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Active Product: MassMutual Ascend – American Freedom Aspire (3-, 5-, and 7-year terms)
MassMutual Ascend – American Freedom Aspire (3-, 5-, and 7-year terms)
About this product
The MassMutual Ascend American Freedom Aspire series is a single-premium fixed deferred annuity offered in 3-, 5-, and 7-year guarantee periods. It provides fixed, tax-deferred interest growth and full principal protection, making it ideal for conservative savers seeking predictable accumulation over a set multi-year term. Each purchase payment receives a fixed interest rate guaranteed for the entire period selected. The product includes a built-in Return of Premium (ROP) guarantee—ensuring that, once the ROP eligibility period is met for the selected term, the owner may surrender the contract and receive no less than their total purchase payments minus withdrawals (including amounts used to pay rider charges), providing an additional layer of principal security. It also offers straightforward contract mechanics, optional renewal after each term, penalty-free withdrawal features, and available income options for long-term retirement planning.
Important Disclaimer
The results displayed here are for simulation purposes only and do not represent financial advice or real-world values. Please consult a qualified financial professional before making any investment decisions.
Available Rates
| 3 Years | 3.75% |
| 5 Years | 4.30% |
| 7 Years | 4.55% |
Available Guarantee Periods
Rates based on investment amount $100,000.00
| $25,000.00 - $99,999.00 | 3.50% |
| $100,000.00 - $1,000,000.00 | 3.75% |
Features
| Maximum Issue Age | 90 years |
Growth Projection
How your money grows
Based on your issue age (55) and target payout age (62), the following guarantee period will be applied:
| Guarantee Period | 7 years |
| Rate | 4.55% |
| Age | 55 - 62 |
Summary
| Total years to payout | 30 |
| Total guarantee periods applied | 5 |
Lifetime Income Details
Payout Options
Additional Options
Actual payout options may vary by insurance carrier and specific products. Common alternatives include:
Life Income Only
Payments for the rest of your life, stopping upon death
Period Certain
Guaranteed payments for a specific time period (5, 10, 15, or 20 years)
Life with Period Certain
Lifetime payments with a minimum guaranteed period
Joint Life
Payments continue for both you and your spouse's lifetimes
Systematic Withdrawal
Regular withdrawals of a specified amount or percentage