Registered index-linked annuity · SEC-registered · defined downside design
Index Summit 6
Issued by MassMutual Ascend Life Insurance Company
AM Best A++Can lose value
Segment terms1-year · 2-year · 3-year · 6-year
Downside choices0% floor · 10% buffer · 10% floor · 20% buffer · 50% downside participation
FeeNot published
Surrender period6 yrs
Free withdrawal10%per year
Issue ages0–80 (annuitant and owner) · age limits based on the older person
Available jurisdictions49published in the feed
Market value adj.None
Headline segment · S&P 500 Index · 1-year · 10% buffer17% 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 | 0% floor | 10% buffer | 10% floor | 20% buffer | 50% downside participation |
|---|---|---|---|---|---|
| S&P 500 | |||||
| 1-yearPoint-to-point | 6.25% cap Segment detailsMinimum cap: 1%Minimum participation: 100%Maximum floor: 0% | 17% cap Segment detailsMinimum cap: 1%Minimum participation: 100%Minimum buffer: 10% | 13% cap Segment detailsMinimum cap: 1%Minimum participation: 100%Maximum floor: -10% | 11.5% capPublished rate instance 3 Segment detailsMinimum cap: 1%Minimum participation: 100%11.5% capSelected contract rate instance Segment detailsMinimum cap: 1%Minimum participation: 100%Minimum buffer: 20% | 14% capPublished rate instance 1 Segment detailsMinimum cap: 1%Minimum participation: 100%75% participationPublished rate instance 1 Segment detailsMinimum participation: 5%14% capSelected contract rate instance Segment detailsMinimum cap: 1%Minimum participation: 100%Maximum downside participation: 50%75% participationSelected contract rate instance Segment detailsMinimum participation: 5%Maximum downside participation: 50% |
| 1-yearPerformance trigger | — | 10% trigger rate Segment detailsMinimum trigger rate: 1%Minimum participation: 100%11% trigger rate Segment detailsMinimum trigger rate: 1%Minimum participation: 100%Minimum buffer: 10% | — | 8% trigger rate Segment detailsMinimum trigger rate: 1%Minimum participation: 100%9% trigger rate Segment detailsMinimum trigger rate: 1%Minimum participation: 100%Minimum buffer: 20% | — |
| 1-yearDual performance trigger | — | 8% trigger rate Segment detailsMinimum trigger rate: 1%Minimum participation: 100%9.5% trigger rate Segment detailsMinimum trigger rate: 1%Minimum participation: 100%Minimum buffer: 10% | — | — | — |
| 2-yearPoint-to-point | — | — | — | — | 23% capPublished rate instance 1 Segment detailsMinimum cap: 1%Minimum participation: 100%80% participationPublished rate instance 1 Segment detailsMinimum participation: 5%23% capSelected contract rate instance Segment detailsMinimum cap: 1%Minimum participation: 100%Maximum downside participation: 50%80% participationSelected contract rate instance Segment detailsMinimum participation: 5%Maximum downside participation: 50% |
| 3-yearPoint-to-point | — | 70% cap Segment detailsMinimum cap: 1%Minimum participation: 5% | — | 40% cap Segment detailsMinimum cap: 1%Minimum participation: 5% | — |
| 6-yearPoint-to-point | — | 100% participation Segment detailsMinimum participation: 5%100% cap Segment detailsMinimum cap: 1%Minimum participation: 5%Minimum buffer: 10% | — | 80% cap Segment detailsMinimum cap: 1%Minimum participation: 5% | — |
| iShares MSCI EAFE ETF | |||||
| 1-yearPoint-to-point | — | — | 15% cap Segment detailsMinimum cap: 1%Minimum participation: 100%Maximum floor: -10% | — | 80% participationPublished rate instance 1 Segment detailsMinimum participation: 5%80% participationSelected contract rate instance Segment detailsMinimum participation: 5%Maximum downside participation: 50% |
| iShares US Real Estate ETF | |||||
| 1-yearPoint-to-point | — | — | 20% cap Segment detailsMinimum cap: 1%Minimum participation: 100%Maximum floor: -10% | — | 85% participationPublished rate instance 1 Segment detailsMinimum participation: 5%85% participationSelected contract rate instance Segment detailsMinimum participation: 5%Maximum downside participation: 50% |
| Russell 2000 | |||||
| 1-yearPoint-to-point | — | 24% cap Segment detailsMinimum cap: 1%Minimum participation: 100% | — | 14.5% cap Segment detailsMinimum cap: 1%Minimum participation: 100% | — |
| 3-yearPoint-to-point | — | 100% cap Segment detailsMinimum cap: 1%Minimum participation: 5% | — | 65% cap Segment detailsMinimum cap: 1%Minimum participation: 5% | — |
| 6-yearPoint-to-point | — | 100% cap Segment detailsMinimum cap: 1%Minimum participation: 5% | — | 85% participation Segment detailsMinimum participation: 5%90% cap Segment detailsMinimum cap: 1%Minimum participation: 5% | — |
| SPDR Gold Shares | |||||
| 1-yearPoint-to-point | — | — | 20% cap Segment detailsMinimum cap: 1%Minimum participation: 100%Maximum floor: -10% | — | — |
| First Trust Barclays Edge | |||||
| 1-yearPoint-to-point | — | 120% participation Segment detailsMinimum participation: 5%Minimum buffer: 10% | — | — | 140% participation Segment detailsMinimum participation: 5%Maximum downside participation: 50% |
| Fixed account | |||||
| 1-year · Declared rate | 3.55% fixedSegment detailsMinimum fixed-account rate: 2.4% | ||||
Showing 40 of 40 indexed segments.
Menu combined from 4 published rate instances (7 + 10 + 4 + 19 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-year100%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 · 2-year1%Minimum cap
Point-to-point · 2-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
Surrender charge · full schedule
Year 18%
Year 27%
Year 36%
Year 45%
Year 54%
Year 63%
After0%
Annual free withdrawal10%
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 menu includes a fixed account and a broad set of indexed segments across several published market measures.
- Point-to-point, performance-trigger, and observation-based choices appear with buffer, floor, or downside-participation terms.
- The contract publishes an annual free-withdrawal term and no market value adjustment.
What to confirm
- Every indexed segment can lose value; buffer, floor, and downside-participation rules are not interchangeable.
- The current feed does not publish the strategy fee on these rows, so no fee-free outcome is calculated.
- Withdrawals beyond the published free amount can incur the full six-year charge schedule shown in the liquidity section.
- The contract is not published as available in New York, Oregon, Puerto Rico, or the U.S. Virgin Islands.
Best fitBuyers who accept market-linked losses, can keep most of their premium through the six-year surrender period, and want several index and downside choices.
Not ideal forBuyers who need a loss-free indexed segment, unrestricted liquidity, or a fee-net outcome 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 adjustmentNone
Return of premiumNot available
Free-withdrawal tiersTier 1: 10% · Available
CDSC schedule6 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 numbers333-276611
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.