
MassMutual American Freedom Classic 3, 5, and 7
About this product
The American Freedom Classic 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.
Available Rates
Rates are based on current simulation settings with premium amount $100,000.00
3 Years | 4.75% |
5 Years | 5.00% |
7 Years | 5.25% |
Available Guarantee Periods
Rates are based on current simulation settings with premium amount $100,000.00
$25,000.00 - $99,999.00 | 4.5% |
$100,000.00 - $1,000,000.00 | 4.75% |
Features | |
Maximum Issue Age | 90 years |
Lifetime Income Details
Payout Options
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