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[Letterhead of Massachusetts Mutual]
March 7, 1996
VIA EDGARLINK
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 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.
