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January 5, 2000
The information below supplements Massachusetts Mutual Life Insurance Company's
Flex Extra Prospectus dated May 1, 1999. Please place this supplement with your
prospectus and retain it for future reference.
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FLEX EXTRA
Supplement dated January 5, 2000
to the Prospectus dated May 1, 1999
The Flex Extra Prospectus is amended as follows:
The first full paragraph in the left-hand column on page 21 is revised to read
as follows:
. Effective January 15, 2000, owners of certain TSA, IRA, or non-qualified
Flex Extra variable annuity contracts may exchange these contracts for a
Panorama Premier contract issued by us in New York and New Jersey and
issued by our wholly-owned subsidiary, C.M. Life Insurance Company, in all
other jurisdictions. If the Flex Extra contract is beyond the contingent
deferred sales charge period at the time of the exchange, the contract
value exchanged will not be subject to a contingent deferred sales charge
under either the Flex Extra contract or the Panorama Premier contract. If
the Flex Extra contract is within the contingent deferred sales charge
period at the time of the exchange, we will not assess a contingent
deferred sales charge under the Flex Extra contract on the contract value
exchanged to a Panorama Premier contract. However, a contingent deferred
sales charge may be assessed under the Panorama Premier contract. The
Panorama Premier contingent deferred sales charge percentage on the
exchanged contract value will be determined by treating the exchanged
contract value as if it were received as a Panorama Premier payment on the
issue date of the original Flex Extra contract. After the exchange is
complete, any additional payments made to the Panorama Premier contract
will be subject to the Panorama Premier CDSC.
January 5, 2000
