RILAapprovals

2024 RILA Product Enhancements – State Approvals As Of 5/7/2024

Over the last several years, MassMutual Ascend has made annual enhancements to our Index Summit 6, Index Summit 6 Pro and Index Achiever Advisory registered index-linked annuities. Below is a summary of the product features that were available on the 2022 Base Products, along with the features that were introduced during the 2023 Product Enhancements and 2024 Product Enhancements.

	2022 Base Product	2023 Product Enhancements (includes 2022 Base Product strategies)	2024 Product Enhancements (includes 2022 Base Product + 2023 Product Enhancement strategies)
Index Summit 6	S&P 500 1-Year 50% Downside Par Rate with Cap S&P 500 2-Year 50% Downside Par Rate with Cap S&P 500 1-Year 50% Downside Par Rate with Upside Par Rate S&P 500 2-Year 50% Downside Par Rate with Upside Par Rate S&P 500 6-Year 10% Buffer with Upside Par Rate iShares MSCI EAFE ETF 1-Year 50% Downside Par Rate with Upside Par Rate iShares MSCI EAFE ETF 2-Year 50% Downside Par Rate with Upside Par Rate iShares U.S. Real Estate ETF 1-Year 50% Downside Par Rate with Upside Par Rate iShares U.S. Real Estate ETF 2-Year 50% Downside Par Rate with Upside Par Rate	S&P 500 1-year 10% Buffer with Cap* S&P 500 1-Year -10% Floor with Cap* S&P 500 1-year 0% Floor with Cap SPDR Gold Shares ETF 1-Year -10% Floor with Cap iShares U.S. Real Estate ETF 1-Year -10% Floor with Cap iShares MSCI EAFE ETF 1-Year -10% Floor with Cap First Trust Barclays Edge Index 1-Year 50% Downside Par Rate with Upside Par Rate* First Trust Barclays Edge Index 1-Year 10% Buffer with Upside Par Rate*	S&P 500 1-Year 10% Buffer with Performance Trigger S&P 500 1-Year 10% Buffer with Dual Performance Trigger S&P 500 1-Year 20% Buffer with Cap* S&P 500 1-Year 20% Buffer with Performance Trigger S&P 500 3-Year 10% Buffer with Upside Par Rate* S&P 500 3-Year 20% Buffer with Upside Par Rate* S&P 500 6-Year 20% Buffer with Upside Par Rate* Russell 2000 6-Year 10% Buffer with Upside Par Rate Russell 2000 6-Year 20% Buffer with Upside Par Rate
Index Summit 6 Pro	S&P 500 1-Year 50% Downside Par Rate with Cap S&P 500 2-Year 50% Downside Par Rate with Cap S&P 500 1-Year 50% Downside Par Rate with Upside Par Rate S&P 500 2-Year 50% Downside Par Rate with Upside Par Rate S&P 500 6-Year 10% Buffer with Upside Par Rate iShares MSCI EAFE ETF 1-Year 50% Downside Par Rate with Upside Par Rate iShares MSCI EAFE ETF 2-Year 50% Downside Par Rate with Upside Par Rate iShares U.S. Real Estate ETF 1-Year 50% Downside Par Rate with Upside Par Rate iShares U.S. Real Estate ETF 2-Year 50% Downside Par Rate with Upside Par Rate	S&P 500 1-year 10% Buffer with Cap* S&P 500 1-Year -10% Floor with Cap* S&P 500 1-year 0% Floor with Cap SPDR Gold Shares ETF 1-Year -10% Floor with Cap iShares U.S. Real Estate ETF 1-Year -10% Floor with Cap iShares MSCI EAFE ETF 1-Year -10% Floor with Cap First Trust Barclays Edge Index 1-Year 50% Downside Par Rate with Upside Par Rate* First Trust Barclays Edge Index 1-Year 10% Buffer with Upside Par Rate*	S&P 500 1-Year 10% Buffer with Performance Trigger S&P 500 1-Year 10% Buffer with Dual Performance Trigger S&P 500 1-Year 20% Buffer with Cap* S&P 500 1-Year 20% Buffer with Performance Trigger S&P 500 3-Year 10% Buffer with Upside Par Rate* S&P 500 3-Year 20% Buffer with Upside Par Rate* S&P 500 6-Year 20% Buffer with Upside Par Rate* Russell 2000 6-Year 10% Buffer with Upside Par Rate Russell 2000 6-Year 20% Buffer with Upside Par Rate
Index Achiever Advisory	S&P 500 1-Year -10% Floor with Cap S&P 500 1-Year 50% Downside Par Rate with Upside Par Rate S&P 500 1-Year 10% Buffer with Cap S&P 500 6-Year 10% Buffer with Upside Par Rate iShares MSCI EAFE ETF 1-Year 50% Downside Par Rate with Upside Par Rate iShares MSCI EAFE ETF 1-Year 10% Buffer with Cap SPDR Gold Shares ETF 1-Year 50% Downside Par Rate with Upside Par Rate SPDR Gold Shares ETF 1-Year 10% Buffer with Cap iShares U.S. Real Estate ETF 1-Year 50% Downside Par Rate with Upside Par Rate iShares U.S. Real Estate ETF 1-Year 10% Buffer with Cap	First Trust Barclays Edge Index 1-Year 50% Downside Par Rate with Upside Par Rate* First Trust Barclays Edge Index 1-Year 10% Buffer with Upside Par Rate*	S&P 500 1-Year 10% Buffer with Performance Trigger S&P 500 1-Year 10% Buffer with Dual Performance Trigger S&P 500 1-Year 20% Buffer with Cap* S&P 500 1-Year 20% Buffer with Performance Trigger S&P 500 3-Year 10% Buffer with Upside Par Rate* S&P 500 3-Year 20% Buffer with Upside Par Rate* S&P 500 6-Year 20% Buffer with Upside Par Rate* Russell 2000 6-Year 10% Buffer with Upside Par Rate Russell 2000 6-Year 20% Buffer with Upside Par Rate

*Performance lock available.

Refer to the table below to see which version of the Index Summit 6, Index Summit 6 Pro and Index Achiever Advisory is currently approved for new sales in your state:

2022 Base Product

2023 Product Enhancements (includes 2022 Base Product strategies)

2024 Product Enhancements (includes 2022 Base Product + 2023 Product Enhancements strategies)

Blank: Pending Approval

	Index Summit 6	Index Summit 6 Pro	Index Achiever Advisory
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
District of Columbia
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming