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February 1, 1999
The information below supplements Massachusetts Mutual Life Insurance Company's
Panorama Premier variable annuity prospectus dated July 1, 1998. Please place
this supplement with your prospectus and retain it for future reference.
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PANORAMA PREMIER
Supplement dated February 1, 1999
To the Prospectus dated July 1, 1998
The Panorama Premier variable annuity prospectus is amended as follows:
Insert the following paragraph as the second paragraph under the section
entitled "Distribution" on page 26 of the prospectus:
From time to time, MML Distributors may enter into special arrangements
with certain broker-dealers. These special arrangements may provide for the
payment of higher compensation to such broker-dealers for selling the
Certificates.
February 1, 1999
