MassMutual Ascend Life Insurance Company has the highest AM Best rating: A++ (Superior). Fewer than 2% of U.S. insurers share this rating. Known for financial conservatism and long-term stability, MassMutual is a top choice for savers. It fits those who prioritize safety and want consistently competitive rates across many MYGA terms.
On May 8, 2021, MassMutual announcned that it bought Great American Life Insurance Company (“Great American Life”). It also bought its related subsidiaries and affiliates. The total price was about $3.5 billion.
MassMutual Ascend at a Glance
| Detail | Information |
|---|---|
| Full Legal Name | MassMutual Ascend Life Insurance Company |
| Parent Company | Massachusetts Mutual Life Insurance Company (MassMutual) |
| Headquarters | Cincinnati, Ohio |
| AM Best Rating | A++ (Superior), highest possible |
| S&P Rating | AA+ (Very Strong) |
| Moody’s Rating | Aa3 |
| Comdex Score | 98 out of 100 |
| Total Assets (MassMutual) | $350+ billion |
| Products Offered | MYGAs, Fixed Index Annuities |
| States Available | 49 states + D.C. (not available in New York) |
| Minimum Premium | $10,000 (most products) |
MassMutual’s Financial Strength
MassMutual is one of only a handful of U.S. life insurers to hold an A++ from AM Best, the very top of the scale. Its parent, Massachusetts Mutual Life Insurance Co., has been in continuous operation since 1851 and remains a mutual company, meaning it’s owned by policyholders, not shareholders.
The company’s Comdex score of 98 out of 100 places it among the top-rated carriers in the country. S&P’s AA+ rating is one notch below its highest possible, while Moody’s Aa3 reflects equally strong long-term financial durability.
For a client putting $250,000 into an annuity for seven years, carrier stability matters as much as rate. MassMutual Ascend’s balance sheet and parent company resources have historically been among the most conservative and well-capitalized in the industry.
What Types of Annuities Does MassMutual Ascend Offer?
- Multi-Year Guaranteed Annuities (MYGAs), Locked guaranteed interest rates from 2 to 7 years. MassMutual Ascend offers one of the deepest MYGA lineups in the market, with multiple products and premium tiers.
- Fixed Index Annuities (FIAs), Growth linked to market indexes with a zero-loss floor. MassMutual Ascend’s FIA lineup includes income rider options for guaranteed lifetime withdrawals.
MassMutual Ascend MYGA Products and Current Rates
Live rates from AnnuityRateWatch · Rates updated April 17, 2026
| Product | Term | Rate (APY) | Min Premium | Last Rate Change | |
|---|---|---|---|---|---|
|
Premier Voyage 2
AM Best A++ |
2 Years | 3.45% | $1,000,000+ | Apr 13, 2026 | View Details → |
|
Premier Voyage 2
AM Best A++ |
2 Years | 3.4% | $100,000+ | Apr 13, 2026 | View Details → |
|
Premier Voyage 2
AM Best A++ |
2 Years | 3.25% | $50,000+ | Apr 13, 2026 | View Details → |
|
Premier Voyage 2
AM Best A++ |
2 Years | 3.15% | $10,000+ | Apr 13, 2026 | View Details → |
|
Premier Voyage 2
AM Best A++ |
2 Years | 3.15% | $25,000+ | Apr 13, 2026 | View Details → |
|
Premier Voyage 3
AM Best A++ |
3 Years | 4.4% | $1,000,000+ | Apr 13, 2026 | View Details → |
|
Premier Voyage 3
AM Best A++ |
3 Years | 4.35% | $100,000+ | Apr 13, 2026 | View Details → |
|
Stable Voyage 3
AM Best A++ |
3 Years | 4.3% | $100,000+ | Apr 13, 2026 | View Details → |
|
Premier Voyage 3
AM Best A++ |
3 Years | 4.2% | $50,000+ | Apr 13, 2026 | View Details → |
|
Premier Voyage 3
AM Best A++ |
3 Years | 4.1% | $10,000+ | Apr 13, 2026 | View Details → |
|
Premier Voyage 3
AM Best A++ |
3 Years | 4.1% | $25,000+ | Apr 13, 2026 | View Details → |
|
Stable Voyage 3
AM Best A++ |
3 Years | 4.05% | $10,000+ | Apr 13, 2026 | View Details → |
|
SecureGain 3 2025
AM Best A++ |
3 Years | 3.95% | $100,000+ | Mar 2, 2026 | View Details → |
|
SecureGain 3 2025
AM Best A++ |
3 Years | 3.6% | $25,000+ | Mar 2, 2026 | View Details → |
|
Premier Voyage 4
AM Best A++ |
4 Years | 4.4% | $1,000,000+ | Apr 13, 2026 | View Details → |
|
Premier Voyage 4
AM Best A++ |
4 Years | 4.35% | $100,000+ | Apr 13, 2026 | View Details → |
|
Stable Voyage 4
AM Best A++ |
4 Years | 4.3% | $100,000+ | Apr 13, 2026 | View Details → |
|
Premier Voyage 4
AM Best A++ |
4 Years | 4.2% | $50,000+ | Apr 13, 2026 | View Details → |
|
Premier Voyage 4
AM Best A++ |
4 Years | 4.1% | $10,000+ | Apr 13, 2026 | View Details → |
|
Premier Voyage 4
AM Best A++ |
4 Years | 4.1% | $25,000+ | Apr 13, 2026 | View Details → |
|
Stable Voyage 4
AM Best A++ |
4 Years | 4.05% | $10,000+ | Apr 13, 2026 | View Details → |
|
Premier Voyage 5
AM Best A++ |
5 Years | 4.7% | $1,000,000+ | Apr 13, 2026 | View Details → |
|
Premier Voyage 5
AM Best A++ |
5 Years | 4.65% | $100,000+ | Apr 13, 2026 | View Details → |
|
SecureGain 5 2025
AM Best A++ |
5 Years | 4.65% | $100,000+ | Mar 23, 2026 | View Details → |
|
Stable Voyage 5
AM Best A++ |
5 Years | 4.6% | $100,000+ | Apr 13, 2026 | View Details → |
|
Premier Voyage 5
AM Best A++ |
5 Years | 4.5% | $50,000+ | Apr 13, 2026 | View Details → |
|
Premier Voyage 5
AM Best A++ |
5 Years | 4.4% | $10,000+ | Apr 13, 2026 | View Details → |
|
Premier Voyage 5
AM Best A++ |
5 Years | 4.4% | $25,000+ | Apr 13, 2026 | View Details → |
|
Stable Voyage 5
AM Best A++ |
5 Years | 4.35% | $10,000+ | Apr 13, 2026 | View Details → |
|
SecureGain 5 2025
AM Best A++ |
5 Years | 4.35% | $25,000+ | Mar 23, 2026 | View Details → |
|
Premier Voyage 6
AM Best A++ |
6 Years | 4.7% | $1,000,000+ | Apr 13, 2026 | View Details → |
|
Premier Voyage 6
AM Best A++ |
6 Years | 4.65% | $100,000+ | Apr 13, 2026 | View Details → |
|
Premier Voyage 6
AM Best A++ |
6 Years | 4.5% | $50,000+ | Apr 13, 2026 | View Details → |
|
Premier Voyage 6
AM Best A++ |
6 Years | 4.4% | $10,000+ | Apr 13, 2026 | View Details → |
|
Premier Voyage 6
AM Best A++ |
6 Years | 4.4% | $25,000+ | Apr 13, 2026 | View Details → |
|
Premier Voyage 7
AM Best A++ |
7 Years | 4.75% | $1,000,000+ | Apr 13, 2026 | View Details → |
|
Premier Voyage 7
AM Best A++ |
7 Years | 4.7% | $100,000+ | Apr 13, 2026 | View Details → |
|
SecureGain 7 2025
AM Best A++ |
7 Years | 4.7% | $100,000+ | Mar 23, 2026 | View Details → |
|
Premier Voyage 7
AM Best A++ |
7 Years | 4.55% | $50,000+ | Apr 13, 2026 | View Details → |
|
Premier Voyage 7
AM Best A++ |
7 Years | 4.45% | $10,000+ | Apr 13, 2026 | View Details → |
|
Premier Voyage 7
AM Best A++ |
7 Years | 4.45% | $25,000+ | Apr 13, 2026 | View Details → |
|
SecureGain 7 2025
AM Best A++ |
7 Years | 4.4% | $25,000+ | Mar 23, 2026 | View Details → |
Rates apply to standard products. State availability varies. Not an offer or solicitation. Always verify current rates before purchasing.
MassMutual Ascend offers three distinct MYGA product families, each designed for a slightly different customer profile:
Premier Voyage Series
Available in 2, 3, 4, 5, 6, and 7-year terms, one of the most flexible MYGA lineups available. Minimum premium of $10,000, with rate tiers at $25K, $50K, $100K, and $1 million+. Ideal for clients who want flexibility in term length. Download the MYGA Brochure (PDF)
Stable Voyage Series
A simpler two-tier structure (standard and $100K+) with 3, 4, and 5-year terms. Best for clients who want straightforward terms and a highly rated carrier. Minimum premium $10,000.
SecureGain Series
Offered in 3, 5, and 7-year terms with minimum premium of $25,000. Competitive rates with a $100K+ tier. Download the SecureGain Brochure (PDF)
MassMutual Ascend Fixed Index Annuity Products
MassMutual Ascend offers several FIA products with index crediting strategies and optional income riders:
American Legend 7
A 7-year FIA with multiple index options and an optional guaranteed lifetime withdrawal benefit rider. Popular with clients planning for retirement income 7–10 years out. Read our full American Legend 7 review or download the brochure (PDF).
Who Is MassMutual Ascend Best For?
- Safety-first savers who want the absolute highest rated carrier available. An A++ from AM Best is as good as it gets.
- Clients with $25,000 or more who want access to MassMutual’s competitive rate tiers. The $25K and $100K thresholds unlock meaningfully higher rates.
- Long-term accumulators who can commit to 5–7 year terms and want to maximize tax-deferred growth.
- Conservative retirees rolling over CDs or savings who want a household-name carrier with 170+ years of history.
MassMutual Ascend is not available in New York state. New York residents should see our full carrier directory for NY-approved alternatives.
Contact MassMutual Ascend
| Contact Method | Details |
|---|---|
| Website | www.massmutualascend.com |
| Customer Service | 1-800-272-2216 |
| Mailing Address | MassMutual Ascend Life Insurance Company P.O. Box 5056 Cincinnati, OH 45202 |
| Hours | Monday–Friday, 8 a.m.–5 p.m. ET |
Work with My Annuity Store: We compare MassMutual Ascend products alongside 20+ other top carriers. Request a free quote or call 855-583-1104.
More MassMutual Ascend Product Reviews
We have published a deep-dive review of one of MassMutual Ascend’s most popular fixed index annuity products:
- MassMutual Ascend American Legend 7 Review, A detailed review of this 7-year FIA featuring premium bonuses up to 12% and multiple index crediting options.
MassMutual Product Reviews
Related: FIA Sales Leaders: Complete Indexed Annuity Market Data (2015-2025)
Related: FIA Sales Leaders: Complete Indexed Annuity Market Data (2015-2025)
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Comparing carriers is an important part of finding the right annuity. Each company offers different rate guarantees, financial strength ratings, and product features. Here are a few other carriers worth reviewing:
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Want help choosing? Use our live rate comparison tool to see which carriers offer the best rates today, or request a personalized quote.
