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October 1, 1999
Securities and Exchange Commission
450 Fifth Street, N.W.
Washington, D.C. 20549
Re: Massachusetts Mutual Life Insurance Company
Massachusetts Mutual Variable Annuity Separate Account 4
(Panorama Passage Segment)
File No. 333-81015
Dear Commissioners:
On behalf of Massachusetts Mutual Life Insurance Company (the "Company") and
Massachusetts Mutual Variable Annuity Separate Account 4 - Panorama Passage
Segment (the "Separate Account"), I am filing a certification pursuant to
paragraph (j) of Rule 497 under the Securities Act of 1933. In this regard, I
certify that the form of prospectus and Statement of Additional Information
("SAI") for certain individual certificates issued under a deferred group
variable annuity contract offered by the Company through the Separate Account
otherwise required to be filed under paragraph (c) of Rule 497 would not have
differed from the form of prospectus and SAI contained in pre-effective
amendment number 1 to the Form N-4 registration statement for the Separate
Account that was filed electronically with the Securities and Exchange
Commission on or about September 20, 1999.
Sincerely,
/s/ James M. Rodolakis
James M. Rodolakis
Counsel
