What is the minimum guaranteed surrender value for MassMutual Ascend – American Freedom Stars & Stripes 5 (MVA)?

American Freedom Stars & Stripes 5 (MVA) is a Single Premium Deferred Annuity (SPDA). The owner makes a one-time purchase payment (minimum $10,000) and earns a base interest rate that steps up by 0.15% each year in years 2–5 during the initial five-year term (annual increase never less than 0.01%). During the first contract year, the contract permits penalty-free withdrawals up to 10% of purchase payments; after the first contract year, up to 10% of account value (based on the most recent contract anniversary) may be withdrawn penalty-free. Withdrawals above the free amount, or full surrender, during the initial term may be subject to early withdrawal charges and a Market Value Adjustment (MVA); these end after five years.

What is the minimum premium amount for MassMutual Ascend – American Freedom Stars & Stripes 5 (MVA)?

The minimum premium amount is $10,000.

What is the maximum issue age for MassMutual Ascend – American Freedom Stars & Stripes 5 (MVA)?

The maximum issue age is 89 years.

What is the current interest rate for MassMutual Ascend – American Freedom Stars & Stripes 5 (MVA)?

The current interest rate is 3.55%.

What is the surrender charge schedule for MassMutual Ascend – American Freedom Stars & Stripes 5 (MVA)?

Withdrawals exceeding the 10% annual free-withdrawal limit, or full surrender during the initial five-year term, are subject to early withdrawal charges and may also incur an MVA. Charges decline each year and end after year five; amounts in excess withdrawals during the first five contract years can also be subject to MVA.

What are the best rates available for MassMutual Ascend – American Freedom Stars & Stripes 5 (MVA)?

The best available rate is 4.30% for a 5 year term.

MassMutual Ascend Life Insurance Company

MassMutual Ascend – American Freedom Stars & Stripes 5 (MVA)

About this product

MassMutual Ascend – American Freedom Stars & Stripes 5 (MVA) is a single-premium fixed annuity designed to deliver predictable accumulation through guaranteed escalating interest rates across an initial five-year term. The credited rate increases annually during the term, while the contract provides principal protection (subject to withdrawals), tax-deferred growth (where applicable), penalty-free access provisions, and the ability to convert values into guaranteed income through available payout options.

Available Rates

Rates are based on current simulation settings with premium amount $100,000.00

2 Years	3.85%
3 Years	4.00%
4 Years	4.15%
5 Years	4.30%

Available Guarantee Periods

Rates are based on current simulation settings with premium amount $100,000.00

$10,000.00 - $99,999.00	3.55%
$100,000.00 - $1,000,000.00	3.85%

Features
Maximum Issue Age	89 years

Lifetime Income Details

Payout Options

Annuitization

Lump Sum Withdrawal

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