American Freedom Liberty 7 MVA
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Highlights
American Freedom Liberty 7 is a fixed-indexed annuity, offers a bailout feature on indexed strategies, accepts additional purchase payments during the first 10 contract years, and features early withdrawal charges and market value adjustments that end after seven years.
For more information about submitting New Business applications, please contact the MassMutual Ascend sales desk directly at 1-888-504-7109 option 2
For more information about submitting New Business applications, please contact the MassMutual Ascend sales desk directly at 1-888-504-7109 option 2
Available in states:
AL, AK, AZ, AR, CA, 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
|
Type
|
Fixed Index
|
|---|---|
|
Term
|
7 Years |
|
Surrender schedule
|
9%8%7%6%5%4%3% |
|
Free withdrawal
|
10% |
|
Market value adjustment
|
|
|
Return of premium
|
|
|
Minimum contribution
|
$25,000 |
|
Types of funds
|
Non-Qualified, IRA, IRA Rollover, IRA Transfer, TSA 403b, SEP IRA, IRA-Roth, SIMPLE IRA, 457 plan, Inherited IRA, and NQ Stretch |
Brochure
|
Open brochure |
Allocation Accounts
| Name | Type | Rates |
|---|---|---|
| 1-Year Fixed Account |
Fixed
|
4.85%
Fixed
|
| 1-Year S&P 500 PTP Cap |
Point to Point
Annual
|
9.75%
Cap
|
| 1-Year iShares U.S. Real Estate PTP Cap |
Point to Point
Annual
|
11.5%
Cap
|
| 1-Year S&P 500 PTP Cap (7-Year Lock) |
Point to Point
Annual
|
9.75%
Cap
|
| 1-Year Fixed Account |
Fixed
|
5%
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
|
12%
Cap
|
| 1-Year S&P 500 PTP Cap (7-Year Lock) |
Point to Point
Annual
|
10.25%
Cap
|
| 1-Year iShares MSCI EAFE PTP Cap |
Point to Point
Annual
|
9.75%
Cap
|
| 1-Year First Trust Barclays Edge PTP Cap (7-Year Lock) |
Point to Point
Annual
|
14.5%
Cap
|
| 1-Year First Trust Barclays Edge PTP Cap |
Point to Point
Annual
|
14.75%
Cap
|
| 1-Year iShares MSCI EAFE PTP Cap |
Point to Point
Annual
|
10.25%
Cap
|
| 1-Year First Trust Barclays Edge PTP Cap (7-Year Lock) |
Point to Point
Annual
|
15%
Cap
|
| 1-Year First Trust Barclays Edge PTP Cap |
Point to Point
Annual
|
15.25%
Cap
|
Surrender schedule
| Year | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Penalty | 9% | 8% | 7% | 6% | 5% | 4% | 3% |
Riders
| Name | Inbuilt | Fee |
|---|---|---|
| Inheritance Enhancer (Age 50-75) | No | 1.15% annually |
| GA IncomeSecure | No | 0.95% annually |
| Inheritance Enhancer (Age 76-85) | No | 1.15% annually |