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 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
 Index Summit 6 Index Summit 6 Pro Index Achiever Advisory
AlabamaRILA Triangle
RILA Triangle
RILA Triangle
AlaskaRILA CircleRILA Circle
RILA Square
ArizonaRILA SquareRILA SquareRILA Square
ArkansasRILA TriangleRILA TriangleRILA Triangle
CaliforniaRILA SquareRILA SquareRILA Square
ColoradoRILA SquareRILA SquareRILA Square
ConnecticutRILA SquareRILA SquareRILA Square
DelawareRILA TriangleRILA TriangleRILA Triangle
District of ColumbiaRILA SquareRILA SquareRILA Square
FloridaRILA SquareRILA SquareRILA Square
GeorgiaRILA TriangleRILA TriangleRILA Triangle
HawaiiRILA SquareRILA SquareRILA Square
IdahoRILA SquareRILA SquareRILA Square
IllinoisRILA TriangleRILA TriangleRILA Triangle
IndianaRILA SquareRILA SquareRILA Square
IowaRILA TriangleRILA TriangleRILA Triangle
KansasRILA TriangleRILA TriangleRILA Triangle
KentuckyRILA TriangleRILA TriangleRILA Triangle
LouisianaRILA SquareRILA SquareRILA Square
MaineRILA TriangleRILA TriangleRILA Triangle
MarylandRILA SquareRILA SquareRILA Square
MassachusettsRILA TriangleRILA TriangleRILA Triangle
MichiganRILA TriangleRILA TriangleRILA Triangle
MinnesotaRILA CircleRILA CircleRILA Square
MississippiRILA SquareRILA SquareRILA Square
MissouriRILA CircleRILA CircleRILA Circle
MontanaRILA SquareRILA SquareRILA Square
NebraskaRILA CircleRILA CircleRILA Circle
NevadaRILA TriangleRILA TriangleRILA Triangle
New HampshireRILA TriangleRILA TriangleRILA Triangle
New JerseyRILA SquareRILA Square 
New MexicoRILA SquareRILA SquareRILA Square
North CarolinaRILA SquareRILA SquareRILA Square
North DakotaRILA TriangleRILA TriangleRILA Triangle
OhioRILA SquareRILA SquareRILA Square
OklahomaRILA TriangleRILA TriangleRILA Triangle
Oregon   
PennsylvaniaRILA CircleRILA CircleRILA 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 SquareRILA SquareRILA Square
VermontRILA TriangleRILA TriangleRILA Triangle
VirginiaRILA SquareRILA SquareRILA Square
WashingtonRILA SquareRILA SquareRILA Square
West VirginiaRILA TriangleRILA TriangleRILA Triangle
WisconsinRILA TriangleRILA TriangleRILA Triangle
WyomingRILA TriangleRILA TriangleRILA Triangle