MassMutual

Guaranteed Interest Rate5 years

5-Year Fixed Annuity with Guaranteed Income

Minimum Purchase$50,000

Guaranteed Minimum Surrender Value87.5% GMSV

Best for: Retirees and near-retirees who want guaranteed income, predictable growth with n...

American Freedom Aspire 3

Guaranteed Interest Rate Period3 years guaranteed

Fixed Annuity with 3-Year Rate Guarantee & Penalty-Free Withdrawals

Penalty-Free WithdrawalsUp to 10% annually

Early Withdrawal Charge7% of amount withdrawn

Guaranteed Minimum Surrender Value (GMSV)87.5% of payments + interest

Best for: Conservative investors age 0-90 seeking guaranteed growth, predictable retiremen...

American Freedom Aspire 5

Guaranteed Interest Rate Period5 years guaranteed

5-Year Fixed Annuity with Guaranteed Rates

Guaranteed Minimum Surrender Value (GMSV)87.5% of premiums

Return of Premium (ROP)Available year 3+

Best for: This product is best for conservative investors nearing or in retirement who wan...

American Freedom Aspire 7

Guaranteed Interest RateGuaranteed through year 7

7-Year Fixed Annuity with Flexible Withdrawals

Free Withdrawal Allowance10% annually

Guaranteed Minimum Surrender Value (GMSV)87.5% of purchase payments

Return of Premium GuaranteeAvailable year 3+

Best for: Investors aged 0-88 seeking stable, predictable growth with controlled access to...

American Freedom Classic 3 - 2025

Guaranteed Interest Rate3-year guarantee per purchase payment

Fixed Annuity with 3-Year Rate Guarantee

Guaranteed Minimum Surrender Value (GMSV)87.5% of purchase payments

Flexible Purchase OptionsMinimum $25,000 initial; up to $2M (ages 0-75) or $1M (ages 76+)

Best for: Investors age 0-90 seeking predictable, guaranteed income for retirement who hav...

American Freedom Classic 5 - 2025

Guaranteed Interest RateGuaranteed until 5th contract anniversary

5-Year Fixed Annuity with Guaranteed Rates

Penalty-Free Withdrawals10% per year without MVA or early withdrawal charges

Waiver RidersExtended Care and Terminal Illness riders available

Flexible FundingMinimum $25,000 initial; $2,000 additional; up to $2M without approval

Best for: Conservative investors nearing or in retirement who want guaranteed income, prin...

American Freedom Classic 7 - 2025

Guaranteed Interest Rate4.65% (for purchases $100k+) or 4.50% (under $100k)

7-Year Fixed Annuity with Guaranteed 4.65% Rate

Lifetime Income OptionsAvailable upon contract anniversary

Guaranteed Minimum Surrender Value87.5% of contributions + 2.40% interest

Best for: Conservative investors nearing or in retirement who prioritize safety and predic...

American Landmark 3

Issue Ages0–90 (qualified/non-qualified); 0–75 (inherited)

Fixed-Indexed Annuity with Guaranteed Minimums & Index Growth

Guaranteed Minimum Surrender Value (GMSV)87.5% of purchase payments + minimum guaranteed interest

Index Strategy Options6 strategies available (declared rate and 5 index-linked options)

Penalty-Free Withdrawals10% annual free withdrawal; 3-year declining surrender charges at 9%

Best for: Investors age 0-90 seeking guaranteed principal protection, indexed market growt...

American Landmark 5

Interest StrategiesMultiple strategy options

Fixed Index Annuity with Choice of Strategies

Free Withdrawal Allowance10% annually

Early Withdrawal Charges9% year 1, declining to 0% year 6+

Guaranteed Minimum Surrender Value87.5% of premiums minimum

Best for: Investors seeking a balance between growth potential through indexed strategies ...

American Legend 7

Guaranteed Minimum Surrender Value (GMSV)87.5% + minimum guaranteed interest

7-Year Fixed-Indexed Annuity with Index Options & Guarantees

Seven-Year Term9% declining over 7 years

Multiple Index Strategies9 different crediting strategies available

Penalty-Free Withdrawals10% annually penalty-free

Best for: Investors age 0-85 seeking a balance between market-linked growth and principal ...

AssuranceSelect 3 Plus

Guaranteed Minimum Surrender Value (GMSV)87.5% + daily interest

Market-linked growth with guaranteed floor protection

Index-Linked Strategies6 strategy options

Penalty-Free Withdrawals10% annually free

Early Withdrawal Charges8% declining over 3 years

Best for: Investors ages 0-90 with $50,000+ to invest seeking market-linked growth with pr...

AssuranceSelect 5 Plus

Interest Strategies9 strategy options

Fixed-indexed annuity with choice of 9 index strategies & built-in waivers

Guaranteed Minimum Surrender Value (GMSV)87.5% minimum

Included Waivers100% account value

Best for: Investors aged 0-89 who want growth potential tied to market indices while maint...

AssuranceSelect 7 Plus

Index Interest StrategiesS&P 500 1-year cap, 7-year cap lock, risk control, and other specialized index options available

Index-linked growth with downside protection & flexible withdrawals

Guaranteed Minimum Surrender Value (GMSV)87.5% of purchase payments minus withdrawals plus daily interest at GMSV rate

Penalty-Free WithdrawalsFirst year: 10% of purchase payments; subsequent years: 10% of account value as of most recent anniversary

Early Withdrawal ChargesStarting at 8% in year one, declining annually through year seven

Best for: This product is best for investors age 0-85 seeking market-linked growth with do...

Index Protector 4

Guaranteed Minimum Surrender Value (GMSV)87.5% of purchase payments + interest

Index-linked growth with principal protection

Multiple Index Strategies5 index options available

Penalty-Free Withdrawals10% annual access

Extended Care Waiver100% account value

Best for: Investors age 0-90 seeking tax-deferred growth with principal protection who wan...

Index Protector 5 MVA

Interest Strategy Options5 different indexed strategies available

Fixed Indexed Annuity with Guaranteed Income & Market Upside

Free Withdrawal Allowance10% per contract year

Guaranteed Minimum Surrender Value (GMSV)87.5% of premiums (90% in Alaska & New Jersey)

Market Value Adjustment (MVA)5-year adjustment period

Best for: Conservative to moderate investors age 0–89 seeking a blend of principal protect...

Index Protector 7

Guaranteed Minimum Surrender Value (GMSV)87.5% of purchase payments

Market-linked growth with guaranteed floor protection

Seven-Year Term with Declining Charges7% declining over 7 years

Multiple Index Options8 different interest strategies available

Penalty-Free Withdrawals10% annual access penalty-free

Best for: Investors age 0-85 seeking tax-advantaged growth tied to market indexes with gua...

Premier Income Bonus

Built-In Income Rider1.15% annual charge on benefit base

Indexed Annuity with Income Rider & Growth Bonus

Income Percentages4.0% to 7.5% based on age

Interest Strategy FlexibilityMultiple options available

Downside Protection0% floor on indexed interest

Best for: Individuals aged 40-85 seeking guaranteed lifetime income, downside protection, ...

Safe Return

Interest Strategy OptionsDeclared rates guaranteed; indexed rates capped or participation-limited but never below 0%

Fixed Index Annuity with Flexibility & Guarantees

Free Withdrawal Allowance10% per contract year, non-cumulative

Guaranteed Minimum Surrender Value (GMSV)100% of premiums + minimum daily credited interest, less withdrawals and charges

Bailout Feature30-day window to withdraw without surrender charges if triggered

Best for: Individuals aged 0–85 with $25,000+ to invest who want growth potential linked t...

SecureGain 3

Guaranteed Interest Rate5-year guarantee period

Fixed annuity with 5-year rate guarantee

Minimum Purchase Payment$25,000 initial; $2,000 additional

Penalty-Free Withdrawals10% annually without penalties

Guaranteed Minimum Surrender Value87.5% of premiums plus daily GMSV interest

Best for: Conservative investors nearing or in retirement who want guaranteed growth, prin...

SecureGain 7

Guaranteed Interest Rate7 years guaranteed

7-Year Fixed Annuity with Guaranteed Rates & Principal Protection

Minimum Purchase Payment$25,000 initial; $2,000 additional within 60 days

Penalty-Free Withdrawals10% annually without penalties

Guaranteed Minimum Surrender Value87.5% of purchase payments + GMSV rate interest

Best for: Conservative investors nearing or in retirement who prioritize guaranteed income...

SecureGain 7

Interest Rate Guarantee7-year guarantee + lifetime floor

7-Year Fixed Annuity with Rate Guarantee & Flexible Access

Guaranteed Minimum Surrender Value (GMSV)87.5% minimum guarantee

Penalty-Free WithdrawalsUp to 10% annually

Early Withdrawal ChargesStarting at 8%

Best for: This product is best for conservative investors who want predictable, guaranteed...

SecureGain 7

Guaranteed Interest Rate7-year guarantee

7-Year Fixed Annuity with Guaranteed Rates

Minimum Purchase Payment$25,000 initial; $2,000 additional

Guaranteed Minimum Surrender Value87.5% of payments

Best for: Retirees and near-retirees who want guaranteed income, principal protection, and...

Financial Ratings

Live from CANNEX

Rating Agency

A.M. Best

Rating

A++

Description

Superior

Effective

September 11, 2023

Rating Agency

Standard & Poor's

Rating

A+

Description

Strong

Effective

March 5, 2020

Rating Analysis

MassMutual is consistently rated at the higher end of the credit rating spectrum by major agencies, often receiving ratings such as 'AA+' or similar. These ratings reflect its excellent financial strength, robust capitalization, and superior ability to meet policyholder and contract obligations. MassMutual benefits from a diversified business model that includes a wide range of insurance products, financial services, and a strong presence in retirement services. The company's strong performance is underpinned by conservative investment practices and a well-managed asset portfolio. The outlook for MassMutual is typically stable, indicating expectations of continued financial stability and strong operational performance.

MassMutual Products

Fixed Indexed Annuities

Explore MassMutual fixed indexed annuity products with current rates and features.

Multi-Year Guaranteed Annuities

Compare MassMutual MYGA products with guaranteed rates and terms.

Immediate Annuities (SPIA)

View MassMutual single premium immediate annuity options.

Deferred Income Annuities (DIA)

Explore MassMutual deferred income and QLAC products.