What is the minimum guaranteed surrender value for MassMutual Ascend – American Freedom Classic (3-, 5-, and 7-year terms, 2025 series)?

The American Freedom Classic™ Series is a Single Premium Deferred Annuity (SPDA) that credits a fixed interest rate for the entire duration of the selected 3-, 5-, or 7-year guarantee period. The owner makes a one-time premium payment and selects the desired term length. Interest accumulates tax-deferred and is guaranteed until the applicable contract anniversary for each term. During the first contract year, the policy allows penalty-free withdrawals up to 10% of total purchase payments. After the first year, the owner may withdraw up to 10% of the account value based on the previous contract anniversary without incurring surrender charges or a Market Value Adjustment (MVA). At the end of each guarantee period, the contract may offer the option to renew for an additional term of the same length, enter annuitization, or surrender as permitted.

What is the minimum premium amount for MassMutual Ascend – American Freedom Classic (3-, 5-, and 7-year terms, 2025 series)?

The minimum premium amount is $25,000.

What is the maximum issue age for MassMutual Ascend – American Freedom Classic (3-, 5-, and 7-year terms, 2025 series)?

The maximum issue age is 90 years.

What is the current interest rate for MassMutual Ascend – American Freedom Classic (3-, 5-, and 7-year terms, 2025 series)?

The current interest rate is 4%.

What is the surrender charge schedule for MassMutual Ascend – American Freedom Classic (3-, 5-, and 7-year terms, 2025 series)?

Withdrawals exceeding the 10% annual free-withdrawal limit, or full surrenders during the guarantee period, are subject to surrender charges and may also incur a Market Value Adjustment (MVA). Charges decline annually and reach 0% at the end of the applicable term. A separate California schedule may apply.

What are the best rates available for MassMutual Ascend – American Freedom Classic (3-, 5-, and 7-year terms, 2025 series)?

The best available rate is 4.40% for a 7 year term.

MassMutual

MassMutual Ascend – American Freedom Classic (3-, 5-, and 7-year terms, 2025 series)

About this product

The American Freedom Classic™ fixed annuity is a single-premium deferred annuity issued by MassMutual Ascend Life Insurance Company, offering fixed, tax-deferred interest growth and full principal protection through 3-, 5-, and 7-year guarantee periods. Each term provides a locked-in interest rate for the duration of its contract period, delivering steady, predictable accumulation insulated from market volatility. With penalty-free withdrawal access beginning in year one and guaranteed income options available at annuitization, the American Freedom Classic Series supports reliable, long-term financial planning for conservative savers seeking safety, stability, and guaranteed growth.

Available Rates

Rates are based on current simulation settings with premium amount $100,000.00

3 Years	4.30%
5 Years	4.35%
7 Years	4.40%

Available Guarantee Periods

Rates are based on current simulation settings with premium amount $100,000.00

$25,000.00 - $99,999.00	4%
$100,000.00 - $1,000,000.00	4.3%

Features
Maximum Issue Age	90 years

Lifetime Income Details

Payout Options

Annuitization

Lump Sum Withdrawal

Additional Options

Actual payout options may vary by insurance carrier and specific products. Common alternatives include:

Life Income Only: Payments for the rest of your life, stopping upon death
Period Certain: Guaranteed payments for a specific time period (5, 10, 15, or 20 years)
Life with Period Certain: Lifetime payments with a minimum guaranteed period
Joint Life: Payments continue for both you and your spouse's lifetimes
Systematic Withdrawal: Regular withdrawals of a specified amount or percentage