MassMutual Ascend Life Insurance Company

Guaranteed Interest Rate5 years

5-Year Fixed Annuity with Guaranteed Income

Minimum Purchase$50,000

Guaranteed Minimum Surrender Value87.5% GMSV

Best for: Retirees and near-retirees who want guaranteed income, predictable growth with n...

American Freedom Aspire 3

Guaranteed Interest Rate Period3 years guaranteed

Fixed Annuity with 3-Year Rate Guarantee & Penalty-Free Withdrawals

Penalty-Free WithdrawalsUp to 10% annually

Early Withdrawal Charge7% of amount withdrawn

Guaranteed Minimum Surrender Value (GMSV)87.5% of payments + interest

Best for: Conservative investors age 0-90 seeking guaranteed growth, predictable retiremen...

American Freedom Aspire 5

Guaranteed Interest Rate Period5 years guaranteed

5-Year Fixed Annuity with Guaranteed Rates

Guaranteed Minimum Surrender Value (GMSV)87.5% of premiums

Return of Premium (ROP)Available year 3+

Best for: This product is best for conservative investors nearing or in retirement who wan...

American Freedom Aspire 7

Guaranteed Interest RateGuaranteed through year 7

7-Year Fixed Annuity with Flexible Withdrawals

Free Withdrawal Allowance10% annually

Guaranteed Minimum Surrender Value (GMSV)87.5% of purchase payments

Return of Premium GuaranteeAvailable year 3+

Best for: Investors aged 0-88 seeking stable, predictable growth with controlled access to...

American Freedom Classic 3 - 2025

Guaranteed Interest Rate3-year guarantee per purchase payment

Fixed Annuity with 3-Year Rate Guarantee

Guaranteed Minimum Surrender Value (GMSV)87.5% of purchase payments

Flexible Purchase OptionsMinimum $25,000 initial; up to $2M (ages 0-75) or $1M (ages 76+)

Best for: Investors age 0-90 seeking predictable, guaranteed income for retirement who hav...

American Freedom Classic 5 - 2025

Guaranteed Interest RateGuaranteed until 5th contract anniversary

5-Year Fixed Annuity with Guaranteed Rates

Penalty-Free Withdrawals10% per year without MVA or early withdrawal charges

Waiver RidersExtended Care and Terminal Illness riders available

Flexible FundingMinimum $25,000 initial; $2,000 additional; up to $2M without approval

Best for: Conservative investors nearing or in retirement who want guaranteed income, prin...

American Freedom Classic 7 - 2025

Guaranteed Interest Rate4.65% (for purchases $100k+) or 4.50% (under $100k)

7-Year Fixed Annuity with Guaranteed 4.65% Rate

Lifetime Income OptionsAvailable upon contract anniversary

Guaranteed Minimum Surrender Value87.5% of contributions + 2.40% interest

Best for: Conservative investors nearing or in retirement who prioritize safety and predic...

American Landmark 3

Issue Ages0–90 (qualified/non-qualified); 0–75 (inherited)

Fixed-Indexed Annuity with Guaranteed Minimums & Index Growth

Guaranteed Minimum Surrender Value (GMSV)87.5% of purchase payments + minimum guaranteed interest

Index Strategy Options6 strategies available (declared rate and 5 index-linked options)

Penalty-Free Withdrawals10% annual free withdrawal; 3-year declining surrender charges at 9%

Best for: Investors age 0-90 seeking guaranteed principal protection, indexed market growt...

American Landmark 5

Interest StrategiesMultiple strategy options

Fixed Index Annuity with Choice of Strategies

Free Withdrawal Allowance10% annually

Early Withdrawal Charges9% year 1, declining to 0% year 6+

Guaranteed Minimum Surrender Value87.5% of premiums minimum

Best for: Investors seeking a balance between growth potential through indexed strategies ...

American Legend 7

Guaranteed Minimum Surrender Value (GMSV)87.5% + minimum guaranteed interest

7-Year Fixed-Indexed Annuity with Index Options & Guarantees

Seven-Year Term9% declining over 7 years

Multiple Index Strategies9 different crediting strategies available

Penalty-Free Withdrawals10% annually penalty-free

Best for: Investors age 0-85 seeking a balance between market-linked growth and principal ...

AssuranceSelect 3 Plus

Guaranteed Minimum Surrender Value (GMSV)87.5% + daily interest

Market-linked growth with guaranteed floor protection

Index-Linked Strategies6 strategy options

Penalty-Free Withdrawals10% annually free

Early Withdrawal Charges8% declining over 3 years

Best for: Investors ages 0-90 with $50,000+ to invest seeking market-linked growth with pr...

AssuranceSelect 5 Plus

Interest Strategies9 strategy options

Fixed-indexed annuity with choice of 9 index strategies & built-in waivers

Guaranteed Minimum Surrender Value (GMSV)87.5% minimum

Included Waivers100% account value

Best for: Investors aged 0-89 who want growth potential tied to market indices while maint...

AssuranceSelect 7 Plus

Index Interest StrategiesS&P 500 1-year cap, 7-year cap lock, risk control, and other specialized index options available

Index-linked growth with downside protection & flexible withdrawals

Guaranteed Minimum Surrender Value (GMSV)87.5% of purchase payments minus withdrawals plus daily interest at GMSV rate

Penalty-Free WithdrawalsFirst year: 10% of purchase payments; subsequent years: 10% of account value as of most recent anniversary

Early Withdrawal ChargesStarting at 8% in year one, declining annually through year seven

Best for: This product is best for investors age 0-85 seeking market-linked growth with do...

Index Protector 4

Guaranteed Minimum Surrender Value (GMSV)87.5% of purchase payments + interest

Index-linked growth with principal protection

Multiple Index Strategies5 index options available

Penalty-Free Withdrawals10% annual access

Extended Care Waiver100% account value

Best for: Investors age 0-90 seeking tax-deferred growth with principal protection who wan...

Index Protector 5 MVA

Interest Strategy Options5 different indexed strategies available

Fixed Indexed Annuity with Guaranteed Income & Market Upside

Free Withdrawal Allowance10% per contract year

Guaranteed Minimum Surrender Value (GMSV)87.5% of premiums (90% in Alaska & New Jersey)

Market Value Adjustment (MVA)5-year adjustment period

Best for: Conservative to moderate investors age 0–89 seeking a blend of principal protect...

Index Protector 7

Guaranteed Minimum Surrender Value (GMSV)87.5% of purchase payments

Market-linked growth with guaranteed floor protection

Seven-Year Term with Declining Charges7% declining over 7 years

Multiple Index Options8 different interest strategies available

Penalty-Free Withdrawals10% annual access penalty-free

Best for: Investors age 0-85 seeking tax-advantaged growth tied to market indexes with gua...

Premier Income Bonus

Built-In Income Rider1.15% annual charge on benefit base

Indexed Annuity with Income Rider & Growth Bonus

Income Percentages4.0% to 7.5% based on age

Interest Strategy FlexibilityMultiple options available

Downside Protection0% floor on indexed interest

Best for: Individuals aged 40-85 seeking guaranteed lifetime income, downside protection, ...

Safe Return

Interest Strategy OptionsDeclared rates guaranteed; indexed rates capped or participation-limited but never below 0%

Fixed Index Annuity with Flexibility & Guarantees

Free Withdrawal Allowance10% per contract year, non-cumulative

Guaranteed Minimum Surrender Value (GMSV)100% of premiums + minimum daily credited interest, less withdrawals and charges

Bailout Feature30-day window to withdraw without surrender charges if triggered

Best for: Individuals aged 0–85 with $25,000+ to invest who want growth potential linked t...

SecureGain 3

Guaranteed Interest Rate5-year guarantee period

Fixed annuity with 5-year rate guarantee

Minimum Purchase Payment$25,000 initial; $2,000 additional

Penalty-Free Withdrawals10% annually without penalties

Guaranteed Minimum Surrender Value87.5% of premiums plus daily GMSV interest

Best for: Conservative investors nearing or in retirement who want guaranteed growth, prin...

SecureGain 7

Guaranteed Interest Rate7 years guaranteed

7-Year Fixed Annuity with Guaranteed Rates & Principal Protection

Minimum Purchase Payment$25,000 initial; $2,000 additional within 60 days

Penalty-Free Withdrawals10% annually without penalties

Guaranteed Minimum Surrender Value87.5% of purchase payments + GMSV rate interest

Best for: Conservative investors nearing or in retirement who prioritize guaranteed income...

SecureGain 7

Interest Rate Guarantee7-year guarantee + lifetime floor

7-Year Fixed Annuity with Rate Guarantee & Flexible Access

Guaranteed Minimum Surrender Value (GMSV)87.5% minimum guarantee

Penalty-Free WithdrawalsUp to 10% annually

Early Withdrawal ChargesStarting at 8%

Best for: This product is best for conservative investors who want predictable, guaranteed...

SecureGain 7

Guaranteed Interest Rate7-year guarantee

7-Year Fixed Annuity with Guaranteed Rates

Minimum Purchase Payment$25,000 initial; $2,000 additional

Guaranteed Minimum Surrender Value87.5% of payments

Best for: Retirees and near-retirees who want guaranteed income, principal protection, and...