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May 3, 2000
Securities and Exchange Commission
450 Fifth Street, N.W.
Washington, D.C. 20549
Re: C.M. Life Insurance Company
Panorama Plus Separate Account
File No. 33-45122
Dear Commissioners:
On behalf of C.M. Life Insurance Company (the "Company") and Panorama Plus
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 10 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 25, 2000.
Sincerely,
/s/ James M. Rodolakis
James M. Rodolakis
Counsel
