MassMutual's headline rates
| Product | Type | Term | Rate |
|---|---|---|---|
| Secure 7 | MYGA (Ascend) | 7 years | 6.15% APY |
| RetireEase | SPIA — life only | Lifetime | $672/mo / $100k |
Why MassMutual Ascend is competitive
Ascend operates as the rate-competitive arm of MassMutual. Acquired from American Financial Group in 2021, Ascend retained the aggressive MYGA pricing posture that made Great American Life a household name on rate tables — while gaining the A++ balance sheet of its new parent.
RetireEase payout rates
SPIA payouts move with prevailing 10-year Treasury yields and the carrier's mortality assumptions. RetireEase is consistently in the top quartile for life-only payouts at ages 60–75, second only to New York Life on most quote runs.
Read the full MassMutual review or browse all today's annuity rates.
Frequently asked questions
- What are MassMutual's current annuity rates?
- MassMutual Ascend Secure 7-year MYGA currently leads the market at approximately 6.15% APY. MassMutual's RetireEase SPIA pays about $672/mo per $100,000 for a life-only contract at age 65.
- Is MassMutual Ascend the same as MassMutual?
- MassMutual Ascend is a wholly owned subsidiary of MassMutual (formerly known as Great American Life, acquired in 2021). Ascend issues most of the MYGA and FIA contracts; MassMutual proper issues SPIAs and variable annuities.
- What's the minimum for a MassMutual MYGA?
- Ascend Secure has a $10,000 minimum. Premium bands at $100,000+ typically add 10–15 basis points.
- How does MassMutual compare to Athene?
- On 5-year MYGA, Athene often edges out by 10–25 bps. On 7-year, MassMutual Ascend frequently leads. Athene is A+ rated; MassMutual is A++ — slightly higher financial strength.
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