ForeAccumulation II Advisory
MassMutual
13.25%
Best Cap
10%
Free W/D
50
States
A long-term insurance savings vehicle that offers growth potential linked to market indexes without the risk of losing your principal to market downturns. Designed for people nearing or in retirement who want growth with downside protection.
Free Withdrawal
10%/yr
Available In
50 states
Min Premium
$25,000
Surrender
5 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| BlackRock iBLD Diversa VC7 ER Index | 2-Year | -- | 245% | -- |
| BlackRock iBLD Diversa VC7 ER Index | Annual | -- | 170% | -- |
| Franklin US Index | 2-Year | -- | 245% | -- |
| Franklin US Index | Annual | -- | 145% | -- |
| J.P. Morgan Cross-Asset Strategy Index | 2-Year | -- | 245% | -- |
| J.P. Morgan Cross-Asset Strategy Index | Annual | -- | 145% | -- |
| MSCI EAFE Index | Annual | 13.25% | 100% | -- |
| PIMCO Balanced Index | 2-Year | -- | 305% | -- |
| PIMCO Balanced Index | Annual | -- | 240% | -- |
| S&P 500 Index | Annual | 13% | 100% | -- |
| Fixed Account | Daily | -- | -- | 3.9% |
Key Features
Downside Market Protection
No performance-based riskYou receive 0% crediting in years when the index is negative, protecting your principal from market losses
Locked-In Gains
Permanent protection of gainsInterest crediting is never less than 0%, so all growth you experience stays with you and builds on itself
Index-Linked Growth
Upside potential without direct index investmentYour returns are based on the movement of market indexes (like the S&P 500) with various crediting strategies and caps available
No Upfront Sales Charges
100% of contributions eligible for creditingYour contract value equals your value—all crediting is based on performance, not sales fees
Tax-Deferred Growth
Compound growth accelerationAll interest crediting is tax-deferred, allowing your money to compound without annual tax drag
Consistent Performance
Range of 4.50% to 7.75% in hypothetical exampleHistorical rolling 5-year periods show more stable returns compared to direct market index volatility
Highlights
No market losses – you're protected from downside risk while still getting growth potential linked to market indexes
Interest crediting is locked in and never goes backward – any gains you make stay with you permanently
No upfront sales charges – your contract value is your value, with crediting based solely on index performance
Tax-deferred growth with consistent, predictable returns that smooth out market volatility
Works as part of a retirement strategy to offset the ups and downs of stocks and mutual funds
Surrender Schedule
Yr 1
2%
Yr 2
2%
Yr 3
2%
Yr 4
2%
Yr 5
2%
After
0%
Nursing home waiver, Terminal illness waiver
Best For
People who are close to retirement, currently retired, concerned about market losses, or who want to reduce portfolio volatility while maintaining growth potential.
Consider Alternatives If
Investors with long time horizons who can tolerate and benefit from full market participation and volatility.
Carrier Ratings
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