SecureGain 3
MassMutual
4.45%
Best Rate
10%
Free W/D
53
States
SecureGain 5 is a fixed annuity that guarantees your interest rate for 5 years, provides tax-deferred growth, and offers liquidity through penalty-free annual withdrawals. It's designed for conservative investors seeking predictable income and protection of principal.
Free Withdrawal
10%/yr
Available In
53 states
Min Premium
$10,000
Surrender
6 years
Guaranteed Rates by Term
| Term | Guaranteed Rate |
|---|---|
| 3-Year | 3.95% |
| 5-Year | 4.3% |
| 7-Year | 4.45% |
Key Features
Guaranteed Interest Rate
5-year guarantee periodInterest rate is fixed and guaranteed for the initial 5-year term, then adjusts annually but never below the annuity's minimum interest rate
Minimum Purchase Payment
$25,000 initial; $2,000 additionalStarting investment requirement for this product
Penalty-Free Withdrawals
10% annually without penaltiesYou can withdraw a portion of your account each year without early withdrawal charges or market value adjustments
Guaranteed Minimum Surrender Value
87.5% of premiums plus daily GMSV interestProtection ensuring you receive at least 87.5% of contributions plus interest if you surrender the contract
Waiver Riders Available
Extended Care and Terminal Illness ridersOptional riders that waive surrender charges under specific circumstances
Tax-Qualified Options
Multiple account types supportedEligible for multiple retirement account types including IRAs, 403(b)s, and inherited accounts
Highlights
Guaranteed interest rates for 5 years with no market risk to your principal
Flexible tax qualifications including IRAs, 403(b)s, and inherited accounts
Penalty-free withdrawals of up to 10% annually without surrender charges
Death benefit guaranteed at greater of account value or 87.5% of contributions plus interest
Surrender Schedule
Yr 1
9%
Yr 2
8%
Yr 3
7%
Yr 4
6%
Yr 5
5%
Yr 6
4%
After
0%
Nursing home waiver, Terminal illness waiver
Best For
Conservative investors nearing or in retirement who want guaranteed growth, principal protection, and the flexibility to access a portion of their savings annually without penalties.
Consider Alternatives If
Investors who may need access to more than 10% of their funds annually or who cannot commit to keeping their money invested for at least 5 years should avoid this product due to surrender charges.
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