What is the minimum guaranteed surrender value for MassMutual – Premier Voyage (2-, 3-, 4-, 5-, 6-, 7-year terms)?

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.

What is the minimum premium amount for MassMutual – Premier Voyage (2-, 3-, 4-, 5-, 6-, 7-year terms)?

The minimum premium amount is $10,000.

What is the maximum issue age for MassMutual – Premier Voyage (2-, 3-, 4-, 5-, 6-, 7-year terms)?

The maximum issue age is 90 years.

What is the current interest rate for MassMutual – Premier Voyage (2-, 3-, 4-, 5-, 6-, 7-year terms)?

The current interest rate is 3.5%.

What is the surrender charge schedule for MassMutual – Premier Voyage (2-, 3-, 4-, 5-, 6-, 7-year terms)?

Withdrawals above the annual free-withdrawal amount, or a full surrender during a multi-year guarantee period, are subject to surrender charges and may also be subject to a Market Value Adjustment (MVA). Surrender charges decline over time based on the selected guarantee period and differ between the initial guarantee period and any renewal guarantee periods. California uses a separate initial-period surrender schedule. No surrender charges or MVA apply to withdrawals taken in the 1-year guarantee period, during the window period at the end of a multi-year guarantee period, death benefits, qualifying nursing home / terminal illness withdrawals, or RMDs processed under MassMutual’s RMD program.

What are the best rates available for MassMutual – Premier Voyage (2-, 3-, 4-, 5-, 6-, 7-year terms)?

The best available rate is 4.65% for a 7 year term.

MassMutual

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

About this product

MassMutual Premier Voyage is a single-premium fixed deferred annuity that offers multi-year guaranteed interest rate periods of 2, 3, 4, 5, 6, or 7 years. It is designed for conservative savers who want principal protection, tax-deferred accumulation, and the option to convert their contract value into guaranteed lifetime income. The annuity credits a fixed interest rate for the entire guarantee period, shields the contract value from market volatility, and includes built-in access features, death benefit protection, and nursing home / terminal illness waivers for unexpected events.

Available Rates

Rates are based on current simulation settings with premium amount $100,000.00

2 Years	3.75%
3 Years	4.15%
4 Years	4.20%
5 Years	4.40%
6 Years	4.40%
7 Years	4.65%

Available Guarantee Periods

Rates are based on current simulation settings with premium amount $100,000.00

$10,000.00 - $24,999.00	3.5%
$25,000.00 - $49,999.00	3.5%
$50,000.00 - $99,999.00	3.6%
$100,000.00 - $999,999.00	3.75%
$1,000,000.00 - $9,999,999.00	3.8%
$10,000,000.00 - $20,000,000.00	3.9%

Features
Maximum Issue Age	90 years

Lifetime Income Details

Payout Options

Annuitization

Lump Sum Withdrawal

Additional Options

Actual payout options may vary by insurance carrier and specific products. Common alternatives include:

Life Income Only: Payments for the rest of your life, stopping upon death
Period Certain: Guaranteed payments for a specific time period (5, 10, 15, or 20 years)
Life with Period Certain: Lifetime payments with a minimum guaranteed period
Joint Life: Payments continue for both you and your spouse's lifetimes
Systematic Withdrawal: Regular withdrawals of a specified amount or percentage