UNITED STATES
                        SECURITIES AND EXCHANGE COMMISSION
                              Washington, D.C. 20549

                                     Form 13F

                                FORM 13F COVER PAGE

 Report for the Calendar Year or Quarter Ended: 12/31/2008

 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

 Address:    1295 State Street
             Springfield, Massachusetts 01111

 Form 13F File Number: 28-00548

 The institutional 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:    Bradley J. Lucido
 Title:   Chief Compliance Officer
 Phone:   (413) 744-7247

 Signature, Place, and Date of Signing:

 /s/ Bradley J. Lucido, Springfield, MA  February 9, 2009

 --------------------------------------------------------------------------
 Report Type (Check only one):

 [ ]  13F HOLDINGS REPORT.  (Check here if all holdings of this reporting
      manager are reported in this report)

 [ ]  13F NOTICE.  (Check here if no holdings reported are in this report,
      and all holdings are reported by other reporting manager(s))

 [X]  13F COMBINATION REPORT. (Check here if a portion of the holdings for
      this reporting manager are reported in this report and a portion are
      reported by other reporting manager(s))


List of other Managers Reporting for this Manager:

28-00060	Babson Capital Management LLC
28-04544	Baring Asset Management, Inc.
28-12028	Cornerstone Real Estate Advisers LLC
28-00203	OppenheimerFunds, Inc.
28-10498	First Mercantile Trust Company
28-10231	OFI Private Investments Inc.
28-10234	OFI Institional Asset Management Inc.



Babson Capital Management LLC (Babson Capital), Baring Asset
Management, Inc. (Baring), Cornerstone Real Estate Advisers
LLC (Cornerstone), OppenheimerFunds, Inc. (Oppenheimer),OFI Private Investments
Inc (OFI), OFI Institutional Asset Management Inc (OFII),
and First Mercantile Trust Company (First Mercantile) are all
indirect, majority-owned or wholly-owned subsidiaries of Massachusetts Mutual
Life Insurance Company (MassMutual). Babson Capital, Baring,
Cornerstone, Oppenheimer, OFI, OFII and First Mercantile have indicated
that they exercise investment discretion with respect to
the securities positions reported in each firm's Form 13F
filing. Nevertheless, such positions are deemed reported
on behalf of MassMutual to the extent that MassMutual is
deemed to share investment discretion over the positions as a
result of its ownership interests in Babson Capital, Baring,
Cornerstone, Oppenheimer, OFI, OFII, and First Mercantile and for the
limited and exclusive purpose of MassMutual*s compliance with Section 13(f)
of the Securities Exchange Act of 1934, as amended.


FORM 13F SUMMARY PAGE Report Summary:

Number of Other Included Managers: None


Form 13F Information Table Entry Total: 8


Form 13F Information Table Value Total:  $8,735





 
 
                                                             FORM 13F INFORMATION TABLE
 
                                                                                                            VOTING AUTHORITY
                                  TITLE OF              VALUE     SHARES/   SH/ PUT/ INVEST.  OTHER
          NAME OF ISSUER            CLASS    CUSIP    (X$1000)    PRN AMT   PRN CALL DISCRET. MGRS       SOLE    SHARED    NONE
 -------------------------------- -------- --------- ----------   -------   --- ---- -------- -----      ----    ------    ----
                                         

 ISHARE INC		MSCI GERMAN 	   464286806	   1538	    80000   SH	     SOLE				   80000
 ISHARE INC		MSCI MALAYSIA      464286830       620      85000   SH       SOLE				   85000
 ISHARE INC		MSCI EMERGING MKT  464287234       412      16500   SH       SOLE                                  16500
 DIAMONDS TR		UNIT SER 1	   252787106	   1147	    13100   SH	     SOLE				   13100
 ALTRIA GROUP INC	COM		   02209S103	   998	    66240   SH	     SOLE		66240
 FIRSTENERGY CORP	COM		   337932107       235      4830    SH	     SOLE		4830
 KRAFT FOODS INC	CL A		   50075N104       903      33639   SH	     SOLE		33639
 PHILIP MORRIS INTL INC COM		   718172109       2882     66240   SH       SOLE	        66240