Questions? 1.800.239.0356

Back to Top
fixed annuities

Multi-Year Guarantee Annuity Details

Stable Voyage 3 (CA)

Product Name

Stable Voyage 3 (CA)

Annuity Type

Multi-Year Guarantee Annuity

Issuing Insurance Company and Ratings

(1st of 15 ratings)
(2nd of 20 ratings)
(4th of 21 ratings)
(2nd of 21 ratings)
(percentile of rated companies)

Product Information

The Stable Voyage 3 is a deferred multi-year guarantee annuity issued by MassMutual - Massachusetts Mutual Life.

This annuity is a premium banded product. The interest rate you earn will vary depending on the amount of premium you deposit (see Rate Details below). Currently, the highest 3 year guarantee period annual yield is 4.85% on premium amounts of $100,000 - $1,500,000.  This is the guaranteed annual yield, including bonuses if applicable, for the initial guarantee period term, up to the first penalty free full withdrawal window. The Stable Voyage 3 has a full penalty free withdrawal window after 3 years.

During the time in which the annuity is subject to surrender penalties, there are policy provisions that allow partial access on a penalty free basis. Beginning with the first contract year, and each year thereafter, this annuity provides up to 10% (noncumulative) of the contract value may be withdrawn from the annuity each contract year without penalty.

This annuity also waives withdrawal penalties upon death. Your named beneficiary(ies) will receive a death benefit equal to the full accumulation value. A beneficiary may choose to receive their death benefit in either a lump sum or select an available annuitization option.

Details on additional penalty waivers can be found in the Penalty Free Withdrawal Provisions section below.

MassMutual - Massachusetts Mutual Life is rated “A++” by A.M. Best, was founded in 1851, and has over $257.1 billion in total assets.

Rate Details

Premium Amount: $100,000 - $1,500,000 High-Band

3 Year Guarantee Period Annual Yield: 4.85%
Interest rate start of year 1 through end of year 3: 4.85%

Premium Amount: $10,000 - $99,999 Low-Band

3 Year Guarantee Period Annual Yield: 4.60%
Interest rate start of year 1 through end of year 3: 4.60%

Initial Surrender Charge and MVA Periods

3 years


3 years

State variations may exist, refer to product disclosure for details.

Other Guarantee Periods Available

Policy Details

Penalty Free Withdrawal Provisions

Death and Terminal Illness

See product brochure, disclosure and riders for additional details, limitations and availability. State variations, age restrictions and holding periods may apply.

State Variations

Available only in:  CA (as of 10/02/2023)

In CA: No Nursing Home and Hospitalization Penalty Waivers.