Unique Solutions For Today’s Unpredictable Market

Investing in equities can be a lucrative way to grow a financial portfolio. However, with no protection against loss, equities may be too risky for your clients that are nearing or in retirement. To bring a level of protection to their portfolios, you may recommend fixed income investments. But, mitigating risk could mean getting little in return.

It may be time to consider a registered index-linked annuity from MassMutual Ascend. A registered index-linked annuity can help clients take advantage of market growth while reducing exposure to risk through various types of downside protection, like floors, buffers and downside participation rates.

A Balance Of Growth And Protection


Participate in market growth

Clients earn returns based, in part, on the positive performance of an external index.


Limit downside risk

Reduced downside exposure provides partial protection against market loss.


Take advantage of tax deferral

Tax-deferred growth allows clients' money to grow at a faster rate.


Leave a legacy

Return of premium death benefit allows clients to leave a legacy for loved ones.

Multiple Products To Choose From

Index Frontier 7, Index Frontier 7 Pro and Index Summit 6 Pro Named Barron's Top 100 Annuities

Index Frontier and Index Frontier Pro

  • May be a fit for clients seeking greater protection from loss

  • Upside potential limited by a cap

  • Downside risk limited by a floor or a buffer

  • 1-year term strategies available

  • Index Frontier 7 and Index Frontier 7 Pro appear on Barron's list of Top 100 Annuities1

  • Index Frontier Pro annuities offer greater earning potential in exchange for an annual fee2

Index Summit 6 and Index Summit 6 Pro

  • May be a fit for clients willing to take on more risk in exchange for greater growth potential

  • Upside potential limited by an upside participation rate or a cap

  • Downside risk limited by a downside participation rate or buffer

  • 1-year, 2-year and 6-year term strategies available

  • Index Summit 6 Pro appears on Barron’s list of Top 100 Annuities1

  • Index Summit 6 Pro annuity offers greater earning potential in exchange for an annual fee2



Market-Linked Growth With Built-In Protection

Each of MassMutual Ascend’s registered index-linked annuities offer indexed strategies to help your clients accumulate more for retirement. Funds in an indexed strategy earn returns based, in part, on the positive performance of an external index, such as the S&P 500®

When index performance is positive during a term, the annuity earns a return, limited by either a cap or upside participation rate. When index performance is negative during a term, the annuity could lose value, limited by a floor, buffer or downside participation rate. This means your clients can participate in market growth, while knowing their loss potential is limited when the market experiences downturns.

Why Choose MassMutual Ascend?

As a leading provider of annuities, we see our products as more than just contracts. Our annuities are transparent and easier to understand, so they are simple to explain and your clients always know what to expect.

We have a long history of financial strength and stability. We’ve received an “A” or higher rating by AM Best for more than 40 years, so you and your clients can have confidence knowing we’ll be here when you need us. We are a wholly owned subsidiary of MassMutual, one of the largest life insurance companies in the U.S., founded in 1851.

And finally, everything we do is rooted in a culture of service. From our people to our technology, we strive to always provide you and your clients with what you need, when you need it.

1Barron's, July 2022

2On the Index Frontier 5 Pro, Index Frontier 7 Pro and Index Summit 6 Pro, a fee is deducted from each strategy on a daily basis and compounds to an effective annual rate of 0.50%, 1.00% and 0.75%, respectively. Please see product prospectus for more information on contract fees and how they are used.

All sales materials must be preceded or accompanied by a prospectus. To obtain a copy of the prospectus, please visit MassMutualAscend.com/RILArates In the Index Frontier contract and prospectus, a cap is referred to as a maximum gain, and a floor is referred to as a maximum loss.

Annuities are intended to be long-term products and may not be suitable for all investors. Withdrawals from an annuity contract may have tax consequences.

These products can only be sold through a Broker/Dealer that is contracted with MassMutual Ascend Life Insurance Company. Principal Underwriter/Distributor: MM Ascend Life Investor Services, LLC, member FINRA and an affiliate of MassMutual Ascend Life Insurance Company. Products issued by MassMutual Ascend Life Insurance Company, a wholly owned subsidiary of Massachusetts Mutual Life Insurance Company (MassMutual) under contract forms P1822217NW, P1822317NW, P1825218NW, P1833421NW, P1833521NW and P1833621NW. Contract form numbers may vary by state. Products and features may vary by state, and may not be available in all states. All guarantees subject to the claims-paying ability of MassMutual Ascend.

The S&P 500 Index is a product of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”) and has been licensed for use by MassMutual Ascend. Standard & Poor’s® and S&P® are registered trademarks of Standard & Poor’s Financial Services LLC (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by MassMutual Ascend. MassMutual Ascend’s products are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, or their respective affiliates, and none of such parties makes any representation regarding the advisability of investing in such products nor do they have any liability for any errors, omissions, or interruptions of the S&P 500 Index.

For Producer Use Only. Not For Use In Sales Solicitation.

To learn more, call 888-504-7109 or Email us