Stable Voyage
MassMutual
5.05%
5-yr guarantee
10%
Free W/D
Live product data
Rates as of May 29, 2026, based on the latest AdvisorWorld scan of CANNEX data.
Lead-term guaranteed rate
5.05% guaranteed for 5 years
A multi-year guaranteed annuity from MassMutual with declared rates published on this page across 3-, 4-, and 5-year terms, a matching 5-year surrender ladder, an annual free-withdrawal allowance, and activities-of-daily-living, RMD, and terminal-illness waivers — filed broadly across U.S. jurisdictions.
Best fit
Buyers who want a flat, contractually guaranteed rate locked in for a 5-year term from an A++-rated carrier with multi-agency financial-strength coverage, a known annual free-withdrawal allowance, a fully visible 5-year surrender schedule that matches the lead-term horizon, and the option of single or joint annuitization.
AM Best
A++ Superior
Surrender period
5 years
Free withdrawal
10%/yr
Product analyst notes
How to think about this contract
Why it can stand out
- Carrier financial-strength is corroborated across three independent agencies — A.M. Best, Standard & Poor's, and Moody's — so the strength view is not a single-source read.
- Term menu on this page covers 3-, 4-, and 5-year guarantee periods, so buyers can match the rate-lock to a shorter, mid, or lead-term horizon rather than being forced into a single term.
- Surrender ladder ends in the same year the longest guarantee period ends (5 years), so the lock-up window matches the contract's longest fixed-rate promise rather than extending beyond it.
- Annual free-withdrawal allowance plus three named surrender-charge waivers (activities-of-daily-living, RMD, and terminal-illness) give the contract visible escape valves for defined hardships, with annuitization options for both single-life and joint conversion visible on this page rather than gated behind a brochure.
What to confirm
- Term menu tops out at 5 years — buyers looking for a 7- or 10-year fixed-rate lock-in cannot get that horizon from this filing. The companion Premier Voyage filing covers the 7-year horizon; this one does not. Confirm the contract being illustrated matches the desired lock-in window.
- Surrender charges run a full 5 years with a meaningful first-year charge, so an unplanned early exit beyond the annual free-withdrawal allowance carries a real cost — this is a multi-year commitment, not a short-term cash equivalent.
- Posted rates on this page assume a specific premium-band and issue-age scenario; deposits in lower or higher bands may earn a different guaranteed rate, so the headline does not apply universally — verify the rate for the actual deposit size before signing.
- The death benefit is the standard contractual beneficiary value with no roll-up or step-up enhancement, and there is no guaranteed-lifetime-withdrawal rider on this filing — this contract is built for rate certainty over the chosen term, not for legacy enhancement or guaranteed lifetime income.
Not ideal for
Buyers who need a 7- or 10-year fixed-rate horizon (the companion Premier Voyage filing covers 7 years; for longer commitments a different filing is needed), short-window liquidity, market-linked upside through index crediting, a guaranteed-lifetime-withdrawal rider, or a death benefit with roll-up or step-up — a 5-year MYGA is a fixed-rate deferred contract built around a 5-year window, not any of those things.
Guaranteed Rates by Term
| Term | Guaranteed Rate |
|---|---|
| 3-Year | 4.75% |
| 4-Year | 4.8% |
| 5-Year | 5.05% |
Key Features
Free withdrawal
10%/yrAnnual amount that may be available without surrender charges, subject to contract terms.
Surrender waivers
3Activities of daily living, RMD waiver, Terminal illness waiver
Death benefit
Standard Death BenefitBeneficiary value depends on contract terms, withdrawals, and rider elections.
Annuitization options
Single and jointContract conversion options should be confirmed before purchase.
Fund types
Non-qualified, QualifiedAvailability can vary by state and product terms.
Surrender Schedule
Yr 1
7%
Yr 2
7%
Yr 3
7%
Yr 4
6%
Yr 5
5%
After
0%
RMD waiver, Terminal illness waiver, Surrender waivers
Carrier Ratings
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