Guaranteed income for the rest of your life  

Annuities provide:

  • Protection from the risk of outliving your savings.
  • A reliable source of income to supplement Social Security
  • Tax-deferred savings options1

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More about MassMutual annuities

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Lifetime Income

If you're looking to supplement your retirement income or guarantee income for the rest of your life2, an annuity may be a smart choice for you.
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Flexibility

Annuities can be immediate or deferred, meaning you can choose the solution that’s right for your time horizon. Some offer income that starts immediately, or within the next year, while some let you plan to take income in the future.
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Multiple Options

A financial professional can help you sort through the options and decide whether an annuity is a good move for your money.

1 Tax deferral is automatically provided by tax-qualified retirement plans, including IRAs. There is no additional tax-deferral benefit provided when an annuity contract is used to fund a tax-qualified retirement plan or an IRA. Investors should only consider buying this contract in conjunction with a tax-qualified retirement plan or an IRA for the annuity’s insurance features such as lifetime income payments.

2 Guarantees are based on the claims paying ability of the issuing company.

Annuities comparison chart



deferred
fixed annuity

variable annuity

fixed index
annuity

immediate income
annuity

deferred income
annuity (DIA)

features & benefits
  • Guaranteed fixed interest rate
  • Tax-deferred growth
  • Principal protection
  • Range of investment choices
  • Tax-deferred growth potential
  • Potential for loss in value
  • Interest is credited to an index account based in part on the performance of an external index
  • Tax-deferred growth
  • Market loss protection
  • Guaranteed income begins within 13 months of contract issue
  • Single purchase payment
  • Limited liquidity
  • Guaranteed income generally begins no earlier than 13 months after contract issue
  • Flexible purchase payments
  • No liquidity (limited exceptions on some products)

focus

Tax-deferred accumulation

Tax-deferred growth or, if a guaranteed lifetime withdrawal benefit is elected, meeting predictable income goals

Tax-deferred accumulation

Immediate income needs

Future income needs

death benefit protection

Typically

Depends upon annuity option chosen

Most DIA options provide for a return of purchase payment(s) if you die before income payments begin. After annuity income payments begin, any death benefit payable will be based on the annuity option you have chosen.

lifetime income option






Why MassMutual

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Experience & expertise

For over 170 years, people have depended on MassMutual to help secure their future and protect the ones they love.
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In your community

There's a MassMutual financial professional in your area — and over 8,000 across the nation — committed to helping you with whatever tomorrow brings.
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Trust & transparency

We work to earn your trust by explaining every step of our process, including answering any questions about the cost of products and services.
Ready to get in touch with a financial professional now? Call 1-844-383-7219.

The information provided is not written or intended as specific tax or legal advice. MassMutual, its employees and representatives are not authorized to give tax or legal advice. Individuals are encouraged to seek advice from their own tax or legal counsel.

Securities offered through registered representatives of MML Investors Services, LLC (MMLIS), Member SIPC® (www.SIPC.org), or a broker-dealer that has a selling agreement with MML Distributors, LLC (MMLD), Member SIPC®, or MML Strategic Distributors, LLC (MSD).

Principal Underwriters: MML Investors Services, LLC (MMLIS), Member SIPC® (www.SIPC.org), and MML Strategic Distributors, LLC (MSD), are both Members FINRA (www.FINRA.org) and subsidiaries of Massachusetts Mutual Life Insurance Company, Springfield, MA 01111-0001.

Annuity products are issued by Massachusetts Mutual Life Insurance Company (MassMutual) and C.M. Life Insurance Company. C.M. Life Insurance Company, Springfield, MA 01111-0001, is non-admitted in New York and is a subsidiary of MassMutual, Springfield, MA 01111-0001.