UNITED STATES
                        SECURITIES AND EXCHANGE COMMISSION
                              Washington, D.C. 20549

                                     Form 13F

                                FORM 13F COVER PAGE

 Report for the Calendar Year or Quarter Ended: 3/31/2010

 Check here if Amendment:        [ ] ; Amendment Number: _______

 This Amendment(Check only one): [ ] is a restatement.
                                 [ ] adds new holdings entries.

 Institutional Investment Manager Filing this Report:

 Name:       Massachusetts Mutual Life Insurance Company

 Address:    1295 State Street
             Springfield, Massachusetts 01111

 Form 13F File Number: 28-00548

 The institutional manager filing this report and the person by whom it is
 signed hereby represent that the person signing the report is authorized
 to submit it, that all information contained herein is true, correct and
 complete, and that it is understood that all required items, statements,
 schedules, lists and tables, are considered integral parts of this form.

 Person Signing this Report on Behalf of Reporting Manager:

 Name:    Bradley J. Lucido
 Title:   Chief Compliance Officer
 Phone:   (413) 744-7247

 Signature, Place, and Date of Signing:

 /s/ Bradley J. Lucido, Springfield, MA  May 5, 2010

 --------------------------------------------------------------------------
 Report Type (Check only one):

 [ ]  13F HOLDINGS REPORT.  (Check here if all holdings of this reporting
      manager are reported in this report)

 [ ]  13F NOTICE.  (Check here if no holdings reported are in this report,
      and all holdings are reported by other reporting manager(s))

 [X]  13F COMBINATION REPORT. (Check here if a portion of the holdings for
      this reporting manager are reported in this report and a portion are
      reported by other reporting manager(s))


List of other Managers Reporting for this Manager:

28-00060	Babson Capital Management LLC
28-04544	Baring Asset Management, Inc.
28-12028	Cornerstone Real Estate Advisers LLC
28-00203	OppenheimerFunds, Inc.
28-10498	First Mercantile Trust Company
28-10231	OFI Private Investments Inc.
28-10234	OFI Institutional Asset Management Inc.



Babson Capital Management LLC (Babson Capital), Baring Asset
Management, Inc. (Baring), Cornerstone Real Estate Advisers
LLC (Cornerstone), OppenheimerFunds, Inc. (Oppenheimer),OFI Private Investments
Inc (OFI), OFI Institutional Asset Management Inc (OFII),
and First Mercantile Trust Company (First Mercantile) are all
indirect, majority-owned or wholly-owned subsidiaries of Massachusetts Mutual
Life Insurance Company (MassMutual). Babson Capital, Baring,
Cornerstone, Oppenheimer, OFI, OFII and First Mercantile have indicated
that they exercise investment discretion with respect to
the securities positions reported in each firm's Form 13F
filing. Nevertheless, such positions are deemed reported
on behalf of MassMutual to the extent that MassMutual is
deemed to share investment discretion over the positions as a
result of its ownership interests in Babson Capital, Baring,
Cornerstone, Oppenheimer, OFI, OFII, and First Mercantile and for the
limited and exclusive purpose of MassMutual's compliance with Section 13(f)
of the Securities Exchange Act of 1934, as amended.


FORM 13F SUMMARY PAGE Report Summary:

Number of Other Included Managers: None


Form 13F Information Table Entry Total: 11


Form 13F Information Table Value Total:  $59,252





 
 
                                                             FORM 13F INFORMATION TABLE
 
                                                                                                            VOTING AUTHORITY
                                  TITLE OF              VALUE     SHARES/   SH/ PUT/ INVEST.  OTHER
          NAME OF ISSUER            CLASS    CUSIP    (X$1000)    PRN AMT   PRN CALL DISCRET. MGRS       SOLE    SHARED    NONE
 -------------------------------- -------- --------- ----------   -------   --- ---- -------- -----      ----    ------    ----
                                         

 ISHARES INC		MSCI GERMAN 	   464286806	   1750	    80000   SH	     SOLE				   80000
 ISHARES INC		MSCI MALAYSIA      464286830       993      85000   SH       SOLE				   85000
 ISHARES TR Index	MSCI EMERG MKT     464287234       695      16500   SH       SOLE                                  16500
 POWERSHARES QQQ TRUST	UNIT SER 1	   73935A104       16285    338147  SH       SOLE                                  338147
 PROSHARES TR		PSHS SH MSCI EMR   74347R396	   13952    371850  SH	     SOLE				   371850
 PROSHARES TR		PSHS SHORT DOW30   74347R701       3876     78110   SH       SOLE				   78110
 PROSHARES TR		PSHS SHRT S&P500   74347R503       6074     122675  SH       SOLE				   122675
 PROSHARES TR		PSHS SHORT QQQ     74347R602	   14923    363350  SH       SOLE                                  363350

 BERKSHIRE HATHAWAY INC CL B NEW	   084670702 	   240	    2950    SH       SOLE               2950
 EXXON MOBIL CORP	COM		   30231G102       249      3720    SH       SOLE               3720
 GENERAL ELECTRIC CO	COM		   369604103	   215	    11800   SH       SOLE		11800