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[MASSMUTUAL LETTERHEAD APPEARS HERE]
May 1, 1998
Securities and Exchange Commission
450 Fifth Street, N.W.
Washington, D.C. 20549
Re: Massachusetts Mutual Life Insurance Company
Panorama Separate Account
File No. 333-01363 (formerly 2-73050)
Dear Commissioners:
On behalf of Massachusetts Mutual Life Insurance Company (the "Company") and
Panorama Separate Account (the "Separate Account"), I am filing a certification
pursuant to paragraph (j) of Rule 497 under the Securities Act of 1933. In this
regard, I certify that the form of prospectus and Statement of Additional
Information ("SAI") for certain deferred variable annuity contracts offered by
the Company through the Separate 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 3 to the Form N-4
registration statement for the Separate Account that was filed electronically
with the Securities and Exchange Commission on or about April 27, 1998.
Sincerely,
/s/ Lynn S. Mercier
Lynn S. Mercier
Attorney
