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Active Product: MassMutual Ascend – American Freedom Classic (3-, 5-, and 7-year terms, 2025 series)
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.
Important Disclaimer
The results displayed here are for simulation purposes only and do not represent financial advice or real-world values. Please consult a qualified financial professional before making any investment decisions.
Available Rates
| 3 Years | 4.30% |
| 5 Years | 4.35% |
| 7 Years | 4.40% |
Available Guarantee Periods
Rates based on investment amount $100,000.00
| $25,000.00 - $99,999.00 | 4.00% |
| $100,000.00 - $1,000,000.00 | 4.30% |
Features
| Maximum Issue Age | 90 years |
Growth Projection
How your money grows
Based on your issue age (55) and target payout age (62), the following guarantee period will be applied:
| Guarantee Period | 7 years |
| Rate | 4.40% |
| Age | 55 - 62 |
Summary
| Total years to payout | 30 |
| Total guarantee periods applied | 5 |
Lifetime Income Details
Payout Options
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