Annuity Atlas
Today's top ratesMYGA3yr 6.10%5yr 6.30%7yr 6.35%10yr 6.30%FIA S&P cap3yr 9.70%5yr 16.00%7yr 12.90%10yr 17.00%
As of Oct 26 · B++ or betterAll rates →

Expert review · 2026

MassMutual review

Annuity Atlas covers 9 MassMutual annuity products with live rates and contract specs. 9 carry full editorial reviews.
How we rank →Today's rates →

A.M. Best

A++

Insurer claims-paying rating

Products tracked
9
MYGA yield (lineup max)
5.90% · 7yr · Premier Voyage 7-Year
Surrender range
2–7 years
Rate as of Oct 26, 2026
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Products covered
9
A.M. Best
A++
Categories covered
MYGA

9 MassMutual annuities

Click any product for rates, specs, and the full peer-group review.

Premier Voyage 7-Year
Retirement savers with a genuinely long time horizon who want an A++-rated carrier behind a locked-rate contract and don't need liquidity for seven years
A++
A.M. BEST
MYGA7-YR SURRENDER
Review →
Premier Voyage 5-Year
Conservative savers with $100,000 or more who value MassMutual's top-tier claims-paying strength over chasing the highest posted MYGA rate
A++
A.M. BEST
MYGA5-YR SURRENDER
Review →
Premier Voyage 6-Year
Conservative savers with at least $50,000 who want a guaranteed six-year rate from one of the strongest mutual insurers in the industry and are comfortable with a market value adjustment during the term
A++
A.M. BEST
MYGA6-YR SURRENDER
Review →
Stable Voyage 5-Year
Conservative savers who want a locked, no-MVA rate from an A++ carrier without needing to chase the very top of the MYGA rate table
A++
A.M. BEST
MYGA5-YR SURRENDER
Review →
Premier Voyage 4-Year
Conservative savers with $100,000 or more to commit for four years who value MassMutual's A++ claims-paying strength and the built-in illness waivers more than they need the single highest rate on the market
A++
A.M. BEST
MYGA4-YR SURRENDER
Review →
Stable Voyage 4-Year
Savers who want a top-rated carrier and a clean, no-MVA 4-year rate lock and aren't chasing the very top of the MYGA rate table
A++
A.M. BEST
MYGA4-YR SURRENDER
Review →
Premier Voyage 3-Year
Conservative savers who want a short, guaranteed-rate commitment backed by one of the strongest balance sheets in the industry
A++
A.M. BEST
MYGA3-YR SURRENDER
Review →
Stable Voyage 3-Year
Conservative savers who want a straightforward, no-MVA 3-year rate lock from a top-rated (A.M. Best A++) carrier and aren't chasing the single highest posted MYGA rate on the market
A++
A.M. BEST
MYGA3-YR SURRENDER
Review →
Premier Voyage 2-Year
Buyers parking $100,000 or more who want a short, locked-rate holding spot backed by one of the strongest balance sheets in the industry
A++
A.M. BEST
MYGA2-YR SURRENDER
Review →

Frequently asked questions

Is MassMutual a good annuity company?
We have reviewed 9 MassMutual products, and A.M. Best rates the carrier A++ for financial strength.
What is the surrender period for MassMutual annuities?
Surrender periods on MassMutual's current lineup run 2–7 years, depending on the product. Most products allow an annual free-withdrawal amount before charges apply. The product table above shows each product's surrender length, and each review covers the exact schedule.

Sources & standards

How we know what's on this page

Rates, terms & availability
Annuity Rate Watch, which aggregates carriers' filed rate sheets. Refreshed every night.
Financial strength
A.M. Best. We publish the carrier's letter rating rather than a score of our own.
Contract detail
The carrier's own brochure, minimum guaranteed surrender value, death benefit, RMD treatment, annuitization options, waiver riders and free-withdrawal terms. Where the brochure and the rate feed disagree, the brochure wins: it is the filed document. Where neither carries a fact, the page omits it. We do not fill gaps with estimates.
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