Variable Annuities
Built for securing futures.
A variable annuity offers clients a retirement plan with dependability and growth. Plus, it can include guaranteed lifetime income, tax deferral, and even a death benefit.
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Envision a better retirement for your clients
Deliver uncapped growth potential1, higher income and help clients outpace inflation with the MassMutual EnvisionSM Variable Annuity with the MassMutual RetirePaySM living benefit rider.
Over time, clients not only receive a higher withdrawal rate, but also the opportunity to capture more market growth, which provides a higher lifetime income payment2.
- The longer they’re invested, the larger their benefit base can be.
- RetirePay’s roll-up is included within the withdrawal rate. The longer they wait, and the older they are, the higher their rate.
1 When you elect RetirePay, your investment allocations are restricted so you may not experience the full risk or return potential of the market. Some types of annuities limit the potential you can earn. They allow some growth, but only up to a limit, often known as a “cap rate”. A Variable Annuity is different in that there is no limit to your earnings in accordance with the performance of the underlying investments- they are “uncapped”.
2 Postponing withdrawals may positively impact the Annual Lifetime Benefit Amount (e.g., because of higher Withdrawal Rates when you are older). However, if you postpone taking withdrawals, you may limit the value of this feature because your remaining life expectancy shortens as you age.
Products & Rates
NEW: MassMutual Envision and RetirePay
Our flexible premium deferred variable annuity is backed by MassMutual’s 170+ years of financial strength, with options that can guarantee income for a client’s life or for a specified period of time1. RetirePay is an optional living benefit rider which provides guaranteed lifetime income and is available with MassMutual Envision for an additional fee.
RetirePay Rates*
The roll-up is included within the withdrawal rate, so the longer your clients wait to take income — and the older they are — the higher their withdrawal rate.
- RetirePay rate table (PDF)
- NY RetirePay rate table (PDF)
- Rate sheet (PDF)
- NY Rate sheet (PDF)
- RetirePay consumer guide (PDF)
*Must be accompanied or preceded by the current MassMutual Envision Rate Sheet Prospectus Supplement.
Investment Options
Match clients’ investments with their long-term goals
We partner with world-class investment managers and analysts in their respective fields to bring expert solutions to our clients. MassMutual Envision offers 50+ professionally managed funds, 12 major asset classes, eight asset allocation portfolios3, and diverse investment styles.
- Investment Guide (PDF)
- Investment Options
- Allocation Funds Managed by BlackRock (PDF)
- Performance Report (PDF)
All products and materials may not be approved for use in your firm. Products and/or certain features and investment options may not be available in all states.
3 While RetirePay is in effect, investment allocations are restricted. Your client must either be invested 100% in one of the MML Asset Allocation Sub-Accounts or invested 100% in the Custom Allocation Program.
MassMutual RetirePay Calculator
This calculator helps you understand the guaranteed income, as well as hypothetical income with potential market growth, offered by RetirePay and compares it with other GLWBs.
For broker-dealer use only. Not for use with the public.
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Client Information
Good to know
Key Resources
Let’s talk about these results.
This resource is only approved for Registered Representatives who have an agreement to sell MassMutual Envision.
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.
This material is intended to compare MassMutual RetirePay, which has the roll-up built into the withdrawal rate to a traditional GLWB with a roll-up on the benefit base. It may not replicate exactly the performance found on a competitor illustration.
Sales Ideas
Built for creating opportunities
Develop your clients' annuity strategy using sales materials, industry trends, and timely insights. Talk to our experts about strategies to meet your client needs at
1-855-464-3436.
FOR BROKER-DEALER USE ONLY. NOT FOR USE WITH THE PUBLIC.
Guarantees are based on the claims-paying ability of the issuing insurer.
This product and/or certain features and investment options may not be available in all states.
Tax 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.
MassMutual Envision (Contract Form FPVDA21 and ICC21-FPVDA in certain states, including North Carolina) is a flexible premium deferred variable annuity contract issued by Massachusetts Mutual Life Insurance Company, Springfield, MA 01111-0001.
Variable annuities offered through registered representatives of MML Investors Services, LLC, Springfield, MA 01111-0001 or a broker-dealer that has a selling agreement with MML Strategic Distributors, LLC, Springfield, MA 01111-0001.
Principal Underwriters: MML Investors Services, LLC (MMLIS), Member SIPC®, and MML Strategic Distributors, LLC (MSD), are both Members FINRA and subsidiaries of Massachusetts Mutual Life Insurance Company, Springfield, MA 01111-0001.
MassMutual has engaged WealthVest to provide wholesaling services. WealthVest is not a subsidiary of MassMutual and wholesalers are not MassMutual employees.