Index Protector 7

Diversify your clients’ portfolios with Index Protector 7. Intended for distribution by Investment Advisor Representatives doing fee-based planning, this zero commission fixed-indexed annuity offers:
• Protection from market loss
• Growth opportunity with multiple indexed strategies
• Early withdrawal charges that end after 7 years
• Optional income riders for enhanced income opportunity
• Return of premium guarantee

For a complete product description, see the Product Overview in the Marketing Materials section below.
Find more resources at MassMutualAscendRIA.com.

No MVA available in: CA, IN, MN, MO, OH, PA, TX and UT

Details

Issue Ages

Non-qualified 0-85Inherited non-qualified 0-75Inherited IRA 0-75Qualified 0-85

Tax Qualifications

Non-qualifiedQualifiedInherited non-qualified403(b) (Traditional and Roth)IRA (Traditional, Roth, SEP, SIMPLE and Inherited)457(b)401(a)

Purchase Payments

Subsequent purchase payments accepted in first two contract monthsIssued with single purchase payment

Purchase Payment Minimums and Maximums

Minimum:

$100,000

Subsequent:

$25,000

Maximum:

$2 million for ages 0-75
$1.5 million for ages 76-80
$1 million for ages 81+ without prior Home Office approval

Early Withdrawal Charges

7-year declining: 7%, 7%, 7%, 6%, 5%, 4%, 3%

Market Value Adjustment

A market value adjustment will apply to withdrawals or surrenders during the seven-year term.

Free Withdrawal Allowance

During the first contract year, 10% of purchase payments may be withdrawn without an early withdrawal charge or market value adjustment.After the first contract year, 10% of the account value as of the most recent contract anniversary may be withdrawn without an early withdrawal charge or market value adjustment.

Waivers

Terminal Illness WaiverExtended Care Waiver

Interest Strategies

Declared RateS&P 500 1-Year Point-to-Point with CapS&P 500 7-Year Cap Lock Annual Point-to-PointiShares U.S. Real Estate 1-Year Point-to-Point with CapS&P 500 Risk Control 1-Year Point-to-Point with Par RateS&P U.S. Retiree Spending 1-Year Point-to-Point with Par RateiShares MSCI EAFE 1-Year Point-to-Point with CapFirst Trust Barclays Edge Index 1-Year Point-to-Point with CapFirst Trust Barclays Edge Index 1-Year Point-to-Point with 7-Year Cap LockAvailable strategies may vary by state and distribution. Please view state approvals to learn more about availability.

Guaranteed Minimum Surrender Value (GMSV)

87.5% of purchase payments, plus interest credited daily at a minimum guaranteed rate, less withdrawals, not including amounts applied to pay early withdrawal charges or negative MVAs

Return of Premium

Return of premium value is sum of all purchase payments, minus withdrawals and applicable taxes and rider charges. Available after the third contract year. Included at no extra charge.

Payout Options

Fixed period payoutLife payoutLife payout with payments for at least a fixed periodJoint and one-half survivor payout

All Annuities

Indexed

Fee-Based

Riders

Registered Index-Linked

Fixed & Immediate

Marketing Materials

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Calculators

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Training

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