EXHIBIT 99.F -- FORM OF ACTUARIAL OPINION



October 5, 1999

Massachusetts Mutual Life Insurance Company
1295 State Street
Springfield, MA 01111

Ladies and Gentlemen:

This opinion is furnished in connection with Registration Statement for
Massachusetts Mutual Life Insurance Company's Survivorship Flexible Premium
Adjustable Variable Life Insurance Policies (the "Policies") under the
Securities Act of 1933. The prospectus included in the filing describes the
Policies. I am familiar with the forms of the Policies and the prospectus.

In my opinion, the illustrations of benefits under the Policies included in the
section entitled "Illustrations" in Appendix A of the prospectus, based on the
assumptions stated in the illustrations, are consistent with the provisions of
the respective forms of the Policies. The age selected in the illustrations is
representative of the manner in which the Policies operate.

I hereby consent to the use of this opinion as an exhibit to Registration
Statement filing and to the reference of my name under the heading "Experts" in
the prospectus.

Sincerely,



/s/ Craig Waddington
- -------------------------
Craig Waddington, FSA, MAAA
Vice President and Actuary