MassMutual Ascend Life Insurance Company
MassMutual Ascend – American Freedom Stars & Stripes 5 (Non-MVA)
About this product
The MassMutual Ascend American Freedom Stars & Stripes 5 is a single-premium fixed annuity designed for conservative accumulation with guaranteed increasing interest rates during the initial 5-year term. The annuity credits a base rate in year 1, then increases by 0.15% each year in years 2–5, providing predictable, tax-deferred growth and principal protection (unless withdrawals are taken during the early withdrawal charge period).
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
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