Summary Prospectus for New Investors by Investment Company - Form 497VPI

Strategic Group Variable Universal Life^® II

Issued by Massachusetts Mutual Life Insurance Company

Massachusetts Mutual Variable Life Separate Account I

Summary Prospectus for New Investors - April 29, 2024

This Summary Prospectus summarizes key features of the Strategic Group Variable Universal Life^® II certificate, a group, flexible premium, variable adjustable life insurance certificate issued to individuals under a group life insurance policy (certificate), issued by Massachusetts Mutual Life Insurance Company. In this Summary Prospectus, the "Company," "we," "us," and "our" refer to Massachusetts Mutual Life Insurance Company (MassMutual^®). You should read this Summary Prospectus carefully, particularly the section titled "Important Information You Should Consider About the Certificate."

The prospectus for the Strategic Group Variable Universal Life II certificate contains more information about the certificate, including its features, benefits, and risks. You can find the current statutory prospectus and other information about the certificate online at www.MassMutual.com/SGVULII. You can also obtain this information at no cost by calling (800) 548-0073 or by sending an email request to [email protected].

YOU MAY CANCEL YOUR CERTIFICATE WITHIN 10 DAYS OF RECEIVING IT WITHOUT PAYING FEES OR PENALTIES.

In some states, this cancellation period may be longer. Upon cancellation, we will issue you a refund, equal to any premium paid for this certificate plus interest credited to this certificate under the GPA to the date this certificate is received by us. You should review this prospectus, or consult with your investment professional, for additional information about the specific cancellation terms that apply.

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

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

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Glossary

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

Administrative Office. Massachusetts Mutual Life Insurance Company, LCM Document Management Hub, 1295 State Street, Springfield, MA 01111-0001, (800) 548-0073, (Fax) (413) 226-4054, [email protected], www.MassMutual.com

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

Base Selected Face Amount. An amount used to determine the total insurance coverage provided by the base certificate while it is In Force. The Base Selected Face Amount coverage is paid for by the employer or the Group Policy owner.

Beneficiary. The person named in the application to receive any death benefit.

Case. A group of certificates issued to individuals with a common employment or other non-insurance motivated relationship.

Certificate Anniversary. The anniversary of the Certificate  Date.

Certificate Date. The date used as the starting point for determining Certificate Anniversary dates, Certificate Years and Monthly Calculation Dates.

Certificate Debt. All outstanding loans plus accrued interest.

Certificate Owner. The person who will generally make the choices that determine how the certificate operates while it is In Force.

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

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

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

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

Grace Period. A period that begins when the Surrender Value is not sufficient to cover monthly charges due and your certificate stays In Force, during which you can pay the amount of premium needed to avoid termination.

In Force. Your certificate  has not terminated.

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Insurance Risk. The difference between the death benefit and the Account Value.

Insured. The person on whose life the certificate is issued.

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

Minimum Death Benefit. The minimum amount of death benefit needed for the certificate to qualify as life insurance under Section 7702 of the Internal Revenue Code of 1986, as amended.

Minimum Initial Premium. The amount required to be paid to issue the certificate.

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

Monthly Calculation Date. The Certificate  Date and the same day of each succeeding calendar month on which monthly charges are due on the certificate.

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

Planned Premium. The amount selected by you to be paid periodically on the certificate, which establishes the basis for the premium bills we send you.

Portable Certificate. Certificates where the Insured is no longer employed by or associated with the sponsoring employer or group.

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

Surrender Value. Account Value less Certificate Debt.

Supplemental Selected Face Amount. An amount used to determine the total insurance coverage provided by the base certificate while it is In Force. The Supplemental Selected Face Amount coverage is paid for by the Certificate Owner.

Total Selected Face Amount. A combination of the Base Selected Face Amount and any Supplemental Selected Face Amount and is used to determine the amount of insurance coverage the certificate provides while it is In Force.

Valuation Date. Any day on which the net asset value of the units of each Separate Account Division is determined. Generally, this is any date the New York Stock Exchange (NYSE), or its successor, is open for trading. A Valuation Date ends when the NYSE closes (usually 4 p.m. Eastern Time).

Written Request. A written or electronic communication or instruction in Good Order sent by you to us at our Administrative Office.

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Important Information You Should Consider About the  Certificate

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Overview of the Certificate

What is the certificate, and what is it designed to do?

The MassMutual Strategic Group Variable Universal Life® II certificate is a variable life insurance policy that provides a death benefit. Certificates are available only to individuals who are members of a group, where the group sponsor such as an employer, sponsoring organization or trust is the owner of a group policy (Group Policy) issued by MassMutual. We refer to a group of certificates issued to individuals with a common employment or other non-insurance motivated relationship as a case (Case). We aggregate each individual in a Case for purposes of determining Issue Dates, Certificate Dates, and underwriting classification.

The Group Policy specifies the rights and privileges of the employer or Group Policy owner. The certificate is evidence of coverage under the Group Policy, and you may exercise all rights and privileges under the certificate through the employer or Group Policy owner. After termination of the employment or other relationship or if the employer is no longer sponsoring the program, you may exercise all rights and privileges directly with us.

In this prospectus, we refer to the following coverage types:

The certificate is designed to allow you to fund your life insurance needs through investment in a Guaranteed Principal Account (GPA) and one or more of the variable investment divisions of the Massachusetts Mutual Variable Life Separate Account I (Separate Account). The certificate allows you to allocate your Net Premiums and Account Value among the various investment choices. Your Account Value will vary based on performance of the investment choices you select and the fees and charges under the certificate. In exchange for your premium payments, upon the death of the Insured, we will pay the Beneficiary a death benefit when the Insured dies while the certificate is In Force. You can select one of the two death benefit options available under the certificate. Subject to certain limitations, you can change the death benefit option you selected.

Variable life insurance is designed to help meet long-term insurance needs. It is not suitable as a vehicle for short-term savings. You should not purchase the certificate if you will need the premium payments in a short period of time. The certificate is not intended for people who need to take early or frequent withdrawals or who intend to engage in frequent trading among the Separate Account Divisions. You should consider your need for cash, time horizon for investment and financial goals before submitting an application to purchase the certificate. You may want to consult your financial or tax adviser.

How are premium payments treated under the certificate?

The frequency of premium payments is selected by your employer and can be one month, one calendar quarter, a six month period, or one year. You and your employer decide the amount of premiums you intend to pay (i.e., the ''Planned Premium''). The Planned Premium frequency selected by the employer forms the basis for the billing cycle for your certificate. If you become disassociated from your employer or if your employer no longer sponsors the program, you may elect to continue the certificate on your own. In certain states, you also have the right to convert the certificate to a term life insurance policy. Please see ''Appendix F - State Variations of Certain Certificate Features" in the prospectus.

There is no penalty if the employer does not pay the Planned Premium; however, if the employer does not pay the Planned Premium by the premium notice due date, we will deduct that amount from your Account Value. Payment of the Planned Premium does not guarantee coverage for any period of time. Even if the employer pays Planned Premiums, the certificate terminates if the Account Value less any Certificate Debt becomes insufficient to pay monthly charges and the Grace Period expires without sufficient payment.

While your certificate is In Force, you may pay premiums at any time before the death of the Insured subject to certain restrictions. Except for the Minimum Initial Premium, so long as you have sufficient Account Value to keep the certificate In Force, there are no required premium payments under the certificate.

When a premium payment is received in Good Order, we deduct a premium load charge to generally cover taxes and acquisition expenses, and the remaining amount, known as the Net Premium, is allocated among the Separate Account Divisions and the GPA according to your current allocation instructions. You may allocate Net Premiums to a maximum of 25 Separate Account Divisions and

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the GPA at any time. However, we reserve the right to limit the number of Separate Account Divisions to which you can allocate your premiums if the limitation is necessary to protect your certificate status as life insurance under federal tax law.

Investments in your certificate's Separate Account Divisions are held in an account separate from the general assets of the Company. We have established a segment within the Separate Account to receive and invest premium payments for the Strategic Group Variable Universal Life II certificates. Currently, the Strategic Group Variable Universal Life II segment is divided into over 40 Separate Account Divisions. Each Separate Account Division purchases shares in a corresponding Fund. Information about each corresponding Fund is provided at the back of this prospectus. Please see ''Appendix A - Funds Available Under the Certificate.''

Net Premium and Account Value allocated to the GPA become part of the Company's General Investment Account, which supports life insurance and annuity obligations, and are dependent on the Company's financial strength and claims-paying ability. You do not participate in the investment performance of the assets in our General Investment Account. Instead, we guarantee that amounts allocated to the GPA, in excess of Certificate Debt, will earn interest at a minimum rate of 1% per year. We may credit a higher rate at our discretion.

Federal law, such as the Internal Revenue Code of 1986, as amended (IRC), places restrictions on the amount of money you may put into a life insurance contract and still meet the definition of life insurance for tax purposes. In order for the certificate to meet the IRC guidelines, the certificate must qualify as a ''life insurance contract'' under either the Cash Value Accumulation Test or Guideline Premium Test - as chosen by the Group Policy owner. To maintain its status as a ''life insurance contract'' we will monitor the certificate for compliance with the limits established by the IRC. In any Certificate Year, we reserve the right to take any action we deem necessary to maintain the status of the certificate, including the right to refuse or refund premium or distribute a portion of your Account Value.

What are the primary features and options that the certificate offers?

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Death Benefit

How is the death benefit calculated? How is the death benefit paid? Can I change the death benefit and how much is payable under the death benefit?

We offer two death benefit options. Initially the death benefit option is elected by the employer.

The Minimum Death Benefit is determined by one of two compliance tests. You choose the test when you apply for the certificate. You cannot change your choice of test after the certificate is issued.

Under the Cash Value Accumulation Test, the Minimum Death Benefit on any date is equal to the Account Value on that date multiplied by the death benefit factor for the Insured's Attained Age on that date. The death benefit factor depends on the Insured's: (1) gender; (2) Attained Age; and (3) tobacco use risk classification. Under the Guideline Premium Test, the Minimum Death Benefit on any date is equal to the Account Value on that date multiplied by the death benefit factor, but the death benefit factor varies only by the Attained Age of the Insured. The death benefit factors are shown in your certificate.

The death benefit we pay will be reduced by any outstanding Certificate Debt and any unpaid monthly charges. We calculate the death benefit as of the date of the Insured's death.

We will normally pay the death benefit within seven calendar days after the date we receive due proof of the Insured's death and all required documents, in Good Order, at our Administrative Office. We will pay the death benefit in a lump sum.

You may change your Death Benefit Option at any time while the Insured is living by Written Request and subject to our requirement that evidence of insurability must be provided for a change from Death Benefit Option A to Death Benefit Option B. However, no change will be permitted after the Certificate Anniversary nearest the Insured's 100^th birthday.

You may increase or decrease the Total Selected Face Amount of the certificate. If you change your Total Selected Face Amount, your certificate charges, including surrender charges, will change. If the certificate's Account Value less surrender charges (or Surrender Value if there is Certificate Debt) cannot keep the certificate In Force with the requested change in Total Selected Face Amount, you may be required to pay an additional premium.

To increase the certificate's Total Selected Face Amount, you must send to our Administrative Office a written application and evidence the Insured is still insurable. The increase in Total Selected Face Amount must be at least $25,000 and cannot be made after the Insured's 80^th birthday. You may not decrease the Base Selected Face Amount to less than the minimum face amount ($50,000).

Other Benefits Available Under the  Certificate

Are there other benefits I can select that will affect how much money my designated Beneficiaries or I will receive under the certificate, or otherwise will affect my rights under the certificate? What are the features, costs, and any limitations associated with these other benefits?

In addition to the standard death benefit(s) associated with your certificate, other standard and/or optional benefits may be available to you.

You can obtain additional benefits if you request them and/or qualify for them. We provide certain additional benefits by rider or endorsement. The cost of each rider is generally deducted as part of the monthly charges. Some riders do not result in monthly charges, but do require a fee to exercise the riders.

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We also offer two automated transfer programs as additional benefits - Automated Account Value Transfer and Automated Account Re-balancing. Please note that you cannot select both the Automated Account Value Transfer and Automated Account Re-balancing at the same time.

The following table summarizes the information about the additional benefits available under the certificate. Information about the fees associated with each benefit included in the table may be found in the Fee Table.

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Purchasing a Certificate

How do I purchase the SGVUL II Certificate?

To purchase the certificate, you must send us a completed application.

You select, within our limits, the certificate's "Total Selected Face Amount." The Total Selected Face Amount is a combination of the Base Selected Face Amount and any Supplemental Selected Face Amount and is used to determine the amount of insurance coverage the certificate provides while it is In Force. The minimum Base Selected Face Amount of a certificate is currently $50,000. The available Supplemental Selected Face Amount choices are based on a non-discriminatory plan design that is agreed to by us and the Group Policy owner and are typically based on either a multiple of each employee's compensation or flat coverage amounts based upon the employee's job classification.

We determine whether to accept or reject the application for the certificate. Coverage under the certificate becomes effective on the date the last of all premiums due and necessary documents are received in Good Order at our Administrative Office.

How do I determine and make my first premium payment?

You or the Group Policy owner must pay the Minimum Initial Premium and submit the application and all other required forms in Good Order to our Administrative Office before we will issue your certificate. The Minimum Initial Premium is $500.

The Minimum Initial Premium can be paid in one lump sum or throughout the first Certificate Year via payroll deduction or by Pre-Authorized Check (PAC) Premium Payment Service

How do I make premium payments after I have made the initial premium payment?

The frequency of premium payments is selected by your employer and can be one month, one calendar quarter, a six month period, or one year. You and your employer decide the amount of premiums you intend to pay.

The Planned Premium frequency selected by the employer forms the basis for the billing cycle for your certificate. If the employer selects a monthly frequency, then we will send your employer a monthly Planned Premium invoice for your certificate. If the employer selects a yearly frequency, then we will send your employer an annual Planned Premium invoice. The employer may change the Planned Premium frequency at any time by Written Request to us.

If you become disassociated from your employer or if your employer no longer sponsors the program, you may elect to continue the certificate on your own. If you choose to continue the certificate, you will become vested in all certificate rights previously held by

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your employer, including the right to change the frequency of Planned Premium payments to any mode but monthly, unless you select the PAC Premium Payment Service (described below).

There is no penalty if the employer does not pay the Planned Premium; however, if the employer does not pay the Planned Premium by the premium notice due date, we will deduct that amount from your Account Value. Payment of the Planned Premium does not guarantee coverage for any period of time. Even if the employer pays Planned Premiums, the certificate terminates if the Account Value less any Certificate Debt becomes insufficient to pay monthly charges and the Grace Period expires without sufficient payment. Please see "Certificate Termination and Reinstatement" in the "Certificate Value" section.

How Your Certificate Can Lapse

Can my certificate lapse?

Yes. Your certificate could terminate if the Account Value less Certificate Debt becomes too low to support the certificate's monthly charges. Factors that may cause your certificate to terminate include: insufficient premium payments, poor investment performance, withdrawals, and unpaid loans or loan interest. The certificate will not terminate simply because you do not make premium payments. In addition, making premium payments will not guarantee that the certificate will remain In Force (for example, if the investment experience of the Funds has been unfavorable, your Surrender Value may decrease even if you make periodic premium payments). If the certificate does terminate, you may be permitted to reinstate it.

What happens to my certificate if it lapses?

While we do not assess a surrender charge for your certificate if it lapses, certificate termination could have adverse tax consequences for you. If the certificate is reinstated, any adverse tax consequences that resulted from the certificate termination cannot be reversed. To avoid certificate termination and potential tax consequences in these situations, you may need to make substantial premium payments or loan repayments to keep your certificate In Force. For more information on the effect of certificate termination, please see the "Federal Income Tax Considerations" section.

Does the certificate offer any protections against my certificate lapsing?

Before your certificate terminates, we allow a Grace Period during which you can pay the amount of premium needed to avoid certificate termination. We will mail to you and any assignee a notice informing you and any assignee of the start of the Grace Period and the amount of premium needed to avoid termination of the certificate.

The Grace Period begins on the date the monthly charges are due. It ends on the later of:

During the Grace Period, the certificate will stay In Force. If the Insured dies during this period and the amount of premium needed to avoid Certificate Termination has not been paid, we will pay the death benefit proceeds, reduced by the amount of premium needed to avoid Certificate Termination and any Certificate Debt.

If we do not receive the required payment by the end of the Grace Period, the certificate will terminate without value at the end of the Grace Period. We will return a premium payment if it is less than the minimum amount needed to avoid termination.

During the Grace Period, certain financial transactions cannot be processed (transfers, withdrawals, loans). You must pay the premium due before subsequent financial transactions can be processed.

The Company's mailing of a certificate termination or a lapse notice to you constitutes sufficient notice of cancellation of coverage.

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Can my certificate be reinstated after a lapse? If your certificate terminates, you may be able to reinstate it; however, you may not reinstate your certificate if the certificate was surrendered or it has been three years or more since termination.

To reinstate your certificate, we will need:

If you reinstate your certificate, the Total Selected Face Amount will be the same as it was when the certificate terminated. Your Account Value will be the premium paid to reinstate your certificate, less the premium load charge, less applicable monthly charges due.

Surrendering Your Certificate or Making Withdrawals: Accessing the Money in Your Certificate

Can I cancel my certificate?

Yes, you can cancel your certificate, known as a surrender, at any time while the certificate is In Force. To surrender your certificate, you must submit a completed surrender form and any other forms we may require. Upon surrender, we will pay you the certificate's Surrender Value. The Surrender Value is equal to the Account Value of the certificate less any Certificate Debt.

The surrender will be effective on the Valuation Date we receive all required, fully completed forms in Good Order at our Administrative Office, unless you select a later effective date. If the surrender involves an exchange or transfer of assets to a certificate issued by another financial institution or insurance company (not MassMutual or any of its subsidiaries), we also will require a completed absolute assignment form and any state mandated replacement paperwork. If we receive your request in Good Order on a non-Valuation Date or after the end of a Valuation Date, your surrender request will be effective on the next Valuation Date.

We will pay any surrender amounts generally within seven calendar days of the surrender effective date, unless we are required to suspend or postpone surrender payments.

The certificate terminates as of the effective date of the surrender and cannot be reinstated unless required by law. Surrendering the certificate may result in adverse tax consequences.

Can I make a withdrawal from my certificate?

Yes, after the first Certificate Year, you may withdraw up to an amount equal to (1) the Account Value less (2) Certificate Debt less (3) an amount equal to (i) the most recent monthly charge multiplied by (ii) one plus the number of Monthly Calculation Dates remaining until the next Planned Premium due date. This amount is referred to as the maximum withdrawal amount. The minimum amount you may withdraw is $500. You can make a withdrawal by sending us a Written Request in Good Order on our partial withdrawal request form, stating the dollar amount and corresponding Separate Account Divisions from which you want the withdrawal made. If you withdraw from the GPA, the withdrawal cannot exceed the non-loaned Account Value in the GPA. We deduct a withdrawal charge of up to 2.0% of the amount you withdraw, but not more than $25.00.

A withdrawal will reduce your certificate's Account Value by the amount withdrawn. If the certificate's Surrender Value is reduced to a point where it cannot meet a monthly deduction, your certificate may terminate.

A withdrawal may also: (1) reduce your certificate's Supplemental Selected Face Amount and the Base Selected Face Amount; and (2) have adverse tax consequences.

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If necessary, we will reduce your certificate's Supplemental Selected Face Amount and the Base Selected Face Amount upon withdrawal to prevent an increase in the net amount at risk, unless you provide us with satisfactory evidence of insurability. If you do not specify, any decrease will be applied first to the Supplemental Selected Face Amount and then, if necessary, to the Base Selected Face Amount.

Withdrawal requests will be effective on the Valuation Date we receive the Written Request at our Administrative Office. Withdrawal requests determined to be in Good Order on a non-Valuation Date or after the end of a Valuation Date will be effective as of the next Valuation Date.

We will pay withdrawal amounts generally within seven calendar days of the withdrawal effective date, unless we are required to suspend or postpone withdrawal payments.

Additional Information about Fees

The following tables describe the fees and expenses that you will pay when buying, owning, surrendering, or making withdrawals from the certificate. Please refer to your certificate's specifications page for information about the specific fees you will pay each year based on the options you have elected.

The first table describes the fees and expenses that you will pay at the time you buy the certificate, surrender or make withdrawals from the certificate, transfer cash value between investment options, or exercise certain rider options.

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The next table describes the fees and expenses that you will pay periodically during the time that you own the certificate, not including Fund fees and expenses.

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All of the monthly charges listed in the table above are deducted proportionately from the then current Account Values in the Separate Account and the GPA (unless you direct us to deduct monthly charges from one Separate Account Division or from the GPA). The mortality and expense risk charge is deducted from the assets of the Separate Account only.

The next table shows the minimum and maximum total operating expenses charged by any of the Funds in which your Separate Account Divisions invest that you may pay periodically during the time that you own the certificate. A complete list of Funds in which the Separate Account Divisions invest, including their annual expenses, may be found at the back of this document in Appendix A. More detail concerning each Fund's fees and expenses is contained in the prospectus for each Fund.

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Appendix A

Funds Available Under the Certificate

The following is a list of Funds currently available under the certificate. This list of Funds is subject to change, as discussed in the prospectus for the certificate. Before you invest, you should review the prospectuses for the Funds. These prospectuses contain more information about the Funds and their risks and may be amended from time to time. You can find the prospectuses and other information about the Funds online at www.MassMutual.com/SGVULII. You can also request this information at no cost by calling (800) 548-0073 or sending an email request to [email protected].

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 certificate may charge. Expenses would be higher and performance would be lower if these charges were included. Each Fund's past performance is not necessarily an indication of future performance.

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This Summary Prospectus incorporates by reference the MassMutual Strategic Group Variable Universal Life II certificate's statutory prospectus and Statement of Additional Information (SAI), both dated April 29, 2024, as amended or supplemented. The SAI includes additional information about Massachusetts Mutual Variable Life Separate Account I.

You can find the statutory prospectus and SAI at www.MassMutual.com/SGVULII. You can also obtain this information at no cost by calling (800) 548-0073 or by sending an email request to [email protected].

EDGAR Contract Identifier: C000161953