Annuity rate data updated daily

Rate data refreshes daily from AdvisorWorld and CANNEX carrier feeds. View current rates

Fixed Indexed Annuity

American Landmark 3

MassMutual Ascend Life Insurance Company

Get my rate report

6.5%

Best Cap

10%

Free W/D

50

Jurisdictions

Product data status: June 26, 2026

Rates, state availability, rider terms, and contract language must be confirmed with a licensed financial advisor or insurance professional before purchase. Guarantees are backed by the issuing insurer.

Model this product

See what American Landmark 3 would do for you

Set your numbers and switch between growth, income, and liquidity. Index losses credit 0% — the floor — so a down market never reduces your value.

Product analyzer
Illustrative — live CANNEX rates as of June 26, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$285,876
Est. value at age 80 (American Landmark 3)
0%
Floor — index losses never reduce value
American Landmark 3
✦
How crediting works: the cap limits positive index returns; a down year credits 0%, never a loss. A cap strategy tracks the index within its terms. What is a cap vs participation? →
Assumptions: illustrative — applies American Landmark 3's published cap rate (7.5% on MSCI EAFE Index) to a hypothetical index path (~5.4%/yr average, including down years) with a 0% floor over 20 years. Not a projection, quote, or guarantee. Live CANNEX rates as of June 26, 2026.

Free Comparison Report

Get a American Landmark 3 rate report

See how American Landmark 3 compares for your age, state, premium, and income goals alongside other MassMutual Ascend Life Insurance Company fixed indexed annuity options.

Get my rate report

Live rate data

Run live numbers for American Landmark 3

Current rates, riders, crediting strategies, state availability, and contract facts stay scoped to this MassMutual Ascend Life Insurance Company product.

Live product data

Rates as of June 26, 2026, based on the latest AdvisorWorld scan of CANNEX data.

S&P 500 annual cap rate

6.5% cap on S&P 500

A three-year, accumulation-only fixed indexed annuity from a dual-agency-rated US carrier, pairing a recognizable S&P 500 cap option with named-ETF international and real-estate strategies and an unusually short FIA surrender window.

1-year termAdvisorWorld + CANNEX data

Best fit

Accumulation-focused buyers who want a recognizable S&P 500 cap option inside an FIA chassis but do not want the seven-to-ten-year surrender horizon most FIAs require, and who are comfortable letting the carrier reset the published cap at renewal under the contract's guaranteed-minimum floor.

AM Best

A++ Superior

Surrender period

3 years

Free withdrawal

10%/yr

Availability

50 jurisdictions (excl. New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

6% cap rate

1-year term · 3-year surrender · Up to $150,000

Rate varies by premium band.

S&P 500

S&P 500 Index

6% trigger rate

1-year term · 3-year surrender · $100,000+

Rate varies by premium band.

Fixed Account

Fixed Account

3.4% declared rate

1-year term · 3-year surrender · Up to $150,000

Rate varies by premium band.

+ 8 additional crediting options (iShares US, MSCI EAFE, First Trust...)
View rate listings (14 rows)

These are the current crediting strategy listings returned for this product. Use the filters to narrow by index, term, premium band, or rate type.

Trigger: 6% · 1-yr

S&P 500 Index

trigger

3-yr surrender$100,000+

Cap: 7.5% · 1-yr

MSCI EAFE Index

cap

3-yr surrender$150,000+

Cap: 7% · 1-yr

iShares US Real Estate ETF

cap

3-yr surrender$150,000+

Cap: 6.5% · 1-yr

S&P 500 Index

cap

3-yr surrender$150,000+

Fixed: 3.5% · 1-yr

Fixed Account

fixed

3-yr surrender$150,000+

Par: 105% · 1-yr

First Trust Barclays Edge Index

participation

3-yr surrender$150,000+

Par: 110% · 3-yr

First Trust Barclays Edge Index

participation

3-yr surrender$150,000+

Cap: 6.75% · 1-yr

iShares US Real Estate ETF

cap

3-yr surrenderUp to $149,999.99

Cap: 6.75% · 1-yr

MSCI EAFE Index

cap

3-yr surrenderUp to $149,999.99

Cap: 6% · 1-yr

S&P 500 Index

cap

3-yr surrenderUp to $149,999.99

Fixed: 3.4% · 1-yr

Fixed Account

fixed

3-yr surrenderUp to $149,999.99

Par: 100% · 1-yr

First Trust Barclays Edge Index

participation

3-yr surrenderUp to $149,999.99

Par: 105% · 3-yr

First Trust Barclays Edge Index

participation

3-yr surrenderUp to $149,999.99

Trigger: 5.75% · 1-yr

S&P 500 Index

trigger

3-yr surrenderUp to $99,999.99

Product analyst notes

How to think about this contract

Why it can stand out

  • A.M. Best Superior carrier rating combined with a Standard & Poor's Strong rating from a long-established US carrier — dual-agency financial-strength corroboration rather than a single-source view, on a product with a three-year commitment.
  • Three-year surrender period is at the short end of the FIA market — most fixed indexed annuities lock principal for seven to ten years, so a buyer who wants the index-linked crediting structure of an FIA without committing to a decade-long contract has an unusually short window here.
  • Crediting menu pairs a recognizable S&P 500 annual point-to-point cap with two additional named-ETF index options (MSCI EAFE international, iShares US Real Estate), so buyers can diversify across crediting strategies inside one contract.
  • Free-withdrawal allowance, the full three-year surrender ladder, and the available waivers (nursing-home and terminal-illness) are visible on this page rather than buried in a brochure.

What to confirm

  • This is NOT a guaranteed-lifetime-withdrawal product. The live feed shows no income riders attached. A buyer who wants a contractually guaranteed lifetime payout from a GLWB needs a different contract — American Legend 7, Premier Income Bonus, or another product in the lineup with a rider.
  • Short surrender means short crediting horizon — only three contract years to ride out an index cycle before renewal. Caps and participation rates reset at the carrier's discretion at renewal under guaranteed-minimum floors that are well below current headline rates, so the published cap is not a multi-year guarantee.
  • The First Trust Barclays Edge Index strategies in the menu are proprietary, participation-rate strategies on a non-recognizable index. Their participation rates can look high in absolute terms but are not directly comparable to an S&P 500 cap — evaluate each on its own merits.
  • Free-withdrawal allowance and surrender waivers do not eliminate the surrender ladder; exits beyond the free-withdrawal percentage in the three-year window still trigger the published charges.

Not ideal for

Buyers who need a contractually guaranteed lifetime withdrawal rate from a GLWB rider, want a long surrender lock to capture a higher first-year cap, or prefer a MYGA-style declared rate without index-linked variability — none of those are what this contract is structured to deliver.

Free Comparison Report

Get a American Landmark 3 rate report

See how American Landmark 3 compares for your age, state, premium, and income goals alongside other MassMutual Ascend Life Insurance Company fixed indexed annuity options.

Get my rate report

All crediting strategies

View rate listings (14 rows)

These are the current crediting strategy listings returned for this product. Use the filters to narrow by index, term, premium band, or rate type.

Trigger: 6% · 1-yr

S&P 500 Index

trigger

3-yr surrender$100,000+

Cap: 7.5% · 1-yr

MSCI EAFE Index

cap

3-yr surrender$150,000+

Cap: 7% · 1-yr

iShares US Real Estate ETF

cap

3-yr surrender$150,000+

Cap: 6.5% · 1-yr

S&P 500 Index

cap

3-yr surrender$150,000+

Fixed: 3.5% · 1-yr

Fixed Account

fixed

3-yr surrender$150,000+

Par: 105% · 1-yr

First Trust Barclays Edge Index

participation

3-yr surrender$150,000+

Par: 110% · 3-yr

First Trust Barclays Edge Index

participation

3-yr surrender$150,000+

Cap: 6.75% · 1-yr

iShares US Real Estate ETF

cap

3-yr surrenderUp to $149,999.99

Cap: 6.75% · 1-yr

MSCI EAFE Index

cap

3-yr surrenderUp to $149,999.99

Cap: 6% · 1-yr

S&P 500 Index

cap

3-yr surrenderUp to $149,999.99

Fixed: 3.4% · 1-yr

Fixed Account

fixed

3-yr surrenderUp to $149,999.99

Par: 100% · 1-yr

First Trust Barclays Edge Index

participation

3-yr surrenderUp to $149,999.99

Par: 105% · 3-yr

First Trust Barclays Edge Index

participation

3-yr surrenderUp to $149,999.99

Trigger: 5.75% · 1-yr

S&P 500 Index

trigger

3-yr surrenderUp to $99,999.99

Income riders

Accumulation-focused — no income rider

This contract is designed for tax-deferred accumulation, not guaranteed lifetime income. No GLWB rider was returned because none is part of the contract design — compare against other accumulation FIAs on cap, participation rate, and surrender terms rather than lifetime income.

Common questions about American Landmark 3

● Can I lose money in American Landmark 3?

In a year the index falls, American Landmark 3 credits 0% — the floor — so your account value does not drop from market losses. Up to 10% of your value can be withdrawn each year without a charge; withdrawals above the penalty-free amount during the surrender period can incur a surrender charge.

● When can I access my money without a surrender charge?

Up to 10% of your account value each year is penalty-free. The surrender period runs 3 years; after that you reach full liquidity. The Liquidity tab of the analyzer shows the year-by-year surrender charge.

● How does American Landmark 3 compare to other FIAs?

Use "Compare against" in the analyzer to overlay American Landmark 3 with a competing product on the same growth path and see a side-by-side spec row. The better fit depends on your goal — accumulation, income, or liquidity — and the comparison shows where each product leads.

Key Features

Free withdrawal

10%/yr

Annual amount that may be available without surrender charges, subject to contract terms.

Surrender waivers

2

Nursing home waiver, Terminal illness waiver

Death benefit

Standard Death Benefit - GMSV

Beneficiary value depends on contract terms, withdrawals, and rider elections.

Strategy guarantee

Minimum guaranteed cap: 2.40%

Strategy guarantee

Minimum guaranteed declared rate: 2.40%

Strategy guarantee

Guaranteed minimum interest rate (fixed): 2.40%

Annuitization options

Single and joint

Contract conversion options should be confirmed before purchase.

Fund types

Non-qualified, Qualified

Availability can vary by state and product terms.

Surrender schedule

Yr 1

9%

Yr 2

8%

Yr 3

7%

After

0%

Nursing home waiver, Terminal illness waiver, Surrender waivers

Documents

product guide

B1159524NW-1.pdf

Confidence: highReviewed Apr 4, 2026

Direct link not published — request the document from the carrier.

Carrier Ratings

AM BestA++
S&PA+

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

American Landmark 3 currently shows 13 distinct indexed or fixed crediting choices across 14 current rate listings, including S&P 500 Index and Fixed Account, with 8 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, and renewal terms are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 6% cap
  • S&P 500 Index: 6.5% cap
  • S&P 500 Index: 100% participation

Liquidity terms

Why access rules deserve as much attention as rates

A fixed indexed annuity can preserve more control than an income-only contract, but access is still governed by the surrender schedule, free-withdrawal terms, and waiver language. Those details are where many product comparisons become more meaningful than a simple rate list.

  • 10%/yr free withdrawal
  • 3 surrender years
  • Nursing home waiver
  • Terminal illness waiver

Verification note

Use carrier materials as term evidence, then confirm the current version

Carrier materials such as B1159524NW-1.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 8, 2026. For the current brochure, rate sheet, or specimen contract, confirm the state-specific version with the carrier or a licensed financial professional.

  • Rates and rider terms can vary by state and issue age
  • Carrier guarantees depend on claims-paying ability
  • Current contract forms should be confirmed before purchase

Free Comparison Report

Get a American Landmark 3 rate report

See how American Landmark 3 compares for your age, state, premium, and income goals alongside other MassMutual Ascend Life Insurance Company fixed indexed annuity options.

Get my rate report

Related Resources