UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 29549 FORM 13F FORM 13F COVER PAGE Report for the Calendar Year or Quarter Ended: March 31, 2008 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 1295 State Street Springfield, Massachusetts 01111 13F File Number: 28-548 The institutional investment 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: Rodney J. Dillman Title: Corporate Vice President and Associate General Counsel Phone: 413-226-1064 Signature, Place, and date of Signing: /s/ Rodney J. Dillman Springfield, Massachusetts May 8, 2008 Report Type (Check only one): [ x ] 13F HOLDINGS REPORT [ ] 13F NOTICE [ ] 13F COMBINATION REPORT List of other Managers Reporting for this Manager: None FORM 13F SUMMARY PAGE Report Summary: Number of Other Included Managers: None (See note below) Form 13F Information Table Entry Total: None (See note below) Form 13F Information Table Value Total: None (See note below) List of Other Included Managers: Babson Capital Management LLC (Babson Capital), Baring Asset Management,Inc. (Baring), Cornerstone Real Estate Advisers LLC (Cornerstone),and Oppenheimer Funds, Inc. (Oppenheimer) are all direct, majority-owned subsidiaries of Massachusetts Mutual Life Insurance Company (MassMutual). Babson Capital, Baring, Cornerstone and Oppenheimer have indicated that they exercise sole investment discretion with respect to the securities positions reported in each firms Form 13F filing. Nevertheless, such positions shall be deemed reported on behalf of MassMutual to the extent that MassMutual may be deemed to share investment discretion over the positions as a result of its ownership interests in Babson Capital, Baring, Cornerstone and Oppenheimer.