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

Stable Voyage is a Single Premium Deferred Annuity (SPDA) that credits a fixed interest rate for the entire duration of the selected guarantee period. The owner makes a one-time premium payment and selects a 3-, 4-, or 5-year term, during which interest grows tax-deferred. During each contract year, the policy allows annual penalty-free withdrawals up to 10% of the contract value, while withdrawals above this amount may be subject to surrender charges. At the end of each guarantee period, a 30-day window provides flexibility for renewal, surrender, or the start of annuity income without surrender charges.

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

The minimum premium amount is $10,000.

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

The maximum issue age is 85 years.

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

The current interest rate is 3.7%.

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

Withdrawals exceeding the 10% annual free-withdrawal limit, or a full surrender during the guarantee period, are subject to surrender charges. Charges decline each year until reaching 0% at the end of the term. All funds become fully penalty-free at the end of the guarantee period or during the 30-day renewal window.

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

The best available rate is 4.15% for a 5 year term.

MassMutual

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

About this product

MassMutual Stable Voyage℠ is a single-premium deferred fixed annuity issued by Massachusetts Mutual Life Insurance Company (MassMutual®) that provides guaranteed, tax-deferred interest growth and principal protection across 3-, 4-, and 5-year guarantee periods. It is designed for conservative savers who want predictable accumulation without exposure to stock market risk, along with the ability to convert values into guaranteed income through multiple annuity payout options. Stable Voyage also includes annual liquidity through a free-withdrawal feature and a renewal window at the end of each guarantee period to help owners adjust their strategy over time.

Available Rates

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

3 Years	3.95%
4 Years	4.00%
5 Years	4.15%

Available Guarantee Periods

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

$10,000.00 - $99,999.00	3.7%
$100,000.00 - $1,500,000.00	3.95%

Features
Maximum Issue Age	85 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