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Tax Advantages and Dependable Growth with Annuities

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Key Insights

Market volatility has clients seeking stability paired with the evergreen necessity for growth. Now is the time to consider the tax-deferred fixed annuity (FA) or single premium immediate annuity (SPIA). These tax-deferred assets allow a client to pay no current income taxes on gains until the assets are withdrawn, and as these annuities grow tax deferred, they provide stability to a retirement portfolio. Fixed Annuities and SPIAs from MassMutual are backed by 170+ years of strong financial performance.

The Data

  • In exchange for a sum of after-tax cash dollars, the annuity purchaser receives a guaranteed fixed return over 3, 4 or 5 years.
  • See our current guaranteed fixed annuity rates. Because the annuity contract is an insurance policy, those returns grow tax-free.
  • Taxes are due only when the money is withdrawn.
  • These annuity solutions also provide a death benefit if the annuity has a balance at the time of death.

See this client demonstration of how annuities can provide tax advantages.

The Bottom Line

  • In the current economic environment, annuities have become increasingly appealing to clients looking for a source of predictable monthly income.
  • Dependability counts: Fixed Annuities and SPIAs from MassMutual are backed by the financial strength of MassMutual.
  • Fixed Annuities and SPIAS are rate driven – MMSD offers favorable rates and tax deferral benefits.

More Information

From our Tax Toolkit:

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Clients are increasingly looking for the solutions that annuities provide. Here’s your opportunity to address your clients’ concerns and build your business.

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Tax deferral is automatically provided by tax-qualified retirement plans, including IRAs. There is no additional tax-deferralbenefit 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 has engaged WealthVest to provide wholesaling services. WealthVest is not a subsidiary of MassMutual and wholesalers are not MassMutual employees. Annuity products are issued by Massachusetts Mutual Life Insurance company (MassMutual) and C.M. Life Insurance company. C.M. Life Insurance company, Enfield, CT 06082, is non-admitted in New York and is a subsidiary of MassMutual, Springfield, MA 01111-0001.