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Best Guaranteed Annuity Rates
2-Year
5.25%
3-Year
6.25%
5-Year
6.30%
7-Year
5.80%
10-Year
5.80%

SecureGain 3

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Learn how an annuity can provide guaranteed income for life.

The SecureGain 3 annuity is intended to be a long-term product. However, Owner will have access to a portion of their money each year with penalty-free withdrawals. During the first contract year, Owner may withdraw up to 10% of your purchase payment. After the first contract year, 10% of the account value on the most recent contract anniversary may be withdrawn. It’s important to note withdrawals in excess of this amount may be subject to early withdrawal charges and a market value adjustment. Early withdrawal charges and market value adjustments end after six years. This product has two three-year terms.

For more information about submitting New Business applications, please contact the MassMutual Ascend sales desk directly at 1-888-504-7109 option 2

Issue Ages
  • Qualified 0-89
  • Non-qualified 0-89
  • Inherited IRA 0-75
  • Inherited non-qualified 0-75

Early withdrawal Charges
During the first six contract years, an early withdrawal charge starting at 9% is applied to surrenders and withdrawals that exceed the 10% penalty-free amount (except surrenders at the end of the first three-year term). All charges end after six years.

Guaranteed retirement income
With the average retirement lasting 18 years, you may worry about outliving your savings. The SecureGain 3 annuity provides the opportunity to turn the money Owner has  accumulated in their annuity into a steady stream of retirement income. Depending on which payout option they choose, income benefit payments are made for a specific number of years or for life.

Protection for your loved ones
No one likes to think about it, but part of achieving peace of mind is knowing what would happen to The owner's money if they pass away unexpectedly. With the SecureGain 3 annuity, any death benefit is paid directly to the Owner's beneficiaries, which allows them to receive their financial legacy without the cost and delays of probate.

Penalty Free Withdrawals
During the first contract year, you may withdraw up to 10% of your purchase payment. After the first contract year, 10% of the account value on the most recent contract anniversary may be withdrawn. 

  • Guaranteed Minimum Interest Rate of 1% for all contract years.  No return of premium.
  • Upon death of owner, beneficiaries receive the account value.

Traditional Fixed Annuity Interest Rates

Surrender Years First Year Yield Term Guaranteed Yield Term Current Yield
6 4% 3.5% 4%

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