuousorperiodicinvestingand

neitherensureaprofitnorprotectagainstalossindeclin-

ingmarkets.Becausetheseprogramsinvolvecontinuousor

periodicinvestingregardlessoffluctuatingpricelevels,you

shouldcarefullyconsideryourfinancialabilitytocontinue

investingthroughperiodsoffluctuatingmarketprices.

Theinvestmentreturnandprincipalvalueofavariable

annuitywillfluctuatewithmarketconditions.Accumulation

units,whenredeemed,maybeworthmoreorlessthan

theiroriginalcost.

1 Deducted each business day from the assets of the separate account. Charge is equal to the percentage shown on an annual basis of the daily value of the assets invested in each fund, after fund expenses are deducted.

MassMutual Evolution Fees and Charges

Fees and Charges Current MaximumAnnual Contract Maintenance FeeDeducted at the end of each contract year

$40 per year $60 per year

Total Separate Account Charges1 1.75%0.20% persistency credit at the end of the 10th contract year and each contract year thereafter.

Exchanges end of the first contract year.

2.00%

Optional Feature Charges Current MaximumAnnual Ratchet Death Benefit 1 0.40% 0.90%

10-Year Guaranteed Minimum Accumulation Benefit 1 0.95% 1.00%

20-Year Guaranteed Minimum Accumulation Benefit 1

(26-Year in New York)0.95% 1.00%

For more detailed information about these optional features, please see a current prospectus or our product brochure.

Massachusetts Mutual Life Insurance Company (MassMutual) variable annuities offer some of the most recognizable names in money management today.

MassMutualEvolutionprovidescontractownerswithawidevarietyof

sub-accountsmanagedbyhigh-caliberinvestmentmanagers.The

consistent,qualityinvestmentstrategiesofferedbytheseexperienced

investmentmanagementcompaniesmayhelpyouattainyourdesired

investmentresultsoverthelongterm.

As of May 1, 2014, subject to change.

The information provided is not written or intended as specific tax or legal advice and may not be relied on for purposes of avoiding any Federal tax penalties. MassMutual, its employees and representatives are not authorized to give tax or legal advice. Individuals are encouraged to seek advice from their own tax or legal counsel.

Before purchasing MassMutual Evolution, you should carefully consider the investment objectives, risks, charges and expenses of the variable annuity. For this and other information, obtain the MassMutual Evolution prospectus from your registered representative. Please read the prospectus carefully before investing or sending money. You may also obtain the prospectuses (or summary prospectuses, if available) for the annuity’s underlying investment choices from your registered representative.

The product, certain features and/or investments may not be available in all states or with all firms contracted with MassMutual.

MassMutual Evolution [Contract Form #TMLS, TMLS (NC)] is a variable annuity contract issued by Massachusetts Mutual Life Insurance Company, Springfield, MA 01111-0001.

Variable annuities are offered through registered representatives of MML Investors Services, LLC, Springfield, MA 01111-0001 or a broker-dealer that has a selling agreement with MML Strategic Distributors, LLC, Springfield, MA 01111-0001.

Principal Underwriters: MML Investors Services, LLC and MML Strategic Distributors, LLC, subsidiaries of Massachusetts Mutual Life Insurance Company, Springfield, MA 01111-0001.

© 2014 Massachusetts Mutual Life Insurance Company, Springfield, MA 01111-0001. All rights reserved. www.massmutual.com. MassMutual Financial Group is a marketing name for Massachusetts Mutual Life Insurance Company (MassMutual) and its affiliated companies and sales representatives.

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