{"id":23150,"date":"2025-11-22T03:22:24","date_gmt":"2025-11-22T03:22:24","guid":{"rendered":"https:\/\/finderica.com\/?p=23150"},"modified":"2025-11-22T03:22:24","modified_gmt":"2025-11-22T03:22:24","slug":"massmutual-annuity-review-company-overview-and-annuity-offerings","status":"publish","type":"post","link":"https:\/\/finderica.com\/?p=23150","title":{"rendered":"MassMutual annuity review: Company overview and annuity offerings"},"content":{"rendered":"\n<div class=\"DefinitionList mb-8 DefinitionList--table\">\n            <!-- htmlmin:ignore --><\/p>\n<h4 class=\"type-heading-four leading-8 sm:leading-10 mb-6\">\n    Key features and who it&#8217;s best for<br \/>\n    <\/h4>\n<p>    <!-- htmlmin:ignore --><\/p>\n<dl>\n<div class=\"Definition-item flex\">\n<dt class=\"text-gray-900\">Investment choices<\/dt>\n<dd class=\"text-gray-700\">\n<p>Offers a range of underlying investment options including stock, bond and specialty funds.<\/p>\n<\/dd>\n<\/div>\n<div class=\"Definition-item flex\">\n<dt class=\"text-gray-900\">RetirePay rider<\/dt>\n<dd class=\"text-gray-700\">\n<p>RetirePay is an\u00a0optional rider for an extra fee that guarantees a lifetime income stream regardless of market conditions. However, it has limitations on investments and excess withdrawals can impact the guarantee.<\/p>\n<\/dd>\n<\/div>\n<div class=\"Definition-item flex\">\n<dt class=\"text-gray-900\">Withdrawals<\/dt>\n<dd class=\"text-gray-700\">\n<p>Includes free withdrawal options (up to 10 percent per year), with riders for long-term care and terminal illness that waive charges under certain conditions.<\/p>\n<\/dd>\n<\/div>\n<div class=\"Definition-item flex\">\n<dt class=\"text-gray-900\">Death benefit<\/dt>\n<dd class=\"text-gray-700\">\n<p>Your beneficiary receives at least the greater of your contract value or total purchase payments made, adjusted for withdrawals.<\/p>\n<\/dd>\n<\/div>\n<div class=\"Definition-item flex\">\n<dt class=\"text-gray-900\">Fees<\/dt>\n<dd class=\"text-gray-700\">\n<p>Like most variable annuities, this product carries\u00a0several annual fees, including: a 1.15 percent M&amp;E risk charge, a 0.15 percent administrative fee, expense ratios for underlying investment funds and a $40 contract maintenance charge for contracts with less than $100,000.<\/p>\n<\/dd>\n<\/div>\n<div class=\"Definition-item flex\">\n<dt class=\"text-gray-900\">Who it\u2019s best for<\/dt>\n<dd class=\"text-gray-700\">\n<p>While Envision offers more growth potential than MassMutual\u2019s other offerings, variable annuities involve market risk, including the potential loss of your principal. It also comes with higher fees, so proceed with caution.<\/p>\n<\/dd>\n<\/div>\n<\/dl>\n<\/div>\n<p><a href=\"https:\/\/www.bankrate.com\/investing\/massmutual-annuity-review\/\" target=\"_blank\" rel=\"noopener\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Key features and who it&#8217;s best for Investment choices Offers a range of underlying investment options including stock, bond and specialty funds. RetirePay rider RetirePay is an\u00a0optional rider for an extra fee that guarantees a lifetime income stream regardless of market conditions. However, it has limitations on investments and excess withdrawals can impact the guarantee.<\/p>\n","protected":false},"author":1,"featured_media":23151,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"rank_math_lock_modified_date":false,"footnotes":""},"categories":[185],"tags":[1851,911,8947,7026,2378,63],"class_list":{"0":"post-23150","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-investing","8":"tag-annuity","9":"tag-company","10":"tag-massmutual","11":"tag-offerings","12":"tag-overview","13":"tag-review"},"_links":{"self":[{"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/posts\/23150","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/finderica.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=23150"}],"version-history":[{"count":0,"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/posts\/23150\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/media\/23151"}],"wp:attachment":[{"href":"https:\/\/finderica.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=23150"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/finderica.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=23150"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/finderica.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=23150"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}