Exhibit 9
Opinion of and Consent of Counsel
July, 2000
Massachusetts Mutual Life Insurance Company
140 Garden Street
Hartford, CT 06154
Re: Pre-Effective Amendment No. 1 to Registration Statement No. 333-95851 filed on Form N-4
Ladies and Gentlemen:
This opinion is furnished in connection with the filing of Pre-Effective Amendment No. 1 to Registration Statement
No. 333-95851 filed on Form N-4 under the Securities Act of 1933 for Massachusetts Mutual Life Insurance Companys (MassMutual) individual certificate issued under a group deferred variable annuity contract with flexible purchase payments
(the Certificate). Massachusetts Mutual Variable Annuity Separate Account 4 issues the Certificate.
As an attorney for MassMutual, I provide legal advice to MassMutual in connection with the operation of its
variable products. In such role I am familiar with Pre-Effective Amendment No. 1 to Registration Statement No. 333-95851 for the Certificate. In so acting, I have made such examination of the law and examined such records and documents as in my judgment
are necessary or appropriate to enable me to render the opinion expressed below. I am of the following opinion:
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1. MassMutual is a valid and subsisting corporation, organized and
operated under the laws of the state of Massachusetts and is subject to regulation by the Massachusetts Commissioner of Insurance.
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2. Massachusetts Mutual Variable Annuity Separate Account 4 is a
separate account validly established and maintained by MassMutual in accordance with Massachusetts law.
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3. All of the prescribed corporate procedures for the issuance of the
Certificate have been followed, and all applicable state laws have been complied with.
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I hereby consent to the use of this opinion as an exhibit to this Registration Statement.