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MassMutual Ascend Life Insurance Company
American Valor 10
(RETIRED)
A Fixed Indexed Annuity with a 10-year surrender period.
This product is not available in *** *** *** *** *** *** *** *** ***
Ratings
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A.M. Best : A++ |
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Moody's: A2 |
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Standard & Poor's: A+ |
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Weiss: NR |
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Rates
|
Current Rates xx/xx/xxxx |
Guaranteed Minimum Values |
|
Cap |
Part Rate |
Cap |
Part Rate |
1 Year S&P 500 Annual Point-to-Point
|
***
|
***
|
*** |
*** |
1 Year US Retiree Spending Annual Point-to-Point
|
***
|
***
|
*** |
*** |
1-Year S&P 500 Risk Control with Participation
|
***
|
***
|
*** |
*** |
1 Year Declared Rate Strategy
(Rate guaranteed for 1
Year)
|
*.** %
|
*.** %
|
|
State Specified Minimum Interest Rate: ****
Premium Bonus
Year: |
1 |
2 |
3 |
|
Bonus Rate: |
****
|
****
|
****
|
|
A flexible premium fixed-indexed --[ subscription required to view full text ]--
* ******** ******* *****-******* ******* ******** * @************@ ******* ***** ** *** ***** @*****************@ ******** ***** **** * @*******@-**** ***** ********** ******.
******** *******
***** ***** ** *** *** *** *** **** ** **** *****. ******** ******** ******** ****** *** ********* ** * **** *** ****** ** * ******* ******* (****** *** ******** ******* *******) ***** ** **** ** ******** ******** ***** ***** ** ** ****** ** *** ******** ********.
&****;
*** ** *** ********* ****** **** ** ********* **** *** ********:
**************—**** **-**,
*********** **********—**** **-**,
***************® ****—**** **-**
Provisions
Free Look Period: |
****
|
(Free look period may vary by state) |
Rate Lock Protection: |
****
|
Bail Out Provision Available: |
*** |
*** *** ***: |
**** |
Loan Provision Available: |
*** |
*** *** ***: |
**** |
Tax Sheltered: |
*** |
|
Market Value Adjustment: |
*** |
MRD: |
*** |
Front-End Fee: |
*** |
Annual Maintenance Fee: |
*** |
Return of Premium Available: |
*** |
Death Benefit is: |
*** **** |
|
Premiums
|
Non-Qual |
Qualified |
Min Single Premium: |
**** |
******* |
Max Single Premium: |
|
|
Age < xx: |
**** |
******* |
Age > xx: |
**** |
******* |
Payroll Deduction: |
**** |
**** |
Min Added Premium: |
**** |
**** |
Flexible Premiums ******* : |
****
|
|
Min Single Premium Impaired: |
****** |
****** |
Min Single Premium Period Certain: |
****** |
****** |
|
|
Age Restrictions
|
Min Age |
Non-Qual
| Qualified
|
Owner: |
|
***** |
***** |
Annuitant: |
***** |
***** |
***** |
Impaired: |
|
***** |
***** |
Annuitization Age: |
|
***** |
***** |
***** ***** ***** ****** *** **** * ***** ****** *** ****** ***** ** ******** ***
***** ***** ***** ****** *** **** * ***** ***** ***** ***** ****** *** **** * *****
|
|
|
Systematic Withdrawals
Systematic withdrawals are ***** ** *** ****** ****
*****************: **** ****** **** *****
**** *** ***** ** $****.**
*** *** ****** *** $****.**
**** ***** ******* ***** ******* * ****** ***** ****
NOT AVAILABLE IN OR: --[ subscription required to view full text ]--
*** ********* ** **: ******* *****-**-***** *** ***** **** ******* ********* *******
********* ** **: * **** ***** ******* @ *.*% *** *&* *** ****** *****-**-***** ** *** ****.
Commissions
Effective date of commission schedule: 05/21/2018 |
Commissions are ******* ** ***** *** ** ******* **** ***** ******* **** ***** ****** **** **** ** ******* *****.
|
25 Trail
American Valor 10
|
Up to age 75 |
Year 1 |
Year 2 |
Year 3 |
Year 4 |
Year 5 |
Year 6 |
Year 7 |
Year 8 |
Year 9 |
Year 10 |
Year 11 |
Initial Premium: |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
Renewal Premiums: |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
Trail: |
Trail years ***+ is ***** |
Ages 76-80 |
Year 1 |
Year 2 |
Year 3 |
Year 4 |
Year 5 |
Year 6 |
Year 7 |
Year 8 |
Year 9 |
Year 10 |
Year 11 |
Initial Premium: |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
Renewal Premiums: |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
Trail: |
Trail years ***+ is ***** |
Ages 81-85 |
Year 1 |
Year 2 |
Year 3 |
Year 4 |
Year 5 |
Year 6 |
Year 7 |
Year 8 |
Year 9 |
Year 10 |
Year 11 |
Initial Premium: |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
Renewal Premiums: |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
Trail: |
Trail years ***+ is ***** |
40 Trail
American Valor 10
|
Up to age 75 |
Year 1 |
Year 2 |
Year 3 |
Year 4 |
Year 5 |
Year 6 |
Year 7 |
Year 8 |
Year 9 |
Year 10 |
Year 11 |
Initial Premium: |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
Renewal Premiums: |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
Trail: |
Trail years ***+ is ***** |
Ages 76-80 |
Year 1 |
Year 2 |
Year 3 |
Year 4 |
Year 5 |
Year 6 |
Year 7 |
Year 8 |
Year 9 |
Year 10 |
Year 11 |
Initial Premium: |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
Renewal Premiums: |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
Trail: |
Trail years ***+ is ***** |
Ages 81-85 |
Year 1 |
Year 2 |
Year 3 |
Year 4 |
Year 5 |
Year 6 |
Year 7 |
Year 8 |
Year 9 |
Year 10 |
Year 11 |
Initial Premium: |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
Renewal Premiums: |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
Trail: |
Trail years ***+ is ***** |
50 Trail
American Valor 10
|
Up to age 75 |
Year 1 |
Year 2 |
Year 3 |
Year 4 |
Year 5 |
Year 6 |
Year 7 |
Year 8 |
Year 9 |
Year 10 |
Year 11 |
Initial Premium: |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
Renewal Premiums: |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
Trail: |
Trail years ***+ is ***** |
Ages 76-80 |
Year 1 |
Year 2 |
Year 3 |
Year 4 |
Year 5 |
Year 6 |
Year 7 |
Year 8 |
Year 9 |
Year 10 |
Year 11 |
Initial Premium: |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
Renewal Premiums: |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
Trail: |
Trail years ***+ is ***** |
Ages 81-85 |
Year 1 |
Year 2 |
Year 3 |
Year 4 |
Year 5 |
Year 6 |
Year 7 |
Year 8 |
Year 9 |
Year 10 |
Year 11 |
Initial Premium: |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
Renewal Premiums: |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
Trail: |
Trail years ***+ is ***** |
60 Trail
American Valor 10
|
Up to age 70 |
Year 1 |
Year 2 |
Year 3 |
Year 4 |
Year 5 |
Year 6 |
Year 7 |
Year 8 |
Year 9 |
Year 10 |
Year 11 |
Initial Premium: |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
Trail: |
Trail years ***+ is ***** |
Ages 71-80 |
Year 1 |
Year 2 |
Year 3 |
Year 4 |
Year 5 |
Year 6 |
Year 7 |
Year 8 |
Year 9 |
Year 10 |
Year 11 |
Initial Premium: |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
Trail: |
Trail years ***+ is ***** |
Ages 81-85 |
Year 1 |
Year 2 |
Year 3 |
Year 4 |
Year 5 |
Year 6 |
Year 7 |
Year 8 |
Year 9 |
Year 10 |
Year 11 |
Initial Premium: |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
Trail: |
Trail years ***+ is ***** |
75 Trail
American Valor 10
|
Up to age 75 |
Year 1 |
Year 2 |
Year 3 |
Year 4 |
Year 5 |
Year 6 |
Year 7 |
Year 8 |
Year 9 |
Year 10 |
Year 11 |
Initial Premium: |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
Trail: |
Trail years ***+ is ***** |
Ages 76-80 |
Year 1 |
Year 2 |
Year 3 |
Year 4 |
Year 5 |
Year 6 |
Year 7 |
Year 8 |
Year 9 |
Year 10 |
Year 11 |
Initial Premium: |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
Trail: |
Trail years ***+ is ***** |
Ages 81+ |
Year 1 |
Year 2 |
Year 3 |
Year 4 |
Year 5 |
Year 6 |
Year 7 |
Year 8 |
Year 9 |
Year 10 |
Year 11 |
Initial Premium: |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
Trail: |
Trail years ***+ is ***** |
Level AV
American Valor 10
|
All permitted ages |
Year 1 |
Year 2 |
Year 3 |
Year 4 |
Year 5 |
Year 6 |
Year 7 |
Year 8 |
Year 9 |
Year 10 |
Year 11 |
Initial Premium: |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
Trail: |
Trail years ***+ is ***** |
NT
American Valor 10
|
Up to age 75 |
Year 1 |
Year 2 |
Year 3 |
Year 4 |
Year 5 |
Year 6 |
Year 7 |
Year 8 |
Year 9 |
Year 10 |
Year 11 |
Initial Premium: |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
Renewal Premiums: |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
Ages 76-80 |
Year 1 |
Year 2 |
Year 3 |
Year 4 |
Year 5 |
Year 6 |
Year 7 |
Year 8 |
Year 9 |
Year 10 |
Year 11 |
Initial Premium: |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
Renewal Premiums: |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
Ages 81+ |
Year 1 |
Year 2 |
Year 3 |
Year 4 |
Year 5 |
Year 6 |
Year 7 |
Year 8 |
Year 9 |
Year 10 |
Year 11 |
Initial Premium: |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
Renewal Premiums: |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
Trail AV
American Valor 10
|
Up to age 75 |
Year 1 |
Year 2 |
Year 3 |
Year 4 |
Year 5 |
Year 6 |
Year 7 |
Year 8 |
Year 9 |
Year 10 |
Year 11 |
Initial Premium: |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
Renewal Premiums: |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
Trail: |
Trail years ***+ is ***** |
Ages 76-80 |
Year 1 |
Year 2 |
Year 3 |
Year 4 |
Year 5 |
Year 6 |
Year 7 |
Year 8 |
Year 9 |
Year 10 |
Year 11 |
Initial Premium: |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
Renewal Premiums: |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
Trail: |
Trail years ***+ is ***** |
Ages 81+ |
Year 1 |
Year 2 |
Year 3 |
Year 4 |
Year 5 |
Year 6 |
Year 7 |
Year 8 |
Year 9 |
Year 10 |
Year 11 |
Initial Premium: |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
Renewal Premiums: |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
Trail: |
Trail years ***+ is ***** |
Related Information
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