What is the minimum guaranteed surrender value for MassMutual Ascend SecureGain 3?

The contract is a single‑premium deferred fixed annuity that credits a guaranteed interest rate during the initial three‑year term and renews for a similar term unless changed during a 30‑day renewal window. It allows up to 10 % penalty‑free withdrawals annually, includes a death benefit equal to the greater of account value or GMSV, features no upfront charges, and provides waiver riders for terminal illness and extended care. A Market Value Adjustment (MVA) applies to excess withdrawals or surrenders, and surrender charges apply during the first six years.

What is the minimum premium amount for MassMutual Ascend SecureGain 3?

The minimum premium amount is $10,000.

What is the maximum issue age for MassMutual Ascend SecureGain 3?

The maximum issue age is 90 years.

What is the current interest rate for MassMutual Ascend SecureGain 3?

The current interest rate is 4.4%.

What is the surrender charge schedule for MassMutual Ascend SecureGain 3?

During the first six contract years, if withdrawals or surrenders exceed the free withdrawal allowance, an early withdrawal charge applies on the excess amount, starting at 9 % in year one, then 8 % in year two, 7 % in year three, 6 % in year four, 5 % in year five, and 4 % in year six; no charges apply after six years. An MVA applies to the withdrawn or surrendered amount exceeding the free allowance, calculated by comparing interest rate indices from purchase to withdrawal time; a positive MVA cannot exceed the early withdrawal charge amount, and a negative MVA plus the charge cannot exceed twice that charge. MVA and surrender charges are waived for surrenders during the final 30 days of the first three-year term.

What are the best rates available for MassMutual Ascend SecureGain 3?

The best available rate is 4.75% for a 3 year term.

MassMutual Ascend Life Insurance Company

MassMutual Ascend SecureGain 3

About this product

SecureGain 3 is a fixed annuity from MassMutual Ascend that provides clients with predictable, guaranteed growth over a three‑year period. It offers a locked-in interest rate during the term, principal protection, tax-deferred accumulation, and a choice of payout options including lifetime income, making it suitable for conservative investors seeking safety and growth without market exposure.

Available Rates

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

3 Years

4.75%

Available Guarantee Periods

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

$10,000.00 - $99,999.00	4.4%
$100,000.00 - $1,000,000.00	4.75%

Features
Maximum Issue Age	90 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