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May 3, 1999
Securities and Exchange Commission
450 Fifth Street, N.W.
Washington, D.C. 20549
Re: Massachusetts Mutual Life Insurance Company
Massachusetts Mutual Variable Annuity Separate Account 3
File No. 33-83798
Dear Commissioners:
On behalf of Massachusetts Mutual Life Insurance Company (the "Company") and
Massachusetts Mutual Variable Annuity Separate Account 3 (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 5 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, 1999.
Sincerely,
/s/ James M. Rodolakis
James M. Rodolakis
Counsel
