American Freedom Classic 7 - 2025
MassMutual Ascend Life Insurance Company
4.4%
Best Rate
10%
Free W/D
53
States
A fixed annuity that guarantees a set interest rate for 7 years, offering steady income growth with the flexibility to withdraw 10% annually penalty-free. Ideal for investors seeking safety and predictability in retirement.
Free Withdrawal
10%/yr
Available In
53 states
Min Premium
$25,000
Surrender
3 years
Guaranteed Rates by Term
| Term | Guaranteed Rate |
|---|---|
| 3-Year | 4.1% |
| 5-Year | 4.25% |
| 7-Year | 4.4% |
Key Features
Guaranteed Interest Rate
4.65% (for purchases $100k+) or 4.50% (under $100k)Your interest rate is locked in for the initial 7-year term and never drops below the minimum rate of 0.25%
Penalty-Free Withdrawals
10% annuallyYou can withdraw up to 10% of your account value each year without surrender charges
Lifetime Income Options
Available upon contract anniversaryAt any time, you can elect to receive guaranteed periodic payments for the rest of your life
Guaranteed Minimum Surrender Value
87.5% of contributions + 2.40% interestIf you surrender the contract, you're guaranteed to receive at least 87.5% of your purchase payments plus interest, less any withdrawals
Market Protection
Guaranteed growth regardless of market conditionsYour principal and interest are not affected by stock market performance or economic downturns
Highlights
Guaranteed 4.65% interest rate for 7 years (on $100k+ purchases) with no market risk
Withdraw up to 10% of your account value penalty-free each year during the initial term
Convert to lifetime income payments that continue for as long as you live
Predictable, steady growth regardless of market conditions
Surrender Schedule
Yr 1
8%
Yr 2
8%
Yr 3
7%
After
0%
Nursing home waiver, Terminal illness waiver
Best For
Conservative investors nearing or in retirement who prioritize safety and predictable income over growth and want the flexibility to access funds without penalties.
Consider Alternatives If
Investors who need frequent access to their full account value, as withdrawals beyond 10% annually incur surrender charges during the 7-year term.
Carrier Ratings
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