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
|
3.8%
Fixed
|
| 1-Year S&P 500 PTP Cap |
Point to Point
Annual
|
9%
Cap
|
| 1-Year iShares U.S. Real Estate PTP Cap |
Point to Point
Annual
|
10.5%
Cap
|
| 1-Year S&P 500 PTP Cap (5-Year Lock) |
Cap lock-in
Annual
|
7.5%
Cap
|
| 1-Year Fixed Account |
Fixed
|
3.9%
Fixed
|
| 1-Year S&P 500 PTP Cap |
Point to Point
Annual
|
9.25%
Cap
|
| 1-Year iShares U.S. Real Estate PTP Cap |
Point to Point
Annual
|
10.75%
Cap
|
| 1-Year S&P 500 PTP Cap (5-Year Lock) |
Cap lock-in
Annual
|
7.75%
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
Brochure
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