Index Protector 7
MassMutual
15%
Best Cap
10%
Free W/D
50
States
Index Protector 7 is a fixed-indexed annuity that links returns to market indexes while guaranteeing a minimum value, designed for investors seeking growth potential with protection who want retirement income flexibility.
Free Withdrawal
10%/yr
Available In
50 states
Min Premium
$100,000
Surrender
7 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| First Trust Barclays Edge Index | Annual | 15% | 100% | -- |
| iShares MSCI EAFE ETF | Annual | 12.5% | 100% | -- |
| iShares US Real Estate ETF | Annual | 16% | 100% | -- |
| S&P 500 Average Daily Risk Control Price Return Index | Annual | -- | 80% | -- |
| S&P 500 Index | Annual | 10% | 100% | -- |
| S&P U.S. Retiree Spending Total Return Index | Annual | -- | 70% | -- |
| Fixed Account | Daily | -- | -- | 5.4% |
Key Features
Guaranteed Minimum Surrender Value (GMSV)
87.5% of purchase paymentsYour account value is guaranteed to be worth at least 87.5% of what you invested plus daily interest, minus withdrawals and charges
Seven-Year Term with Declining Charges
7% declining over 7 yearsEarly withdrawal penalties start at 7% and decline each year, encouraging you to keep money invested
Multiple Index Options
8 different interest strategies availableChoose how your money grows from declared rates, S&P 500 strategies, real estate, international stocks, and dividend-focused indexes
Penalty-Free Withdrawals
10% annual access penalty-freeTake out 10% of your account value annually without early withdrawal charges after the first contract year
Included Protective Waivers
100% account access when criteria metIf you need extended care or face terminal illness, your full account value becomes available
Flexible Annuitization Options
3 primary payout structuresConvert to lifetime income, fixed-period payments, or joint survivor income when ready
Highlights
Flexible index-linked growth with downside protection through guaranteed minimum surrender value
Multiple interest strategy options including S&P 500, real estate, and international equity indexes
Built-in extended care and terminal illness waivers with no extra cost
Tax-qualified and non-qualified account options with inheritance IRA availability
Systematic withdrawals and multiple annuitization choices for retirement income
Surrender Schedule
Yr 1
7%
Yr 2
7%
Yr 3
7%
Yr 4
6%
Yr 5
5%
Yr 6
4%
Yr 7
3%
After
0%
Nursing home waiver, Terminal illness waiver
Best For
Investors age 0-85 seeking tax-advantaged growth tied to market indexes with guaranteed minimum protection, who want retirement income flexibility and can commit funds for 7 years.
Consider Alternatives If
Investors who need immediate access to funds without penalty, prefer direct stock ownership, or require loan features should consider other products.
Carrier Ratings
Free Comparison Report
Get a personalized Index Protector 7 illustration
See year-by-year projections for your specific age, premium, and income goals.