Fixed index annuity review and rates

Index Protector 5 MVA

Index Protector 5 MVA is a product without early withdrawal charges. this product features a market value adjustment that end after five years.
Available in states: AL, AK, AZ, AR, CA, CO, CT, DE, 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
4.8% Fixed
5-Year Fixed Account
Fixed
4.8% Fixed
1-Year S&P 500 PTP Cap
Point to Point
Annual
12% Cap
1-Year iShares MSCI EAFE ETF PTP Cap
Point to Point
Annual
12% Cap
1-Year US Retiree Spending TR PTP Participation Rate
Point to Point
Annual
100% Participation
1-Year S&P 500 Average DRC 10% PR PTP Participation Rate
Point to Point
Annual
90% Participation
1-Year iShares US Real Estate PTP Cap
Point to Point
Annual
13% Cap
1-Year Fixed Account
Fixed
5.05% Fixed
5-Year Fixed Account
Fixed
5.05% Fixed
1-Year iShares MSCI EAFE ETF PTP Cap
Point to Point
Annual
12.25% Cap
1-Year US Retiree Spending TR PTP Participation Rate
Point to Point
Annual
105% Participation
1-Year S&P 500 Average DRC 10% PR PTP Participation Rate
Point to Point
Annual
95% Participation
1-Year S&P 500 PTP Cap
Point to Point
Annual
12.25% Cap
1-Year iShares US Real Estate PTP Cap
Point to Point
Annual
14% Cap

Surrender schedule

Year
Penalty
MassMutual Ascend Life Insurance Company
Founded: 1851
A.M. Best: A+
S&P: A+
Moody's: Aa3
Carrier details
Free withdrawal
10%
Surrender schedule
0 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