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Best Guaranteed Annuity Rates
2-Year
5.70%
3-Year
6.25%
5-Year
6.25%
7-Year
6.00%
10-Year
5.80%

Index Summit 6

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Highlights

Index Summit 6 annuity is an individual deferred indexed annuity contract that may help you accumulate retirement savings.

Payout Options 
  • Fixed period payout
  • Life payout
  • Life payout with payments for at least a fixed period
  • Joint and one-half survivor payout
State Limitations.
In some states, our ability to waive fees or charges may be limited by applicable laws, regulations, or administrative positions.

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, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY
Type
Registered Index-Linked
Purpose Accumulation
Term
6 Years
Surrender schedule
8%7%6%5%4%3%
Free withdrawal
10%
Market value adjustment
Return of premium
Launch date
05/01/2019
Minimum contribution
$25,000
Maximum contribution
$1,000,000
Max Age Qualified
80
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

Find out if the Index Summit 6 is the right product for you.

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Premium Notes

Purchase Payments and Issue Age
The Contract is a modified single premium annuity. This means we will accept Purchase Payments only during the purchase payment period, which ends two months after the Contract Effective Date. The initial Purchase Payment must be at least $25,000. Each additional Purchase Payment must be at least $10,000. You will need our prior approval if you want to make a Purchase Payment(s) of more than $1,000,000. Each Owner must be age 80 or younger on the Contract Effective Date.

Purchase Payments
Issued with single purchase payment
Subsequent purchase payments accepted in first two contract months.
MassMutual Ascend only allows additional premiums to be added as a Lump Sum, Periodic Payments are not allowed.

Issue Ages
Qualified 0-80
Non-qualified 0-80
Inherited IRA 0-75
Inherited non-qualified 0-75

Withdrawal Provisions

Free Withdrawal Allowance 
  • During the first contract year, 10% of purchase payments may be withdrawn without an early withdrawal charge.
  • After the first contract year, 10% of the account value as of the most recent contract anniversary may be withdrawn without an early withdrawal charge

Allocation Accounts

Name Type Rates
1-Year Fixed Account
Fixed
3% Fixed
1-Year S&P 500 PTP Cap (Limited States)
Point to Point
Annual
4.75% Cap
1-Year First Trust Barclays Edge PTP Participation Rate with 10% Buffer (Limited States)
Point to Point
Annual
95% Participation
1-Year First Trust Barclays Edge PTP Participation Rate with 50% Downside Participation Rate (Limited States)
Point to Point
Annual
120% Participation
1-Year SPDR Gold Shares ETF PTP Cap with -10% Floor (Limited States)
Point to Point
Annual
13% Cap
1-Year iShares US Real Estate ETF PTP Cap with -10% Floor (Limited States)
Point to Point
Annual
12% Cap
1-Year iShares MSCI EAFE ETF PTP Cap with -10% Floor (Limited States)
Point to Point
Annual
9.5% Cap
1-Year S&P 500 PTP Cap with 10% Buffer (Limited States)
Point to Point
Annual
11.5% Cap
1-Year S&P 500 PTP Cap with -10% Floor (Limited States)
Point to Point
Annual
9.75% Cap
6-Year S&P 500 PTP Participation Rate with 10% Buffer (Limited States)
Point to Point
6-Year
100% Participation
1-Year iShares US Real Estate ETF PTP Participation Rate with 50% Downside Participation Rate
Point to Point
Annual
60% Participation
1-Year iShares MSCI EAFE ETF PTP Participation Rate with 50% Downside Participation Rate
Point to Point
Annual
68% Participation
1-Year S&P 500 PTP Participation Rate with 50% Downside Participation Rate
Point to Point
Annual
61% Participation
2-Year S&P 500 PTP Cap with 50% Downside Participation Rate
Point to Point
Biennial
19% Cap
2-Year S&P 500 PTP Participation Rate with 50% Downside Participation Rate
Point to Point
Biennial
70% Participation
1-Year S&P 500 PTP Cap with 50% Downside Participation Rate
Point to Point
Annual
10.5% Cap
1-Year Fixed Account
Fixed
3.05% Fixed
1-Year First Trust Barclays Edge PTP Participation Rate with 10% Buffer (Limited States)
Point to Point
Annual
100% Participation
2-Year S&P 500 PTP Cap with 50% Downside Participation Rate
Point to Point
Biennial
20% Cap
1-Year First Trust Barclays Edge PTP Participation Rate with 50% Downside Participation Rate (Limited States)
Point to Point
Annual
125% Participation
2-Year S&P 500 PTP Participation Rate with 50% Downside Participation Rate
Point to Point
Biennial
75% Participation
1-Year SPDR Gold Shares ETF PTP Cap with -10% Floor (Limited States)
Point to Point
Annual
14% Cap
1-Year S&P 500 PTP Cap with 50% Downside Participation Rate
Point to Point
Annual
11% Cap
1-Year iShares US Real Estate ETF PTP Cap with -10% Floor (Limited States)
Point to Point
Annual
12.5% Cap
1-Year S&P 500 PTP Participation Rate with 50% Downside Participation Rate
Point to Point
Annual
66% Participation
1-Year iShares MSCI EAFE ETF PTP Cap with -10% Floor (Limited States)
Point to Point
Annual
10% Cap
1-Year iShares MSCI EAFE ETF PTP Participation Rate with 50% Downside Participation Rate
Point to Point
Annual
73% Participation
1-Year S&P 500 PTP Cap with 10% Buffer (Limited States)
Point to Point
Annual
12% Cap
1-Year iShares US Real Estate ETF PTP Participation Rate with 50% Downside Participation Rate
Point to Point
Annual
65% Participation
1-Year S&P 500 PTP Cap with -10% Floor (Limited States)
Point to Point
Annual
10% Cap
1-Year S&P 500 PTP Cap (Limited States)
Point to Point
Annual
5% Cap
6-Year S&P 500 PTP Participation Rate with 10% Buffer (Limited States)
Point to Point
6-Year
105% Participation
1-Year S&P 500 Dual Performance Trigger with 10% Buffer (Limited States)
Dual Step Up
Annual
6.75% Performance triggered
1-Year S&P 500 PTP Cap with 20% Buffer (Limited States)
Point to Point
Annual
9% Cap
3-Year S&P 500 PTP Participation Rate with 10% Buffer (Limited States)
Point to Point
Triennial
90% Participation
3-Year S&P 500 PTP Participation Rate with 20% Buffer (Limited States)
Point to Point
Triennial
85% Participation
6-Year Russell 2000 PTP Participation Rate with 20% Buffer (Limited States)
Point to Point
6-Year
85% Participation
6-Year S&P 500 PTP Participation Rate with 20% Buffer (Limited States)
Point to Point
6-Year
85% Participation
6-Year Russell 2000 PTP Participation Rate with 10% Buffer (Limited States)
Point to Point
6-Year
95% Participation
1-Year S&P 500 Performance Trigger with 10% Buffer (Limited States)
Performance Triggered
Annual
9% Performance triggered
1-Year S&P 500 Performance Trigger with 20% Buffer (Limited States)
Performance Triggered
Annual
7.5% Performance triggered
1-Year S&P 500 Dual Performance Trigger with 10% Buffer (Limited States)
Dual Step Up
Annual
7% Performance triggered
6-Year S&P 500 PTP Participation Rate with 20% Buffer (Limited States)
Point to Point
6-Year
90% Participation
1-Year S&P 500 PTP Cap with 20% Buffer (Limited States)
Point to Point
Annual
9.5% Cap
6-Year Russell 2000 PTP Participation Rate with 10% Buffer (Limited States)
Point to Point
6-Year
100% Participation
3-Year S&P 500 PTP Participation Rate with 10% Buffer (Limited States)
Point to Point
Triennial
95% Participation
6-Year Russell 2000 PTP Participation Rate with 20% Buffer (Limited States)
Point to Point
6-Year
90% Participation
3-Year S&P 500 PTP Participation Rate with 20% Buffer (Limited States)
Point to Point
Triennial
86% Participation
1-Year S&P 500 Performance Trigger with 10% Buffer (Limited States)
Performance Triggered
Annual
9.25% Performance triggered
1-Year S&P 500 Performance Trigger with 20% Buffer (Limited States)
Performance Triggered
Annual
7.75% Performance triggered

Surrender schedule

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

Riders

No Riders for Index Summit 6 annuity.

Waivers

Terminal Illness

Unavailable in states: MA

We will waive the Early Withdrawal Charge that would otherwise apply if you make a Request in Good Order and: your Contract is modified by the Waiver of Early Withdrawal Charges upon Terminal Illness Rider; you are diagnosed with a terminal illness by a physician and, as a result of the terminal illness, you have a life expectancy of less than 12 months from the date of diagnosis; and the diagnosis is rendered by a physician more than one year after the Contract Effective Date. You must provide us with satisfactory proof that you meet these conditions before the date of the withdrawal or Surrender. There is no charge for this rider, but it may not be available in all states. Before you request a waiver, carefully review the rider to ensure that you understand how it works. (Rider form R1462416NW-Waiver of Early Withdrawal Charges Upon Terminal Illness Rider).

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 may be waived on withdrawals up to a full surrender. The nursing home waiver does not include home health care.

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