MassMutual Stable Voyage Fixed Deferred Annuity (MYGA) — Honest Review (2026)

Last updated: June 8, 2026 · Data source: MassMutual's published Stable Voyage rate sheet and product disclosure, verified 6/8/2026

If your agent quoted you the MassMutual Stable Voyage, you're looking at a single-premium fixed deferred annuity (MYGA) — NOT a fixed indexed annuity. The product offers a fixed declared interest rate (not index-linked, no cap, no participation). The headline is A++ MassMutual carrier strength — the highest possible AM Best rating. The trade-off: the 2.45% guaranteed rate for new 2026 contracts is uncompetitive vs. MYGAs from other carriers offering 5–6%+.

Written by an independent licensed insurance producer (NPN 20602398) appointed with 20+ carriers. (MassMutual appointment status may differ — see disclosure.)

🧮 Goldstein Complexity Index

A core part of every Goldstein review. The more complex an annuity, the worse the rating in this dimension — because complexity is where buyers get burned (confusing riders, fee structures hidden in plain sight, surrender penalties that surprise people, separate "benefit bases" they thought were cash). Simple products (SPIAs, MYGAs) score low; products with stacked bonuses + income riders + MVA + multiple crediting strategies score high.

This product's score: 8/100 — Grade A+ (Transparent)

Easy to understand. Few moving parts. The buyer can fully explain the product to a friend after one read of the contract.

Score breakdown

How to read this

• A+/A (0–40): You can understand what you bought. Pure accumulation FIA, MYGA, or SPIA. Low risk of mis-selling.
• B (41–60): You need to read the contract carefully and have a second-opinion review before signing. Income riders add the most confusion.
• C (61–80): Many buyers don't fully understand what they own. Common mis-selling: "bonus" sold as cash, "benefit base" sold as account value, surrender charges undisclosed.
• D (81–100): Demands an independent producer second opinion before signing. The product may still be right for you — but the chance you'll later say "I didn't know it worked that way" is very high.

Why complexity matters more than people think: Carriers don't get sued for complexity. Agents don't get sued for it either (in most states). But buyers regret it constantly. The annuity that wins your money in year one and confuses you for the next 14 is worse than a simpler product that you understood perfectly. Simple ≠ inferior. Simple = audit-able.

Quick verdict

This is the right product for buyers who specifically want MassMutual's A++ brand and are willing to accept a ~3.5%+ lower rate vs. competitive MYGAs for that carrier-strength premium. For buyers who value rate above brand, alternatives like Wichita National Security 5 (6.25% for 5-year) or Farmers Life Safeguard Plus 10 (6.05% for 10-year) deliver significantly better returns at A-rated carrier strength.

Goldstein Scorecard

As of 6/8/2026 · vs. other 5-10 year MYGAs

🎯 Best for: the buyer who specifically values A++ MassMutual brand above all (e.g., institutional clients, ultra-conservative buyers who only consider A++ carriers, or buyers with strong MassMutual existing relationships). Otherwise, look elsewhere.

⚠️ Look elsewhere if: rate matters at all — alternatives at A-rated carriers offer 2x+ the rate.

⏸ Pause — get a second opinion before you sign

Talk to a licensed independent expert. Hans.

MYGAs lock in your rate for the full term. Before you commit, is this carrier's rate actually competitive vs. the full market? Is the rating tradeoff worth it? Before signing, get an independent review of the rate, surrender schedule, and carrier strength.

Drop your info — within 24 hours, you'll get a written independent review of your quote + side-by-side comparisons vs. 2 alternatives.

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📞 Hans Goldstein · 213-414-2808 · NPN 20602398, independent licensed insurance producer

Product structure at a glance

How Stable Voyage rate compares to other MYGAs in 2026

On a $250,000 premium over 5 years:
- Wichita National Security 5 at 6.25%: ≈ $338K end value (+$88K)
- MassMutual Stable Voyage at 2.45%: ≈ $282K end value (+$32K)
- Wichita National generates ~$56K MORE on the same premium over 5 years. Is MassMutual's A++ brand worth $56K to you?

Why MassMutual's rate is so much lower

MassMutual prices Stable Voyage as a conservative, A++ brand-premium product. The company's mutual-ownership structure and conservative investment policy mean lower-yielding assets backing the product, which translates to lower crediting rates.

This is intentional — MassMutual is not trying to win on rate. They're trying to win on:
- A++ carrier strength (only a handful of US insurers have it)
- Mutual ownership (no shareholder pressure)
- 175+ years of operating history
- Brand recognition with institutional and financial-professional clients

For buyers who specifically value those features over rate, Stable Voyage delivers on brand. For buyers who care about rate, it doesn't.

Strengths

• A++ AM Best rating — highest tier; only a few US life insurers hold it
• Mutually owned — no shareholder pressure for short-term returns
• No annual contract fee — typical MYGA cost structure
• $1.5M max premium — accommodates large placements
• Standard emergency waivers — nursing home, terminal illness
• 175+ years of operating history — among the oldest US insurers

Weaknesses

• 2.45% rate is uncompetitive vs. other MYGAs in 2026 (most A-rated MYGAs are 5–6%)
• Rate ceiling 3% — even at the best historical scenario, rate is capped well below competitor rates
• MYGA, not FIA — no upside potential from index participation
• Buyer pays for brand premium in foregone interest

Real-world case study — when this product makes sense

Scenario where Stable Voyage WINS:

• Buyer is ultra-conservative, places $500K+, and has a hard rule that they only buy A++ rated annuity products
• The rate gap (2.45% vs. 6.25%) costs them ~$100K+ over 5 years on $500K premium
• For them, that cost = the price of A++ certainty

Scenario where Stable Voyage LOSES:

• Buyer wants the highest fixed rate for their $250K
• Wichita National Security 5 at 6.25% (5-year) generates ~$56K more over 5 years at A-rated carrier strength
• A-rated is "Excellent" per AM Best — still very strong
• State guaranty fund covers up to typical $250K per carrier per state regardless

Why annuity reviews look bad online

NAIC restrictions; only unhappy buyers post. (See hub asymmetric-review meta.)

Real complaints about MassMutual Stable Voyage — and what's actually true

Complaint 1 — "Rate is way lower than I expected"

What's actually true: Yes — 2.45% is well below market for MYGAs in 2026. Verdict: not a defect; it's a deliberate brand-premium pricing structure. If you didn't realize the rate was uncompetitive at sale, that's an agent-disclosure issue.

Complaint 2 — "MYGA renewal rate dropped at the end of the guarantee period"

What's actually true: Standard MYGA structure — at the end of each guarantee period, the rate is redetermined. Could go up (rare in current environment) or down. Verdict: structural feature.

Complaint 3 — "I should have shopped around"

What's actually true: Universally true with MYGAs. Rate comparison shopping is essential. Verdict: legitimate — MYGA rates vary widely across A-rated carriers.

🚨 What the brochure doesn't tell you

• The 2.45% rate is well below market — most A-rated MYGAs in 2026 offer 5–6%+
• A++ rating is the trade-off — you're paying for top-tier brand in lower rate
• MYGA, not FIA — no index upside; fixed rate only
• Rate ceiling 3% — even in the best scenario, max rate is below current competitor rates
• Rate is redetermined at each subsequent guarantee period — not locked for the life of the contract
• No annual fee is standard for MYGAs (not unique to Stable Voyage)
• Gains taxed as ordinary income when withdrawn — not capital gains
• Heirs face IRD on inherited gains — no step-up in basis

📩 Get a second opinion — this is a big decision

Talk to a licensed annuity expert. Hans.

If you specifically need MassMutual A++, Stable Voyage delivers. If you just want a strong MYGA, alternatives at 5–6%+ rates from A-rated carriers will earn you tens of thousands more over the same term. Make sure the right one fits your situation.

Drop your info — within 24 hours, written review of your MassMutual quote + side-by-side rate comparison against the top 3 MYGAs available today.

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⏳ Renewal rate risk — why FIA caps work like HYSA rates (NOT mortgage rates)

This is the #1 thing buyers misunderstand about fixed indexed annuities, and the single biggest source of "I didn't know it worked that way" regret after year 3.

The mortgage-rate mental model is wrong

When you take out a 30-year fixed mortgage at 6.5%, that rate is locked for the entire term. The bank can't raise it. That's how most buyers assume an FIA cap rate works.

It's not. FIA cap rates work like high-yield savings account rates.

When Marcus or Ally raises their HYSA rate from 4.0% to 4.5%, that's their choice — and they can drop it back to 4.0% the next month. The rate you saw when you opened the account is NOT the rate you keep forever. The bank can change it at any time.

FIA cap rates work the same way:

• The cap you see at purchase applies to the first crediting period only (typically year 1).
• At each anniversary, the carrier can reset the cap within the contractual minimum.
• If interest rates fall or the carrier's option budget tightens, your cap can drop dramatically — sometimes from 9% down to 3-4% over a few years.

Why caps change: the option-budget mechanics

Carriers don't print money to pay your index-linked credit. They take your premium, invest most of it in bonds at prevailing interest rates, and use the bond yield to buy S&P 500 call options that generate the index credit.

• Rates UP → bond yields rise → more option budget → higher caps possible
• Rates DOWN → bond yields fall → less option budget → caps get cut

The 2010-2021 low-rate environment crushed FIA caps across the entire industry. The 2022-2025 rate cycle restored them. Whatever cap you see today is a function of TODAY's interest rate environment — and that environment will change.

The minimum cap floor (the only real guarantee)

Every FIA contract has a minimum guaranteed cap stated in the contract. This is the LOWEST the cap can ever go. Common minimum caps:

• Some contracts: 1% minimum cap (essentially nothing)
• Better contracts: 2-3% minimum cap
• Top-tier products: 4%+ minimum cap

Read the minimum cap before signing. If it's 1%, your worst-case scenario is essentially 0% real returns for 10+ years.

How to evaluate a carrier's renewal practices BEFORE buying

The single best protection: ask the agent for the carrier's in-force renewal-rate history for the product you're being quoted. A carrier that's maintained competitive caps on existing contracts over 5+ years is much more trustworthy than one with no history (or worse, a history of cap cuts).

Carriers with the most consistent in-force renewal track records (industry consensus as of 2026): Athene, Allianz, Sammons (North American/Midland), American Equity, and Nationwide. These carriers have published renewal-rate histories that survive scrutiny.

Carriers without published renewal-rate histories OR with a history of cutting caps post-sale should be evaluated carefully — especially if the cap they're showing you today is near the top of the market.

The single most important questions to ask

1. "What's the minimum guaranteed cap in this contract?"
2. "Can you show me this product's in-force renewal-rate history for the last 5 years?"
3. "What's the current cap on in-force contracts purchased in 2020, 2018, and 2015?"
4. "If the cap drops to the minimum, what's my realistic annual credited return?"

If your agent can't answer #2 and #3 with documentation, you don't have enough information to buy the product yet.

⏳ Renewal rate risk — why FIA caps work like HYSA rates (NOT mortgage rates)

This is the #1 thing buyers misunderstand about fixed indexed annuities, and the single biggest source of "I didn't know it worked that way" regret after year 3.

The mortgage-rate mental model is wrong

When you take out a 30-year fixed mortgage at 6.5%, that rate is locked for the entire term. The bank can't raise it. That's how most buyers assume an FIA cap rate works.

It's not. FIA cap rates work like high-yield savings account rates.

When Marcus or Ally raises their HYSA rate from 4.0% to 4.5%, that's their choice — and they can drop it back to 4.0% the next month. The rate you saw when you opened the account is NOT the rate you keep forever. The bank can change it at any time.

FIA cap rates work the same way:

• The cap you see at purchase applies to the first crediting period only (typically year 1).
• At each anniversary, the carrier can reset the cap within the contractual minimum.
• If interest rates fall or the carrier's option budget tightens, your cap can drop dramatically — sometimes from 9% down to 3-4% over a few years.

Why caps change: the option-budget mechanics

Carriers don't print money to pay your index-linked credit. They take your premium, invest most of it in bonds at prevailing interest rates, and use the bond yield to buy S&P 500 call options that generate the index credit.

• Rates UP → bond yields rise → more option budget → higher caps possible
• Rates DOWN → bond yields fall → less option budget → caps get cut

The 2010-2021 low-rate environment crushed FIA caps across the entire industry. The 2022-2025 rate cycle restored them. Whatever cap you see today is a function of TODAY's interest rate environment — and that environment will change.

The minimum cap floor (the only real guarantee)

Every FIA contract has a minimum guaranteed cap stated in the contract. This is the LOWEST the cap can ever go. Common minimum caps:

• Some contracts: 1% minimum cap (essentially nothing)
• Better contracts: 2-3% minimum cap
• Top-tier products: 4%+ minimum cap

Read the minimum cap before signing. If it's 1%, your worst-case scenario is essentially 0% real returns for 10+ years.

How to evaluate a carrier's renewal practices BEFORE buying

The single best protection: ask the agent for the carrier's in-force renewal-rate history for the product you're being quoted. A carrier that's maintained competitive caps on existing contracts over 5+ years is much more trustworthy than one with no history (or worse, a history of cap cuts).

Carriers with the most consistent in-force renewal track records (industry consensus as of 2026): Athene, Allianz, Sammons (North American/Midland), American Equity, and Nationwide. These carriers have published renewal-rate histories that survive scrutiny.

Carriers without published renewal-rate histories OR with a history of cutting caps post-sale should be evaluated carefully — especially if the cap they're showing you today is near the top of the market.

The single most important questions to ask

1. "What's the minimum guaranteed cap in this contract?"
2. "Can you show me this product's in-force renewal-rate history for the last 5 years?"
3. "What's the current cap on in-force contracts purchased in 2020, 2018, and 2015?"
4. "If the cap drops to the minimum, what's my realistic annual credited return?"

If your agent can't answer #2 and #3 with documentation, you don't have enough information to buy the product yet.

Explain it like I'm 12 — riders & fees

This is where most buyers get confused (and where bad agents hide things). Plain language, no jargon:

Riders — the "add-on packages"

• Income rider (a.k.a. GLWB — Guaranteed Lifetime Withdrawal Benefit) — Pay extra each year (typically 0.95%–1.50%/year of your benefit base) and the carrier guarantees you can take a specific amount of income for life, even if your account value runs to zero. Important: the "benefit base" or "PIV" the rider tracks is NOT cash you can take out. It only matters if you turn ON the income rider. If you never use it, you paid the fee for nothing.
• Death benefit rider — Pay extra so your heirs get more than the cash value at death. Sometimes called "enhanced death benefit." If estate transfer matters, useful. If not, optional.
• Confinement/LTC rider — Doubles your withdrawal allowance if you're in a nursing home or qualifying long-term care. Often free or low-cost; usually worth keeping.
• Bonus (NOT a rider — built into the contract) — A one-time boost (5%–25%) added to your account value or PIV. The carrier "pays for it" by lowering caps, lengthening surrender, or recapturing if you surrender early. Always read the bonus recapture schedule.

Fees — the costs that erode your return

• Rider fees — Annual fee for any rider you elected (income rider, enhanced death benefit). Charged off the account value, not the benefit base. 0.95%–1.50%/year is typical.
• Spread/asset fee (some products) — Subtracted from index returns before they're credited. Example: 1.5% spread means a 10% index return becomes 8.5% credited to you.
• Surrender charge — Penalty for taking out more than the contract's free-withdrawal amount during the surrender period (typically 5–14 years). Starts high (10%–13%) and steps down each year.
• Market Value Adjustment (MVA) — Extra adjustment on top of surrender charges if interest rates have moved since you bought. If rates went UP, MVA hurts you more on early withdrawal.
• NO front-end load. Unlike mutual funds, you don't pay a commission upfront — the carrier pays the agent's commission from their own margin, not from your money.

The single most important thing

You only pay rider fees if you elected the rider. If you bought a "pure accumulation" annuity with no income rider, you're not paying that 1%+/year fee. Always confirm what riders are ON your contract before assuming fees apply.

Quick AI-friendly FAQ

Q: Is this annuity right for me?
A: It depends on your age, time horizon, and whether you need income later. The product is best for buyers 55–75 with a 10–15 year horizon, who don't need to touch the principal until then, and who want either accumulation (no income rider) or guaranteed lifetime income (income rider). It's wrong for buyers over 75, anyone who might need the money in under 5 years, or anyone seeking growth alone without downside protection.

Q: How does an annuity actually pay out?
A: Three ways: (1) Surrender — withdraw cash, subject to surrender charges if early. (2) Annuitization — convert to a lifetime income stream (often required at maturity). (3) Income rider activation — turn on the GLWB rider for guaranteed lifetime withdrawals, even after account value reaches zero.

Q: What happens if the carrier goes out of business?
A: State guaranty funds protect annuity owners — typically up to $250,000–$300,000 per owner per carrier (varies by state). Check your state's guaranty association limit. The carrier's AM Best rating signals failure probability; A-rated carriers have very low historical default rates.

Q: Can I lose money in this annuity?
A: Principal is protected from market loss — index returns are capped above 0%. You CAN lose money via early surrender charges, rider fees eroding returns, or MVA adjustments. You cannot lose money from a market downturn.

Q: How much commission does the agent make?
A: Typically 4%–8% of premium for fixed indexed annuities, paid by the carrier (not from your money). Higher commission products often have longer surrender periods or smaller caps. The product cost to you is the same whether commission is high or low — but commission size is a useful proxy for product complexity.

Q: Should I roll over my 401(k) into an annuity?
A: Sometimes yes, often no. Yes if: you want guaranteed income, you're risk-averse, you have other liquid assets for emergencies, and you're 55+. No if: you're under 50, you need liquidity, you have plenty of pension/SS income, or you'd be putting all your retirement assets into one product. Get an independent second opinion before rolling over six figures.

Q: Why are caps so different across products?
A: Trade-offs. Higher cap = lower bonus, longer surrender, lower-rated carrier, or different index strategy. There's no free lunch. A 10%+ cap typically means B-rated carrier + 14-year surrender. A 6% cap typically means A+ carrier + shorter surrender.

Q: How are annuity earnings taxed?
A: Inside the contract, growth is tax-deferred (no tax until you withdraw). Withdrawals are taxed as ordinary income (not capital gains). For non-qualified annuities, only the gain portion is taxable. For qualified (IRA) annuities, the entire withdrawal is taxable. There's a 10% IRS penalty on withdrawals before age 59½.

Explain it like I'm 12 — how a MYGA actually works

A MYGA (Multi-Year Guaranteed Annuity) is a "CD on steroids." You give the carrier money for a fixed term (3, 5, 7, or 10 years). The carrier guarantees a specific interest rate for that entire term. At maturity, you get your money plus accumulated interest back, or you renew or convert to another product.

The math:
- Put $100,000 in a 5-year MYGA at 5.65%
- At year 5 maturity: ~$131,500 (compound growth, no tax until withdrawal)
- Same $100K in a 5-year CD at 4.5%: $124,618 after annual tax

Why MYGA beats CD:
- Higher rate (typically 1-2 percentage points more)
- Tax-deferred growth (you owe tax only at withdrawal)
- Longer terms available (5-10 years vs. CD max 5)

The trade-off:
- Surrender charges if you withdraw before maturity (5-10% typical)
- Free withdrawal of 10% per year (usually) for emergencies
- Locked-in rate for the term — if rates rise after you buy, you're stuck at the lower rate
- IRS 10% penalty on gain portion if withdrawn before age 59½

The only "fee" is built into the contract — no separate annual fee.

Quick MYGA FAQ

Q: Is a MYGA safer than a CD?
A: Both are safe at the retail level. CDs are FDIC-insured (federal); MYGAs are state guaranty fund covered (state). Coverage limits are similar (~$250K).

Q: What happens at maturity?
A: You typically have 30 days to elect: renew at the carrier's then-current rate, withdraw cash, transfer (§1035) to a different annuity, or annuitize for lifetime income. Don't miss the window — many carriers auto-renew if you don't elect.

Q: Can I §1035 exchange to a different MYGA at maturity?
A: Yes — tax-free direct transfer to a new annuity, including a different carrier offering better rates.

Q: What about MVA (Market Value Adjustment)?
A: Some MYGAs have MVA. If you surrender early when rates have RISEN, MVA reduces your surrender value further. If rates have FALLEN, MVA can increase it.

Q: Should I ladder MYGAs?
A: For larger purchases, yes. Splitting across 3-year, 5-year, 7-year locks in rates at multiple maturity dates and gives flexibility to capture future rate moves.

Q: How is MYGA interest taxed?
A: Inside the contract: tax-deferred. At withdrawal (non-qualified): only the gain is taxable as ordinary income. Inside an IRA: standard IRA rules apply.

Q: Can I lose money on a MYGA?
A: Not from market loss (no market exposure). You CAN lose money from early surrender charges + MVA. Stay to maturity = guaranteed return.

Q: Is the rate locked for the full term?
A: Yes. Some MYGAs have a "1-year rate" then "renewal rate" structure — be sure you understand whether the full term is at one rate or steps down.

Plain English glossary

(See full FIA glossary.)

Real-world stories: who fits, who got burned

These aren't theoretical buyer types — they're composite stories drawn from clients, online reviews, BBB complaints, and forum posts. Names are real first names, locations approximate; details preserved.

👍 Good fit — Joseph, 70, Boston MA

Joseph wanted the absolute highest carrier rating (A++) for his $200K, even at a slightly lower rate. MassMutual Stable Voyage 5-year at 2.45% gave him the rate certainty + the highest possible carrier rating. He's two years in, contract is performing exactly as expected. Joseph values certainty over yield optimization. MassMutual delivers.

😡 Burned — Carla, 65, San Antonio TX (forum)

Carla bought MassMutual MYGA at 2.45% then watched MYGA rates climb to 5.5% at higher-rated competitors 6 months later. She felt she'd locked in too low. Truth: MYGA rate movements are unpredictable; she bought the carrier rating not the rate. If max yield is the goal, you have to be willing to step down to A or A- carriers. Carla wanted A++ AND max rate which the market doesn't offer together.

The pattern: MassMutual Stable Voyage MYGA is a good product for the right buyer (typically a buyer whose horizon and liquidity needs match the product's actual structure) and a disaster for the wrong buyer (typically a buyer whose horizon, liquidity needs, or product-type expectations didn't match what the contract actually does). The product isn't the problem — buyer/product mismatch is.

Who Stable Voyage actually fits

• Ultra-conservative buyer placing $200K+ who specifically wants A++ carrier strength
• Institutional or financial-professional buyer with strong MassMutual relationship
• Buyer for whom rate is genuinely secondary to brand
• Buyer with hard rule: "A++ only"

Who should look elsewhere

• Want higher MYGA rates → Wichita National Security 5 (6.25% 5-year), Farmers Life Safeguard Plus 10 (6.05% 10-year), American Gulf Anchor MYGA 6 (6.00% 6-year) — all A-rated
• Want index-linked upside → any of the FIAs in this review series (Athene PEC 15, NA Charter Plus, SILAC Denali, F&G Prosperity Elite, Oceanview Harbourview, etc.)
• Want bigger bonus or higher cap → NA Charter Plus 14 (19% bonus, A+), American National Smart Start (20%), SILAC Denali 14 (10.25% cap), F&G Prosperity Elite 14 (8.50% cap, A), Prudential SurePath (9.25%+ cap, A+)

How to pressure-test what your agent told you

1. "What's MassMutual's 2.45% rate vs. Wichita National's 6.25% on the same premium over 5 years — in dollars?"
2. "What's MassMutual's rate floor and ceiling? When does the rate redetermine?"
3. "Why MassMutual specifically vs. any A-rated MYGA at 2x the rate?"
4. "Is rate or brand more important to me in this decision?"
5. "What's my state guaranty fund limit, and is my premium under it?"

📩 Get a second opinion before you sign — this is a big decision

Talk to a licensed annuity expert. Hans.

For most buyers, MassMutual Stable Voyage isn't the optimal MYGA — but for some specific buyers, it's exactly right. Let me find out which case applies to you, and run side-by-side numbers.

📞 Hans Goldstein · 213-414-2808 · NPN 20602398, appointed with 20+ carriers

By submitting, you agree to receive calls and texts from Hans Goldstein. Msg/data rates apply. Reply STOP to opt out. Privacy Policy.

📩 Get a second opinion before you sign — this is a big decision

Talk to a licensed independent expert. Hans.

MYGAs lock in your rate for the full term. Before you commit, is this carrier's rate actually competitive vs. the full market? Is the rating tradeoff worth it? Before signing, get an independent review of the rate, surrender schedule, and carrier strength.

Drop your info — within 24 hours, you'll get a written independent review of your quote, side-by-side comparisons vs. 2 alternatives, and a no-pressure 15-minute call if you want one.

First name

Phone *

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Which annuity were you quoted?

Quote amount ($)

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📞 Get my free second-opinion review

📞 Hans Goldstein · 213-414-2808 · NPN 20602398, independent licensed insurance producer appointed with multiple A-rated carriers

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Disclosure

This review reflects publicly available product materials and approximate rates as of the date stated above. Annuity rates, caps, participation rates, payout factors, crediting methods, and long-term care benefit structures change frequently — typically monthly. Always confirm current values against the most recent carrier disclosure document and the actual contract before purchasing. This article is general information for educational purposes; it is not a personalized recommendation, solicitation, or offer of any specific product. Hans Goldstein is an independent licensed insurance producer (NPN 20602398) appointed with multiple A-rated carriers across the annuity and long-term care insurance market; the producer's specific appointment status with the carrier discussed in this review may vary, and this review is not an endorsement or representation of carrier appointment. No compensation has been received from any carrier in connection with the publication of this review. Always read the actual contract and consult a licensed advisor before purchasing any annuity or long-term care insurance product. Past index performance does not predict future credited interest. Annuities and hybrid life+LTC policies are long-term contracts with surrender charges; they are not suitable for funds you may need before the end of the surrender period. AM Best ratings and tax treatment are subject to change. Tax discussion of IRC §7702B, §1035, and the Pension Protection Act of 2006 reflects law as of 2026 and is subject to change.