Advantage 5 Advisory
MassMutual Ascend Life Insurance Company
4.85%
Best Rate
10%
Free W/D
50
States
Advantage 5 Advisory is a fixed annuity that guarantees your interest rate for 5 years, making it ideal for investors nearing or in retirement who want predictable income and protection from market downturns.
Free Withdrawal
10%/yr
Available In
50 states
Min Premium
$50,000
Surrender
5 years
Guaranteed Rates by Term
| Term | Guaranteed Rate |
|---|---|
| 5-Year | 4.85% |
Key Features
Guaranteed Interest Rate
5 yearsYour interest rate is locked in for the full 5-year initial term, protecting you from market volatility
Minimum Purchase
$50,000Low entry point for fixed annuities, accessible to many investors
Penalty-Free Withdrawals
10% annuallyAccess up to 10% of your account value each year without surrender charges or market adjustments
Guaranteed Minimum Surrender Value
87.5% GMSVIf you need to exit early, you're guaranteed to receive at least 87.5% of your deposits plus daily interest, protecting your principal
Multiple Payout Options
4 optionsChoose fixed period, lifetime, or joint survivor income — all guaranteeing payments you cannot outlive
Extended Care & Terminal Illness Riders
100% benefitAccess 100% of your account value if you need long-term care or face a terminal illness diagnosis
Qualified & Non-Qualified Eligibility
Multiple account typesWorks with IRAs, 401(k)s, 403(b)s, 457(b)s, and non-qualified accounts for flexible retirement planning
Highlights
5-year guaranteed interest rate with no market risk — your money grows at a fixed, predictable rate
Flexible withdrawal options including 10% penalty-free access each year to cover unexpected needs
Multiple income choices at retirement, including life income guarantees that can't be outlived
Accepts funds from IRAs, 401(k)s, 403(b)s, and other qualified retirement accounts
Death benefit guarantee ensures beneficiaries receive at least 87.5% of deposits plus interest
Surrender Schedule
Yr 1
9%
Yr 2
8%
Yr 3
7%
Yr 4
6%
Yr 5
5%
After
0%
Nursing home waiver, Terminal illness waiver
Best For
Retirees and near-retirees who want guaranteed income, predictable growth with no market risk, and the flexibility to access funds if needed.
Consider Alternatives If
Investors who need frequent access to all their money (the 9% surrender charge applies to amounts exceeding the 10% annual penalty-free limit) or those seeking market-level growth potential.
Carrier Ratings
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