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Massachusetts Mutual

Life Insurance Company

Ratings: AM Best A++ S&P AA+ Moody's Aa2

Company Description

"MassMutual RetireEase is a single premium immediate annuity (also known as an income annuity). The contract provides a reliable and predictable stream of income for as long as you live, or for a period of time you elect."


Fixed Immediate Annuities


California, Florida, Pennsylvania, Texas

Minimum Premium or Deposit



MassMutual RetireEase Single Premium Immediate Annuity

States Available

Not Available

Minimum Premium


Max Premium (without home office approval)


Issue Ages

18 to 90

Available Benefit Modes

Annually, Semi-Annually, Quarterly, Monthly

Life & Periods Certain Available


Periods Certain Only Available

Yes; 5, to 50 years

Joint & Survivor Available


Cash Refund Available

Yes, death benefit equals premium less sum of benefits received

Inflation Indexing Available


Cost of Living Adjustments Available

Yes; 1%, 2%, 3%, and 4%

Pricing: Male, 65, Life & 10 Years Certain, No COLA, $100,000 Premium

$655 monthly benefit



Cash Value


Other Features

Cash withdrawals (surrenders) - Available on contracts with income payment options that include a period certain.

Period certain-only: One full or partial withdrawal allowed per year after the first contract year. A partial withdrawal reduces future period certain payment amounts.

Life with period certain: One partial withdrawal allowed per year after the first contract year. The withdrawal reduces future period certain payment amounts, but does not alter the life payments.

Minimum withdrawal - $5,000 (Partial withdrawals are limited so that each remaining guaranteed payment is at least $100.)

Maximum withdrawal - Present value of all remaining period certain payments, less any surrender charges.

Surrender charges – 8% in year 2, grading to 0% in year 10