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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 5 MVA

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Highlights

The American Landmark 5 is a single premium fixed-indexed annuity with 5 year surrender charge period and MVA provision. Purchase Payment Terms begin on the 6th and the 20th of each month. Purchase Payments received before the beginning of a term are placed in a holding account (called the Purchase Payment Account) where it will be credited interest daily until it is placed in the selected strategy.

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
5 Years
Surrender schedule
9%8%7%6%5%
Free withdrawal
10%
Market value adjustment
Return of premium
Launch date
11/27/2017
Minimum contribution
$10,000
Maximum contribution
$1,000,000
Max Age Qualified
89
Types of funds
Non-Qualified, IRA, IRA Rollover, IRA Transfer, TSA 403b, SEP IRA, IRA-Roth, and NQ Stretch
Brochure
Open brochure

Find out if the American Landmark 5 MVA is the right product for you.

Premium Notes

Issue ages
0–89 (qualified); 
0–89 (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.

Allocation Accounts

Name Type Rates
1-Year Fixed Account
Fixed
3.85% Fixed
1-Year iShares U.S. Real Estate PTP Cap
Point to Point
Annual
9.25% Cap
1-Year S&P 500 PTP Cap
Point to Point
Annual
9% Cap
1-Year S&P 500 Average DRC 10% PR PTP Participation Rate
Point to Point
Annual
60% Participation
1-Year S&P U.S. Retiree Spending TR PTP Participation Rate
Point to Point
Annual
65% Participation
1-Year S&P 500 PTP Cap (5-Year Lock)
Point to Point
Annual
9% Cap
1-Year Fixed Account
Fixed
4% Fixed
1-Year iShares U.S. Real Estate PTP Cap
Point to Point
Annual
9.5% Cap
1-Year S&P 500 PTP Cap
Point to Point
Annual
9.5% Cap
1-Year S&P 500 Average DRC 10% PR PTP Participation Rate
Point to Point
Annual
65% Participation
1-Year S&P U.S. Retiree Spending TR PTP Participation Rate
Point to Point
Annual
70% Participation
1-Year S&P 500 PTP Cap (5-Year Lock)
Point to Point
Annual
9.5% Cap
1-Year First Trust Barclays Edge PTP Cap
Point to Point
Annual
14% Cap
1-Year First Trust Barclays Edge PTP Cap (5-Year Lock)
Point to Point
Annual
13.75% Cap
1-Year First Trust Barclays Edge PTP Cap
Point to Point
Annual
14.5% Cap
1-Year First Trust Barclays Edge PTP Cap (5-Year Lock)
Point to Point
Annual
14.25% Cap

Surrender schedule

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

Riders

No Riders for American Landmark 5 MVA annuity.

Waivers

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. Not available in MA.

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.

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