2024 RILA Product Enhancements – State Approvals As Of 12/7/2024

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. Strategy availability may vary by state. See product rate chart for more details.

 

 2022 Base Product2023 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 U.S. Real Estate ETF 1-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 U.S. Real Estate ETF 1-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:

 

RILA Circle2022 Base Product
RILA Square2023 Product Enhancements (includes 2022 Base Product strategies)
RILA Triangle2024 Product Enhancements (includes 2022 Base Product + 2023 Product Enhancements strategies)
Blank: Pending Approval
Highlighted: Most Recent Approvals
 Index Summit 6 Index Summit 6 Pro Index Achiever Advisory
AlabamaRILA Triangle
RILA Triangle
RILA Triangle
Alaska 
RILA Square
ArizonaRILA TriangleRILA TriangleRILA Triangle
ArkansasRILA TriangleRILA TriangleRILA Triangle
CaliforniaRILA TriangleRILA TriangleRILA Triangle
ColoradoRILA TriangleRILA TriangleRILA Triangle
ConnecticutRILA TriangleRILA TriangleRILA Triangle
DelawareRILA TriangleRILA TriangleRILA Triangle
District of ColumbiaRILA SquareRILA SquareRILA Square
FloridaRILA TriangleRILA TriangleRILA Triangle
GeorgiaRILA TriangleRILA TriangleRILA Triangle
HawaiiRILA TriangleRILA TriangleRILA Triangle
IdahoRILA TriangleRILA TriangleRILA Triangle
IllinoisRILA TriangleRILA TriangleRILA Triangle
IndianaRILA TriangleRILA TriangleRILA Square
IowaRILA TriangleRILA TriangleRILA Triangle
KansasRILA TriangleRILA TriangleRILA Triangle
KentuckyRILA TriangleRILA TriangleRILA Triangle
LouisianaRILA TriangleRILA TriangleRILA Triangle
MaineRILA TriangleRILA TriangleRILA Triangle
MarylandRILA TriangleRILA TriangleRILA Triangle
MassachusettsRILA TriangleRILA TriangleRILA Triangle
MichiganRILA TriangleRILA TriangleRILA Triangle
MinnesotaRILA TriangleRILA TriangleRILA Triangle
MississippiRILA TriangleRILA TriangleRILA Triangle
MissouriRILA CircleRILA CircleRILA Circle
MontanaRILA SquareRILA SquareRILA Square
NebraskaRILA TriangleRILA TriangleRILA Triangle
NevadaRILA TriangleRILA TriangleRILA Triangle
New HampshireRILA TriangleRILA TriangleRILA Triangle
New JerseyRILA TriangleRILA Triangle 
New MexicoRILA TriangleRILA TriangleRILA Triangle
North CarolinaRILA TriangleRILA TriangleRILA Triangle
North DakotaRILA TriangleRILA TriangleRILA Triangle
OhioRILA TriangleRILA TriangleRILA Triangle
OklahomaRILA TriangleRILA TriangleRILA Triangle
Oregon   
PennsylvaniaRILA CircleRILA TriangleRILA Circle
Rhode IslandRILA TriangleRILA TriangleRILA Triangle
South CarolinaRILA TriangleRILA TriangleRILA Triangle
South DakotaRILA TriangleRILA TriangleRILA Triangle
TennesseeRILA TriangleRILA TriangleRILA Triangle
TexasRILA TriangleRILA TriangleRILA Triangle
UtahRILA TriangleRILA TriangleRILA Triangle
VermontRILA TriangleRILA TriangleRILA Triangle
VirginiaRILA SquareRILA SquareRILA Square
WashingtonRILA TriangleRILA TriangleRILA Triangle
West VirginiaRILA TriangleRILA TriangleRILA Triangle
WisconsinRILA TriangleRILA TriangleRILA Triangle
WyomingRILA TriangleRILA TriangleRILA Triangle


 

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