Questions? 1.800.239.0356

X
1.800.239.0356
1.800.239.0356
Back to Top
fixed annuities

Multi-Year Guarantee Annuity Details

Product Name

Stable Voyage 4

Annuity Type

Multi-Year Guarantee Annuity

Issuing Insurance Company and Ratings

A++
(1st of 15 ratings)
AA+
(2nd of 20 ratings)
Aa3
(4th of 21 ratings)
AA+
(2nd of 21 ratings)
98
(percentile of rated companies)

Product Information

The Stable Voyage 4 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 4 year guarantee period annual yield is 3.15% 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 4 has a full penalty free withdrawal window after 4 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contract year, and each year thereafter, this annuity provides up to 10% (noncumulative) of the contract value may be withdrawn from the annuity each contract year without penalty.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 $224.4 billion in total assets.

Rate Details

Apr 18th, 2022
Not Scheduled
4 years

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

Current
4 Year Guarantee Period Annual Yield: 3.15%
Interest rate start of year 1 through end of year 4: 3.15%

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

Current
4 Year Guarantee Period Annual Yield: 2.90%
Interest rate start of year 1 through end of year 4: 2.90%

Initial Surrender Charge and MVA Periods

4 years

N/A

4 years

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

Other Guarantee Periods Available

Policy Details

$10,000
$10,000
$1,500,000
$1,500,000
85
85
60 days
No
Accumulation Value
No

Penalty Free Withdrawal Provisions

10%
10%
No
Yes
Death, Hospitalization, Nursing Home 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

Not available in:  NY (as of 04/18/2022)

In CA: No Nursing Home and Hospitalization Penalty Waivers.