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Product Details
Safe Return
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Product Name
Safe Return
Annuity Type
FIA
Issuing Insurance Company and Ratings
MassMutual Ascend Life Insurance Company
Ratings
Product Information
The Safe Return is a modified single premium fixed-indexed annuity with a 10 year surrender schedule and featuring: • The safety of a guaranteed Return of Premium • Indexed strategies with a bailout feature • Included and Optional riders
Key Features
Premium Types: 1st Year or Less
Minimum Premium: 25,000
Maximum Premium: 1,000,000
Free Look Period: 30 Days
Rate Lock Period: 60 Days
Tax-Qualified: 457, IRA, NonQual, SEP IRA, TSA 403b, IRA-Roth, IRA-Simple, IRA Transfer, IRA Rollover, Inherited IRA
Rates
Effective Date: 21/01/2026
Initial Guarantee Period: N/A
Next Change: N/A
Premium Amount: $100,000 - See Notes (High-Band)
3 Year Guarantee Period Annual Yield:
Interest rate start of year 1 through end of year 3:
Current
4.05%
4.05%
Premium Amount: 25,000 - 1,000,000
Current
0 Year Guarantee Period Annual Yield:
4.25%
Interest rate start of year 1 through end of year 0:
4.25%
Accumulation Value (assuming no withdrawals)
Accumulation Value (assuming no withdrawals)
Deposit Amount: $
Premium Amount: $100,000 - See Notes (Low-Band)
Accepts additional premium during the first two months of the contract.
Interest rate start of year 1 through end of year 3:
Current
4.05%
4.05%
Accumulation Value (assuming no withdrawals)
Deposit Amount: $
State Approvals
N/A
Withdrawal Provisions
First Year Withdrawals: 10%
Withdrawal Years 2+: 10%
Wait Period Interest Only : No Wait
Withdraw from the accumulation Value After : Immediately
Minimum Policy Value : $5,000
Withdrawl Calculated On: Accumulation
Date For Calculation: Issue
Systematic Withdrawl: Yes
Min Withdrawl Amount: $500
Cumulative Free Withdrawl: No
Eligibility & Restrictions
Age Limits(Owner and Annuitant): 85
Premium Limits: Accepts additional premium during the first two months of the contract.
State Restrictions: Not available in GU NY PR VI
