Fixed index annuity review and rates

American Freedom Liberty 5 Non-MVA

The American Freedom Liberty 5 offers growth potential with indexed strategies tied to well-known indexes and complete protection against market declines.
Available in states: AL, AK, AZ, AR, CO, CT, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY

Allocation Accounts

Name Type Rates
1-Year Fixed Account
Fixed
4.15% Fixed
1-Year S&P 500 PTP Cap
Point to Point
Annual
10% Cap
1-Year iShares U.S. Real Estate PTP Cap
Point to Point
Annual
11.5% Cap
1-Year S&P 500 PTP Cap (5-Year Lock)
Point to Point
Annual
8% Cap
1-Year Fixed Account
Fixed
4.25% Fixed
1-Year S&P 500 PTP Cap
Point to Point
Annual
10.25% Cap
1-Year iShares U.S. Real Estate PTP Cap
Point to Point
Annual
11.75% Cap
1-Year S&P 500 PTP Cap (5-Year Lock)
Point to Point
Annual
8.25% Cap

Surrender schedule

Year 1 2 3 4 5
Penalty 9% 8% 7% 6% 5%
MassMutual Ascend Life Insurance Company
Founded: 1851
A.M. Best: A+
S&P: A+
Moody's: Aa3
Carrier details
Free withdrawal
10%
Surrender schedule
5 years
Return of premium
Market value adjustment
Minimum contribution
$25,000
Types of funds
Non-Qualified, IRA, TSA 403b, SEP IRA, IRA-Roth, SIMPLE IRA, 457 plan, Inherited IRA, and NQ Stretch