Item 30. Exhibit (h) d. 1. iv.

AMENDMENT NO. 4

to the

FUND PARTICIPATION AGREEMENT

AMENDMENT, dated as of July 8, 2003, to the Fund Participation Agreement dated as of the 1^st day of September, 1999 (the “Agreement”), by and between Scudder Investments VIT Funds (formerly, Deutsche Asset Management VIT Funds ) (“Trust”), Deutsche Asset Management, Inc. (“Adviser”), Massachusetts Mutual Life Insurance Company and C.M. Life Insurance Company (collectively the “Life Companies”)

WHEREAS, Trust, Adviser and Life Companies wish to amend the Agreement by replacing Appendices A and B thereto with the revised Appendices A and B attached hereto;

NOW, THEREFORE, in accordance with Section 10.9 of the Agreement, Trust, Adviser and Life Companies hereby agree as follows:

1.) Appendices A and B are replaced in their entirety with the revised appendices A and B attached hereto.

Except as expressly set forth above, all other terms and provisions of the Agreement shall remain in full force and effect.

IN WITNESS WHEREOF, the parties have caused their duly authorized officers to execute this Amendment as of the date and year first above written.

SCUDDER INVESTMENTS VIT FUNDS
By:	/s/ Bruce A. Rosenblum
Name:	Bruce A. Rosenblum
Title:	Assistant Secretary
MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY
By:	/s/ David O’Leary
Name:	David O’Leary
Title:	Sr. Vice President
C.M. LIFE INSURANCE COMPANY
By:	/s/ David O’Leary
Name:	David O’Leary
Title:	Sr. Vice President
DEUTSCHE ASSET MANAGEMENT VIT FUNDS
By:	/s/ William G. Butterly, III
Name:	William G. Butterly, III
Title:	Managing Director and Senior Counsel

Appendix A

to the

Participation Agreement by and among Deutsche Asset Management VIT Funds, Deutsche Asset Management, Inc. and Massachusetts Mutual Life Insurance Company and C.M. Life Insurance Company

(Page 1 of 2)

List of Portfolios:

Strategic Life 12:

Scudder VIT Small Cap Index (formerly, Deutsche VIT Small Cap Index)

Scudder VIT EAFE^® Equity Index (formerly, Deutsche VIT EAFE^® Equity Index)

Survivorship Variable Universal Life II (Massachusetts Mutual Life Insurance Company):

Scudder VIT Small Cap Index (formerly, Deutsche VIT Small Cap Index)

Variable Universal Life (Massachusetts Mutual Life Insurance Company):

Scudder VIT Small Cap Index (formerly, Deutsche VIT Small Cap Index)

Survivorship Variable Universal Life II (C.M. Life Insurance Company):

Scudder VIT Small Cap Index (formerly, Deutsche VIT Small Cap Index)

Variable Universal Life (C.M. Life Insurance Company):

Scudder VIT Small Cap Index (formerly, Deutsche VIT Small Cap Index)

Panorama, Panorama Premier, Panorama Passage and MassMutual Artistry:

Scudder VIT EAFE^® Equity Index (formerly, Deutsche VIT EAFE^® Equity Index)

Scudder VIT Small Cap Index (formerly, Deutsche VIT Small Cap Index)

Appendix A

(Page 2 of 2)

(Effective May 1, 2001)

Variable Universal Life II (Massachusetts Mutual Life Insurance Company):

Scudder VIT Small Cap Index (formerly, Deutsche VIT Small Cap Index)

Survivorship Variable Universal Life (Massachusetts Mutual Life Insurance Company):

Scudder VIT Small Cap Index (formerly, Deutsche VIT Small Cap Index)

Survivorship Variable Universal Life (C.M. Life Insurance Company):

Scudder VIT Small Cap Index (formerly, Deutsche VIT Small Cap Index)

Variable Universal Life Guard (Massachusetts Mutual Life Insurance Company):

Scudder VIT Small Cap Index (formerly, Deutsche VIT Small Cap Index)

Appendix B

to the

Participation Agreement by and among Deutsche Asset Management VIT Funds, Deutsche Asset Management, Inc. and Massachusetts Mutual Life Insurance Company and C.M. Life Insurance Company

List of variable separate accounts:

Panorama Separate Account

Massachusetts Mutual Variable Life Separate Account I

Massachusetts Mutual Variable Life Separate Account III

Massachusetts Mutual Variable Annuity Separate Account 4

C.M. Multi-Account A

C.M. Life Variable Life Separate Account I