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[LETTERHEAD C.M. LIFE INSURANCE COMPANY APPEARS HERE]
May 2, 1997
Securities and Exchange Commission
450 Fifth Street, N.W.
Washington, D.C. 20549
Re: C.M. Life Insurance Company
C.M. Multi-Account A (Panorama Premier)
File No. 33-61679
Dear Commissioners:
On behalf of C.M. Life Insurance Company (the "Company") and C.M. Multi-Account
A - Panorama Premier (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 Accounts 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 2 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, 1997.
Sincerely,
/s/ James M. Rodolakis
James M. Rodolakis
Counsel
