[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
C.M. Multi-Account A (Panorama Premier)
File No. 33-61679
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Dear Commissioners:
On behalf of Massachusetts Mutual Life Insurance Company (the "Company")
and C.M. Multi-Account A (Panorama Premier) (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 29, 1996 via EDGARLINK.
Sincerely,
/s/ Michael A. Chong
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Michael A. Chong, Esq.
