Annuity rate data updated daily

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

Fixed Indexed Annuity

Premier Income Bonus

MassMutual Ascend Life Insurance Company

Get my rate report

9%

Best S&P 500 Annual Cap

10%

Free W/D

49

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 Premier Income Bonus 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 (Premier Income Bonus)
9%
Best S&P 500 1-yr point-to-point cap
First Trust Barclays Edge Index — 13% 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 Premier Income Bonus's published cap rate (13% on First Trust Barclays Edge Index) 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.

Free Comparison Report

Get a Premier Income Bonus rate report

See how Premier Income Bonus 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 Premier Income Bonus

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.

GLWB lifetime withdrawal rate

4.5% lifetime payout + 6% roll-up

A seven-year income-rider fixed indexed annuity from a dual-agency-rated US carrier, with an optional GLWB rider built around a 10-year deferral story — published withdrawal-base roll-up, income-bonus credit applied to the withdrawal base, and a contractually guaranteed lifetime withdrawal rate scaling by age and deferral.

1.15% annual rider feeAdvisorWorld + CANNEX data

Best fit

Income-focused buyers who can defer at least the full rider-defined deferral window before turning income on, who want a contractually guaranteed lifetime withdrawal rate amplified by a withdrawal-base roll-up and income-bonus credit, and who accept the ongoing rider fee in exchange for the lifetime-payout guarantee.

AM Best

A++ Superior

Surrender period

7 years

Free withdrawal

10%/yr

Availability

49 jurisdictions (excl. New York, Washington)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

8.5% cap rate

Annual cap

1-year term · 7-year surrender · Up to $150,000

Rate varies by premium band.

Fixed Account

Fixed Account

4.3% declared rate

Fixed account

1-year term · 7-year surrender · Up to $150,000

Rate varies by premium band.

+ 10 additional crediting options (S&P 500, iShares US, S&P U.S....)

Lifetime Income Riders

Income rider

Premier Income Bonus Rider

Lifetime payout rate4.5% lifetime payout
Annual rider fee1.15% annual rider fee
Guaranteed roll-up6%/yr

Product analyst notes

How to think about this contract

Why it can stand out

  • Carries the Premier Income Bonus Rider, a GLWB rider with a published withdrawal-base roll-up over a 10-year deferral window and an income-bonus credit applied to the withdrawal base — the rider is built around a multi-year deferral story rather than turn-on-immediately income.
  • 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 US Real Estate ETF option on the account-value side, so buyers can hold a like-for-like S&P comparison alongside alternative crediting mechanics that back rider charges.
  • Seven-year declining surrender ladder steps down each year — a buyer who needs 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 Premier Income Bonus 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 defer and then elect income on this rider.
  • Rider rates scale by deferral years and issue age — the figure in the headline reflects the highest currently published variant on this contract and is not a contractual promise of what a specific buyer at a specific age will receive. The 10-year deferral profile typically carries the highest rate; an immediate-income election typically carries the lowest.
  • The 'Income Bonus' in the product name is a rider-side credit on the withdrawal base, not a premium bonus on the account value. The live feed shows no premium bonus on the account-value side — buyers comparing to true premium-bonus FIAs (those with a day-one credit applied to the account value itself) should recognize the distinction.
  • The First Trust Barclays Edge Index and the volatility-controlled indexes on the account-value menu are proprietary participation-rate strategies not directly comparable to an S&P 500 cap; evaluate each on its own back-tested behavior. State availability on this contract reads slightly below the full national footprint visible on most siblings — confirm coverage in your state before applying.

Not ideal for

Accumulation-focused buyers who would rather skip the rider fee and let the account value grow on the cap alone, buyers who need immediate income with no deferral, buyers expecting a day-one premium bonus on the account-value side (this contract publishes none), or buyers who prefer a MYGA-style declared rate with no rider mechanics.

Free Comparison Report

Get a Premier Income Bonus rate report

See how Premier Income Bonus 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 (28 strategies)

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

Par: 75% · 1-yr

S&P 500 Average Daily Risk Control Price Return Index

participation

7-yr surrender$150,000+

Par: 70% · 1-yr

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

participation

7-yr surrender$150,000+

Cap: 12% · 1-yr

iShares US Real Estate ETF

cap

7-yr surrender$150,000+

Cap: 9% · 1-yr

S&P 500 Index

cap

7-yr surrender$150,000+

Fixed: 4.5% · 1-yr

Fixed Account

fixed

7-yr surrender$150,000+

Cap: 13.5% · 1-yr

First Trust Barclays Edge Index

cap

7-yr surrender$150,000+

Cap: 13.25% · 7-yr

First Trust Barclays Edge Index

Locked Cap Strategy · cap

7-yr surrender$150,000+

Par: 70% · 1-yr

S&P 500 Average Daily Risk Control Price Return Index

participation

7-yr surrenderUp to $149,999.99

Par: 65% · 1-yr

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

participation

7-yr surrenderUp to $149,999.99

Cap: 11% · 1-yr

iShares US Real Estate ETF

cap

7-yr surrenderUp to $149,999.99

Cap: 8.5% · 1-yr

S&P 500 Index

cap

7-yr surrenderUp to $149,999.99

Fixed: 4.3% · 1-yr

Fixed Account

fixed

7-yr surrenderUp to $149,999.99

Cap: 13% · 1-yr

First Trust Barclays Edge Index

cap

7-yr surrenderUp to $149,999.99

Cap: 12.75% · 7-yr

First Trust Barclays Edge Index

Locked Cap Strategy · cap

7-yr surrenderUp to $149,999.99

Par: 70% · 1-yr

S&P 500 Average Daily Risk Control Price Return Index

Point-to-point

$150,000+

Par: 65% · 1-yr

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

Point-to-point

$150,000+

Cap: 12.75% · 1-yr

First Trust Barclays Edge Index

Point-to-point

$150,000+

Cap: 11.25% · 1-yr

iShares US Real Estate ETF

Point-to-point

$150,000+

Cap: 8.65% · 1-yr

S&P 500 Index

Point-to-point

$150,000+

Fixed: 4.3% · 1-yr

Fixed Account

Fixed account

$150,000+

Cap: 12.5% · 7-yr

First Trust Barclays Edge Index

Locked Cap Strategy · Point-to-point

$150,000+

Par: 65% · 1-yr

S&P 500 Average Daily Risk Control Price Return Index

Point-to-point

Up to $149,999.99

Par: 60% · 1-yr

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

Point-to-point

Up to $149,999.99

Cap: 12.5% · 1-yr

First Trust Barclays Edge Index

Point-to-point

Up to $149,999.99

Cap: 10.75% · 1-yr

iShares US Real Estate ETF

Point-to-point

Up to $149,999.99

Cap: 8.4% · 1-yr

S&P 500 Index

Point-to-point

Up to $149,999.99

Fixed: 4.15% · 1-yr

Fixed Account

Fixed account

Up to $149,999.99

Cap: 12.25% · 7-yr

First Trust Barclays Edge Index

Locked Cap Strategy · Point-to-point

Up to $149,999.99

Income riders

Income rider

Premier Income Bonus Rider

Lifetime withdrawal rate4.5%
Annual rider fee1.15%
Guaranteed roll-up6%/yr
Deferral assumed10 years

GLWB

Linked review

Premier Income Bonus review notes

Explore MassMutual's Premier Income Bonus Annuity, offering growth, safety, and lifetime income. Make informed retirement choices.

4.5/5Read review
AnnuityRatesHQ Editorial Team

Common questions about Premier Income Bonus

● Can I lose money in Premier Income Bonus?

A negative index return by itself does not reduce the contract's account value: Premier Income Bonus 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.

● Is the Premier Income Bonus Rider income rider worth the 1.15% 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 6% 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 scheduled surrender charges run 7 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 Premier Income Bonus's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current Premier Income Bonus 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.

Fixed account guarantee

2.40%

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

6%

Yr 2

5%

Yr 3

4%

Yr 4

3%

Yr 5

3%

Yr 6

3%

Yr 7

3%

After

0%

Nursing home waiver, Terminal illness waiver, Surrender waivers

Documents

product guide

b1131518nw.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

Premier Income Bonus currently shows 27 distinct indexed or fixed crediting choices across 28 displayed rate entries, including S&P 500 Index, with 20 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: 8.5% annual cap
  • S&P 500 Index: 9% annual cap
  • S&P 500 Index: 8.4% annual point-to-point cap
  • S&P 500 Index: 8.65% annual point-to-point cap

Income rider language

What to look for before treating the rider as income

Premier Income Bonus Rider is the main income rider listed 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
  • 1.15% rider fee
  • 10 deferral years

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 b1131518nw.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 Premier Income Bonus rate report

See how Premier Income Bonus 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