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Fixed Index Annuities

Fixed index annuities provide the ability to earn interest and create a stream of lifetime income. A fixed index annuity may be a good choice if you’re looking for some level of growth or income potential that’s protected from market loss.

What is a fixed index annuity?

A fixed index annuity links its return potential to market indices, such as the Standard & Poor’s 500 Index®. The performance of the index over a specific time frame helps determine the interest credited to the annuity.

Who should consider a fixed index annuity?

If your financial goals are long term and you’re looking for moderate asset growth, principal protection, and a low-risk way to generate guaranteed income, a fixed index annuity may be an option for you. Talk with a financial professional to help you better understand all the details.

Fixed index annuity features and benefits

Potential for
Interest is credited to an index account based in part on the performance of an external index.

Lifetime income
Fixed index annuities provide lifetime income through a series of periodic income payments or a guaranteed lifetime withdrawal benefit rider (elected at application for an additional cost).

Protection from
market loss
Fixed index annuities protect your contract value from market loss, whether you focus on asset growth or lifetime income. In years where there is little or no interest credited, however, the costs for riders such as a guaranteed lifetime withdrawal benefit may slightly decrease contract value.

Compare annuity options

How to buy an annuity

illustration of two figures in virtual meeting

A financial professional will be with you every step of the way to help you prepare for the future.

    • Assess
    • During your initial phone call, your financial professional will ask you questions to understand your financial goals and objectives.

    • Recommend
    • After looking at your entire financial picture, your financial professional will provide you with options so you can choose the products and financial planning strategies that are best suited for your situation.

    • Purchase
    • If you're satisfied with the recommendations, your financial professional will secure the products and services to help ensure your financial future.

    • Review
    • Your financial professional can work with you over time through periodic reviews to help you monitor the strategies in place, and their capacity to continuously meet your goals.

Contact a financial professional

Why MassMutual



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insurance and annuity benefits paid to policyowners and other customers in 2023*