[Letterhead of Massachusetts Mutual]
May 2, 1996
Securities and Exchange Commission
450 Fifth Street, N.W.
Washington, D.C.
Re: Massachusetts Mutual Life Insurance Company
Panorama Separate Account
File No. 333-01363
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Dear Commissioners:
On behalf of Massachusetts Mutual Life Insurance Company (the "Company")
and Panorama Separate Account (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 post-effective amendment number 1 to the Form N-4
registration statement for the Account that was filed electronically with the
Securities and Exchange Commission on April 30, 1996 via EDGARLINK.
Sincerely,
/s/ Michael A. Chong
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Michael A. Chong, Esq.
