SecureGain 5
MassMutual Ascend Life Insurance Company
4.45%
Best Rate
10%
Free W/D
53
States
SecureGain 5 is a fixed annuity that guarantees your interest rate for 5 years, providing predictable income and protection of principal. It's designed for investors seeking stability and guaranteed growth without market volatility.
Free Withdrawal
10%/yr
Available In
53 states
Min Premium
$10,000
Surrender
5 years
Guaranteed Rates by Term
| Term | Guaranteed Rate |
|---|---|
| 3-Year | 3.95% |
| 5-Year | 4.3% |
| 7-Year | 4.45% |
Key Features
Guaranteed Interest Rate
5-year guaranteeInterest rate is set for each purchase payment and guaranteed until the fifth contract anniversary
Minimum Purchase
$25,000Initial investment required to start the annuity
Maximum Purchase
$2 million (ages 0-75); $1 million (ages 76+)Largest single purchase allowed without special approval
Penalty-Free Withdrawals
Up to 10% annuallyAccess a portion of your money without surrender charges or market value adjustments
Early Withdrawal Charge
Starts at 8%Fee applied if you withdraw beyond penalty-free amount during initial 5-year term
Issue Ages
0-89 (qualified/non-qualified); 0-75 (inherited accounts)Age range eligible to purchase this product
Highlights
Fixed interest rates guaranteed for 5 years with no market risk to your principal
Flexible contributions with additional purchase payments accepted within first 60 days
Multiple payout options including life income, fixed period, and joint survivor choices
Waiver riders available for extended care and terminal illness that pay 100% account value
Guaranteed minimum surrender value (GMSV) of 87.5% of purchase payments plus interest
Surrender Schedule
Yr 1
9%
Yr 2
8%
Yr 3
7%
Yr 4
6%
Yr 5
5%
After
0%
Nursing home waiver, Terminal illness waiver
Best For
Conservative investors nearing or in retirement who want guaranteed income, principal protection, and predictable growth without market risk.
Consider Alternatives If
Investors who need immediate access to all their funds or who cannot afford to lock money away for 5 years due to early withdrawal penalties.
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