Panorama Premier Variable Annuity

Issued by C.M. Life Insurance Company

C.M. Multi-Account A

Updating Summary Prospectus – April 27, 2026

This Summary Prospectus summarizes key features of the Panorama Premier Variable Annuity (Contract), an individual deferred variable annuity contract issued by C.M. Life Insurance Company (“C.M. Life,” “Company,” “we,” “us”).

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

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

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

Glossary

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

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

Annuity Options. Options available for Annuity Payments.

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

Contingent Deferred Sales Charge (CDSC). A charge that may be assessed against each Purchase Payment withdrawn from the Contract. (In some states referred to as surrender charge.)

Contract. The Panorama Premier Variable Annuity; a deferred individual variable annuity contract.

Contract Owner. The person(s) or entity entitled to ownership rights under the Contract. We allow multiple Contract Owners, subject to certain restrictions (see “Ownership”). Where we describe multiple Contract Owners, we refer to them as Joint Owners.

Contract Value. The sum of your values in the Sub-Accounts and the fixed accounts during the Accumulation Phase.

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

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

Joint Owner. A person entitled to ownership rights under the Contract.

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

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

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

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

Updated Information About Your Contract

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

Fund Substitutions


Existing Fund (Share Class)	Replacement Fund (Share Class)
Invesco V.I. Discovery Large Cap Fund (Series I)	MML Invesco Discovery Large Cap Fund (Class II)
Invesco V.I. Discovery Mid Cap Growth Fund (Series I)	MML Invesco Discovery Mid Cap Fund (Class II)
Invesco V.I. Main Street Fund^® (Series I)	MML Fundamental Equity Fund (Class II)

Fund Addition

VY^® Columbia Real Estate Portfolio

Share Class Merger

MML Fundamental Equity Fund (Service Class I) was replaced by MML Fundamental Equity Fund (Class II).

Fund Name Changes


Current Fund Name	New Fund Name
Invesco Oppenheimer V.I. International Growth Fund	Invesco V.I. International Growth Fund
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 Large Cap Growth Fund	MML VIP Loomis Sayles Large Cap Growth Fund
MML Managed Bond Fund	MML VIP Barings Core Bond Fund
MML Managed Volatility Fund	MML VIP JPMorgan U.S. Research Enhanced Equity Fund
MML Mid Cap Growth Fund	MML VIP T. Rowe Price Mid Cap Growth Fund
MML Mid Cap Value Fund	MML VIP American Century Mid Cap Value 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 Equity Fund	MML VIP Invesco Small Cap Equity Fund
MML Small Cap Growth Equity Fund	MML VIP Wellington Small Cap Growth Equity Fund


Current Fund Name	New Fund Name
MML Total Return Bond Fund	MML VIP Fidelity Institutional AM^® Core Plus Bond Fund
MML U.S. Government Money Market Fund	MML VIP Barings U.S. Government Money Market Fund

Sub-Adviser Changes

FIAM LLC replaced Metropolitan West Asset Management, LLC as the sub-adviser to the MML VIP Fidelity Institutional AM^® Core Plus Bond Fund (formerly MML Total Return Bond Fund).

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

Updates to Annual Contribution Levels

Annual contribution limits for certain Qualified Contracts have been updated.

Important Information You Should Consider About the Contract


	FEES, EXPENSES, AND ADJUSTMENTS	LOCATION IN PROSPECTUS
Are There Charges or Adjustments for Early Withdrawals?	Yes. If you withdraw money from your Contract within seven years following each Purchase Payment or apply Contract Value to Annuity Options E or F, you may be assessed a Contingent Deferred Sales Charge (CDSC) of up to 7% of the amount withdrawn (less up to a 10% free withdrawal amount) or applied to Annuity Options E or F, declining to 0% after the seventh year. For example, if you make a $100,000 Purchase Payment and withdraw that $100,000 Purchase Payment during the first year after the Purchase Payment is made and there have been no prior withdrawals from the Contract, you could be assessed a charge of up to $6,300 on the Purchase Payment withdrawn. This could result in a loss of principal regardless of market performance. This loss will be greater if income taxes or premature distribution taxes apply.	Charges and Deductions – Contingent Deferred Sales Charge (CDSC)
Are There Transaction Charges?	No. Currently, we do not assess a charge to transfer Contract Value among the investment options during the Accumulation Phase. However, we reserve the right to assess a charge equal to the lesser of $20 or 2% of the amount transferred for each transfer after the first 12 in a single calendar year.	Charges and Deductions – Transfer Fee


	FEES, EXPENSES, AND ADJUSTMENTS			LOCATION IN PROSPECTUS
Are There Ongoing Fees and Expenses?	Yes. The table below describes the fees and expenses that you may pay each year, depending on the investment options and optional benefits you choose. Please refer to your Contract specifications page for information about the specific fees you will pay each year based on the options you elected.			Charges and Deductions
	Annual Fee	Minimum	Maximum
	Base Contract	1.40%⁽¹⁾	1.40%⁽¹⁾
	Fund fees and expenses	0.44%⁽²⁾	3.48%⁽²⁾
	Optional benefits available for an additional charge (for a single optional benefit, if elected)	0.15%⁽³⁾	0.15%⁽⁴⁾
	Because your Contract is customizable, the choices you make affect how much you will pay. To help you understand the cost of owning your Contract, the following table shows the lowest and highest cost you could pay each year, based on current charges. This estimate assumes that you do not take withdrawals from the Contract, which could result in the assessment of CDSCs that substantially increase costs.
	Lowest Annual Cost:	Highest Annual Cost:⁽⁵⁾
	$1,620	$3,879
	Assumes: • Investment of $100,000 • 5% annual appreciation • Least expensive Fund fees and expenses • No optional benefits • No CDSC • No additional Purchase Payments, transfers, or withdrawals	Assumes: • Investment of $100,000 • 5% annual appreciation • Most expensive combination of optional benefits and Fund Fees and expenses • No CDSC • No additional Purchase Payments, transfers, or withdrawals

(1)

Represents the mortality and expense risk charge and administrative charge (charged as a percentage of average account value in the Separate Account on an annualized basis) and the annual contract maintenance charge (a fixed dollar amount that may be waived for certain Contract Value amounts) collected during the Contract Year that are attributable to the Contract divided by the total average net assets that are attributable to the Contract.

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

(3)	This charge is the lowest current charge for the optional benefit available with this contract. It is the current charge for the Ratchet Death Benefit.

(4)	This charge is the highest current charge for the optional benefit available with this contract. It is the current charge for the Ratchet Death Benefit.

(5)	The calculation of the highest annual cost assumes election of the Ratchet Death Benefit.


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


	RESTRICTIONS	LOCATION IN PROSPECTUS
Are There Restrictions on the Investment Options?	Yes. • Currently, there is no charge when you transfer Contract Value among investment options. However, C.M. Life reserves the right to assess a charge equal to the lesser of $20 or 2% of the amount transferred for each transfer after the first 12 in a single calendar year. • C.M. Life reserves the right to remove or substitute Funds as investment options that are available under the Contract. • We reserve the right to limit transfers if frequent or large transfers occur. • We reserve the right to reject subsequent Purchase Payments into the DCA Fixed Account to establish a DCA Fixed Account Term or into a current DCA Term. • You may not transfer your Contract Value in a DCA Fixed Account to The Fixed Account. • Transfers from The Fixed Account to the Funds are subject to certain restrictions.	General Information about C.M. Life Insurance Company, the Separate Account and the Investment Options – The Funds Transfers and Transfer Programs Transfers and Transfer Programs – Transfers During the Accumulation Phase
Are There Any Restrictions on Contract Benefits?	Yes. • The Annual Ratchet Death Benefit was only available if the Contract Owner purchased a Contract on or after May 1, 2000 and was under Age 80. • Withdrawals may negatively impact the Annual Ratchet Death Benefit.	Death Benefit – Ratchet Death Benefit

TAXES

LOCATION IN PROSPECTUS

What are the Contract’s Tax Implications?

•

You should consult with a tax professional to determine the tax implications of an investment in and payments received under the Contract.

•

If your Contract is funding a qualified retirement plan or individual retirement annuity (IRA), you do not receive any additional tax deferral.

•

Earnings on your Contract are taxed at ordinary income tax rates when you withdraw them, and you may have to pay an additional income tax if you take a withdrawal before age 59½. Earnings for this purpose consist of Contract Value in excess of your after-tax investment (cost basis) in the Contract.

Taxes


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

Appendix A

Investment Options Available Under the Contract

Funds Available Under the Contract

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

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


Fund Type	Fund and Adviser/Sub-Adviser	Current Expenses (expenses/ average assets)	Average Annual Total Returns (as of 12/31/2025)
Fund Type	Fund and Adviser/Sub-Adviser	Current Expenses (expenses/ average assets)	1 Year	5 Year	10 Year
Asset Allocation	MML VIP Aggressive Allocation Fund (Initial Class)⁽¹⁾⁽²⁾ *Adviser:* MML Investment Advisers, LLC *Sub-Adviser:* N/A	0.98 %	14.17 %	8.36 %	9.53 %
Asset Allocation	MML VIP Balanced Allocation Fund (Initial Class)⁽¹⁾⁽³⁾ *Adviser:* MML Investment Advisers, LLC *Sub-Adviser:* N/A	0.86 %	11.10 %	4.76 %	6.33 %
Asset Allocation	MML VIP Conservative Allocation Fund (Initial Class)⁽¹⁾⁽⁴⁾ *Adviser:* MML Investment Advisers, LLC *Sub-Adviser:* N/A	0.83 %	10.29 %	3.98 %	5.59 %
Asset Allocation	MML VIP Growth Allocation Fund (Initial Class)⁽¹⁾⁽⁵⁾ *Adviser:* MML Investment Advisers, LLC *Sub-Adviser:* N/A	0.90 %	12.99 %	7.08 %	8.38 %
Asset Allocation	MML VIP Moderate Allocation Fund (Initial Class)⁽¹⁾⁽⁶⁾ *Adviser:* MML Investment Advisers, LLC *Sub-Adviser:* N/A	0.87 %	11.83 %	5.72 %	7.08 %
Money Market	Invesco V.I. U.S. Government Money Portfolio (Series I)⁽⁷⁾⁽⁸⁾ *Adviser:* Invesco Advisers, Inc. *Sub-Adviser:* N/A	0.67 %	3.65 %	2.80 %	1.76 %
Money Market	MML VIP Barings U.S. Government Money Market Fund (Initial Class)⁽⁷⁾⁽⁹⁾ *Adviser:* MML Investment Advisers, LLC *Sub-Adviser:* Barings LLC	0.52 %	3.80 %	2.87 %	1.80 %
Fixed Income	Invesco V.I. Core Plus Bond Fund (Series I)⁽¹⁰⁾ *Adviser:* Invesco Advisers, Inc. *Sub-Adviser:* N/A	0.62 % ^(*)	7.09 %	–0.11 %	2.99 %
Fixed Income	Invesco V.I. Global Strategic Income Fund (Series I) *Adviser:* Invesco Advisers, Inc. *Sub-Adviser:* N/A	0.95 % ^(*)	12.98 %	1.65 %	3.01 %
Fixed Income	MML VIP Barings Core Bond Fund (Service Class)⁽¹¹⁾ *Adviser:* MML Investment Advisers, LLC *Sub-Adviser:* Barings LLC	0.70 %	7.59 %	0.23 %	2.38 %


Fund Type	Fund and Adviser/Sub-Adviser	Current Expenses (expenses/ average assets)	Average Annual Total Returns (as of 12/31/2025)
Fund Type	Fund and Adviser/Sub-Adviser	Current Expenses (expenses/ average assets)	1 Year	5 Year	10 Year
Fixed Income	MML VIP Barings Inflation-Protected and Income Fund (Initial Class)⁽¹²⁾ *Adviser:* MML Investment Advisers, LLC *Sub-Adviser:* Barings LLC	0.65 %	5.89 %	1.12 %	3.15 %
Fixed Income	MML VIP Barings Short-Duration Bond Fund (Service Class I)⁽¹³⁾ *Adviser:* MML Investment Advisers, LLC *Sub-Adviser:* Barings LLC	0.84 %	5.76 %	2.30 %	2.31 %
Fixed Income	MML VIP Fidelity Institutional AM^® Core Plus Bond Fund (Service Class I)⁽¹⁴⁾ *Adviser:* MML Investment Advisers, LLC *Sub-Adviser:* FIAM LLC	0.86 %	7.03 %	–1.10 %	1.58 %
Balanced	Invesco V.I. Equity and Income Fund (Series I)⁽¹⁵⁾ *Adviser:* Invesco Advisers, Inc. *Sub-Adviser:* N/A	0.57 %	12.81 %	8.94 %	8.92 %
Balanced	MML VIP BlackRock^® Balanced Fund (Initial Class)⁽¹⁾⁽¹⁶⁾ *Adviser:* MML Investment Advisers, LLC *Sub-Adviser:* BlackRock Investment Management, LLC	0.51 %	12.84 %	7.86 %	9.21 %
Large Cap Value	MML Income & Growth Fund (Initial Class) *Adviser:* MML Investment Advisers, LLC *Sub-Adviser:* Barrow, Hanley, Mewhinney & Strauss, LLC	0.72 %	13.34 %	12.35 %	10.73 %
Large Cap Value	MML VIP Franklin Templeton Equity Fund (Initial Class)⁽¹⁷⁾ *Adviser:* MML Investment Advisers, LLC *Sub-Adviser:* Brandywine Global Investment Management, LLC	0.44 %	17.49 %	13.75 %	11.23 %
Large Cap Value	MML VIP T. Rowe Price Equity Income Fund (Initial Class)⁽¹⁸⁾ *Adviser:* MML Investment Advisers, LLC *Sub-Adviser:* T. Rowe Price Associates, Inc.	0.79 %	14.45 %	11.14 %	10.52 %
Large Cap Blend	Fidelity^® VIP Contrafund^® Portfolio (Initial Class) *Adviser:* Fidelity Management & Research Company LLC *Sub-Advisers:* FMR Investment Management (UK) Limited, Fidelity Management & Research (Hong Kong) Limited, and Fidelity Management & Research (Japan) Limited	0.54 %	21.48 %	15.36 %	15.77 %
Large Cap Blend	Invesco V.I. Diversified Dividend Fund (Series I) *Adviser:* Invesco Advisers, Inc. *Sub-Adviser:* N/A	0.68 %	15.74 %	10.80 %	9.20 %
Large Cap Blend	MML Focused Equity Fund (Service Class I) *Adviser:* MML Investment Advisers, LLC *Sub-Adviser:* Wellington Management Company LLP	1.15 %	7.75 %	8.48 %	12.23 %
Large Cap Blend	MML Sustainable Equity Fund (Initial Class) *Adviser:* MML Investment Advisers, LLC *Sub-Adviser:* American Century Investment Management, Inc.	0.56 %	11.50 %	11.93 %	12.98 %
Large Cap Blend	MML VIP BlackRock^® Equity Index Fund (Class I)⁽¹⁹⁾ *Adviser:* MML Investment Advisers, LLC *Sub-Adviser:* BlackRock Advisors, LLC	0.44 %	17.36 %	13.92 %	14.33 %
Large Cap Blend	MML VIP Invesco Main Street Equity Fund (Class II)⁽²⁰⁾ *Adviser:* MML Investment Advisers, LLC *Sub-Adviser:* Invesco Advisers, Inc.	0.80 %	16.15 %	12.47 %	14.45 %


Fund Type	Fund and Adviser/Sub-Adviser	Current Expenses (expenses/ average assets)	Average Annual Total Returns (as of 12/31/2025)
Fund Type	Fund and Adviser/Sub-Adviser	Current Expenses (expenses/ average assets)	1 Year	5 Year	10 Year
Large Cap Blend	MML VIP JPMorgan U.S. Research Enhanced Equity Fund (Initial Class)⁽²¹⁾ *Adviser:* MML Investment Advisers, LLC *Sub-Adviser:* J.P. Morgan Investment Management Inc.	0.77 %	10.59 %	7.06 %	6.11 %
Large Cap Growth	MML VIP Invesco Discovery Large Cap Fund (Class II)⁽²²⁾ *Adviser:* MML Investment Advisers, LLC *Sub-Adviser:* Invesco Advisers, Inc.	0.78 %	—	—	—
Large Cap Growth	MML VIP Loomis, Sayles Large Cap Growth Fund (Initial Class)⁽²³⁾ *Adviser:* MML Investment Advisers, LLC *Sub-Adviser:* Loomis, Sayles & Company, L.P.	0.70 %	15.09 %	14.97 %	16.34 %
Large Cap Growth	MML VIP T. Rowe Price Blue Chip Growth Fund (Initial Class)⁽²⁴⁾ *Adviser:* MML Investment Advisers, LLC *Sub-Adviser:* T. Rowe Price Associates, Inc.	0.78 %	18.41 %	11.08 %	15.25 %
Small/Mid-Cap Value	MML Small/Mid Cap Value Fund (Initial Class) *Adviser:* MML Investment Advisers, LLC *Sub-Adviser:* AllianceBernstein L.P.	0.82 %	2.40 %	8.68 %	8.70 %
Small/Mid-Cap Value	MML VIP American Century Mid Cap Value Fund (Initial Class)⁽²⁵⁾ *Adviser:* MML Investment Advisers, LLC *Sub-Adviser:* American Century Investment Management, Inc.	0.89 %	8.97 %	8.80 %	9.14 %
Small/Mid-Cap Blend	MML VIP Invesco Small Cap Equity Fund (Initial Class)⁽²⁶⁾ *Adviser:* MML Investment Advisers, LLC *Sub-Adviser:* Invesco Advisers, Inc.	0.71 %	8.86 %	8.38 %	10.73 %
Small/Mid-Cap Growth	MML VIP Invesco Discovery Mid Cap Fund (Class II)⁽²⁷⁾ *Adviser:* MML Investment Advisers, LLC *Sub-Adviser:* Invesco Advisers, Inc.	0.85 % ^(*)	—	—	—
Small/Mid-Cap Growth	MML VIP T. Rowe Price Mid Cap Growth Fund (Initial Class)⁽²⁸⁾ *Adviser:* MML Investment Advisers, LLC *Sub-Adviser:* T. Rowe Price Associates, Inc.	0.82 %	4.35 %	3.82 %	9.94 %
Small/Mid-Cap Growth	MML VIP Wellington Small Cap Growth Equity Fund (Initial Class)⁽²⁹⁾ *Adviser:* MML Investment Advisers, LLC *Sub-Adviser:* Wellington Management Company LLP	1.05 % ^(*)	7.34 %	2.67 %	10.59 %
International/Global	Invesco V.I. International Growth Fund (Series I)⁽³⁰⁾ *Adviser:* Invesco Advisers, Inc. *Sub-Adviser:* N/A	1.00 % ^(*)	16.32 %	2.15 %	5.64 %
International/Global	MML Foreign Fund (Initial Class) *Adviser:* MML Investment Advisers, LLC *Sub-Adviser:* Thompson, Siegel and Walmsley LLC	0.92 %	32.60 %	9.01 %	6.72 %
International/Global	MML VIP Invesco Global Fund (Class II)⁽³¹⁾ *Adviser:* MML Investment Advisers, LLC *Sub-Adviser:* Invesco Advisers, Inc.	0.81 %	23.11 %	7.51 %	9.96 %
Specialty⁽³²⁾	Invesco V.I. Health Care Fund (Series I) *Adviser:* Invesco Advisers, Inc. *Sub-Adviser:* N/A	0.99 %	15.33 %	3.80 %	6.58 %
Specialty⁽³²⁾	Invesco V.I. Technology Fund (Series I) *Adviser:* Invesco Advisers, Inc. *Sub-Adviser:* N/A	0.96 %	20.47 %	10.30 %	15.78 %


Fund Type	Fund and Adviser/Sub-Adviser	Current Expenses (expenses/ average assets)	Average Annual Total Returns (as of 12/31/2025)
Fund Type	Fund and Adviser/Sub-Adviser	Current Expenses (expenses/ average assets)	1 Year	5 Year	10 Year
Specialty⁽³²⁾	PIMCO CommodityRealReturn^® Strategy Portfolio (Advisor Class) *Adviser:* Pacific Investment Management Company LLC *Sub-Adviser:* N/A	3.29 % ^(*)	18.66 %	10.44 %	6.42 %
Specialty⁽³²⁾	VY^® CBRE Global Real Estate Portfolio (Class S) *Adviser:* Voya Investments, LLC *Sub-Adviser:* CBRE Clarion Securities LLC	1.16 % ^(*)	6.53 %	3.77 %	3.73 %
Specialty⁽³²⁾	VY^® Columbia Real Estate Portfolio (Class S) *Adviser:* Voya Investments, LLC *Sub-Adviser:* Columbia Management Advisors LLC	1.00 % ^(*)	0.03 %	5.67 %	4.80 %

Fidelity, Contrafund and Fidelity Institutional AM are registered service marks of FMR LLC. Used with permission.

(*)	This Fund is subject to an expense reimbursement or fee waiver arrangement. As a result, this Fund’s annual expenses reflect temporary expense reductions. See the Fund prospectus for additional information.

(1)

These are fund-of-funds investment choices. They are known as fund-of-funds because they invest in other underlying funds. A fund offered in a fund-of-funds structure may have higher expenses than a direct investment in its underlying funds because a fund-of-funds bears its own expenses and indirectly bears its proportionate share of expenses of the underlying funds in which it invests.

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

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

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

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

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

(7)

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.

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

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

(10)	Effective May 1, 2009 and after, you may not allocate any new money to this Fund via Purchase Payments or transfers.

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

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

(13)	MML VIP Barings Short-Duration Bond Fund formerly known as MML Short-Duration Bond Fund.

(14)	MML VIP Fidelity Institutional AM^® Core Plus Bond Fund formerly known as MML Total Return Bond Fund.

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

(16)	MML VIP BlackRock^® Balanced Fund formerly known as MML Blend Fund.

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

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

(19)	MML VIP BlackRock^® Equity Index Fund formerly known as MML Equity Index Fund.

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

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

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

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

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

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

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

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

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

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

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

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

(32)

Specialty funds are an all-encompassing category that consists of funds that forgo broad diversification to concentrate on a certain segment of the economy or a specific targeted strategy. For example, sector funds are targeted strategy funds aimed at specific sectors of the economy, such as financial, technology, healthcare,

and so on. Sector funds can, therefore, be more volatile than a more diversified equity fund since the stocks in a given sector tend to be highly correlated with each other.

Fixed Account Investment Options Available Under the Contract

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


*Name*	*Minimum Guaranteed Interest Rate*
6 Month DCA Fixed Account	3%
12 Month DCA Fixed Account	3%
The Fixed Account	3%


Glossary	2
Updated Information About Your Contract	3
Important Information You Should Consider About the Contract	5


Appendix A – Investment Options Available Under the Contract	10