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Fixed Indexed Annuity

Index Protector 7

MassMutual Ascend Life Insurance Company

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10%

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 Index Protector 7 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
$314,889
Est. value at age 80 (Index Protector 7)
0%
Floor — index losses never reduce value
Index Protector 7
✦
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 Index Protector 7's published cap rate (16% on iShares US Real Estate ETF) 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.

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See how Index Protector 7 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 Index Protector 7

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.

GLWB lifetime withdrawal rate

4.5% lifetime payout + 8% roll-up

A seven-year income-rider fixed indexed annuity from a dual-agency-rated US carrier, with an optional IncomeDefender GLWB rider publishing a contractually guaranteed lifetime withdrawal rate scaling by age and deferral, alongside an account-value menu of S&P 500 cap, volatility-controlled, and international named-ETF strategies.

0.85% annual rider feeAdvisorWorld + CANNEX data

Best fit

Income-focused buyers who want a contractually guaranteed lifetime withdrawal rate from a GLWB rider attached to a seven-year FIA chassis from a dual-agency-rated carrier, who expect to actually elect income later, and who accept an ongoing rider fee in exchange for the lifetime-payout guarantee.

AM Best

A++ Superior

Surrender period

7 years

Free withdrawal

10%/yr

Availability

50 jurisdictions (excl. New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

9.5% cap rate

1-year term · 7-year surrender · Up to $250,000

Rate varies by premium band.

S&P 500

S&P 500 Index

9.75% cap rate

1-year term · Surrender term not shown · Up to $250,000

Rate varies by premium band.

S&P 500

S&P 500 Index

8.25% cap rate

7-year term · 7-year surrender · Up to $250,000

Rate varies by premium band.

S&P 500

S&P 500 Index

9% cap rate

7-year term · Surrender term not shown · Up to $250,000

Rate varies by premium band.

Fixed Account

Fixed Account

5.05% declared rate

1-year term · 7-year surrender · Up to $250,000

Rate varies by premium band.

Fixed Account

Fixed Account

5.3% declared rate

1-year term · Surrender term not shown · Up to $250,000

Rate varies by premium band.

+ 24 additional crediting options (S&P 500, iShares US, S&P U.S....)
View rate listings (36 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.

Par: 80% · 1-yr

S&P 500 Average Daily Risk Control Price Return Index

participation

7-yr surrender$250,000+

Par: 75% · 1-yr

S&P U.S. Retiree Spending Total Return Index

participation

7-yr surrender$250,000+

Cap: 15% · 1-yr

iShares US Real Estate ETF

cap

7-yr surrender$250,000+

Cap: 14.5% · 1-yr

First Trust Barclays Edge Index

cap

7-yr surrender$250,000+

Cap: 12.25% · 1-yr

iShares MSCI EAFE ETF

cap

7-yr surrender$250,000+

Cap: 9.75% · 1-yr

S&P 500 Index

cap

7-yr surrender$250,000+

Fixed: 5.15% · 1-yr

Fixed Account

fixed

7-yr surrender$250,000+

Cap: 14.25% · 7-yr

First Trust Barclays Edge Index

Locked Cap Strategy · cap

7-yr surrender$250,000+

Cap: 8.75% · 7-yr

S&P 500 Index

Locked Cap Strategy · cap

7-yr surrender$250,000+

Par: 75% · 1-yr

S&P 500 Average Daily Risk Control Price Return Index

participation

7-yr surrenderUp to $249,999.99

Par: 70% · 1-yr

S&P U.S. Retiree Spending Total Return Index

participation

7-yr surrenderUp to $249,999.99

Cap: 14.5% · 1-yr

iShares US Real Estate ETF

cap

7-yr surrenderUp to $249,999.99

Cap: 14% · 1-yr

First Trust Barclays Edge Index

cap

7-yr surrenderUp to $249,999.99

Cap: 12% · 1-yr

iShares MSCI EAFE ETF

cap

7-yr surrenderUp to $249,999.99

Cap: 9.5% · 1-yr

S&P 500 Index

cap

7-yr surrenderUp to $249,999.99

Fixed: 5.05% · 1-yr

Fixed Account

fixed

7-yr surrenderUp to $249,999.99

Cap: 13.75% · 7-yr

First Trust Barclays Edge Index

Locked Cap Strategy · cap

7-yr surrenderUp to $249,999.99

Cap: 8.25% · 7-yr

S&P 500 Index

Locked Cap Strategy · cap

7-yr surrenderUp to $249,999.99

Par: 85% · 1-yr

S&P 500 Average Daily Risk Control Price Return Index

PP

$250,000+

Par: 85% · 1-yr

S&P U.S. Retiree Spending Total Return Index

PP

$250,000+

Cap: 16% · 1-yr

iShares US Real Estate ETF

PP

$250,000+

Cap: 12.5% · 1-yr

iShares MSCI EAFE ETF

PP

$250,000+

Cap: 10% · 1-yr

S&P 500 Index

PP

$250,000+

Fixed: 5.4% · 1-yr

Fixed Account

FX

$250,000+

Cap: 15% · 1-yr

First Trust Barclays Edge Index

PP

$250,000+

Cap: 9.5% · 7-yr

S&P 500 Index

Locked Cap Strategy · PP

$250,000+

Cap: 14.75% · 7-yr

First Trust Barclays Edge Index

Locked Cap Strategy · PP

$250,000+

Par: 80% · 1-yr

S&P 500 Average Daily Risk Control Price Return Index

PP

Up to $249,999.99

Par: 80% · 1-yr

S&P U.S. Retiree Spending Total Return Index

PP

Up to $249,999.99

Cap: 15% · 1-yr

iShares US Real Estate ETF

PP

Up to $249,999.99

Cap: 12.25% · 1-yr

iShares MSCI EAFE ETF

PP

Up to $249,999.99

Cap: 9.75% · 1-yr

S&P 500 Index

PP

Up to $249,999.99

Fixed: 5.3% · 1-yr

Fixed Account

FX

Up to $249,999.99

Cap: 14.25% · 1-yr

First Trust Barclays Edge Index

PP

Up to $249,999.99

Cap: 9% · 7-yr

S&P 500 Index

Locked Cap Strategy · PP

Up to $249,999.99

Cap: 14% · 7-yr

First Trust Barclays Edge Index

Locked Cap Strategy · PP

Up to $249,999.99

Lifetime Income Riders

Income rider

IncomeDefender

Lifetime payout rate4.5% lifetime payout
Annual rider fee0.85% annual rider fee
Guaranteed roll-up8%/yr

Product analyst notes

How to think about this contract

Why it can stand out

  • Carries the IncomeDefender GLWB rider, an optional lifetime-income rider with a contractually guaranteed withdrawal rate that scales by age and deferral years — a different rider family from the IncomeSecure rider on American Legend 7 / AssuranceSelect 7 Plus in this carrier's lineup, so buyers comparing income FIAs at this carrier should compare both rider designs.
  • A.M. Best Superior plus Standard & Poor's Strong — dual-agency financial-strength corroboration behind a seven-year income-rider FIA, rather than a single-source view.
  • Crediting menu pairs a recognizable S&P 500 annual point-to-point cap with volatility-controlled indexes (S&P 500 Average Daily Risk Control, S&P U.S. Retiree Spending) and an iShares MSCI EAFE international option on the account-value side, so buyers can choose between like-for-like S&P comparison and alternative crediting mechanics for the underlying account value that backs rider charges.
  • Seven-year declining surrender ladder steps down materially each year — a buyer needing partial liquidity in the back half of the contract beyond the free-withdrawal allowance faces a smaller charge than in years one through three.

What to confirm

  • The IncomeDefender rider carries an ongoing rider fee deducted from the account value. A buyer who never turns income on still pays the rider fee for as long as the rider is attached — the lifetime-income story only delivers value if the buyer expects to actually elect income later.
  • Rider rates scale by deferral years and issue age — the figure in the headline reflects the highest currently published variant on this filing and is not a contractual promise of what a specific buyer at a specific age will receive.
  • The First Trust Barclays Edge Index and other proprietary participation-rate strategies on the account-value menu are not directly comparable to an S&P 500 cap — evaluate each on its own back-tested behavior, not on a side-by-side rate read.
  • This is the no-MVA seven-year filing; the related Index Protector 5 MVA accepts an MVA mechanic in exchange for a higher published cap on its account-value crediting. The two products are not the same — confirm which version your application is for before electing the rider.

Not ideal for

Accumulation-focused buyers who would rather skip the rider fee and let the account value grow on the cap alone — the shorter Index Protector 4 or the MVA-bearing Index Protector 5 MVA ship without an income rider — buyers who want a shorter surrender, or buyers who prefer a MYGA-style declared rate with no rider mechanics.

Free Comparison Report

Get a Index Protector 7 rate report

See how Index Protector 7 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 (36 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.

Par: 80% · 1-yr

S&P 500 Average Daily Risk Control Price Return Index

participation

7-yr surrender$250,000+

Par: 75% · 1-yr

S&P U.S. Retiree Spending Total Return Index

participation

7-yr surrender$250,000+

Cap: 15% · 1-yr

iShares US Real Estate ETF

cap

7-yr surrender$250,000+

Cap: 14.5% · 1-yr

First Trust Barclays Edge Index

cap

7-yr surrender$250,000+

Cap: 12.25% · 1-yr

iShares MSCI EAFE ETF

cap

7-yr surrender$250,000+

Cap: 9.75% · 1-yr

S&P 500 Index

cap

7-yr surrender$250,000+

Fixed: 5.15% · 1-yr

Fixed Account

fixed

7-yr surrender$250,000+

Cap: 14.25% · 7-yr

First Trust Barclays Edge Index

Locked Cap Strategy · cap

7-yr surrender$250,000+

Cap: 8.75% · 7-yr

S&P 500 Index

Locked Cap Strategy · cap

7-yr surrender$250,000+

Par: 75% · 1-yr

S&P 500 Average Daily Risk Control Price Return Index

participation

7-yr surrenderUp to $249,999.99

Par: 70% · 1-yr

S&P U.S. Retiree Spending Total Return Index

participation

7-yr surrenderUp to $249,999.99

Cap: 14.5% · 1-yr

iShares US Real Estate ETF

cap

7-yr surrenderUp to $249,999.99

Cap: 14% · 1-yr

First Trust Barclays Edge Index

cap

7-yr surrenderUp to $249,999.99

Cap: 12% · 1-yr

iShares MSCI EAFE ETF

cap

7-yr surrenderUp to $249,999.99

Cap: 9.5% · 1-yr

S&P 500 Index

cap

7-yr surrenderUp to $249,999.99

Fixed: 5.05% · 1-yr

Fixed Account

fixed

7-yr surrenderUp to $249,999.99

Cap: 13.75% · 7-yr

First Trust Barclays Edge Index

Locked Cap Strategy · cap

7-yr surrenderUp to $249,999.99

Cap: 8.25% · 7-yr

S&P 500 Index

Locked Cap Strategy · cap

7-yr surrenderUp to $249,999.99

Par: 85% · 1-yr

S&P 500 Average Daily Risk Control Price Return Index

PP

$250,000+

Par: 85% · 1-yr

S&P U.S. Retiree Spending Total Return Index

PP

$250,000+

Cap: 16% · 1-yr

iShares US Real Estate ETF

PP

$250,000+

Cap: 12.5% · 1-yr

iShares MSCI EAFE ETF

PP

$250,000+

Cap: 10% · 1-yr

S&P 500 Index

PP

$250,000+

Fixed: 5.4% · 1-yr

Fixed Account

FX

$250,000+

Cap: 15% · 1-yr

First Trust Barclays Edge Index

PP

$250,000+

Cap: 9.5% · 7-yr

S&P 500 Index

Locked Cap Strategy · PP

$250,000+

Cap: 14.75% · 7-yr

First Trust Barclays Edge Index

Locked Cap Strategy · PP

$250,000+

Par: 80% · 1-yr

S&P 500 Average Daily Risk Control Price Return Index

PP

Up to $249,999.99

Par: 80% · 1-yr

S&P U.S. Retiree Spending Total Return Index

PP

Up to $249,999.99

Cap: 15% · 1-yr

iShares US Real Estate ETF

PP

Up to $249,999.99

Cap: 12.25% · 1-yr

iShares MSCI EAFE ETF

PP

Up to $249,999.99

Cap: 9.75% · 1-yr

S&P 500 Index

PP

Up to $249,999.99

Fixed: 5.3% · 1-yr

Fixed Account

FX

Up to $249,999.99

Cap: 14.25% · 1-yr

First Trust Barclays Edge Index

PP

Up to $249,999.99

Cap: 9% · 7-yr

S&P 500 Index

Locked Cap Strategy · PP

Up to $249,999.99

Cap: 14% · 7-yr

First Trust Barclays Edge Index

Locked Cap Strategy · PP

Up to $249,999.99

Income riders

Income rider

IncomeDefender

Lifetime withdrawal rate4.5%
Annual rider fee0.85%
Withdrawal-base growth8% roll-up

GLWB

Common questions about Index Protector 7

● Can I lose money in Index Protector 7?

In a year the index falls, Index Protector 7 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.

● Is the IncomeDefender income rider worth the 0.85% fee?

It depends on whether you will use the guaranteed income. If you are accumulating only, you can skip it. If you want guaranteed lifetime income later, the 8% roll-up and 4.5% withdrawal rate can make it worthwhile — model it in the Income tab of the analyzer above.

● 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 7 years; after that you reach full liquidity. The Liquidity tab of the analyzer shows the year-by-year surrender charge.

● How does Index Protector 7 compare to other FIAs?

Use "Compare against" in the analyzer to overlay Index Protector 7 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 ROP

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

Strategy guarantee

Minimum guaranteed cap: 2.40%

Strategy guarantee

Guaranteed minimum interest rate (fixed): 2.40%

Strategy guarantee

Minimum guaranteed participation: 5.00%

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

7%

Yr 2

7%

Yr 3

7%

Yr 4

6%

Yr 5

5%

Yr 6

4%

Yr 7

3%

After

0%

Nursing home waiver, Terminal illness waiver, Surrender waivers

Documents

product guide

B1159924NW.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

Index Protector 7 currently shows 32 distinct indexed or fixed crediting choices across 36 current rate listings, including S&P 500 Index and S&P 500 Average Daily Risk Control Price Return Index, with 18 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: 9.5% cap
  • S&P 500 Index: 9.75% cap
  • S&P 500 Index: 10% cap

Income rider language

What to look for before treating the rider as income

IncomeDefender is the main income-rider entry returned for this product. Rider terms can affect the tradeoff between future lifetime withdrawals, contract value, beneficiary value, and cost, so the exact state version and rider election should be confirmed before comparing it to annuitization or income-only contracts.

  • 4.5% withdrawal rate
  • 0.85% rider fee

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
  • 7 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 B1159924NW.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 Index Protector 7 compares for your age, state, premium, and income goals alongside other MassMutual Ascend Life Insurance Company fixed indexed annuity options.

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