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  <headerData>
    <submissionType>13F-HR</submissionType>
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      <liveTestFlag>LIVE</liveTestFlag>
      <flags>
        <confirmingCopyFlag>false</confirmingCopyFlag>
        <returnCopyFlag>false</returnCopyFlag>
        <overrideInternetFlag>false</overrideInternetFlag>
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      <filer>
        <credentials>
          <cik>0000225602</cik>
          <ccc>XXXXXXXX</ccc>
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      <periodOfReport>06-30-2025</periodOfReport>
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    <coverPage>
      <reportCalendarOrQuarter>06-30-2025</reportCalendarOrQuarter>
      <filingManager>
        <name>MASSACHUSETTS MUTUAL LIFE INSURANCE CO</name>
        <address>
          <com:street1>1295 STATE STREET</com:street1>
          <com:city>SPRINGFIELD</com:city>
          <com:stateOrCountry>MA</com:stateOrCountry>
          <com:zipCode>01111</com:zipCode>
        </address>
      </filingManager>
      <reportType>13F COMBINATION REPORT</reportType>
      <form13FFileNumber>028-00548</form13FFileNumber>
      <otherManagersInfo>
        <otherManager>
          <cik>0001606779</cik>
          <form13FFileNumber>028-16289</form13FFileNumber>
          <crdNumber>000299118</crdNumber>
          <secFileNumber>802-114253</secFileNumber>
          <name>BARING ASSET MANAGEMENT Ltd</name>
        </otherManager>
        <otherManager>
          <cik>0001624302</cik>
          <form13FFileNumber>028-16290</form13FFileNumber>
          <crdNumber>000108513</crdNumber>
          <secFileNumber>801-56176</secFileNumber>
          <name>BARING ASSET MANAGEMENT (ASIA) Ltd</name>
        </otherManager>
        <otherManager>
          <cik>0000009015</cik>
          <form13FFileNumber>028-00060</form13FFileNumber>
          <crdNumber>000106006</crdNumber>
          <secFileNumber>801-241</secFileNumber>
          <name>BARINGS LLC</name>
        </otherManager>
        <otherManager>
          <cik>0001568131</cik>
          <form13FFileNumber>028-15112</form13FFileNumber>
          <crdNumber>000105724</crdNumber>
          <secFileNumber>801-15160</secFileNumber>
          <name>Baring International Investment Ltd</name>
        </otherManager>
        <otherManager>
          <cik>0001803230</cik>
          <form13FFileNumber>028-20060</form13FFileNumber>
          <name>Baring SICE (Taiwan) LTD</name>
        </otherManager>
        <otherManager>
          <cik>0001103653</cik>
          <form13FFileNumber>028-15866</form13FFileNumber>
          <name>MassMutual Private Wealth &amp; Trust, FSB</name>
        </otherManager>
        <otherManager>
          <cik>0000701059</cik>
          <form13FFileNumber>028-16947</form13FFileNumber>
          <crdNumber>000010409</crdNumber>
          <secFileNumber>801-44264</secFileNumber>
          <name>MML INVESTORS SERVICES, LLC</name>
        </otherManager>
        <otherManager>
          <cik>0001606780</cik>
          <form13FFileNumber>028-19111</form13FFileNumber>
          <name>Baring Asset Management Korea Ltd</name>
        </otherManager>
      </otherManagersInfo>
      <provideInfoForInstruction5>Y</provideInfoForInstruction5>
      <additionalInformation>Barings LLC, Baring Asset Management Limited, Baring Asset Management (Asia) Limited, Barings Asset Management Korea Ltd, Baring International Investment Limited, Baring SICE (Taiwan) Limited, MML Investors Services, LLC, and MassMutual Private Wealth &amp; Trust Company are all indirect, majority -owned or wholly -owned subsidiaries of Massachusetts Mutual Life Insurance Company(MassMutual). The entities listed have indicated that they exercise investment discretion with respect to the securities positions reported at each firm's Form 13F Filing. Nevertheless, such positions are deemed reported on behalf of MassMutual to the extent that MassMutual is deemed to share investment discretion over the positions as a result of its ownership interests in Barings LLC, Baring Asset Management Limited, Baring Asset Management (Asia) Limited, Barings Asset Management Korea Ltd, Baring International Investment Limited, Baring SICE (Taiwan) Limited, MML Investors Services, LLC, and MassMutual Private Wealth &amp; Trust Company and for the limited and exclusive purpose of MassMutual's compliance with Section 13(f) and the securities Exchange Act of 1934, as amended.</additionalInformation>
    </coverPage>
    <signatureBlock>
      <name>Philip S. Wellman</name>
      <title>Head of Mutual Fund &amp; Institutional Advisory Compliance</title>
      <phone>4132148349</phone>
      <signature>Philip S. Wellman</signature>
      <city>Springfield</city>
      <stateOrCountry>MA</stateOrCountry>
      <signatureDate>08-15-2025</signatureDate>
    </signatureBlock>
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      <isConfidentialOmitted>false</isConfidentialOmitted>
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