Fixed index annuity review and rates

Safe Return

The Safe Return is a modified single premium fixed-indexed annuity with the safety of a guaranteed return of premium, indexed strategies with a bailout feature and the opportunity for growth and protection. Additional premiums in the amount of $2,000 (Q) or $5,000 (NQ) or more is permitted during the first two months of the contract. 
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
3% Fixed
1-Year iShares US Real Estate PTP Cap
Point to Point
6.5% Cap
1-Year S&P 500 PTP Cap
Point to Point
5.5% Cap
1-Year S&P 500 Average DRC 10% PR PTP Participation Rate
Point to Point
45% Participation

Surrender schedule

Year 1 2 3 4 5 6 7 8 9 10
Penalty 10% 9% 8% 7% 6% 5% 4% 3% 2% 1%


Name Inbuilt Fee
IncomeSecure No 0.95% annually
Inheritance Enhancer (Age 50-75) No 1.15% annually
Inheritance Enhancer (Age 76-85) No 1.15% annually
MassMutual Ascend Life Insurance Company
Founded: 1851
A.M. Best: A+
S&P: A+
Moody's: Aa3
Carrier details
Free withdrawal
Surrender schedule
10 years
Return of premium
Market value adjustment
Minimum contribution
Types of funds
Non-Qualified, IRA, TSA 403b, SEP IRA, IRA-Roth, SIMPLE IRA, 457 plan, and NQ Stretch