Flourish is an online platform through which investors can access financial services and products. Flourish’s offerings are provided by different entities and are subject to different terms, investor protections, and risks. Flourish Cash is offered by Flourish Financial LLC, a registered broker-dealer and FINRA member. Flourish Financial LLC is not a bank. Check the background of Flourish Financial LLC and its personnel on FINRA's BrokerCheck. Flourish Annuities refers generally to the annuity platform operated by Flourish Technologies LLC and to Flourish Insurance Agency LLC, and, where applicable, Flourish Financial LLC. Flourish Insurance Agency operates in its capacity as a licensed insurance producer with offices in Jersey City, New Jersey, and does business in California under the name Flourish Digital Insurance Agency, providing insurance services related to such platform. Variable annuities, defined in this context to include Registered Index-Linked Annuities (“RILAs”), are offered through Flourish Financial LLC. Annuities shown on the platform are sold through Flourish Annuities, and are issued by one or more licensed insurance companies. The Flourish entities mentioned above are affiliates. Flourish Cash and Flourish Annuities accounts are separate accounts and only assets in Flourish Cash accounts may be eligible for protection by the FDIC or SIPC. Please review the Legal section of our website, and the disclosures provided with each Flourish service or product for further information. If you were introduced or invited to Flourish by an investment advisor or other third party, please be aware that, unless otherwise disclosed to you, they are not affiliated with any Flourish entity. The role of the investment advisor or other firm that invited you to Flourish may vary between different Flourish services and products, as further described in your terms of service. © 2025 Flourish. All rights reserved.

∫ Flourish Annuities refers generally to the annuity platform operated by Flourish Technologies LLC and to Flourish Insurance Agency LLC, and, where applicable, Flourish Financial LLC. All Flourish entities are affiliates of each other. Flourish Insurance Agency operates in its capacity as a licensed insurance producer with offices in Jersey City, New Jersey, and does business in California under the name Flourish Digital Insurance Agency, providing insurance services related to such platform and the individual annuity contracts intended to be purchased by individual clients of registered investment advisors (“RIAs”). Variable annuities, defined in this context to include Registered Index-Linked Annuities (“RILAs”), are offered through Flourish Financial LLC, a registered broker-dealer and FINRA member. Flourish Financial LLC is not a bank.  

An annuity is an insurance contract. Variable annuities are considered securities. Securities are subject to investment risks, including possible loss of the principal invested. Annuities available on the platform are sold through Flourish Annuities and are issued by one or more licensed insurance companies. The issuing insurance company, not any Flourish company, is solely responsible for its own financial and contractual obligations. All benefits and guarantees of the annuity contract are subject to the claims paying ability of the issuing insurance company. This is not a proposal or a solicitation to purchase insurance and is for RIA use only. Flourish Annuities is not available to New York residents.

> AM Best ratings are provided on a scale from A++ (Superior), the highest rating, to D - (Poor), the lowest. Rating criteria include, among other things, financial strength, operating performance, ownership, and enterprise risk management. View AM Best’s Guide to Financial Strength Ratings for a full description of its rating scale and categories and to compare where a particular insurer's ranking falls within the total number of categories. https://www.ambest.com/ratings/guide.pdf

†† The issuing insurance company, not any Flourish company, is solely responsible for its own financial and contractual obligations. All benefits and guarantees of the annuity contract are subject to the claims paying ability of the issuing insurance company.

## MassMutual Ascend Life Insurance Company^SM (Cincinnati, Ohio) is a wholly-owned subsidiary of Massachusetts Mutual Life Insurance Company (MassMutual).

MassMutual Ascend Life Insurance Company, and Flourish Insurance Agency LLC and affiliated Flourish entities, are each wholly-owned subsidiaries of Massachusetts Mutual Life Insurance Company. MassMutual Ascend Life Insurance Company and not Massachusetts Mutual Life Insurance Company, is fully responsible for its contract obligations.

1 Products issued by MassMutual Ascend under contract form numbers: Advantage 5 Advisory: ICC21-P1151621NW, rider forms ICC20-R6032320NW and ICC20-R6032420NW (not available in Massachusetts); Index Protector 4 P1140119NW, P1140119ID and P1140119OR; Index Protector 5 MVA P1140219NW, P1140219ID and P1140219OR; Index Protector 7 P1110416NW, P1110416ID and P1110416OR; Index Achiever Advisory P1841622NW, P1841622ID and P1841622OR. Form numbers, features and availability may vary by state. This content does not apply in the state of New York.

Registered index-linked annuities can only be sold through a Broker/Dealer that is contracted with MassMutual Ascend^SM. Any sales solicitation must be accompanied or preceded by a prospectus. To obtain a copy of the prospectus, please visit MassMutualAscend.com/RILArates. Principal Underwriter/Distributor: MM Ascend Life Investor Services, LLC, member FINRA and an affiliate of MassMutual Ascend Life Insurance Company^SM.

2 $2 million for ages 0-75; $1.5 million for ages 76-80; $1 million for ages 81+.

3 $2 million for ages 0-75; $1.5 million for ages 76-80.