EXHIBIT
10(i)
CONSENT OF
INDEPENDENT AUDITORS’
To the Board of
Directors of
Massachusetts Mutual
Life Insurance Company
We consent to the
inclusion in this Post-Effective Amendment No. 1 to Registration Statement
No. 333-81015 on Form N-4 of our report dated February 14, 2000 on our audit
of the Panorama Passage Segment of Massachusetts Mutual Variable Annuity
Separate Account 4 as of December 31, 1999 and for the year then ended, and
of our report dated February 1, 2000, on our audit of the statutory
financial statements of Massachusetts Mutual Life Insurance Company as of
December 31, 1999 and for the year then ended, which includes explanatory
paragraphs relating to the use of statutory accounting practices, which
differ from generally accepted accounting principles. We also consent to the
reference to our Firm under the caption “Experts” appearing in the
Statement of Additional Information.
Deloitte & Touche
LLP
Hartford,
Connecticut
April 24,
2000
