Index Protector 5 MVA

Diversify your clients’ portfolios with Index Protector 5 MVA. 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
• No early withdrawal charges
• Market Value Adjustments (MVA) that end after 5 years

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

Details

Issue Ages

Inherited non-qualified 0-75Non-qualified 0-89Inherited IRA 0-75Qualified 0-89

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 monthsSubsequent allowed 60 days from issue only; Minimum: $2,000

Purchase Payment Minimums and Maximums

Minimum:

$50,000

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

Market Value Adjustment

A market value adjustment will apply to withdrawals or surrenders made during the first five contract years.

Free Withdrawal Allowance

During the first contract year, 10% of purchase payments may be withdrawn without a market value adjustment.After the first contract year, 10% of the account value as of the most recent contract anniversary may be withdrawn without a market value adjustment.

Waivers

Terminal Illness WaiverExtended Care Waiver

Interest Strategies

1-Year Declared Rate5-Year Declared RateS&P 500 1-Year Point-to-Point with CapiShares 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 5-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 guaranteed minimum rate less prior withdrawals, net of applicable market value adjustments.

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

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