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March 1, 1996
Dear LifeTrust Contract Owner:
The information below supplements Massachusetts Mutual Life Insurance Company's
Fixed Account with Market Value Adjustment Prospectus dated May 15, 1995.
Please place this supplement with your prospectus and retain it for future
reference.
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FIXED ACCOUNT WITH MARKET VALUE ADJUSTMENT
SUPPLEMENT DATED MARCH 1, 1996
TO THE PROSPECTUS DATED MAY 15, 1995
The following should be read in conjunction with the information under the
heading "MASSMUTUAL - DESCRIPTION OF THE BUSINESS" on pages 24 and 25 of the
Fixed Account with Market Value Adjustment Prospectus:
The merger of Connecticut Mutual Life Insurance Company ("Connecticut Mutual")
with and into Massachusetts Mutual Life Insurance Company ("MassMutual") was
completed on February 29, 1996. The separate existence of Connecticut Mutual
has ceased. MassMutual continues its corporate existence under its current
name. The merger does not affect any provisions of, or rights or obligations
under, policies or contracts previously issued by MassMutual. As a result of
the merger, MassMutual becomes the nation's fifth largest mutual life insurance
company with estimated statutory assets in excess of $50 billion, and estimated
total assets under management in excess of $100 billion.
March 1, 1996
