Document:

Independent Auditors' Consent

 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. 333-80991 on Form
N-4 of our report dated February 15, 2002 for the Panorama Passage Segment of C.M. Life Multi-Account A and of our report dated March 1, 2002, on C.M. Life Insurance Company (which report expresses an unqualified opinion and includes explanatory
paragraphs referring to the use of statutory accounting practices and the change of certain 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 effective January 1, 2001, all of 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 25, 2002CONS. OF INDEP. AUDITORS', DELOITTE AND 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. 12 to Registration Statement No. 33-45122 on Form N-4 of our report dated February 15, 2002 for the Panorama
Plus Separate Account and of our report dated March 1, 2002 on C.M. Life Insurance Company (which report expresses an unqualified opinion and includes explanatory paragraphs referring to the use of statutory accounting practices and the change of
certain 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 – Version effective
January 1, 2001, all of 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 25, 2002INDEPENDENT AUDITORS' CONSENT

 

 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. 33-83798 on Form N-4 of our
report dated February 15, 2002 for the LifeTrust Segment of Massachusetts Mutual Variable Annuity Separate Account 3 and of our report dual dated March 1, 2002 and March 9, 2002 respectively, on Massachusetts Mutual Life Insurance Company (which
report expresses an unqualified opinion and includes explanatory paragraphs referring to the use of statutory accounting practices and the change of certain 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 effective January 1, 2001, all of 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 25, 2002Independent Auditors' Consent

 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. 3 to Registration Statement No. 333-81015 on Form N-4 of our report dated February 15, 2002 for the Panorama
Passage Segment of Massachusetts Mutual Variable Annuity Separate Account 4 and of our report dual dated March 1, 2002 and March 9, 2002, on Massachusetts Mutual Life Insurance Company (which report expresses an unqualified opinion and includes
explanatory paragraphs referring to the use of statutory accounting practices and the change in certain 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 effective January 1, 2001, all of 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 25, 2002Independent Auditors' Consent

 

 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. 6 to Registration Statement No. 333-45039 on Form N-4 of our
report dated February 15, 2002 for the Panorama Premier Segment of Massachusetts Mutual Variable Annuity Separate Account 4 and of our report dual dated March 1, 2002 and March 9, 2002, on Massachusetts Mutual Life Insurance Company (which report
expresses an unqualified opinion and includes explanatory paragraphs referring to the use of statutory accounting practices and the change in certain 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 effective January 1, 2001, all of 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 25, 2002Independent Auditors' Consent

 

 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. 333-01363 on Form N-4 of our
report dated February 15, 2002 for the Panorama Separate Account and of our report dual dated March 1, 2002 and March 9, 2002, respectively, on Massachusetts Mutual Life Insurance Company (which report expresses an unqualified opinion and includes
explanatory paragraphs referring to the use of statutory accounting practices and the change of certain 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 effective January 1, 2001, all of 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 25, 2002Independent Auditors' Consent

 

 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. 2 to Registration Statement No. 333-95851 on Form
N-4 of our report dated February 15, 2002 for the MassMutual Artistry Segment of Massachusetts Mutual Variable Annuity Separate Account 4 and of our report dual dated March 1, 2002 and March 9, 2002, on Massachusetts Mutual Life Insurance Company
(which report expresses an unqualified opinion and includes explanatory paragraphs referring to the use of statutory accounting practices and the change in certain 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 effective January 1, 2001, all of 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 25, 2002INDEPENDENT AUDITORS' CONSENT

 

 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. 8 to Registration Statement No. 33-76920 on Form N-4 of our
report dated February 15, 2002 for the LifeTrust Segment of MML Bay State Variable Annuity Separate Account 1 and of our report dated March 1, 2002, on MML Bay State Life Insurance Company (which report expresses an unqualified opinion and includes
explanatory paragraphs referring to the use of statutory accounting practices and the change of certain 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 effective January 1, 2001, all of 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 25, 2002

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