Fixed index annuity review and rates
Index Protector 4 Non-MVA
Index Protector 4 is a product with early withdrawal charges that end after four years.
Available in states:
AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, 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
|
3.95%
Fixed
|
| 1-Year S&P 500 PTP Cap |
Point to Point
Annual
|
9.25%
Cap
|
| 1-Year iShares MSCI EAFE ETF PTP Cap |
Point to Point
Annual
|
9.25%
Cap
|
| 1-Year US Retiree Spending TR PTP Participation Rate |
Point to Point
Annual
|
80%
Participation
|
| 1-Year S&P 500 Average DRC 10% PR PTP Participation Rate |
Point to Point
Annual
|
70%
Participation
|
| 1-Year iShares US Real Estate PTP Cap |
Point to Point
Annual
|
11%
Cap
|
| 1-Year Fixed Account |
Fixed
|
4.1%
Fixed
|
| 1-Year iShares MSCI EAFE ETF PTP Cap |
Point to Point
Annual
|
9.5%
Cap
|
| 1-Year US Retiree Spending TR PTP Participation Rate |
Point to Point
Annual
|
85%
Participation
|
| 1-Year S&P 500 Average DRC 10% PTP Participation Rate |
Point to Point
Annual
|
75%
Participation
|
| 1-Year S&P 500 PTP Cap |
Point to Point
Annual
|
9.5%
Cap
|
| 1-Year iShares US Real Estate PTP Cap |
Point to Point
Annual
|
11.5%
Cap
|
Surrender schedule
| Year | 1 | 2 | 3 | 4 |
|---|---|---|---|---|
| Penalty | 6% | 6% | 6% | 6% |
MassMutual Ascend Life Insurance Company
Founded:
1851
A.M. Best:
A+
S&P:
A+
Moody's:
Aa3
Brochure
Free withdrawal
10%
Surrender schedule
4 years
Return of premium
Market value adjustment
Minimum contribution
$50,000
Types of funds
Non-Qualified, IRA, 401a, TSA 403b, SEP IRA, SIMPLE IRA, 457 plan, Inherited IRA, and NQ Stretch