We consider invisible neutrino decay ν H → ν l + φ in the ultra-relativistic limit and compute the neutrino anisotropy loss rate relevant for the cosmic microwave background (CMB) anisotropies. Improving on our previous work which assumed massless ν l and φ, we reinstate in this work the daughter neutrino mass m νl in a manner consistent with the experimentally determined neutrino mass splittings. We find that a nonzero m νl introduces a new phase space factor in the loss rate Γ T proportional to (∆m 2 ν /m 2 ν H ) 2 in the limit of a small squared mass gap between the parent and daughter neutrinos, i.e., Γ T ∼ (∆m 2 ν /m 2 νH ) 2 (m νH /E ν ) 5 (1/τ 0 ), where τ 0 is the ν H rest-frame lifetime. Using a general form of this result, we update the limit on τ 0 using the Planck 2018 CMB data. We find that for a parent neutrino of mass m νH 0.1 eV, the new phase space factor weakens the constraint on its lifetime by up to a factor of 50 if ∆m 2 ν corresponds to the atmospheric mass gap and up to 10 5 if the solar mass gap, in comparison with naïve estimates that assume m νl = 0. The revised constraints are (i) τ 0 (6 → 10) × 10 5 s and τ 0 (400 → 500) s if only one neutrino decays to a daughter neutrino separated by, respectively, the atmospheric and the solar mass gap, and (ii) τ 0 (1 → 3) × 10 7 s in the case of two decay channels with one near-common atmospheric mass gap. In contrast to previous, naïve limits which scale as m 5 νH , these mass spectrum-consistent τ 0 constraints are remarkably independent of the parent mass and open up a swath of parameter space within the projected reach of IceCube and other neutrino telescopes in the next two decades.