Document:

Consent of Independent Auditors', Deloitte & Touche LLP.

Exhibit 10(i) 
 
INDEPENDENT AUDITORS’ CONSENT 
 
To the Board of Directors of 
Massachusetts Mutual Life Insurance Company 
 
We consent to the use in this Post-Effective Amendment No. 18 to Registration Statement No. 33-7723 on Form N-4 of our reports dated February 17, 2003 for the Massachusetts Mutual Variable Annuity
Separate Account 1 — Flex Extra (Qualified) Segment, and the Massachusetts Mutual Variable Annuity Separate Account 2 — Flex Extra (Non-Qualified) Segment, and of our report dated March 6, 2003, on Massachusetts
Mutual Life Insurance Company (which report on Massachusetts Mutual Life Insurance Company expresses an unqualified opinion and includes explanatory paragraphs referring to the use of statutory accounting practices and the adoption, effective
January 1, 2001, of certain statutory accounting practices as a result of the Commonwealth of Massachusetts Division of Insurance’s adoption of the National Association of Insurance Commissioners’ Accounting Practices and Procedures
Manual, which practices differ from accounting principles generally accepted in the United States of America) appearing in the Statement of Additional Information, which is a part of such Registration Statement, and to the reference to us under the
heading “Experts” in such Statement of Additional Information. 
 
DELOITTE & TOUCHE LLP 
 
Hartford, Connecticut 
 
April 24, 2003Consent of Independent Auditors', Deloitte & Touche LLP.

Exhibit 10(i) 
 
INDEPENDENT AUDITORS’ CONSENT 
 
To the Board of Directors of 
Massachusetts Mutual Life Insurance Company 
 
  We consent to the use in this Post-Effective Amendment No. 18 to Registration Statement No. 33-7724
on Form N-4 of our reports dated February 17, 2003 for the Massachusetts Mutual Variable Annuity Separate Account 1 — Flex Extra (Qualified) Segment, and the Massachusetts Mutual Variable Annuity Separate Account
2 — Flex Extra (Non-Qualified) Segment, and of our report dated March 6, 2003, on Massachusetts Mutual Life Insurance Company (which report on Massachusetts Mutual Life Insurance Company expresses an unqualified opinion and includes
explanatory paragraphs referring to the use of statutory accounting practices and the adoption, effective January 1, 2001, of certain statutory accounting practices as a result of the Commonwealth of Massachusetts Division of Insurance’s
adoption of the National Association of Insurance Commissioners’ Accounting Practices and Procedures Manual, which practices differ from accounting principles generally accepted in the United States of America) appearing in the Statement of
Additional Information, which is a part of such Registration Statement, and to the reference to us under the heading “Experts” in such Statement of Additional Information. 
  
 DELOITTE & TOUCHE LLP 
  
 Hartford, Connecticut 
 April 24, 2003Consent of Independent Auditors', Deloitte & Touche LLP

 
 
EXHIBIT 10(i) 
 
  INDEPENDENT AUDITORS’ CONSENT 
  
 To the Board of Directors of 
 Massachusetts Mutual Life Insurance Company 
  
 We consent to the use in this Post-Effective Amendment No. 7 to Registration Statement No. 333-45039 on Form N-4 of our report dated February 17, 2003 for the Massachusetts Mutual Variable Annuity Separate Account
4 — Panorama Premier Segment, and of our report dated March 6, 2003, on Massachusetts Mutual Life Insurance Company (which report on Massachusetts Mutual Life Insurance Company expresses an unqualified opinion and includes explanatory
paragraphs referring to the use of statutory accounting practices and the adoption, effective January 1, 2001, of certain statutory accounting practices as a result of the Commonwealth of Massachusetts Division of Insurance’s adoption of the
National Association of Insurance Commissioners’ Accounting Practices and Procedures Manual, which practices differ from accounting principles generally accepted in the United States of America) appearing in the Statement of Additional
Information, which is a part of such Registration Statement, and to the reference to us under the heading “Experts” in such Statement of Additional Information. 
  
 Deloitte & Touche LLP 
  
 Hartford, Connecticut 
 April 24, 2003Consent of Independent Auditors

Exhibit 10(i) 
 
  INDEPENDENT AUDITORS’ CONSENT 
  
 To the Board of Directors of 
 Massachusetts Mutual Life Insurance Company 
  
  We consent to the use in this Post-Effective Amendment No. 1 to Registration Statement No. 333-73406 on Form N-4 of our report dated February 17, 2003 for
the Massachusetts Mutual Variable Annuity Separate Account 4—MassMutual TransitionsSM Segment, and of our
report dated March 6, 2003, on Massachusetts Mutual Life Insurance Company (which report on Massachusetts Mutual Life Insurance Company expresses an unqualified opinion and includes explanatory paragraphs referring to the use of statutory accounting
practices and the adoption, effective January 1, 2001, of certain statutory accounting practices as a result of the Commonwealth of Massachusetts Division of Insurance’s adoption of the National Association of Insurance Commissioners’
Accounting Practices and Procedures Manual, which practices differ from accounting principles generally accepted in the United States of America) appearing in the Statement of Additional Information, which is a part of such Registration Statement,
and to the reference to us under the heading “Experts” in such Statement of Additional Information. 
  
 Deloitte & Touche LLP 
 Hartford,
Connecticut 
 April 24, 2003Consent of Independent Auditors', Deloitte & Touche LLP

Exhibit 10(i) 
 
INDEPENDENT AUDITORS’ CONSENT 
 
To the Board of Directors of 
Massachusetts Mutual Life Insurance Company 
 
  We consent to the use in this Post-Effective Amendment No. 8 to Registration Statement No. 333-01363 on Form N-4 of our report dated February 17, 2003 for the Panorama® Separate Account, and of our report dated March 6, 2003, on Massachusetts Mutual Life Insurance Company (which report on Massachusetts Mutual Life
Insurance Company expresses an unqualified opinion and includes explanatory paragraphs referring to the use of statutory accounting practices and the adoption, effective January 1, 2001, of certain statutory accounting practices as a result of the
Commonwealth of Massachusetts Division of Insurance’s adoption of the National Association of Insurance Commissioners’ Accounting Practices and Procedures Manual, which practices differ from accounting principles generally accepted in the
United States of America) appearing in the Statement of Additional Information, which is a part of such Registration Statement, and to the reference to us under the heading “Experts” in such Statement of Additional Information.

  
 
 DELOITTE & TOUCHE LLP 
  
 Hartford, Connecticut 
 April 24, 2003Consent of Independent Auditors', Deloitte & Touche LLP.

Exhibit 10(i) 
 
  INDEPENDENT AUDITORS’ CONSENT 
  
 To the Board of Directors of  
 MML Bay State Life Insurance Company 
  
 We consent to the use in this Post-Effective Amendment No. 9 to Registration Statement No. 33-76920 on Form N-4 of our report dated
February 17, 2003 for the MML Bay State Variable Annuity Separate Account 1— LifeTrust, and of our report dated March 6, 2003, on MML Bay State Life Insurance Company (which report on MML Bay State Life Insurance Company expresses an
unqualified opinion and includes explanatory paragraphs referring to the use of statutory accounting practices and the adoption, effective January 1, 2001, of certain statutory accounting practices as a result of the State of Connecticut Insurance
Department’s adoption of the National Association of Insurance Commissioners’ Accounting Practices and Procedures Manual, which practices differ from accounting principles generally accepted in the United States of America) appearing in
the Statement of Additional Information, which is a part of such Registration Statement, and to the reference to us under the heading “Experts” in such Statement of Additional Information. 
  
 DELOITTE &
TOUCHE LLP 
  
 Hartford, Connecticut 
 April 24, 2003Consent of Independent Auditors

Exhibit 10(i) 
 
 INDEPENDENT AUDITORS’ CONSENT 
  
 To the Board of Directors of 
 C.M. Life Insurance Company 
  
  We consent to the use in this Post-Effective Amendment No. 3 to Registration Statement No.
333-95845 on Form N-4 of our report dated February 17, 2003 for the C.M. Multi-Account A - MassMutual Artistry Segment, and of our report dated March 6, 2003, on C.M. Life Insurance Company (which report on C.M. Life Insurance Company
expresses an unqualified opinion and includes explanatory paragraphs referring to the use of statutory accounting practices and the adoption, effective January 1, 2001, of certain statutory accounting practices as a result of the State of
Connecticut Insurance Department’s adoption of the National Association of Insurance Commissioners’ Accounting Practices and Procedures Manual, which practices differ from accounting principles generally accepted in the United States of
America) appearing in the Statement of Additional Information, which is a part of such Registration Statement, and to the reference to us under the heading “Experts” in such Statement of Additional Information. 
  
 Deloitte & Touche LLP

  
 Hartford, Connecticut

 April 24, 2003Consent of Independent Auditors', Deloitte & Touche LLP

EXHIBIT 10(i) 
 
  INDEPENDENT AUDITORS’ CONSENT 
  
 To the Board of Directors of

 C.M. Life Insurance Company 
  
 We consent to the use in this Post-Effective Amendment No. 14 to Registration Statement No. 33-61679 on
Form N-4 of our report dated February 17, 2003 for the C.M. Multi-Account A – Panorama Premier Segment, and of our report dated March 6, 2003, on C.M. Life Insurance Company (which report on C.M. Life Insurance Company expresses an
unqualified opinion and includes explanatory paragraphs referring to the use of statutory accounting practices and the adoption, effective January 1, 2001, of certain statutory accounting practices as a result of the State of Connecticut Insurance
Department’s adoption of the National Association of Insurance Commissioners’ Accounting Practices and Procedures Manual, which practices differ from accounting principles generally accepted in the United States of America) appearing in
the Statement of Additional Information, which is a part of such Registration Statement, and to the reference to us under the heading “Experts” in such Statement of Additional Information. 
  
 DELOITTE & TOUCHE LLP 
  
 Hartford, Connecticut 
 April 24, 2003

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