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Fixed Indexed Annuity

American Landmark 3

MassMutual Ascend Life Insurance Company

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6.5%

Best S&P 500 Annual Cap

10%

Free W/D

50

Available jurisdictions

Product data status: July 16, 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 July 16, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$150,842
Est. value at age 80 (American Landmark 3)
6.5%
Best S&P 500 1-yr point-to-point cap
iShares US Real Estate ETF — 6.75% Cap (Annual)
✦
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 (6.75% on iShares US Real Estate ETF) to a calibrated proprietary/volatility-controlled hypothetical index path (~1.9%/yr average, including down years) with a 0% floor over 20 years. Not a projection, quote, or guarantee. Live CANNEX rates as of July 16, 2026.

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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.

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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 July 16, 2026, from AdvisorWorld and CANNEX.

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 term3-year surrender$150,000+AdvisorWorld + 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

Annual cap

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

Performance trigger

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

Rate varies by premium band.

Fixed Account

Fixed Account

3.4% declared rate

Fixed account

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...)

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.

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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.

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All crediting strategies

View rate listings (14 strategies)

These are the current crediting strategies available 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

Accumulation profile

Accumulation-focused contract

Current CANNEX information identifies this product as tax-deferred accumulation. Compare cap, participation rate, fees, liquidity, and surrender terms; use a separate payout-focused contract when guaranteed payout mechanics are required.

Common questions about American Landmark 3

● Can I lose money in American Landmark 3?

A negative index return by itself does not reduce the contract's account value: American Landmark 3 credits 0% — the floor — for that indexed period. The account value can still decrease from applicable rider fees, Performance Rate Rider or other strategy charges, administrative charges, withdrawals, surrender charges, or other contract-specific deductions. In years with no credited interest, those deductions can reduce the account value. 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 scheduled surrender charges run 3 years; after that the surrender-charge schedule ends. Bonus vesting, market value adjustments when applicable, and other contract rules can still affect the amount available. The Liquidity tab of the analyzer shows the year-by-year surrender charge.

● How do American Landmark 3's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current American Landmark 3 strategy on the same premium, age, years, and hypothetical index path. The control labels the strategy type, rate, index, and context so caps, participation rates, triggers, spreads, and fixed-account choices are not treated as interchangeable.

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.

Cap-rate floor

2.40%

Minimum guaranteed cap for cap-based indexed strategies.

Declared-rate floor

2.40%

Minimum guaranteed declared rate for declared-rate or performance-trigger strategies.

Fixed account guarantee

0.25%

Guaranteed minimum interest rate for the fixed account.

Participation-rate floor

5.00%

Minimum guaranteed participation rate for participation-rate indexed strategies.

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 displayed rate entries, 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, renewal terms, and fee-bearing rider variants are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 6% annual cap
  • S&P 500 Index: 6.5% annual cap
  • S&P 500 Index: 100% annual participation rate
  • Fixed Account: 3.4% fixed account rate

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

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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.

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