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. And with optional riders that respond to different market conditions, clients can tailor how they secure lifetime income.

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Contact our knowledgeable sales team to help meet your clients’ needs at:

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Envision a better retirement for your clients

Products & rates

MassMutual Envision and RetirePay

Deliver uncapped growth potential,1 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 payment.2

RetirePay Rates3

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.

Selling in NY

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.

3 Must be accompanied or preceded by the current MassMutual Envision Rate Sheet Prospectus Supplement.

New income guarantee options

MassMutual Envision offers three optional riders to help deliver guaranteed lifetime income tailored to your client’s outlook. Each rider is designed for a different market environment and client need:

Learn more about income guarantee riders
  • RetirePay: For clients confident in market growth—offers rising withdrawal rates and market step-ups for maximum income in strong markets.
  • RetireCoreSM: For clients seeking balance—guaranteed roll-ups plus potential market step-ups for steady income in flat or down markets.
  • RetireCore Stacking: For clients who want resilience—combines roll-ups and potential step-ups for the largest benefit base in volatile markets.
Income guarantee chart that shows the features of each of the three products: RetirePay, RetireCore, RetireCore Stacking

1 Access through excess withdrawals leads to a reduction in contract value, benefit base, death benefit and income amount.

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Let’s talk about clients’ annuities strategies.

Call us at 1-855-464-3436 or Find Your Regional Vice President (PDF).

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 portfolios,4 and diverse investment styles.


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.

4 While an Income Guarantee Feature is in effect, your investment allocations are restricted. You must either be invested 100% in one of the MML Asset Allocation Sub-Accounts or invested 100% in the Custom Allocation Program.

Envision this - client strategies and comparative case studies

Blue banner with a light bulb and text saying, "5 reasons why your clients should consider MassMutual Envision with RetirePay"

Discover 5 compelling reasons to recommend MassMutual Envision with RetirePay - strong partnerships, higher income potential, flexibility, and stability. Read the full brochure for actionable insights and details.

Learn more (PDF)



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.