Ranked as a Best Annuity Company of 2025
MassMutual
Key Company Metrics
AM Best Rating: A++(Superior)
Years in Business: 174 years
Direct Premiums Sold: $9 million
Product Availability: Fixed, Income, Variable
MassMutual Product Types & Features
MassMutual offers a good mix of annuity options. Some smaller companies offer just one or two basic choices, while some larger companies offer a huge menu of annuities to consider.
MassMutual toes the line between both strategies, advertising a medium-sized mix of sturdy products.
Stable Voyage℠ Fixed Annuity
The Stable Voyage℠ fixed annuity is designed for conservative savers who want predictable growth. It accepts up to $1.5 million in premiums, grows tax-deferred at a guaranteed rate, and offers flexible payout choices, including single life, joint and survivor, or set period income. Standard waivers for nursing home, terminal illness needs, and a death benefit are also included.
Who It Works Best For: Susan, 68, just rolled over her 401(k) and wants to keep things simple. Stable Voyage℠ gives her steady growth and flexible income options without market risk, helping her feel secure about her next chapter.
Premier Voyage℠ Fixed Annuity
The Premier Voyage℠ builds on those features but is designed for larger contracts and longer commitments. It raises the premium cap to $2.5 million, includes a market value adjustment, and allows additional purchase payments at the end of a guarantee period. It’s a good fit for those who want extended growth and more flexibility in structuring their contract.
Who It Works Best For: Michael, 63, recently sold his business and wants to invest a larger sum safely. Premier Voyage℠ gives him higher premium capacity and extended terms that fit his long-term retirement plan.
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MassMutual RetireEase℠ Immediate Income Annuity
For retirees who want income right away, the MassMutual RetireEase℠ Immediate provides pension-like payments from a single premium. Unlike many immediate annuities, it also offers optional features such as inflation protection and beneficiary protection, giving retirees more control over how their income works.
Who It Works Best For: Patricia, 70, just retired and wants predictable paychecks to cover her living expenses. RetireEase℠ Immediate starts payments right away and lets her add inflation protection so her income keeps pace with rising costs.
RetireEase Choice℠ Deferred Income Annuity
The RetireEase Choice℠ Deferred works for those planning ahead. It can be funded with assets like IRAs and begins payments at a future date, creating guaranteed income later in retirement. This makes it especially useful for people who want to delay Social Security or secure a future income stream.
Who It Works Best For: David, 60, plans to work a few more years and delay Social Security. RetireEase Choice℠ lets him lock in guaranteed income that will begin later, ensuring he has a safety net when he transitions into full retirement.
MassMutual Envision℠ Variable Annuity
The Envision℠ variable annuity offers market-based growth potential. It gives access to a wide range of funds, from asset allocation to bonds and specialty strategies, with the option to add a guaranteed lifetime withdrawal benefit. It’s a modern choice for investors who want growth opportunities but still value income protection.
Who It Works Best For: Laura, 55, is comfortable with some market exposure but wants the peace of mind of guaranteed withdrawals in retirement. Envision℠ gives her growth potential today with protection for tomorrow.
Side-by-Side Comparison of MassMutual Annuities
| Product | Stable Voyage℠ | Premier Voyage℠ | RetireEase℠ (Immediate) | RetireEase Choice℠ (Deferred) | Envision℠ (Variable) |
|---|---|---|---|---|---|
| Type | Fixed | Fixed | Immediate Income | Deferred Income | Variable |
| Premium Limit | $1.5M | $2.5M | Single Premium | Flexible Funding | Varies |
| Growth | Fixed, tax-deferred | Fixed, tax-deferred | Not applicable | Tax-deferred until income | Market-based |
| Unique Features | Flexible payout options | Market value adjustment, renewal funding | Inflation & beneficiary protection | Pension-like future payments | Investment options + GLWB rider |
| Best Fit | Conservative savers | Larger contracts, extended terms | Income now | Income later | Growth + income protection |
- If you want steady, low-risk growth with flexible payout choices, consider Stable Voyage℠.
- If you want higher contract limits and extended features, consider Premier Voyage℠.
- If you want guaranteed income starting now, consider RetireEase℠ Immediate.
- If you want guaranteed income starting later, consider RetireEase Choice℠ Deferred.
- If you want market exposure with income protection, consider Envision℠.
Explore the Best Rates from MassMutual
| Term | Product | AM Best Rating | Rate |
|---|---|---|---|
| 5 Years | SecureGain 5 - 2025 | A++ | 5.15 % |
| 7 Years | SecureGain 7 - 2025 | A++ | 5.25 % |
| 7 Years | American Freedom Aspire 7 | A++ | 5.20 % |
Buy an Annuity From MassMutual Today
If you’d like to see how MassMutual’s annuities compare, our side-by-side guide makes it simple. In plain language, you can review features like contract terms, guarantees, and payout options so you can feel confident choosing the product that best fits your retirement goals.
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| Product |
Rate
|
Guarantee Period
|
Surrender Period
|
AM Best Rating
|
|---|---|---|---|---|
American Freedom Aspire 3 |
4.60% | 3 Years | 3 Years | A++ |
|
American Freedom Aspire 5 |
5.05% | 5 Years | 5 Years | A++ |
|
American Freedom Aspire 7 |
5.20% | 7 Years | 7 Years | A++ |
|
American Freedom Classic 3 |
4.20% | 3 Years | 6 Years | A++ |
|
American Freedom Classic 3 - 2025 |
4.75% | 3 Years | 3 Years | A++ |
Customer Satisfaction and Complaint History
MassMutual has a long history in the annuity space, and unlike many newer companies, it has a large amount of customer satisfaction data available.
The company ranked second overall in the 2023 J.D. Power Customer Satisfaction Index Ranking for annuity providers. In 2024, its position shifted to eighth place overall, but it still performed above the industry average. The 2025 rankings have not yet been released.
MassMutual also holds a strong NAIC Complaint Index Score of 0.07, meaning it receives only a small fraction of the complaints expected for a company of its size.
The NAIC (National Association of Insurance Commissioners) tracks the consumer complaints each state’s insurance commission receives each year. These are used to compile a company’s NAIC Complaint IndexNAIC Complaint IndexDetermined by dividing the company’s share of complaints in the U.S. market by the company’s share of premiums in the U.S. market. The National Complaint Index is always 1.00, so a score of 2.00, for example, is twice as high as expected in the market..
NAIC Complaint Index for MassMutual
| Individual Annuities Only | 0.57 |
See which annuity providers our independent editorial team ranked as the Best Annuity Companies of 2025.
Manage Your MassMutual Annuity Online
MassMutual’s online account portal makes it simple to view your contract details, track performance, and manage your annuity anytime, anywhere. Logging in is the fastest way to stay current on your policy and maximize your retirement plan. You can also take advantage of the MassMutual mobile app, which is available for both iPhone and Android devices.
Log into your provider account or connect with customer service at 1(800) 272-2216.
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