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May 3, 2000
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 Premier
Segment)
File No. 333-45039
Dear Commissioners:
On behalf of Massachusetts Mutual Life Insurance Company (the "Company") and
Massachusetts Mutual Variable Annuity Separate Account 4 - Panorama Premier
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 deferred variable annuity contracts 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 post-effective amendment number 2 to the Form N-4 registration
statement for the Separate Account that was filed electronically with the
Securities and Exchange Commission on or about April 25, 2000.
Sincerely,
/s/ James M. Rodolakis
James M. Rodolakis
Counsel
