Safe Return
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Highlights
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.
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, 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
Type
|
Fixed Index
|
---|---|
Term
|
10 Years |
Surrender schedule
|
10%9%8%7%6%5%4%3%2%1% |
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, and NQ Stretch |
Brochure
|
Open brochure |
Allocation Accounts
Name | Type | Rates |
---|---|---|
1-Year Fixed Account |
Fixed
|
4.25%
Fixed
|
1-Year iShares US Real Estate PTP Cap |
Point to Point
Annual
|
9%
Cap
|
1-Year S&P 500 PTP Cap |
Point to Point
Annual
|
8%
Cap
|
1-Year S&P 500 Average DRC 10% PR PTP Participation Rate |
Point to Point
Annual
|
65%
Participation
|
1-Year First Trust Barclays Edge PTP Participation Rate |
Point to Point
Annual
|
175%
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% |
Riders
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 |