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Withdrawals exceeding the free allowance or full surrender during the guarantee period are subject to declining surrender charges, starting at 7% in year one and reducing annually by term length. Charges do not apply after the guarantee period ends.

No optional riders; standard Living Needs Waivers are included automatically.

Beneficiaries receive the full contract value, payable without reduction for surrender charges.

Includes waivers for terminal illness and nursing home confinement (not available in all states).

Up to 10% of the contract value may be withdrawn each year without penalty. Required Minimum Distributions (RMDs) are also available free of charge, even if they exceed 10%.

Available for both qualified and non-qualified plans. The product is issued as a single-premium deferred annuity.

Issued by Massachusetts Mutual Life Insurance Company, Stable VoyageSM is available for both qualified and non-qualified funds. The minimum premium is $10,000, with contributions of $2.5 million or more requiring prior company approval. Additional premiums are not allowed during the guarantee period. Contracts are issued up to age 90. Beneficiaries receive the full contract value as a death benefit, payable without surrender charges.

At maturity, contracts will automatically renew into a one-year guarantee period if no election is made. Owners may alternatively select a new multi-year guarantee period, withdraw funds in full, or annuitize.

During the guarantee period, surrender value equals the accumulation value minus applicable surrender charges. After the guarantee period ends, the full accumulation value is available without penalty.

 is a single-premium MYGA designed to provide stable, predictable growth with multi-year guarantee periods of 3, 4, or 5 years. It offers fixed interest crediting, full protection of principal, and penalty-free annual withdrawals up to 10% of the contract value (or required minimum distributions if greater). The product also includes built-in waivers for certain qualifying events. At maturity, policyholders may renew into a new guarantee period, add premium with approval, or withdraw funds without penalty.

No optional riders; Living Needs benefits included where approved.

Beneficiaries receive the full contract value at death, without reduction for surrender charges.

Waivers apply for nursing home confinement, hospitalization, or terminal illness (not available in CA for nursing home waiver).

Policyholders may withdraw up to 10% annually without penalty. Required Minimum Distributions (RMDs) are also free, even if greater than 10%

Available for both qualified and non-qualified funds. Issued as a single-premium deferred annuity.

Issued by Massachusetts Mutual Life Insurance Company, the Premier VoyageSM is a deferred fixed annuity offering multiple guarantee periods. The contract can be funded with qualified or non-qualified funds and is available in all states except New York. Premiums of $2.5 million or more require home office approval. Beneficiaries receive the full contract value as the death benefit, and policyholders may choose from various annuitization options to secure lifetime or period-certain income.

At the end of the term, contracts may renew into any available multi-year period or default into a one-year guarantee period if no election is made. A new surrender charge schedule and MVA reset apply at renewal.

During the guarantee period, surrender value equals the accumulation value minus applicable surrender charges and any MVA. After the term ends, the full accumulation value is available without penalty.

is a single-premium, multi-year guaranteed annuity (MYGA) that offers fixed interest rates for terms ranging 

 It provides guaranteed growth with full protection of principal, penalty-free withdrawals up to 10% annually (or RMDs if greater), and built-in waivers for qualifying events. At maturity, policyholders may renew into a new guarantee period, add premium with approval, withdraw funds, or annuitize for lifetime income.

Early withdrawal charges apply if you surrender your annuity or take withdrawals exceeding the free withdrawal amount during the initial term or any renewal terms. Each purchase payment is assigned its own surrender charge schedule, which begins on the date that specific payment is received. The surrender charge for the Classic 3 is 7% for all three years. For the Classic 5, the charges are 8% in years 1 and 2, followed by 7%, 6%, and 5% in years 3 through 5. For the Classic 7, the charges are 8% in years 1 and 2, then decrease annually—7%, 6%, 5%, 4%, and 3% through year 7. These charges are waived for withdrawals covered by the 10% annual penalty-free allowance and for qualifying extended care or terminal illness events. After the surrender charge period ends, withdrawals are not subject to any surrender fees or market value adjustments.

Waivers for terminal illness and extended care.

10% annually (first year based on contributions; later years on account value).

Qualified and non-qualified (IRA, Roth, SEP, 403(b), 457(b).

The American Freedom Classic 3, 5, and 7 annuities are issued with a single purchase payment, with the option to add additional payments within 60 days of contract issue. Each purchase payment is treated independently, receiving its own guaranteed interest rate and surrender schedule for the term selected. The policy includes free annual withdrawals up to 10% of the account value, a death benefit equal to the greater of the account value or guaranteed minimum surrender value (GMSV), and built-in waivers for terminal illness and extended care. These annuities are available for both qualified and non-qualified plans, with issue ages up to 90 for standard use and 75 for inherited accounts. At the end of the initial term, the contract may renew under new rate conditions, or default to penalty-free one-year terms if no election is made.

Same one-year renewal default unless a new multi-year term is selected.

Greater of account value less applicable charges, or GMSV.

 series—offered in 3-, 5-, and 7-year term options—is a lineup of fixed annuities designed to provide secure, guaranteed growth over a selected time horizon. Each term features a guaranteed interest rate for the full duration of the contract, along with annual 10% penalty-free withdrawals, and options for lifetime income. These products allow clients to choose the term length that aligns with their short-, mid-, or long-term financial goals. Whether you’re planning for near-term access or long-term accumulation, the Classic 3, 5, and 7 annuities offer steady growth with protection from market volatility and flexibility through built-in liquidity features and health-related withdrawal waivers.

MassMutual – Stable Voyage (3-, 4-, 5-year terms)

MassMutual – Premier Voyage (2-, 3-, 4-, 5-, 6-, 7-year terms)

MassMutual Ascend – American Freedom Classic (3-, 5-, and 7-year terms, 2025 series)