The Index Protector 5 MVA fixed-indexed annuity (FIA) can bring balance to client portfolios by offering market-linked growth opportunity with complete protection against market loss. This advisory solution offers:
- Participation in positive market performance
- Complete protection from market loss
- No early withdrawal charges
- A market value adjustment that ends after just five years
- Liquidity options, including 10% penalty-free withdrawals beginning in year one
Income Ascender Advisory rider
For those seeking enhanced income benefits, clients can add the Income Ascender Advisory rider to their Index Protector 5 MVA contract. For an annual charge, this optional income rider offers:
- The option to start rider income payments immediately if age 55+
- Competitive payout percentages
- Flexibility with single and joint lifetime income options
- Refund of rider charges at death if income payments have not started
View Income Ascender Advisory Brochure >
Launch Income Ascender Advisory Calculator >
Index Protector 5 MVA market value adjustment calculator
Index Protector 5 MVA Calculator
The Index Protector 5 MVA features a market value adjustment (MVA) that applies during the first five contract years. An MVA will apply if the contract is surrendered or if a withdrawal exceeding the 10% MVA-free withdrawal amount is taken. An MVA may increase or decrease contract values depending on changes in the MVA index interest rate since the contract effective date.
Input the required information below to learn what the estimated MVA would be on an Index Protector 5 MVA contract.
The estimated MVA rate is calculated as of the date prior to the input date. The calculator determines an MVA amount based on that rate and includes the estimated MVA amount in the surrender value shown above.
The surrender value shown above is not the account value or the surrender value of any actual contract, which may be higher or lower.
The calculator does not take into account any amount excluded from the MVA as an MVA-free withdrawal or the limits set by the maximum MVA. These factors could reduce the estimated MVA amount. In the case of a positive MVA, this reduction would result in an increase in the surrender value. In the case of a negative MVA, this reduction would result in a decrease in the surrender value.
To access contract value information for an in-force contract, log into MyBusiness.MassMutualAscend.com.
For producer use only. Not for use in sales solicitation.
Offering advisory annuities
The Index Protector 5 MVA is built for the advisory model and can be seamlessly integrated into your practice. Submitting business is easy, and with platform integrations and digital capabilities that simplify administration, our advisory solutions complement modern advisory relationships — not complicate them.
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