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MassMutual Ascend## is committed to going above and beyond – so when it comes to your financial future, the impossible feels possible.
MassMutual Ascend is a leading provider of annuities and a wholly owned subsidiary of MassMutual, one of the largest life insurance companies in the U.S., founded in 1851.
As a proud subsidiary of MassMutual with more than five decades of experience, MassMutual Ascend is proud to offer customers a level of strength and stability they can count on for years to come. They take a long-term approach to managing business that is focused on delivering value to their customers while maintaining the highest level of financial strength.
MassMutual Ascend has a long history of financial strength and stability. They've received an "A" or higher rating by AM Best for more than 40 years.
Product
Rate<††
Term††
Penalty-free withdrawal††‡‡
Advantage 5 Advisory
5.15% ($250k+)
5.05% ($50k+)
5 years
Available starting in Year 1.
Regardless of market conditions, you won’t lose the money you contribute to your fixed annuity unless you take a withdrawal or surrender your annuity during its early withdrawal charge period.††
To help build your savings, your annuity’s interest rate is guaranteed over a five year period. No matter how the market performs, the value of your annuity will grow at a steady rate.††
Your annuity offers the opportunity for your money to grow tax deferred.‡‡ This means no taxes are paid until you take a withdrawal, so your money can grow at a faster rate than it would in a taxable product.††
Guaranteed periods
5 years
Issue ages
Qualified: 0-89 years
Non-qualified: 0-89 years
Inherited IRA: 0-75 years
Premium
Minimum of $50,000 and maximum of $1,000,000 - $2,000,0002
Death benefit
If the owner dies before annuitization or surrender, the beneficiaries will receive at least the full contract value, with no withdrawal charges or market value adjustment (MVA) applied.
Penalty-free amount‡‡
Before the first contract anniversary:
up to 10% of the total purchase payment may be withdrawn without incurring an MVA or early withdrawal charge.
After the first contract anniversary:
up to 10% of the account value as of the most recent contract anniversary may be withdrawn without incurring an MVA or early withdrawal charge.
Extended care waiver
After the first contract year, if the owner is confined to a nursing home or other long-term care facility for at least 90 consecutive days, up to 100% of the account value can be withdrawn without incurring early withdrawal charges and MVAs.
Terminal illness waiver
After the first contract year, if diagnosed by a physician as having a terminal illness, option to withdraw up to 100% of the account value without incurring an early withdrawal charge or MVA. 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.
Market value adjustment (MVA)
During the initial term or a renewal term, an MVA will apply if the contract is surrendered or a withdrawal above the free withdrawal allowance is taken.
Amounts withdrawn in excess of the penalty-free withdrawal allowance may be subject to early withdrawal charges and a market value adjustment.3 Withdrawal charges are shown below.
Contract year
1
2
3
4
5
6+
9%
8%
7%
6%
5%
0%
* Flourish Annuities refers generally to the annuity platform operated by Flourish Technologies LLC, where applicable, and to Flourish Insurance Agency LLC in its capacity as a licensed insurance producer providing insurance services related to such platform, and where applicable, the individual annuity contracts intended to be purchased by individual clients of registered investment advisors (“RIAs”). Flourish Insurance Agency LLC does business in California under the name Flourish Digital Insurance Agency.
An annuity is an insurance contract. Annuities shown on the platform are sold through Flourish Insurance Agency LLC, with offices in Jersey City, New Jersey, a licensed insurance producer, and are issued by one or more approved licensed life 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. Flourish Annuities is not available to New York residents.
> 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
## MassMutual Ascend Life Insurance CompanySM (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 MassMutual Life Insurance Company. MassMutual Ascend Life Insurance Company and not MassMutual Life Insurance Company, is fully responsible for its contract obligations.
†† 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.
< Rates displayed here are subject to change at any time, including a downward change.
1 Product issued by MassMutual Ascend under contract form ICC21-P1151621NW, rider forms ICC20-R6032320NW and ICC20-R6032420NW (not available in Massachusetts).
Form numbers, features and availability may vary by state. This content does not apply in the state of New York.
2 $2 million for ages 0-75; $1.5 million for ages 76-80; $1 million for ages 81+.
3 An early withdrawal charge or MVA does not apply to a withdrawal or surrender during the last 30 days of a term.
