Fixed deferred annuities with zero fees

Steady growth, guaranteed income

Watch your money grow safely with fixed deferred annuities.

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Fixed Deferred Annuities

A fixed deferred annuity provides you with a guaranteed fixed rate of interest which can help you save money for retirement – without worrying about what the stock market is doing. You also have the ability to receive a guaranteed lifetime income.

Getting started

Saving for retirement is as easy as 1, 2, 3.
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1. Calculate your retirement income gap
Use the calculator below to understand what your expenses may be in retirement.
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2. Learn more about fixed annuities
See which annuity fits your financial situation.
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3. Connect with a financial professional
Get holistic planning with a financial professional and choose the right annuity for you.

Calculate your retirement income gap

Start to plan for your future today.
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Step 1 of 5 | About You

Will I have enough guaranteed income in retirement?

Understand what your expenses may be in retirement and calculate the gap between those expenses and your guaranteed income.

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5 MINUTES TO COMPLETE

Quick Start

  • Enter your information in the calculator. If you have a partner, they can complete the calculator and together you can get a more complete picture of retirement.
  • To complete the calculator even faster, get your current monthly expenses ready and any pension or other expected retirement income.
  • Our calculation is just an estimate, not a guarantee. So even if you have an income gap, don’t worry. We’re here to help you find ways to close the gap and plan for the retirement you want.

    How a fixed annuity works

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    Purchase Payment

    You purchase an annuity with a portion of your assets. This is called a purchase payment.
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    Contract Issued

    MassMutual issues you a contract that explains the terms of the annuity.
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    Tax-Deferred Growth1

    Your money grows at a fixed rate of interest. That interest compounds on a tax-deferred basis.
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    Annuity Payments Provided

    In the future, you can choose to receive monthly, quarterly, semi-annual, or annual annuity payments.
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    Is a fixed annuity right for you?

    Fixed deferred annuities are best for those who:

    • Accumulate money for retirement at a fixed interest rate
    • Add portfolio diversification with a conservative investment
    • Protect assets from market risk
    • Gain a source of guaranteed lifetime income

    Premier Voyage - A fixed deferred annuity

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    Product Highlights

    Issue Age: to 90
    Minimum Purchase Payment: $10,000
    Multi-year Guarantee Periods: 2, 3, 4, 5, 6, 7 years* with the option to renew into a new multi-year (or one-year) guarantee period when your initial guarantee period ends.
    Withdrawals: A "free withdrawal" amount can be withdrawn without a surrender charge or market value adjustment (MVA) each contract year.**
    Fees: None
    Market Risk: None
    Subsequent Purchase Payments: Permitted at renewal

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    Additional features:

    • Death Benefit
    • Nursing Home and Hospital Waiver
    • Terminal Illness Waiver
    • Annuity Payment Increase Rate
    • Cancellation Rights


    *The guarantee period is the period in which your fixed interest rate is guaranteed (2-7 years).
    **Withdrawals of earnings will be subject to ordinary income tax and may be subject to an additional 10% federal income tax if taken prior to age 59½.

    Discover how easy it is to work with a financial professional.

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    No commitment
    There is no cost associated with setting up a consultation with our team.
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    It’s about Y-O-U
    We’ll get to know you and understand your financial situation, goals, and objectives.
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    Trusted advice
    We'll provide you with solutions specific to your business so you can choose the financial products that work best for you.
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    A plan for the future
    We’ll talk about the road ahead and set you up for success.
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    Take the next step

    Discover how working with a financial professional can help you reach your goals and protect the ones you love, now and in the future.

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    Why MassMutual

    since

    1851

    we've been helping people secure their financial future and protect the ones they love

    Nearly

    $1.1T

    of life insurance protection in force as of 12/31/25

    delivered

    $10.3B

    insurance and annuity benefits paid to policyowners and other customers in 2025

    What's behind MassMutual's financial strength

    1Tax 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.

    This interactive calculator is made available to you as a self-help tool for your independent use and is not intended to provide financial advice. We cannot and do not guarantee its applicability or accuracy in regard to your individual circumstances. Examples are for illustrative purposes. We encourage you to seek personalized advice from a qualified financial professional regarding all personal finance issues. MassMutual will assume no liability for the use of or reliance on this calculator.

    This material does not constitute a recommendation to engage in or refrain from a particular course of action.

    The information within has not been tailored for any individual.

    Any guarantees explicitly referenced herein are based on the claims-paying ability of the issuing insurance company.

    The information provided is not written or intended as specific tax or legal advice. MassMutual, its subsidiaries, 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.

    MassMutual Premier VoyageSM (Contract Form #FPFA22-PV, and ICC22-FPFA-PV in some states including NC) is a fixed deferred annuity contract issued by Massachusetts Mutual Life Insurance Company, Springfield, MA 01111.

    The product and/or features are not available in all states.