annuity-educator-logo
Best Guaranteed Annuity Rates
2-Year
5.55%
3-Year
6.25%
5-Year
6.50%
7-Year
5.85%
10-Year
5.80%

American Landmark 3 MVA

Get an annuity today!
Learn how an annuity can provide guaranteed income for life.

Highlights

American Landmark 3 is a fixed-indexed annuity, offers multiple indexed strategies, accepts additional purchase payments during the first two contract months, and features early withdrawal charges and market value adjustments that end after three years.

Maximum: $500,000 issue ages 86+ 

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, 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, RI, SC, SD, TN, TX, VT, VA, WA, WV, WI, and WY
Type
Fixed Index
Purpose Accumulation
Term
3 Years
Surrender schedule
9%8%7%
Free withdrawal
10%
Market value adjustment
Return of premium
Launch date
04/22/2019
Minimum contribution
$50,000
Maximum contribution
$1,000,000
Max Age Qualified
90
Types of funds
Non-Qualified, IRA, IRA Rollover, IRA Transfer, TSA 403b, SEP IRA, IRA-Roth, SIMPLE IRA, and NQ Stretch
Brochure
Open brochure

Find out if the American Landmark 3 MVA is the right product for you.

Premium Notes

Issue ages
0–90 (qualified); 
0–90 (non-qualified); 
0–75 (inherited IRA); 
0-75 (inherited non-qualified) 
Issue age is the owner’s age at last birthday. For joint owners, the oldest age will be used as the issue age. If the owner is a non-natural person, the age of the eldest annuitant will be treated as the age of the owner for all purposes under this contract. 
MassMutual Ascend only allows additional premiums to be added as a Lump Sum, Periodic Payments are not allowed.

Withdrawal Provisions

Penalty-free withdrawals
  • During first contract year, 10% of purchase payments.
  • After first contract anniversary, 10% of the account value as of the most recent contract anniversary.

Allocation Accounts

Name Type Rates
1-Year Fixed Account
Fixed
3.7% Fixed
1-Year S&P 500 PTP Cap
Point to Point
Annual
8.25% Cap
1-Year iShares MSCI EAFE ETF PTP Cap
Point to Point
Annual
8% Cap
1-Year iShares U.S. Real Estate PTP Cap
Point to Point
Annual
8% Cap
1-Year Fixed Account
Fixed
3.8% Fixed
1-Year iShares U.S. Real Estate PTP Cap
Point to Point
Annual
8.25% Cap
1-Year iShares MSCI EAFE ETF PTP Cap
Point to Point
Annual
8.5% Cap
1-Year S&P 500 PTP Cap
Point to Point
Annual
8.5% Cap
1-Year First Trust Barclays Edge PTP Participation Rate
Point to Point
Annual
140% Participation
1-Year First Trust Barclays Edge PTP Participation Rate (3-Year Lock)
Point to Point
Annual
140% Participation
1-Year First Trust Barclays Edge PTP Participation Rate
Point to Point
Annual
145% Participation
1-Year First Trust Barclays Edge PTP Participation Rate (3-Year Lock)
Point to Point
Annual
145% Participation

Surrender schedule

Year 1 2 3
Penalty 9% 8% 7%

Riders

No Riders for American Landmark 3 MVA annuity.

Waivers

Nursing Home

Available

Terminal Illness

Unavailable in states: MA

Provided that the diagnosis is rendered more than one year after the contract effective date, up to 100% of the account value can be withdrawn without deduction of an early withdrawal charge or MVA if the owner or joint owner is diagnosed by a physician as having a terminal illness with a prognosis of 12 months or less. This waiver may be used only once.

Extended Care

Unavailable in states: MA

To help ease the strain of certain unforeseen events, an extended care waiver is available for no additional charge. If the owner is confined to a nursing home or other long-term care facility after the completion of the first contract year for at least 90 consecutive days, early withdrawal charges and MVAs may be waived on withdrawals up to a full surrender. The nursing home waiver does not include home health care.

Ready to Protect Your Financial Future?

Request a free quote or talk to our financial expert to get help