Best Guaranteed Annuity Rates

SecureGain 3

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Key Takeaways

  • SecureGain 3 provides guaranteed minimum rate of interest of 1% over two three-year terms
  • Withdrawal penalty-free up to 10% of the purchase payment during first contract year
  • Early withdrawal charges applicable with maximum rate starting at 9% for the first contract year
  • Guaranteed income with option to choose income benefit payments for a specific number of years or life
  • Beneficiaries receive account value directly, bypassing cost and delays of probate
  • In case of terminal illness, options to withdraw the full account value without incurring early withdrawal charge
Premium Type
Single Premium
Max age Qualified
Minimum Contribution
Maximum Contribution
Market value adjustment
Return of premium
Free withdrawal
Launch date
Types of funds
Non-Qualified, IRA, Spousal IRA, IRA Rollover, IRA Transfer, TSA 403b, SEP IRA, IRA-Roth, SIMPLE IRA, 457 plan, Inherited IRA, and NQ Stretch
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Pros and Cons of SecureGain 3


  • Long-term product with fixed interest rate
  • Opportunity for tax-deferred growth
  • Beneficiaries bypass probate for death benefits
  • Penalty-free withdrawals up to 10% of the purchase payment


  • Early withdrawal charges apply if withdrawal exceeds 10% limit
  • 9% early withdrawal charge in first contract year
  • Limited liquidity
  • Market Value Adjustment may lower surrender value
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 After the first contract year, 10% of the account value on the most recent contract anniversary may be withdrawn.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.

Find out if the SecureGain 3 is the right product for you.

Traditional Fixed Annuity Interest Rates

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


No Riders for SecureGain 3 annuity.


Terminal Illness

Unavailable in states: MA

After the first contract year, if you are diagnosed by a physician as having a terminal illness, you have the option to withdraw up to 100% of the account value without incurring an early withdrawal charge. A terminal illness is defined as having a prognosis of survival of 12 months or less, or a longer period as required by state law.

Surrender Window

The early withdrawal charge and the MVA will not apply if you surrender your contract during the last 30 days of the initial term.

Extended Care

Unavailable in states: MA

To help ease the strain of certain unforeseen events, an extended care waiver rider 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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