Index Protector 4

Diversify your clients’ portfolios with Index Protector 4. Intended for distribution by Investment Advisor Representatives doing fee-based planning, this zero commission fixed-indexed annuity offers:
• Protection from market loss
• Growth opportunity with multiple indexed strategies
• Early withdrawal charges that end after 4 years

For a complete product description, see the Product Overview in the Marketing Materials section below.
Find more resources at MassMutualAscendRIA.com.

Details

Issue Ages

Inherited non-qualified 0-75Inherited IRA 0-75Qualified 0-90Non-qualified 0-90In Texas, contracts can only be issued up to age 86

Tax Qualifications

Non-qualifiedQualifiedInherited non-qualified403(b) (Traditional and Roth)IRA (Traditional, Roth, SEP, SIMPLE and Inherited)457(b)401(a)

Purchase Payments

Subsequent purchase payments accepted in first two contract monthsIssued with single purchase payment

Purchase Payment Minimums and Maximums

Minimum:

$50,000

Subsequent:

$25,000

Maximum:

$2 million for ages 0-75
$1.5 million for ages 76-80
$1 million for ages 81+ without prior Home Office approval

Early Withdrawal Charges

4-year: 5.6%, 5.6%, 5.6%, 5.6%

Free Withdrawal Allowance

During the first contract year, 10% of purchase payments may be withdrawn without an early withdrawal charge.After the first contract year, 10% of the account value as of the most recent contract anniversary may be withdrawn without an early withdrawal charge.

Waivers

Terminal Illness WaiverExtended Care Waiver

Interest Strategies

Declared RateS&P 500 1-Year Point-to-Point with CapiShares U.S. Real Estate 1-Year Point-to-Point with CapS&P 500 Risk Control 1-Year Point-to-Point with Par RateS&P U.S. Retiree Spending 1-Year Point-to-Point with Par RateiShares MSCI EAFE 1-Year Point-to-Point with Cap

Guaranteed Minimum Surrender Value (GMSV)

87.5% of purchase payments, plus interest credited daily at a guaranteed minimum rate less prior withdrawals, net of applicable early withdrawal charges.

Payout Options

Fixed period payoutLife payoutLife payout with payments for at least a fixed periodJoint and one-half survivor payout

Marketing Materials

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