Supplement dated February 14, 2002 to the:

• Panorama Premier prospectus dated September 7, 2001
  
• Panorama Passage prospectus dated May 1, 2001
  
• MassMutual Artistry prospectus dated May 1, 2001
  
• Flex Extra prospectus dated May 1, 2001
  
• Flex Annuity prospectus dated May 1, 2001
  
• LifeTrust prospectus dated May 1, 2001
  

a) Effective February 12, 2002, Alliance Capital Management L.P. became a Co-Investment Sub-Adviser of the MML Equity Fund. Due to this change, your variable annuity prospectus is amended as follows:

In the “Investment Choices” section under the sub-heading “MML Series Investment Trust (“MML Trust”):

1) The second paragraph is changed to remove the reference that David L. Babson & Company, Inc. is the investment sub-adviser to the MML Equity Fund.

2) The following language is added as a third paragraph:

MassMutual has entered into subadvisory agreements with David L. Babson & Company, Inc. (“Babson”) and Alliance Capital Management L.P. (“Alliance”), whereby Babson and Alliance each manage a portion of the MML Equity Fund.

b) In the “Contract/Certificate Value” section the following sub-section is added immediately following the “Transfers During the Income Phase” sub-section:

Limits on Frequent Transfers

This contract is not designed to serve as a vehicle for frequent trading in response to short-term fluctuations in the stock market. Such frequent trading can disrupt the management of a fund and raise its expenses. This in turn can have an adverse effect on fund performance. Therefore, organizations and individuals that use market-timing investment strategies should not purchase this contract.

If we, or the investment adviser to any of the funds available with this contract, determine that your transfer patterns among the funds reflect a market timing strategy, we reserve the right to take action, including, but not limited to:

     •     not accepting transfer instructions from a contract owner or an agent who is acting on behalf of one or more contract owners; and

     •     restricting your ability to submit transfer requests by overnight mail, facsimile transmissions, our voice response unit, the telephone, the internet or any other type of electronic medium.

We will notify you in writing if we will not accept your transfer request or we implement a transfer restriction due to your use of market timing investment strategies. We will allow you to re-submit the rejected transfer request and any future transfer requests by regular mail only. If we do not accept your transfer request, we will return the contract value to the investment choices that you attempted to transfer from as of the business day your transfer request is rejected.

Additionally, orders for the purchase of fund shares may be subject to acceptance by the fund. We reserve the right to reject, without prior notice, any transfer request to a subaccount if the subaccount’s investment in the corresponding fund is not accepted for any reason.

We have the right to terminate, suspend or modify these transfer provisions.