[Letterhead of Massachusetts Mutual]
May 3, 1996
Securities and Exchange Commission
450 Fifth Street, N.W.
Washington, D.C.
Re: Massachusetts Mutual Life Insurance Company
Massachusetts Mutual Variable Annuity Separate Account 1 -
Flex Annuity
File No. 2-75412
Massachusetts Mutual Variable Annuity Separate Account 2 -
Flex Annuity
File No. 2-75413
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Dear Commissioners:
On behalf of Massachusetts Mutual Life Insurance Company (the "Company")
and Massachusetts Mutual Variable Annuity Separate Account 1 - Flex Annuity and
Massachusetts Mutual Variable Annuity Separate Account 2 - Flex Annuity (the
"Accounts"), 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 Accounts
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 15 to the Form N-4 registration statement for the Accounts
that was filed electronically with the Securities and Exchange Commission on
April 29, 1996 via EDGARLINK.
Sincerely,
/s/ James M. Rodolakis
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James M. Rodolakis, Attorney
