Registered index-linked annuity · SEC-registered · defined downside design
Index Achiever Advisory
Issued by MassMutual Ascend Life Insurance Company
AM Best A++Can lose value
Segment terms1-year · 3-year · 6-year
Downside choices10% buffer · 10% floor · 20% buffer · 50% downside participation
FeeNot published
Surrender periodNone
Free withdrawalNot published
Issue ages0–80 (annuitant and owner) · age limits based on the older person
Available jurisdictions49published in the feed
Market value adj.Available
Headline segment · S&P 500 Index · 1-year · 10% buffer22% cap · 10% buffer
The upside term is shown with its index, term, downside rule, and fee status. This indexed segment can lose value.
The buffer absorbs the first 10% of segment loss; losses beyond it can still apply. This is not an FIA.Every segment, by index and downside design
Read across a row to compare the upside term under each published downside design. Current rates for the selected state and $100,000 premium; every percentage identifies what it is.
Strategy fee is not published; outcome figures are suppressed unless another published fee applies.
Swipe horizontally to compare every protection level.
| Index · term | 10% buffer | 10% floor | 20% buffer | 50% downside participation |
|---|---|---|---|---|
| S&P 500 | ||||
| 1-yearPoint-to-point | 22% capPublished rate instance 1 Segment detailsMinimum cap: 1%Minimum participation: 100%22% capSelected contract rate instance Segment detailsMinimum cap: 1%Minimum participation: 100%Minimum buffer: 10% | 16.5% capPublished rate instance 1 Segment detailsMinimum cap: 1%Minimum participation: 100%Maximum floor: -10%16.5% capSelected contract rate instance Segment detailsMinimum cap: 1%Minimum participation: 100%Maximum floor: -10% | 14% capPublished rate instance 4 Segment detailsMinimum cap: 1%Minimum participation: 100%14% capSelected contract rate instance Segment detailsMinimum cap: 1%Minimum participation: 100%Minimum buffer: 20% | 80% participationPublished rate instance 1 Segment detailsMinimum participation: 5%80% participationSelected contract rate instance Segment detailsMinimum participation: 5%Maximum downside participation: 50% |
| 1-yearPerformance trigger | 11% trigger ratePublished rate instance 4 Segment detailsMinimum trigger rate: 1%Minimum participation: 100%11% trigger rateSelected contract rate instance Segment detailsMinimum trigger rate: 1%Minimum participation: 5%Minimum buffer: 10% | — | 9.5% trigger ratePublished rate instance 4 Segment detailsMinimum trigger rate: 1%Minimum participation: 100%9.5% trigger rateSelected contract rate instance Segment detailsMinimum trigger rate: 1%Minimum participation: 5%Minimum buffer: 20% | — |
| 1-yearDual performance trigger | 9.5% trigger ratePublished rate instance 4 Segment detailsMinimum trigger rate: 1%Minimum participation: 100%9.5% trigger rateSelected contract rate instance Segment detailsMinimum trigger rate: 1%Minimum participation: 100%Minimum buffer: 10% | — | — | — |
| 3-yearPoint-to-point | 110% participation Segment detailsMinimum cap: 1%Minimum participation: 5% | — | Not published Segment detailsMinimum cap: 1%Minimum participation: 5% | — |
| 6-yearPoint-to-point | 100% cap Segment detailsMinimum cap: 1%Minimum participation: 5% | — | Not published Segment detailsMinimum cap: 1%Minimum participation: 5% | — |
| iShares MSCI EAFE ETF | ||||
| 1-yearPoint-to-point | 25% capPublished rate instance 1 Segment detailsMinimum cap: 1%Minimum participation: 100%25% capSelected contract rate instance Segment detailsMinimum cap: 1%Minimum participation: 100%Minimum buffer: 10% | — | — | 100% participationPublished rate instance 1 Segment detailsMinimum participation: 5%100% participationSelected contract rate instance Segment detailsMinimum participation: 5%Maximum downside participation: 50% |
| iShares US Real Estate ETF | ||||
| 1-yearPoint-to-point | 30% capPublished rate instance 1 Segment detailsMinimum cap: 1%Minimum participation: 100%30% capSelected contract rate instance Segment detailsMinimum cap: 1%Minimum participation: 100%Minimum buffer: 10% | — | — | 100% participationPublished rate instance 1 Segment detailsMinimum participation: 5%100% participationSelected contract rate instance Segment detailsMinimum participation: 5%Maximum downside participation: 50% |
| SPDR Gold Shares | ||||
| 1-yearPoint-to-point | 16.5% capPublished rate instance 1 Segment detailsMinimum cap: 1%Minimum participation: 100%16.5% capSelected contract rate instance Segment detailsMinimum cap: 1%Minimum participation: 100%Minimum buffer: 10% | — | — | 80% participationPublished rate instance 1 Segment detailsMinimum participation: 5%80% participationSelected contract rate instance Segment detailsMinimum participation: 5%Maximum downside participation: 50% |
| Russell 2000 | ||||
| 1-yearPoint-to-point | 30% cap Segment detailsMinimum cap: 1%Minimum participation: 100% | — | 17% cap Segment detailsMinimum cap: 1%Minimum participation: 100% | — |
| 3-yearPoint-to-point | 105% participation Segment detailsMinimum cap: 1%Minimum participation: 5% | — | Not published Segment detailsMinimum cap: 1%Minimum participation: 5% | — |
| 6-yearPoint-to-point | 100% cap Segment detailsMinimum cap: 1%Minimum participation: 5% | — | 100% cap Segment detailsMinimum cap: 1%Minimum participation: 5% | — |
| First Trust Barclays Edge | ||||
| 1-yearPoint-to-point | 125% participation Segment detailsMinimum participation: 5%Minimum buffer: 10% | — | — | 175% participation Segment detailsMinimum participation: 5%Maximum downside participation: 50% |
| Fixed account | ||||
| 1-year · Declared rate | 3.05% fixedSegment detailsMinimum fixed-account rate: 2.4% | |||
Showing 38 of 38 indexed segments.
Menu combined from 5 published rate instances (9 + 1 + 9 + 4 + 15 segments).
Outcome simulator unavailable
The current feed does not publish a strategy fee for every eligible segment. No zero fee is assumed, so outcome figures are suppressed.
What the carrier can change at renewal
Upside rates and downside-protection terms are declared for each segment. These are the contractual minimums published with the live rows.
Declared, no index · 1-year2.4%Minimum fixed-account rate
Dual performance trigger · 1-year100%Minimum participation rate
Dual performance trigger · 1-year1%Minimum trigger rate
Performance trigger · 1-year5%Minimum participation rate
Performance trigger · 1-year1%Minimum trigger rate
Point-to-point · 1-year1%Minimum cap
Point-to-point · 1-year5%Minimum participation rate
Point-to-point · 3-year1%Minimum cap
Point-to-point · 3-year5%Minimum participation rate
Point-to-point · 6-year1%Minimum cap
Point-to-point · 6-year5%Minimum participation rate
Minimum published buffer10%Lowest value across the published segment limits
Open “Segment details” in the matrix to see the contractual minimum attached to that exact row.
Getting money out
No surrender charge
Free withdrawalNot published
Systematic withdrawalsAvailable
Nursing-home / terminal-illness waiverNursing home · Terminal illness
BailoutNot available
Return of premiumNot available
Death benefitStandard ROP Death Benefit
Analyst notes
Where it stands out
- The current advisory menu includes a fixed account and indexed segments across several published market measures.
- Point-to-point, performance-trigger, and observation-based choices remain separately labeled in the matrix.
- The selected advisory contract publishes no surrender charge; its annual free-withdrawal percentage is not published.
What to confirm
- Every indexed segment can lose value; buffer, floor, and downside-participation rules are different and must be read with the exact row.
- The current feed does not publish the strategy fee on these rows, so no fee-free outcome is calculated.
- A market value adjustment applies even though the selected contract has no surrender charge.
- The contract is not published as available in New York, Oregon, Puerto Rico, or the U.S. Virgin Islands.
Best fitAdvisory buyers who accept market-linked losses and want a broad segment menu without a surrender-charge schedule.
Not ideal forBuyers who need a loss-free indexed segment, no market value adjustment, or a fee-net illustration when the applicable strategy fee is not published.
Expanded contract facts
Contract details beyond the headline rate
Key facts published in the versioned CANNEX contract ledger. Gaps are labeled, not guessed.
Contract ledger statusAvailable · version 2.0
Product familyRILA
Share classesNot published
PremiumNot published in feed
Issue ages0–80 (annuitant and owner) · age limits based on the older person
Joint age rulesannuitant: minimum age uses the younger person, maximum age uses the older person, maximum age difference not published · owner: minimum age uses the younger person, maximum age uses the older person, maximum age difference not published
Funding typesNon-qualified · Qualified
Annuitant typesJoint · Single
OwnershipCorporation · Joint · Single · Trust
Joint contractAvailable
Free-look periodAvailable
Annuitization maximum age95 years
Annuitization optionsCertain period · Joint life · Single life
Profile feesNot published
Premium bonusNot published
Systematic withdrawalsYes
Minimum-withdrawals rule appliesYes
BailoutNo
Market value adjustmentAvailable
Return of premiumNot available
Free-withdrawal tiersNot published
CDSC schedule0 years · applies to the selected contract
Surrender ledger statusAvailable
Contract sourceCANNEXNormalized public contract facts; source XML and internal identifiers are not displayed.
Source vintagefreshObserved Sep 16, 2026 · generated Sep 16, 2026
Income rider optionsNone published — accumulation only
Death benefitStandard ROP Death Benefit
Contract open dateNot published in feed
Source and vintage: normalized public product facts from CANNEX, observed Sep 16, 2026. Raw licensed XML and internal identifiers are not included. Terms can vary by state, premium, age, share class, and contract version; confirm the current carrier contract and illustration before purchase.
Prospectus and SEC filings
A RILA is a registered security. The prospectus governs interim value, performance lock, death benefit, and fees.
RegistrantMassMutual Ascend Life Insurance Company
SEC CIK0000723258
File numbers333-276893
Open filings on EDGAR ↗No verified carrier document link is published in the product feed. Rate-sheet supplements will appear only after their product and carrier match is verified.
State availability
49 published jurisdictions. Not available in New York, Oregon, Puerto Rico, or the U.S. Virgin Islands.
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Rates are sourced from CANNEX via AdvisorWorld and updated daily. Rates vary by state, premium band, and issue age. A registered index-linked annuity can lose value; a buffer, floor, or downside-participation rule limits specified losses but does not guarantee principal or surrender value. Upside rates and downside-protection terms can change on new segments. Educational only — not advice, a quote, or a carrier-approved illustration. Guarantees are backed by the issuing carrier’s claims-paying ability and are not FDIC-insured.