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January 1, 1999
The information below supplements Massachusetts Mutual Life Insurance Company's
Flex Extra variable annuity prospectus dated May 1, 1998. Please place this
supplement with your prospectus and retain it for future reference.
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FLEX EXTRA
Supplement dated January 1, 1999
To the Prospectus dated May 1, 1998
The Flex Extra variable annuity prospectus is amended as follows:
In the Section entitled "The Guaranteed Principal Account," on page 17 delete
the last three sentences in the second paragraph and replace with the following:
Although MassMutual is not obligated to credit interest at a rate
higher than 3.5%, it will credit and guarantee a secondary interest
rate, which may be higher but will never be lower than 3.5%, for
each calendar year period. In addition MassMutual may pay a rate of
interest in excess of that secondary guarantee for such periods as
it deems appropriate. Upon request MassMutual will inform Contract
Owners of the then applicable rate or rates.
January 1, 1999
