Premier Income Bonus
MassMutual
13.5%
Best Cap
10%
Free W/D
49
States
A fixed indexed annuity with a built-in income rider that grows your money through guaranteed and market-linked interest strategies, while providing guaranteed lifetime income when you need it.
Free Withdrawal
10%/yr
Available In
49 states
Min Premium
$10,000
Surrender
7 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| First Trust Barclays Edge Index | Annual | 13.5% | 100% | -- |
| iShares US Real Estate ETF | Annual | 12% | 100% | -- |
| S&P 500 Average Daily Risk Control Price Return Index | Annual | -- | 65% | -- |
| S&P 500 Index | Annual | 9% | 100% | -- |
| S&P U.S. Retiree Spending Total Return Index | Annual | -- | 60% | -- |
| Fixed Account | Daily | -- | -- | 4.5% |
Key Features
Built-In Income Rider
1.15% annual charge on benefit baseAutomatically included rider that grows your benefit base by 6% annually plus rollup credits during a 10-year period, allowing lifetime income withdrawals at age 55+
Income Percentages
4.0% to 7.5% based on ageMaximum annual income payment rates increase with age, from 4% at age 55 to 7.5% at age 90+ for single lifetime income
Interest Strategy Flexibility
Multiple options availableChoose between fixed declared rates or four indexed strategies tied to S&P 500, real estate, and retirement spending indexes
Downside Protection
0% floor on indexed interestIndexed strategies credit 0% minimum (no losses) and include caps or participation rates for market gains
Free Withdrawal Allowance
10% of account value per yearWithdraw up to 10% annually without early withdrawal charges while preserving income rider benefits
Guaranteed Minimum Surrender Value
87.5% of purchase paymentsYour money is protected with a guaranteed floor equal to 87.5% of purchase payments plus interest, regardless of market performance
No Sales Charges
0% up-front chargesNo up-front fees — your entire purchase payment goes to work immediately
Early Withdrawal Flexibility
6% declining to 0%Withdraw at any time before annuitization; early withdrawal charges decline from 6% in year 1 to 0% after year 8
Highlights
Built-in income rider with 6% annual bonus on purchase payments for 10 years
Flexible interest strategies including S&P 500 indexed options with no downside (0% floor)
No up-front sales charges or fees
Guaranteed Minimum Surrender Value (GMSV) protects 87.5% of purchase payments
Income payments available as early as age 55 with lifetime income guarantees
Surrender Schedule
Yr 1
6%
Yr 2
5%
Yr 3
4%
Yr 4
3%
Yr 5
3%
Yr 6
3%
Yr 7
3%
After
0%
Nursing home waiver, Terminal illness waiver
Best For
Individuals aged 40-85 seeking guaranteed lifetime income, downside protection, and market participation, particularly those with qualified retirement funds (IRAs, 403(b), 457 plans) or non-qualified savings.
Consider Alternatives If
Those needing immediate access to funds without penalty, investors seeking aggressive market exposure without caps, or anyone uncomfortable with a 10-year commitment period for optimal benefit growth.
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