Index Protector 4
MassMutual
10%
Best Cap
10%
Free W/D
49
States
Index Protector 4 is a fixed-indexed annuity that credits interest based on stock market index performance while protecting your principal with a guaranteed minimum value. It's designed for investors seeking growth potential with downside protection and flexible income options.
Free Withdrawal
10%/yr
Available In
49 states
Min Premium
$50,000
Surrender
4 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| iShares MSCI EAFE ETF | Annual | 10% | 100% | -- |
| iShares US Real Estate ETF | Annual | 12.5% | 100% | -- |
| S&P 500 Average Daily Risk Control Price Return Index | Annual | -- | 70% | -- |
| S&P 500 Index | Annual | 8% | 100% | -- |
| S&P U.S. Retiree Spending Total Return Index | Annual | -- | 75% | -- |
| Fixed Account | Daily | -- | -- | 4.65% |
Key Features
Guaranteed Minimum Surrender Value (GMSV)
87.5% of purchase payments + interestYour account is protected with a guaranteed minimum value equal to 87.5% of your purchase payments plus daily credited interest, even if market performance is negative.
Multiple Index Strategies
5 index options availableChoose how your money grows from five index options including S&P 500, real estate, and international stocks, each with either a participation rate or cap on gains.
Penalty-Free Withdrawals
10% annual accessAccess 10% of your account value annually without early withdrawal penalties, providing liquidity when you need it.
Extended Care Waiver
100% account valueIf you need extended care services, you can access 100% of your account value without surrender charges when criteria are met.
Flexible Payout Options
Multiple options availableChoose from fixed period income, lifetime income, or joint survivor income to match your retirement needs.
Low Early Withdrawal Charge
5.6% for 4 yearsFour-year surrender period with a straightforward 5.6% charge, allowing access after that period with no penalties.
Highlights
Fixed-indexed annuity with multiple index strategies including S&P 500, real estate, and international options
Guaranteed minimum surrender value of 87.5% of purchase payments provides downside protection
Flexible withdrawal options with 10% penalty-free access annually after first contract year
Extended Care and Terminal Illness waivers provide 100% account value access when criteria are met
Accepts both qualified (IRA, 403b, 401a) and non-qualified funds with issue ages up to 90
Surrender Schedule
Yr 1
5.6%
Yr 2
5.6%
Yr 3
5.6%
Yr 4
5.6%
After
0%
Nursing home waiver, Terminal illness waiver
Best For
Investors age 0-90 seeking tax-deferred growth with principal protection who want indexed returns and flexibility in retirement income planning.
Consider Alternatives If
Investors who need immediate access to principal without penalties or those seeking unlimited liquidity should avoid this product due to the 5.6% surrender charge.
Carrier Ratings
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