Variable Annuities

    If you’re looking for a way to potentially grow your assets as you save for retirement, a variable annuity may be right for you. You decide how the money in your variable annuity is invested, choosing from a range of professionally managed investment options. Investment returns in a variable annuity are based on market performance, so the investment options you choose should match your long-term objectives and risk tolerance. This is important because variable annuities are subject to market fluctuations that may cause a loss in value. Variable annuities may offer additional benefits, including tax-deferred accumulation, death benefit protection for your loved ones, and lifetime income options.

    Tax Deferral

    Because the money in your annuity accumulates on a tax-deferred basis, you don’t pay taxes on any earnings until they are distributed. That means more of your money remains available to benefit from potential investment earnings.

    Investment Options

    Variable annuities offer a range of investment choices that span various asset classes and investment styles, and that are managed by experienced investment managers. You can pursue your investment goals by creating an investment mix from available options.

    Protection Benefits1

    Variable annuity protection benefits include a choice of guaranteed death benefit options that allow you to select the type of death benefit (within contract limits), your beneficiaries, and the way in which the death benefit will be paid. In addition, certain “living benefits” may be available with a variable annuity (for an additional charge) that provide some level of guaranteed asset or income protection during your lifetime.

    Income Options

    When it’s time to begin receiving income from your annuity, you have several options to choose from, including systematic withdrawals and annuity options that can guarantee income for life or for a period of time you choose.

    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 the 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.

    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.

    Before purchasing a variable annuity, you should carefully consider the investment objectives, risks, charges and expenses of the variable annuity. For this and other information, obtain a prospectus from your registered representative. Please read the prospectus carefully before investing or sending money. You may also obtain the prospectuses (or summary prospectuses, if available) for the annuity’s underlying investment choices from your registered representative.

    Securities offered through registered representatives of MML Investors Services, LLC (MMLIS), Member SIPC® (, 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 (

    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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