Stable Voyage 4

Stable Voyage 4

Product Name

Stable Voyage 4

Annuity Type

Multi-Year Guarantee Annuity

Issuing Insurance Company and Ratings

MassMutual – Massachusetts Mutual Life Insurance Company - View details

(1st of 15 ratings)
(2nd of 20 ratings)
(4th of 21 ratings)
(2nd of 21 ratings)
(percentile of rated companies)

Product Information

The Stable Voyage 4 is a deferred multi-year guarantee annuity issued by MassMutual – Massachusetts Mutual Life.

This annuity is a premium banded product. The interest rate you earn will vary depending on the amount of premium you deposit (see Rate Details below). Currently, the highest 4 year guarantee period annual yield is 4.00% on premium amounts of $100,000 – $1,500,000.  This is the guaranteed annual yield, including bonuses if applicable, for the initial guarantee period term, up to the first penalty free full withdrawal window. The Stable Voyage 4 has a full penalty free withdrawal window after 4 years.

During the time in which the annuity is subject to surrender penalties, there are policy provisions that allow partial access on a penalty free basis.
Beginning with the first contract year, and each year thereafter, this annuity provides up to 10% (noncumulative) of the contract value may be withdrawn from the annuity each contract year without penalty.

This annuity also waives withdrawal penalties upon death. Your named beneficiary(ies) will receive a death benefit equal to the full accumulation value. A beneficiary may choose to receive their death benefit in either a lump sum or select an available annuitization option.

Details on additional penalty waivers can be found in the Penalty Free Withdrawal Provisions section below.

MassMutual – Massachusetts Mutual Life is rated “A++” by A.M. Best, was founded in 1851, and has over $238.8 billion in total assets.

Rate Details

Oct 1st, 2022
Not Scheduled
4 years

Premium Amount: $100,000 - $1,500,000 High-Band

4 Year Guarantee Period Annual Yield: 4.00%
Interest rate start of year 1 through end of year 4: 4.00%

Premium Amount: $10,000 - $99,999 Low-Band

4 Year Guarantee Period Annual Yield: 3.75%
Interest rate start of year 1 through end of year 4: 3.75%

Initial Surrender Charge and MVA Periods

Early Surrender Charges: 4 years
Market Value Adjustment (MVA): N/A
Penalty Free Full Withdrawal Window Available After: 4 years

State variations may exist, refer to product disclosure for details. 

Other Guarantee Periods Available

Policy Details

Min Premium Non-Qualified: $10,000
Max Premium Non-Qualified: $1,500,000
Max Issue Age Non-Qualified: 85
Rate Lock on Transfers: 60 days
Death Benefit: Accumulation Value

Min Premium Qualified: $10,000
Max Premium Qualified: $1,500,000
Max Issue Age Qualified: 85
Subject to MVA: No
Income Rider Available: No

Penalty Free Withdrawal Provisions

First Year Withdrawals: 10%
Cumulative Withdrawals: No
Penalty Waivers: Death, Hospitalization, Nursing Home and Terminal Illness

Years 2+ Withdrawals: 10%
RMD Friendly: Yes

See product brochure, disclosure and riders for additional details, limitations and availability. State variations, age restrictions and holding periods may apply.

State Variations

Not available in:  NY (as of 04/18/2022)