SecureGain 7 - 2025
MassMutual
10%
Free W/D
50
States
SecureGain 7 is a fixed annuity that grows your money at a guaranteed rate over seven years with no market risk, then converts into reliable income you can't outlive. It's designed for people nearing or in retirement who want predictable growth and peace of mind.
Free Withdrawal
10%/yr
Available In
50 states
Min Premium
$25,000
Surrender
3 years
Key Features
Guaranteed Interest Rate
Rate varies; example shown at 2.50%Interest rate is locked in and guaranteed for the full seven-year term, regardless of how markets perform
Principal Protection
100% protected (unless early withdrawal taken)Your initial investment and accumulated earnings are protected from market losses
Tax-Deferred Growth
Example: $8,000+ more growth over 20 years vs. taxable investmentNo taxes paid on earnings until withdrawal, allowing faster compounding than taxable products
Guaranteed Lifetime Income
Multiple payout options including joint survivor optionsConvert your accumulated balance into payments that last for your entire life
Penalty-Free Withdrawals
10% annual access maintained throughout contractWithdraw up to 10% of your account value each year without charges or penalties
Minimum Purchase
$25,000 initial purchase minimumLow entry point for this type of product
Death Benefit
Full contract value paid to named beneficiariesAny remaining balance passes directly to your beneficiaries, avoiding probate
Included Waiver Riders
Extended care and terminal illness waivers (not available in Massachusetts)Optional access to full account without penalties if confined to nursing home or diagnosed with terminal illness
Highlights
Guaranteed interest rate locked in for 7 years, regardless of market conditions
Complete protection from investment losses on your principal
Tax-deferred growth allows your money to compound faster than taxable investments
Convert accumulated funds into guaranteed lifetime income when ready
Penalty-free access to 10% of your account value annually
Surrender Schedule
Yr 1
8%
Yr 2
8%
Yr 3
7%
After
0%
Nursing home waiver, Terminal illness waiver
Best For
People within 5-10 years of retirement or already retired who want predictable growth, capital protection, and the ability to create guaranteed lifetime income without stock market risk.
Consider Alternatives If
Investors who need immediate access to their full balance, expect to need regular large withdrawals, or want potential for market-level returns.
Carrier Ratings
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