May 3, 2024
United States Securities and Exchange Commission
Disclosure Review Office
Division of Investment Management
100 F Street, N.E.
Washington, DC 20549-0506
| Re: | Massachusetts Mutual Life Insurance Company
and its Massachusetts Mutual Variable Annuity Separate Account 4 Post-Effective Amendment No. 40 to Registration Statement on Form N-4 Prospectus Title: Panorama Premier File Nos. 333-45039, 811-08619 Class Identifier: C000021310 |
Dear Commissioners:
On behalf of Massachusetts Mutual Life Insurance Company (the “Depositor”) and its Massachusetts Mutual Variable Annuity Separate Account 4 (the “Registrant”), I hereby certify pursuant to Rule 497(j) under the Securities Act of 1933 (the “33 Act”) that:
| • | the form of prospectus and statement of additional information that would have been filed pursuant to Rule 497(c) under the 33 Act would not have differed from that contained in Post-Effective Amendment No. 40 (the “Most Recent Amendment”) to the above-referenced Registration Statement, which was filed on April 25, 2024 and became effective on April 29, 2024; and |
| • | the text of the Most Recent Amendment was filed electronically. |
Sincerely,
| /s/ James M. Rodolakis | |
James M.
Rodolakis |
Massachusetts Mutual Life Insurance Company (MassMutual), Springfield, MA 01111-0001, and its affiliated companies.