Variable Annuities

MassMutual® offers a suite of variable annuity products with investment options from both world-class, multi-national brand name investment managers as well as asset class specialists in their respective fields. These products serve as growth and tax deferral opportunities for those willing to take on more risk in their retirement planning along with the ability for lifetime income.

MassMutual EnvisionSM

MassMutual EnvisionSM is a flexible premium deferred variable annuity designed for accumulating assets for retirement. It offers a wide variety of investment choices, including asset allocation funds, bond funds, traditional equity funds, and specialty funds. MassMutual Envision with RetirePaySM, which provides guaranteed lifetime income, is an optional living benefit available for an additional cost.

Marketing Materials — MassMutual EnvisionSM

Envision Client BrochureEnvision Client Brochure
Envision Product SnapshotEnvision Product Snapshot
Envision Product SnapshotRetirement Income Planning
Envision Investment GuideEnvision Investment Guide
RetirePay Client BrochureRetirePay Client Brochure
MassMutual Envision with RetirePay PlacematMassMutual Envision with RetirePay Placemat
MassMutual Envision with RetirePay Placemat - NY OnlyMassMutual Envision with RetirePay Placemat (New York Only)
RetirePay Marketing Rate TableRetirePay Marketing Rate Table
RetirePay Marketing Rate Table - NY onlyRetirePay Marketing Rate Table (New York Only)
Envision Calculator - MassMutualMassMutual Envision Calculator (MassMutual.com)
Market Trends Market Trends

MassMutual Capital VantageSM

MassMutual Capital VantageSM is a flexible premium deferred variable annuity designed to help clients accumulate assets. A wide variety of funds and numerous asset classes and diverse investment styles let clients create an investment strategy that works with their risk tolerance and investment time horizon.

Marketing Materials — Capital VantageSM

Capital Vantage Client BrochureCapital Vantage Client Brochure
Capital Vantage Product SnapshotCapital Vantage Product Snapshot
Capital Vantage Investor GuideCapital Vantage Investor Guide

MassMutual Transitions SelectSM II

MassMutual Transitions SelectSM II is a flexible premium deferred variable annuity designed to help clients accumulate assets for the future without compromising important protections in the here and now. Just as important, Transitions Select II offers income protection with annuity options that can guarantee income for life or for a period of time your client chooses. This variable annuity is only available for the Beneficiary IRA and Non-Qualified Beneficiary markets.

Marketing Materials — Transitions SelectSM II

Transitions Select II Client BrochureTransitions Select II Client Brochure
Transitions Select II Product SnapshotTransitions Select II Product Snapshot
Transitions Select II Investor GuideTransitions Select II Investor Guide

FOR FINANCIAL PROFESSIONALS. NOT FOR USE WITH THE PUBLIC.

*Guarantees are based on the claims-paying ability of Massachusetts Mutual Life Insurance Company.

Tax deferral is automatically provided by tax-qualified retirement plans including IRAs. There is no additional tax deferral provided when an annuity contract is used to fund a tax-qualified retirement plan including IRAs. Investors should only consider buying this contract to fund a tax-qualified retirement plan or an IRA for this annuity’s insurance features, such as lifetime income payments and death benefits.

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