Annuities

    Annuities can be a powerful way to save for retirement. They are specifically designed to help you reach long-term financial goals, whether you want to put money aside for the future, generate a stream of income you can’t outlive, or both. Annuities may help your savings grow faster because you don’t pay income taxes on the money in your contract until you take a withdrawal. Annuities also are unique in that they can provide guaranteed lifetime income. Each type of annuity has advantages and drawbacks that you should consider carefully before deciding whether an annuity is right for you.

    Watch Take 5: Outliving Your Retirement Income

    Fixed Deferred Annuities

    A conservative type of annuity that offers tax-deferred saving, guaranteed fixed interest rates, and protection from market volatility1.

    More about Fixed Deferred Annuities

    Features and Benefits:

    • Protection from Market Ups and Downs
    • Guaranteed Fixed Interest Rates
    • Tax Deferral
    • Income Options
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    View Product/Fund Performance and Regulatory Documents

    1 Guarantees are based on the claims-paying ability of the issuing company and do not apply to the investment performance or the safety of amounts held in any variable investments.

    Taxable withdrawals are subject to ordinary income tax and, if made prior to age 59½, may be subject to a 10% federal income tax penalty.

    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). MMLIS, MMLD, and MSD are subsidiaries of Massachusetts Mutual Life Insurance Company (MassMutual), Springfield, MA 01111-0001; Members FINRA (www.FINRA.org).

    Insurance products issued by Massachusetts Mutual Life Insurance Company (MassMutual) (Springfield, MA 01111-0001) and its subsidiaries, C.M. Life Insurance Company and MML Bay State Life Insurance Company (Enfield, CT 06082).

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