Massachusetts Mutual Variable Annuity Separate Account 4 has issued a new Rate Sheet Prospectus Supplement that updates the terms of its Income Guarantee Features. This update, filed on November 3, 2026, is essential for policyholders as it outlines changes that could affect their contracts. The alterations to the Income Guarantee Features are particularly relevant in the context of the variable annuity market.

Background

Massachusetts Mutual Variable Annuity Separate Account 4 is an investment entity incorporated in Massachusetts. It operates under the Central Index Key (CIK) number 0001052766. The company is known for offering various annuity products, including the MassMutual Envision variable annuity. Recent filings indicate ongoing updates to their offerings, with multiple submissions on November 3, 2026, including forms 497 and 497VPI.

What the Filing Says

The filing states, "This Rate Sheet should be read carefully and retained with your Prospectus." It specifically updates the Income Guarantee Feature Terms applicable to the MassMutual Envision annuity. The changes are effective for applications submitted on or after November 23, 2026. The filing emphasizes the importance of reviewing the new terms to understand how they may impact policyholders' benefits.

Impact

This update may affect current and prospective policyholders of the MassMutual Envision variable annuity. The changes to the Income Guarantee Features could influence how clients perceive the value of their contracts. Additionally, this move may prompt competitors in the variable annuity sector to reassess their own offerings in response to these changes.

What's Next

The filing does not specify what happens next, but it indicates that if any changes are made to the Income Guarantee Feature Terms in the future, a new Rate Sheet will be issued. Policyholders are advised to stay informed about any updates that may arise.