SecureGain 5 - 2025
MassMutual
10%
Free W/D
50
States
SecureGain 5 is a fixed deferred annuity that provides guaranteed interest rates for 5-year periods, flexible withdrawal options, and optional no-cost riders for long-term care and terminal illness. It's designed for individuals seeking stable, predictable growth with retirement account funds.
Free Withdrawal
10%/yr
Available In
50 states
Min Premium
$25,000
Surrender
3 years
Key Features
5-Year Guarantee Period
Guaranteed rate + option to renewInitial interest rate is guaranteed through the fifth contract anniversary; rates can be renewed for additional 5-year terms
Free Withdrawal Allowance
10% per yearWithdraw up to 10% of account value annually without surrender charges or market value adjustments
Extended Care Waiver Rider
No additional chargeWithdraw up to 100% of account value penalty-free if confined to nursing home or long-term care facility for 90+ consecutive days
Terminal Illness Waiver Rider
No additional chargeWithdraw up to 100% of account value penalty-free if diagnosed with terminal illness (12 months or less to live)
Guaranteed Minimum Surrender Value
87.5% guaranteeProtects principal with 87.5% of purchase payments guaranteed, regardless of market conditions
Multiple Account Types Accepted
Qualified and non-qualifiedWorks with Traditional IRAs, Roth IRAs, 403(b)s, 457 plans, SEP IRAs, SIMPLE IRAs, and inherited accounts
Early Withdrawal Charges
8%-5% depending on yearDeclining surrender charges apply to withdrawals exceeding the 10% free allowance: 8% (years 1-2), 7% (year 3), 6% (year 4), 5% (year 5)
Market Value Adjustment
Applied based on rate changesSurrenders and large withdrawals subject to MVA based on interest rate changes; protects both owner and company
Highlights
Guaranteed interest rates for 5 years with flexibility to renew for additional 5-year terms
10% free annual withdrawal allowance with no surrender charges or market value adjustments
No-cost Extended Care and Terminal Illness waiver riders provide penalty-free access to funds during qualifying life events
Accepts qualified and non-qualified retirement funds including IRAs, 403(b)s, and inherited accounts
Guaranteed Minimum Surrender Value (GMSV) protects against market losses with 87.5% of purchase payments guaranteed
Surrender Schedule
Yr 1
8%
Yr 2
8%
Yr 3
7%
After
0%
Nursing home waiver, Terminal illness waiver
Best For
Retirees and pre-retirees aged 0-89 seeking guaranteed growth with retirement funds who value penalty-free access and protection against long-term care costs.
Consider Alternatives If
Investors seeking high growth potential or those who may need immediate access to more than 10% of their funds annually without penalties.
Carrier Ratings
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