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[Letterhead of Massachusetts Mutual]
March 6, 1996
VIA EDGARLINK
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Securities and Exchange Commission
450 Fifth Street, N.W.
Washington, D.C.
Re: Massachusetts Mutual Life Insurance Company
CML Accumulation Annuity Account E
File No. 33-301357
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Dear Commissioners:
On behalf of Massachusetts Mutual Life Insurance Company (the
"Company") and CML Accumulation Annuity Account E (the "Account"), we are filing
a certification pursuant to paragraph (j) of Rule 497 under the Securities Act
of 1933. In this regard, we certify that the form of prospectus and Statement
of Additional Information ("SAI") for certain deferred variable annuity
contracts offered by the Company through the 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 the Form N-4 registration statement for the
Account (the "Registration Statement"). The Registration Statement was filed
electronically with the Securities and Exchange Commission on March 1, 1996 via
EDGARLINK.
Sincerely,
/s/ Michael A. Chong
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Michael A. Chong, Esq.
