Previously observed rate
5.45%
7-yr guarantee · $10,000,000+ premium
Previously observed rate; see the data notice and rate table below.
10%
Free W/D
50
Available jurisdictions
Rates as of August 10, 2026. CANNEX via AdvisorWorld; confirm rates and state availability before purchase.
Product analyzer
Run numbers for Premier Voyage
guaranteed rates, terms, state availability, surrender details, and contract facts stay scoped to this MassMutual product.
Live product data
Rates as of August 10, 2026, from AdvisorWorld and CANNEX.
Lead-term guaranteed rate
5.45% guaranteed for 7 years
Current guaranteed terms are shown from live rate records. Surrender details are omitted because an exact contract schedule is not linked in the current data.
Best fit
Buyers comparing the currently published guarantee terms who will confirm the applicable surrender schedule before purchase.
Available guarantee terms
2, 3, 4, 5, 6, and 7 years
AM Best
A++ Superior
Free withdrawal
10%/yr
Availability
50 jurisdictions (excl. New York)
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Guaranteed Rates by Term
| Term | Surrender term | Rate effective | $10,000–$24,999Premium · comparable annual rate | $25,000–$49,999Premium · comparable annual rate | $50,000–$99,999Premium · comparable annual rate | $100,000–$999,999Premium · comparable annual rate | $1,000,000–$9,999,999Premium · comparable annual rate | $10,000,000+Premium · comparable annual rate |
|---|---|---|---|---|---|---|---|---|
| 2-Year | Not available | Aug 10, 2026 | 3.95%Rate convention not stated | 3.95%Rate convention not stated | 4.05%Rate convention not stated | 4.2%Rate convention not stated | 4.25%Rate convention not stated | 4.35%Rate convention not stated |
| 3-Year | Not available | Aug 10, 2026 | 4.75%Rate convention not stated | 4.75%Rate convention not stated | 4.85%Rate convention not stated | 5%Rate convention not stated | 5.05%Rate convention not stated | 5.15%Rate convention not stated |
| 4-Year | Not available | Aug 10, 2026 | 4.8%Rate convention not stated | 4.8%Rate convention not stated | 4.9%Rate convention not stated | 5.05%Rate convention not stated | 5.1%Rate convention not stated | 5.2%Rate convention not stated |
| 5-Year | Not available | Aug 10, 2026 | 5%Rate convention not stated | 5%Rate convention not stated | 5.1%Rate convention not stated | 5.25%Rate convention not stated | 5.3%Rate convention not stated | 5.4%Rate convention not stated |
| 6-Year | Not available | Aug 10, 2026 | 5%Rate convention not stated | 5%Rate convention not stated | 5.1%Rate convention not stated | 5.25%Rate convention not stated | 5.3%Rate convention not stated | 5.4%Rate convention not stated |
| 7-Year | Not available | Aug 10, 2026 | 5.05%Rate convention not stated | 5.05%Rate convention not stated | 5.15%Rate convention not stated | 5.3%Rate convention not stated | 5.35%Rate convention not stated | 5.45%Rate convention not stated |
Key Features
Free withdrawal
10%/yrAnnual amount that may be available without surrender charges, subject to contract terms.
Surrender waivers
3Nursing home waiver, RMD waiver, Terminal illness waiver
Death benefit
Standard Death BenefitBeneficiary value depends on contract terms, withdrawals, and rider elections.
Annuitization options
Single and jointContract conversion options should be confirmed before purchase.
Fund types
Non-qualified, QualifiedAvailability can vary by state and product terms.
Surrender Schedule
Carrier Ratings
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