SecureGain 7
MassMutual
4.45%
Best Rate
10%
Free W/D
53
States
SecureGain 7 is a 7-year fixed annuity that provides guaranteed interest rates and principal protection through a minimum surrender value, designed for investors seeking stable income and safety over market growth.
Free Withdrawal
10%/yr
Available In
53 states
Min Premium
$10,000
Surrender
7 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
7 years guaranteedInterest rate is locked in for the full 7-year initial term and never drops below the annuity's minimum rate thereafter
Minimum Purchase Payment
$25,000 initial; $2,000 additional within 60 daysEntry point for the annuity with flexibility for additional deposits early in the contract
Penalty-Free Withdrawals
10% annually without penaltiesAccess a portion of your money without early withdrawal charges or market value adjustments each year
Guaranteed Minimum Surrender Value
87.5% of purchase payments + GMSV rate interestYour account is protected and guaranteed to be worth at least 87.5% of what you invested, plus daily interest credited
Issue Age Range
Ages 0–88 (qualified/non-qualified); 0–75 (inherited accounts)Product is available to a broad range of ages for both qualified retirement and non-qualified accounts
Multiple Payout Options
4 payout structures availableChoose how to receive your money: fixed period, life income, or joint survivor options
Optional Waiver Riders
100% account value when criteria metAdd Extended Care or Terminal Illness riders to access 100% of account value if criteria are met
Highlights
Guaranteed interest rates for 7 years with a floor rate that never drops below the annuity's minimum
Flexible penalty-free withdrawals of up to 10% annually without surrender charges
Guaranteed Minimum Surrender Value (GMSV) of 87.5% of purchase payments protects your principal
Available across multiple account types including IRAs, 403(b)s, 457(b)s, and non-qualified accounts
Optional waiver riders for Extended Care and Terminal Illness provide 100% account value access when needed
Surrender Schedule
Yr 1
9%
Yr 2
8%
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
Conservative investors nearing or in retirement who prioritize guaranteed income, principal protection, and predictable returns over market growth potential.
Consider Alternatives If
Investors who need frequent access to large amounts of cash or who expect to need their money within the first 7 years, as early withdrawals beyond the 10% annual limit incur significant charges.
Carrier Ratings
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