SecureGain 5
MassMutual
10%
Free W/D
53
States
SecureGain 5 is a fixed annuity that provides guaranteed interest rates for 5 years, designed for investors seeking predictable income and principal protection with flexibility to access funds when needed.
Free Withdrawal
10%/yr
Available In
53 states
Min Premium
$10,000
Surrender
5 years
Key Features
Guaranteed Interest Rate
5-year guarantee periodInitial interest rate is locked in and guaranteed until the fifth contract anniversary, then never falls below the annuity's minimum rate.
Flexible Purchase Payments
$25,000 minimum initial; $2,000 additionalStart with a single payment of at least $25,000, then add more within the first 60 days (minimum $2,000 per additional payment).
Penalty-Free Withdrawals
10% annuallyAccess up to 10% of contributions in year one, or 10% of account value in later years, without early withdrawal charges or market value adjustments.
Guaranteed Minimum Surrender Value (GMSV)
87.5% of purchase payments + interestYour account is protected at 87.5% of purchase payments plus daily interest, even if market conditions decline.
Waiver Riders
100% account value when criteria metExtended Care and Terminal Illness riders provide access to 100% of account value if qualifying criteria are met.
Payout Flexibility
4 payout options availableChoose fixed period income, life income, joint survivor income, or combine options for retirement security.
Qualified & Non-Qualified Plans
Multiple tax qualification optionsWorks with IRAs, 403(b), 457(b), and inherited accounts, making it suitable for various retirement savings vehicles.
Highlights
Fixed interest rate guaranteed for 5 years with no market risk
Flexible contributions with single or multiple purchase payments up to $2 million
Penalty-free withdrawals of up to 10% annually without surrender charges
Waiver riders for extended care and terminal illness that unlock 100% account value
Multiple payout options including life income for lifetime retirement security
Surrender Schedule
Yr 1
9%
Yr 2
8%
Yr 3
7%
Yr 4
6%
Yr 5
5%
After
0%
Nursing home waiver, Terminal illness waiver
Best For
Investors age 0-89 seeking predictable, guaranteed growth with flexibility to access funds, who prioritize principal protection over market upside and want multiple retirement income options.
Consider Alternatives If
Investors who need immediate, frequent access to their full account value or who expect to need most of their funds within 5 years should avoid this product due to early withdrawal charges.
Carrier Ratings
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