Annuity carrier
Lincoln Financial
AM Best A · 3 MYGA in live feed
Best MYGA rate · 5-year guaranteed rate
5.45%
CANNEX via AdvisorWorld · as of July 14, 2026
Live carrier comparison
Lincoln Financial vs Massachusetts Mutual Life Insurance Company
Carrier-level comparison using current AM Best ratings, live MYGA rates, product-lineup depth, and sourced disclosures.
Live CANNEX-backed data via AdvisorWorld. Each figure below carries its source, with as-of timing when the live feed provides it.
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VS
Annuity carrier
Massachusetts Mutual Life Insurance Company
AM Best A++ · 2 MYGA in live feed
Best MYGA rate · 7-year guaranteed rate
5.2%
CANNEX via AdvisorWorld · as of July 14, 2026
Auto-verdict
Lincoln Financial leads on best available MYGA rate, 5-year MYGA rate, MYGA lineup in the live feed; Massachusetts Mutual Life Insurance Company leads on carrier strength, 7-year MYGA rate. This compares current live-feed metrics only and is not a personalized recommendation.
- On best available MYGA rate, Lincoln Financial has the higher figure (5.45% · 5-year guaranteed rate · Lincoln Select vs 5.2% · 7-year guaranteed rate · Premier Voyage); Massachusetts Mutual Life Insurance Company is lower.
- On 5-year MYGA rate, Lincoln Financial has the higher figure (5.45% · 5-year guaranteed rate · Lincoln Select vs 5% · 5-year guaranteed rate · Stable Voyage); Massachusetts Mutual Life Insurance Company is lower.
- On MYGA lineup in the live feed, Lincoln Financial has the higher figure (3 MYGA products in live feed vs 2 MYGA products in live feed); Massachusetts Mutual Life Insurance Company is lower.
- On carrier strength, Massachusetts Mutual Life Insurance Company has the higher figure (A++ AM Best vs A AM Best); Lincoln Financial is lower.
- On 7-year MYGA rate, Massachusetts Mutual Life Insurance Company has the higher figure (5.2% · 7-year guaranteed rate · Premier Voyage vs 5.05% · 7-year guaranteed rate · MyGuarantee Plus Class); Lincoln Financial is lower.
Auto-generated from live data, current-feed metrics only, not a recommendation.
Live side by side
Compare on the numbers
Only metrics for product types both carriers sell are shown. Missing applicable values show unavailable.
| Metric | Lincoln Financial | Massachusetts Mutual Life Insurance Company |
|---|---|---|
| AM Best ratingCarrier financial strength from the live rate feed; higher rating rank is highlighted. | A AM Best CANNEX via AdvisorWorld · as of July 14, 2026 | A++ AM BestLeading CANNEX via AdvisorWorld · as of July 14, 2026 |
| Best MYGA rate in live feedHighest guaranteed rate currently returned for each carrier; terms can differ, so check the term shown in each cell. | 5.45% · 5-year guaranteed rate · Lincoln SelectLeading CANNEX via AdvisorWorld · as of July 14, 2026 | 5.2% · 7-year guaranteed rate · Premier Voyage CANNEX via AdvisorWorld · as of July 14, 2026 |
| Best 5-year MYGA rateHighest 5-year guaranteed rate returned for each carrier in the live feed. | 5.45% · 5-year guaranteed rate · Lincoln SelectLeading CANNEX via AdvisorWorld · as of July 14, 2026 | 5% · 5-year guaranteed rate · Stable Voyage CANNEX via AdvisorWorld · as of July 14, 2026 |
| Best 7-year MYGA rateHighest 7-year guaranteed rate returned for each carrier in the live feed. | 5.05% · 7-year guaranteed rate · MyGuarantee Plus Class CANNEX via AdvisorWorld · as of July 14, 2026 | 5.2% · 7-year guaranteed rate · Premier VoyageLeading CANNEX via AdvisorWorld · as of July 14, 2026 |
| MYGA products in live feedDistinct MYGA products returned by the live rate feed; the full shelf may be larger. | 3 MYGA products in live feedLeading CANNEX via AdvisorWorld · as of July 14, 2026 | 2 MYGA products in live feed CANNEX via AdvisorWorld · as of July 14, 2026 |
Current lineups
Top products from each carrier
Lincoln Financial
Top MYGA products in live feed
Rates: CANNEX via AdvisorWorld · as of July 14, 2026
Massachusetts Mutual Life Insurance Company
Top MYGA products in live feed
Rates: CANNEX via AdvisorWorld · as of July 14, 2026
Product-level matchups
Compare their products head to head
Common questions
Decision FAQs from the same numbers
Is Lincoln Financial or Massachusetts Mutual Life Insurance Company rated higher by AM Best?
On carrier strength, Massachusetts Mutual Life Insurance Company has the higher figure (A++ AM Best vs A AM Best); Lincoln Financial is lower. AM Best measures the insurer's claims-paying ability, not product value, so pair it with the rate rows above.
Does Lincoln Financial or Massachusetts Mutual Life Insurance Company have higher MYGA rates right now?
On best available MYGA rate, Lincoln Financial has the higher figure (5.45% · 5-year guaranteed rate · Lincoln Select vs 5.2% · 7-year guaranteed rate · Premier Voyage); Massachusetts Mutual Life Insurance Company is lower. On 5-year MYGA rate, Lincoln Financial has the higher figure (5.45% · 5-year guaranteed rate · Lincoln Select vs 5% · 5-year guaranteed rate · Stable Voyage); Massachusetts Mutual Life Insurance Company is lower. On 7-year MYGA rate, Massachusetts Mutual Life Insurance Company has the higher figure (5.2% · 7-year guaranteed rate · Premier Voyage vs 5.05% · 7-year guaranteed rate · MyGuarantee Plus Class); Lincoln Financial is lower. Rates vary by state, premium band, and term, so confirm on each product page.
Who offers more annuity products, Lincoln Financial or Massachusetts Mutual Life Insurance Company?
On MYGA lineup in the live feed, Lincoln Financial has the higher figure (3 MYGA products in live feed vs 2 MYGA products in live feed); Massachusetts Mutual Life Insurance Company is lower. These counts cover products in the current live rate feed, not every contract the carrier has ever issued.
How to read this comparison
Compare the carrier, then the contract.
A carrier comparison narrows the field; the product pages carry the surrender schedules, state availability, and rider mechanics that decide the actual fit.
Financial strength
Annuity guarantees are only as strong as the insurer behind them, so AM Best ratings sit next to the rate rows.
Rate context
Best-rate rows show each carrier's strongest current offer; individual products vary by term, state, and premium band.
Lineup depth
Product counts reflect the current live rate feed, a proxy for shelf breadth rather than a complete catalog.
Keep comparing
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Disclosures and sources
Live carrier and product figures are sourced from CANNEX via the AdvisorWorld public API and are labeled with source and as-of timing. Rows are shown only for product types both carriers sell in the live feed; missing applicable values show unavailable and are not backfilled with stale figures.
The verdict is auto-generated from current live-feed metrics only and is not a recommendation. Product counts and best rates describe the current rate feed, not every contract each carrier issues.
Rates vary by state, premium band, guarantee term, and issue age. Caps and participation rates can change. Annuity guarantees are backed by the issuing carrier's claims-paying ability and are not FDIC-insured. Educational only.
Use the carrier comparison as a starting point.
Then open each carrier profile for ratings history and the full live lineup, or go back to the market-wide rate tables.