ForeAccumulation II with Premium Enhancement
MassMutual
5.25%
Best Cap
10%
Free W/D
50
States
A fixed index annuity is a long-term savings vehicle that offers growth potential linked to market indexes while protecting your principal from market losses. It's designed for people near or in retirement who want growth without the risk of losing money.
Free Withdrawal
10%/yr
Available In
50 states
Min Premium
$25,000
Surrender
10 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| BlackRock iBLD Diversa VC7 ER Index | 2-Year | -- | 135% | -- |
| BlackRock iBLD Diversa VC7 ER Index | Annual | -- | 100% | -- |
| Franklin US Index | 2-Year | -- | 130% | -- |
| Franklin US Index | Annual | -- | 90% | -- |
| J.P. Morgan Cross-Asset Strategy Index | 2-Year | -- | 125% | -- |
| J.P. Morgan Cross-Asset Strategy Index | Annual | -- | 90% | -- |
| MSCI EAFE Index | Annual | 5.25% | 100% | -- |
| PIMCO Balanced Index | 2-Year | -- | 180% | -- |
| PIMCO Balanced Index | Annual | -- | 120% | -- |
| S&P 500 Index | Annual | 5% | 100% | -- |
| Fixed Account | Daily | -- | -- | 2.9% |
Key Features
Downside Protection
0% minimum creditingIf the linked index experiences losses, the FIA credits 0% – you never lose your principal to market declines
Upside Growth Potential
Varies by strategy and indexInterest crediting is based on positive movement of your chosen market index with various cap and crediting strategies available
Tax-Deferred Growth
Tax-deferredAll interest crediting and gains are tax-deferred, allowing your money to compound without annual tax drag
Locked-In Gains
Immediate lock-inOnce interest is credited, it's locked in and protected – you keep it regardless of future market performance
No Upfront Sales Charges
0% sales chargesYour entire premium becomes contract value with no sales deductions – what you deposit is what you own
Multiple Crediting Strategies
Multiple options availableChoose from various crediting methods and market indices to align with your personal needs and risk tolerance
Highlights
No market losses – your principal is protected even when the index declines
Growth potential linked to market index performance with upside capture
Tax-deferred growth with locked-in gains that can't be lost
No upfront sales charges – your contract value equals your value
Flexible crediting strategies and indices to match your personal goals
Surrender Schedule
Yr 1
9%
Yr 2
9%
Yr 3
8%
Yr 4
7%
Yr 5
6%
Yr 6
5%
Yr 7
4%
Yr 8
3%
Yr 9
2%
Yr 10
1%
After
0%
Nursing home waiver, Terminal illness waiver
Best For
People who are close to retirement or already retired, concerned about market losses, and seeking tax-deferred growth with the potential for upside participation.
Consider Alternatives If
Aggressive growth investors with a long time horizon who can tolerate and benefit from full market participation, or those needing immediate access to liquidity without penalties.
Carrier Ratings
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