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Premier Income Bonus A fixed-indexed annuity with a built-in income rider and a market value adjustment from MassMutual Ascend Life Insurance Company
Not a bank or credit union deposit or obligation • Not FDIC or NCUA-Insured • Not insured by any federal government agency • May lose value • Not guaranteed by any bank or credit union
Photo submitted by Louis from Pennsylvania , valued annuity customer since 2021 .
Confidently plan for your future with the Premier Income Bonus
When you envision a future that fulfills you, maybe you see yourself traveling, cooking, spending time with family or discovering a new hobby. Whatever it is, our goal is to help you navigate your future with confidence.
THE PREMIER INCOME BONUS FIXED-INDEXED ANNUITY OFFERS:
Growth opportunity
You can allocate your money to interest strategies that may help you accumulate additional savings.
Protection from loss Regardless of market conditions, you won’t lose the money you contribute to your annuity unless you take a withdrawal or surrender your annuity during its early withdrawal charge period. Guaranteed income with a rider When you’re ready to turn the money you’ve accumulated in your annuity into guaranteed income, you can select from a variety of options, including payments that will last for the rest of your life. Tax treatment that allows faster growth You don’t pay taxes on the interest your annuity earns until you start receiving payments or take a withdrawal. That means your money can grow at a faster rate than it would in a taxable product.
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An annuity is a financial product that’s designed to protect and grow your money, and then provide a stream of guaranteed income. Annuity basics
HERE'S HOW IT WORKS:
You purchase an annuity by making a payment to an insurance company.
Your annuity can grow in value over time.
When you're ready to start receiving income, your annuity can be turned into a steady stream of payments.
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Other than pensions, annuities are the only products that provide guaranteed lifetime income.
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Choose how you want your money to grow
A fixed-indexed annuity protects your principal, locks in your earnings and guarantees your annuity values will not fall below a minimum value. Principal protection: Offers the unique opportunity to earn interest based on market performance without the risk of market loss. The money you contribute to your annuity cannot be lost unless you take a withdrawal or surrender your annuity during the early withdrawal charge period. Locked-in earnings: Any interest credited to your annuity is locked in and protected from market declines. This means if your account value increases, you can rest assured it will not decrease due to market performance. Guaranteed minimum surrender value: The amount payable to you if you surrender your annuity will never be less than the Guaranteed Minimum Surrender Value (GMSV). The GMSV includes interest that is credited daily at a fixed rate set out in your annuity. This means in certain situations when your annuity earns no interest due to flat or declining index performance, the amount payable upon surrender may still be greater than the amount of money you contributed to your annuity.
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Fixed-indexed annuities offer multiple interest strategies to help you build your savings. A fixed-indexed annuity has two phases – an accumulation phase and an income phase. During the accumulation phase, the money you contribute to your annuity can earn interest tied to positive market performance. During the income phase, the money you’ve earned in your annuity can be turned into a stream of income payments.
We offer two types of strategies during the accumulation phase:
• A declared rate strategy allows you to grow your money at a fixed interest rate that is set at the beginning of each term. • Indexed strategies offer you the unique opportunity to earn interest based, in part, on market performance without the risk of market loss. You have the flexibility to choose the strategies that are right for you. We know your needs may change over time, so you can revisit your strategy selections at the end of each term.
See page six for more information on how the indexed strategies work.
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Money in an indexed strategy earns interest based on positive market performance. Interest is credited on the last day of each term year and is guaranteed to never be less than 0% . Indexed strategies offer growth opportunity that’s tied to market performance
The Premier Income Bonus ® offers point-to-point indexed strategies, some with cap lock.
A point-to-point strategy compares the closing value of an index – such as the S&P 500 ® – at the end of a term to the closing value on the first day of the term. If the result is positive, interest is credited. If the result is negative or flat, the credited interest rate is 0%. A point-to-point with cap lock strategy locks in your cap – or your maximum earning potential – for the duration of the cap lock period. The amount of interest credited at the end of the term year is limited by either a cap or a participation rate. • A cap is the maximum interest rate that will be credited for a term year. • A participation rate is the percentage of a positive index change that will be credited for a term year.
Any interest credited to your account value is locked in at the end of each term year and cannot be lost due to future market performance.
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Indexed strategies also keep your money protected from market declines Not only do indexed strategies provide the opportunity to earn interest based on market growth, but they keep your money protected in the event of market declines. When index performance is positive, interest is credited to your annuity and it's locked in. This means, your annuity cannot lose value due to future market performance. On the other hand, if index performance is negative, you won't lose money. But, you can still earn interest during future terms. Let’s take a look at how it works.
HOW INDEXED STRATEGIES WORK
ACCOUNT VALUE
INDEX PERFORMANCE
YEAR 1
YEAR 2
YEAR 3
YEAR 4
YEAR 3
YEAR 2
YEAR 1
Index performance is positive. Your annuity earns interest that is locked in and protected from future index declines.
Index performance is negative.
The index begins to recover. Your annuity earns
Your principal and earnings remain protected, leaving your account value unchanged .
interest, even though the index has not made up its previous loss.
The example above is for illustrative purposes only. It does not reflect actual index performance.
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Maximize your income potential The Premier Income Bonus features a rider benefit base that is used to calculate your rider income payments. It starts with your purchase payments and increases by a rider bonus and rollup credits.
Rider bonus
The rider benefit base receives a bonus equal to 6% of all purchase payments.
Rollup credits
At the end of each year during the rollup period, your benefit base will increase by 6% of all of the purchase payments that we receive from you. The amount added to your benefit base is referred to as a rollup credit. The maximum rollup period is 10 years. Rollup credits are subject to limitations set out in the rider.
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Receive guaranteed income for life
When you’re ready to start receiving rider income payments, you can select from two different income options. Both options provide a guaranteed stream of income for life. Income payments may begin at any time, as long as you meet the age requirements.
Single lifetime income
MAXIMUM INCOME PERCENTAGE TABLE
This option guarantees income payments for your lifetime. You must be at least age 55 when income payments begin. Joint lifetime income Income payments are guaranteed for the joint lifetimes of you and your spouse, or legally recognized domestic partner. You both must be at least age 55 on the income start date, and the younger age will be used to determine the income percentage. Calculating your income payment To determine the maximum amount of your annual income payments, we multiply your benefit base by your income percentage. The income percentage is based on age and the income options that you select. The income percentage is locked in once payments begin. Your income percentage increases 0.10% each year you wait to start payments until it reaches 7.5% for single lifetime income and 6.5% for joint lifetime income.
Age at income start date
Single lifetime income
Joint lifetime income
55 60 65 66 67 68 69 70 71 72 73 74 75 80 85
4.0% 3.0% 4.5% 3.5% 5.0% 4.0% 5.1% 4.1% 5.2% 4.2% 5.3% 4.3% 5.4% 4.4% 5.5% 4.5% 5.6% 4.6% 5.7% 4.7% 5.8% 4.8% 5.9% 4.9% 6.0% 5.0% 6.5% 5.5% 7.0% 6.0%
90+ 7.5% 6.5% If joint lifetime, use the age of the younger spouse (or domestic partner).
You may forgo a rider income payment in any year, but that income payment may not be carried over to the next year. The total income amount that can be taken in a year will never be less than any applicable required minimum distribution.
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Case study: Learn from Sarah To understand how the Premier Income Bonus offers guaranteed income, consider Sarah in the hypothetical example below.
About Sarah
• She is 57 years old and plans to retire in 10 years.
• She wants to supplement her Social Security income to maintain her current lifestyle.
• Her biggest fear is outliving her money.
Finding an income solution
Sarah purchases a Premier Income Bonus annuity with a $100,000 purchase payment. See how she receives guaranteed growth and lifetime income.
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Step 1: Sarah’s benefit base grows
Sarah’s benefit base immediately receives a 6% bonus, and rollup credits are applied to the benefit base during the 10-year rollup period. At the end of this period, Sarah’s benefit base has grown to $169,600 because she did not take any withdrawals or income payments.
Benefit base Account value
END OF CONTRACT YEAR
Example assumes no withdrawals are taken, a 6% rollup bonus and a 6% simple interest rollup credit. Account value assumes a 5% annual growth rate and a 1.15% annual rider charge. If the benefit base received the minimum rider bonus of 2% and grew at the minimum rollup percentage of 2%, the benefit base would have grown to $122,400.
Step 2: Sarah decides to take income payments
At age 67 (at the end of contract year 10), Sarah chooses to start taking income payments on an annual basis. Step 3: Sarah’s income percentage is determined Her income percentage is set at 5.2% based on her age (67) and selected income option (single lifetime income). Step 4: Sarah receives income for life Based on her benefit base ($169,600) and income percentage (5.2%), Sarah will receive $8,819 (169,600 x 5.2%) each year for the rest of her life even if her account value is depleted.
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The Premier Income Bonus is intended to be a long-term product. However, you will have access to a portion of your money each year with penalty-free withdrawals, which are deducted from your account value. During the first contract year, you may withdraw up to 10% of your purchase payments. After the first contract year, 10% of the account value on the most recent contract anniversary may be withdrawn. It’s important to note withdrawals in excess of this amount may be subject to early withdrawal charges and a market value adjustment. Early withdrawal charges and market value adjustments end after seven years. Impact of withdrawals on your rider benefits Your benefit base will accumulate rollup credits as long as your withdrawal(s) does not exceed the free withdrawal allowance or required minimum distribution. Your benefit base will be reduced for withdrawals taken before rider income payments begin. After income payments have begun, your benefit base will also be reduced for any withdrawals that are greater than the rider payment amount. See the rider for complete details. It’s important to consider your liquidity needs
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MassMutual Ascend
Taking financial futures above and beyond At MassMutual Ascend, we are committed to going above and beyond – so when it comes to your financial future, the impossible feels possible. As a leading provider of annuities, we see our products as more than just contracts. Our annuities are transparent and easier to understand, so you always know what to expect. Our “A++” rating by AM Best follows more than 40 consecutive years of an “A” or higher rating. This means you 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 with what you need, when you need it. The status quo isn’t a status we ever want. At MassMutual Ascend, we’ll always be in pursuit of better – so you can navigate your future with confidence.
Learn more at MassMutualAscend.com.
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Premier Income Bonus features
ISSUE AGES PURCHASE PAYMENTS INTEREST STRATEGIES
40 - 85 (qualified and non-qualified)
You can purchase this annuity with an initial purchase payment of $10,000 or more. You can add to your annuity during the first two contract months with additional purchase payments of at least $2,000.
• Declared rate • S&P 500 ® 1-year point-to-point with cap
• S&P 500 Risk Control 1-year point-to-point with partcipation rate • S&P U.S. Retiree Spending 1-year point-to-point with participation rate • iShares U.S. Real Estate 1-year point-to-point with cap • First Trust Barclays Edge Index 1-year point-to-point with cap • First Trust Barclays Edge Index 1-year point-to-point with 7-year cap lock Available strategies may vary by state and by distribution.
TERM
• A term is the period over which interest is calculated for an indexed strategy. Indexed strategies available on this product offer one-year terms. You may reallocate funds among available strategies at the end of each one-year term. • The First Trust Barclays Edge Index 1-Year Point-To-Point with 7-Year Cap Lock strategy has seven one-year terms. The cap is locked in for all seven one-year terms. This strategy may only be selected during the first contract year. At the end of each one-year term, the ending value of this strategy may be applied to a new term of this strategy. No other amounts may be applied. At the end of each one-year term, you may also reallocate funds held in this strategy among other available strategies. Funds held in the strategy at the end of the seventh one-year term are automatically applied to the First Trust Barclays Edge Index 1-year point-to-point with cap strategy unless you elect otherwise. • Interest, if any, is credited on the last day of each term year on all indexed strategies. Includes built-in income rider with a 6% rider bonus, 6% rollup rate and 10-year rollup period. You may take income payments at any time (if age 55 or older). An annual rider charge of 1.15% will be taken at the end of each contract year. The charge is based on your benefit base and is deducted from your account value. It will be waived once your account value reaches zero due to income payments and rider charges. If you surrender the contract or terminate the rider, a prorated rider charge will apply at that time. The rider charge may increase upon a reset, a withdrawal that is more than your annuity’s free withdrawal allowance or a required minimum distribution, or a permitted transfer of your contract before income payments begin. Before you begin taking rider income payments, if your annuity’s account value exceeds your benefit base, you can choose to reset your benefit base to the account value. You may do this on any contract anniversary. If you choose to reset these amounts, a new rollup period will begin and the rider charge may increase.
BUILT-IN RIDER
RIDER CHARGES
RIDER RESETS
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PENALTY-FREE CONTRACT WITHDRAWALS EARLY WITHDRAWAL CHARGES
During the first contract year, you may withdraw up to 10% of your purchase payments. After the first contract year, 10% of the account value on the most recent contract anniversary may be withdrawn. Amounts withdrawn in excess of the penalty-free withdrawal allowance may be subject to early withdrawal charges and a market value adjustment. During the first seven contract years, an early withdrawal charge starting at 6% is applied to surrenders and withdrawals that exceed the 10% penalty-free amount. All charges end after seven years.
Contract year
1 2 3 4 5 6 7 8+ 6% 5% 4% 3% 3% 3% 3% 0%
Early withdrawal charge
MARKET VALUE ADJUSTMENT
A market value adjustment (MVA) will also apply if you surrender your contract during the first seven years. The MVA is calculated by comparing the value of a specific index at the time we receive each purchase payment to the value of the index when you choose to surrender your contract. This can result in an increase to your surrender value during a period of decreasing rates, or a decrease to your surrender value during a period of increasing rates. The MVA will also apply to withdrawals in excess of the 10% free-withdrawal allowance during the first seven contract years. The amount payable to you if you surrender your contract will never be less than the Guaranteed Minimum Surrender Value (GMSV). The GMSV is based on 87.5% of your purchase payments, plus interest credited daily at a guaranteed minimum interest rate. Ask your financial professional for the rate that will apply to your contract. This means, in certain situations when your contract earns no interest due to flat or declining index performance, the amount payable upon surrender may still be greater than the amount of money you contributed to your annuity. It’s important to remember the GMSV is reduced by prior withdrawals, including applicable early withdrawal charges and market value adjustments. The GMSV will not be less than the minimum values required by the state in which your annuity is issued. Extended care waiver rider: After the first contract year, if you are confined to a nursing home or long-term care facility for at least 90 consecutive days, you have the option to withdraw up to 100% of the account value without incurring an early withdrawal charge. Terminal illness waiver rider: After the first contract year, if you are diagnosed by a physician as having a terminal illness, you have the option to withdraw up to 100% of the account value without incurring an early withdrawal charge. A terminal illness is defined as having a prognosis of survival of 12 months or less, or a longer period as required by state law. Extended care and terminal illness waiver riders are not available in Massachusetts. In California, the Extended Care Waiver Rider has been replaced with the Waiver of Early Withdrawal Charges for Facility Care or Home Care or Community-Based Services Rider, which provides for a waiver of early withdrawal charges under an expanded variety of circumstances. Before rider income payments begin: If your contract has a successor owner, the rider continues and the successor owner becomes the “Insured” for purposes of income payments. If no successor owner, the rider terminates and the contract’s death benefit is payable. After rider income payments begin: If your contract has a successor owner and the single lifetime income option is in effect, the rider terminates. If the joint lifetime income option is in effect, rider income payments continue. If no successor owner, the rider terminates and the contract’s death benefit is payable.
GUARANTEED MINIMUM SURRENDER VALUE
INCLUDED WAIVER RIDERS
DEATH BENEFIT
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The S&P 500 Risk Control 10% Index refers to the S&P 500 Average Daily Risk Control 10% USD Price Return Index. For more information, visit US.SPIndices.com and search keyword SPXAV10P. For more information on the S&P U.S. Retiree Spending Index, visit US.SPIndices.com and search keyword SPRETIRE. For more information on the iShares U.S. Real Estate ETF, visit iShares.com and search ticker symbol IYR. The “S&P 500 ® Index”, the “S&P 500 Average Daily Risk Control 10% Price Return Index” and the “S&P U.S. Retiree Spending Index” are products of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”) and has been licensed for use by MassMutual Ascend Life Insurance Company. S&P ® , S&P 500 ® , S&P 500 Average Daily Risk Control 10%™, US 500, The 500, iBoxx ® , iTraxx ® and CDX ® are trademarks of S&P Global, Inc. or its affiliates (“S&P”); Dow Jones ® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); MassMutual Ascend Life Insurance Company’s products are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates, and none of such parties make 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, the S&P 500 Average Daily Risk Control 10% Price Return Index and the S&P U.S. Retiree Spending Index. The iShares U.S. Real Estate ETF is distributed by BlackRock Investments, LLC. iShares ® , BLACKROCK ® , and the corresponding logos are registered and unregistered trademarks of BlackRock, Inc. and its affiliates (“BlackRock”), and these trademarks have been licensed for certain purposes by MassMutual Ascend Life Insurance Company. MassMutual Ascend Life Insurance Company annuity products are not sponsored, endorsed, sold or promoted by BlackRock, and purchasers of an annuity from MassMutual Ascend Life Insurance Company do not acquire any interest in the iShares U.S. Real Estate ETF nor enter into any relationship of any kind with BlackRock. BlackRock makes no representation or warranty, express or implied, to the owners of any MassMutual Ascend Life Insurance Company annuity product or any member of the public regarding the advisability of purchasing an annuity, nor does it have any liability for any errors, omissions, interruptions or use of the iShares U.S. Real Estate ETF or any data related thereto. The First Trust Barclays Edge Index (“FTIS Index”) is a product of FT Indexing Solutions LLC (“FTIS”) and is administered and calculated by Bloomberg Index Service Limited and its affiliates (collectively, “BISL”). FIRST TRUST ® and First Trust Barclays Edge Index are trademarks of First Trust Portfolios L.P. (collectively, with FTIS and their respective affiliates, “First Trust”). The foregoing index and trademarks have been licensed for use for certain purposes by Barclays, Bloomberg, and MassMutual Ascend Life Insurance Company (collectively, the “Licensees”) in connection with the FTIS Index and certain products utilizing the FTIS Index (collectively, the “Products”). The Capital Strength Index (“Nasdaq Index”) is a product of Nasdaq, Inc. (collectively, with its affiliates, “Nasdaq”). NASDAQ ® , CAPITAL STRENGTH INDEX™, NQCAPST™, and NQCAPSTT™ are trademarks of Nasdaq. The foregoing index and trademarks have been licensed for use for certain purposes by FTIS and Licensees in connection with the FTIS Index and the Products. The Value Line Dividend Index (“Value Line Index”) is a product of Value Line, Inc. (“Value Line”). VALUE LINE ® and VALUE LINE DIVIDEND INDEX™ are trademarks or registered trademarks of Value Line. The foregoing index and trademarks have been licensed for use for certain purposes by FTIS and Licensees in connection with the FTIS Index and the Products. The FTIS Index is not sponsored, endorsed, recommended, sold or promoted by Value Line and Value Line makes no representation regarding the advisability of investing in any product utilizing the FTIS Index. BLOOMBERG ® is a trademark and service mark of Bloomberg Finance L.P. Bloomberg Finance L.P., BISL, and their affiliates (“Bloomberg”) are not affiliated with First Trust or Barclays. Bloomberg’s relationship to First Trust and Barclays is only (1) in the licensing of the FIRST TRUST ® , BARCLAYS ® , and FIRST TRUST BARCLAYS EDGE INDEX™ trademarks and (2) to act as the administrator and calculation agent of the FTIS Index, which is the property of FTIS. Bloomberg does not guarantee the timeliness, accurateness, or completeness of the FTIS Index or any data or information relating thereto and shall have no liability in connection with the FTIS Index or any data or information relating thereto. The Products are not issued, sponsored, endorsed, sold, recommended, or promoted by First Trust, Bloomberg, Nasdaq, Value Line, or their respective affiliates (collectively, the “Companies”). The Companies do not make any representation regarding the advisability of investing in the Products or products based on the FTIS Index, Barclays Indices, Nasdaq Index, or Value Line Index, do not make any warranties or bear any liability with respect to such products, and do not make any warranties or bear any liability with respect to the Products, the FTIS Index, or another party’s index. THE COMPANIES DO NOT GUARANTEE THE ADEQUACY, ACCURACY, TIMELINESS, COMPLETENESS, AND/OR UNINTERRUPTED CALCULATION OF THE PRODUCTS, FTIS INDEX, BARCLAYS INDICES, NASDAQ INDEX, VALUE LINE INDEX, OR ANY DATA INCLUDED THEREIN OR ANY COMMUNICATION WITH RESPECT THERETO, INCLUDING, ORAL, WRITTEN, OR ELECTRONIC COMMUNICATIONS. THE COMPANIES SHALL HAVE NO LIABILITY FOR ANY ERRORS, OMISSIONS, OR INTERRUPTIONS IN THE PRODUCTS, FTIS INDEX, BARCLAYS INDICES, NASDAQ INDEX, OR VALUE LINE INDEX. THE COMPANIES MAKE NO WARRANTY, EXPRESS OR IMPLIED, AS TO THE RESULTS TO BE OBTAINED BY LICENSEES, OWNERS OF THE PRODUCTS OR OF PRODUCTS BASED ON THE FTIS INDEX, BARCLAYS INDICES, NASDAQ INDEX, OR VALUE LINE INDEX, OR BY ANY OTHER PERSON OR ENTITY FROM THE USE OF THE FTIS INDEX, BARCLAYS INDICES, NASDAQ INDEX, OR VALUE LINE INDEX, OR ANY DATA INCLUDED THEREIN.
Neither Barclays Bank PLC (“BB PLC”) nor any of its affiliates (collectively “Barclays”) is the issuer or producer of MassMutual Ascend’s products and Barclays has no responsibilities, obligations or duties to investors in MassMutual Ascend’s products. The Barclays US 2Y Treasury Futures Index, Barclays US 5Y Treasury Futures Index, Barclays US 10Y Treasury Note Index, and Barclays Switch USD Signal Index (collectively, the “Indices”), together with any Barclays indices that are components of the Indices, are trademarks owned by Barclays and, together with any component indices and index data, are licensed for use by FTIS in connection with the First Trust Barclays Edge Index. Barclays’ only relationship with the MassMutual Ascend in respect of the Indices is the licensing of the Indices to FTIS, which are administered, compiled and published by BB PLC in its role as the index sponsor (the “Index Sponsor”) without regard to MassMutual Ascend’s products or investors in MassMutual Ascend’s products . Additionally, MassMutual Ascend as issuer or producer of MassMutual Ascend’s products may for itself execute transaction(s) with Barclays in or relating to the Indices in connection with MassMutual Ascend’s products. Investors acquire MassMutual Ascend’s products from MassMutual Ascend and investors neither acquire any interest in the Indices nor enter into any relationship of any kind whatsoever with Barclays upon making an investment in MassMutual Ascend’s products. MassMutual Ascend’s products are not sponsored, endorsed, sold or promoted by Barclays and Barclays makes no representation regarding the advisability of MassMutual Ascend’s products or use of the Indices or any data included therein. Barclays shall not be liable in any way to MassMutual Ascend, investors or to other third parties in respect of the use or accuracy of the Indices or any data included therein. MassMutual Ascend SM is not an investment adviser and the information provided in this document is not investment advice. You should consult your investment professional for advice based on your personal circumstances and financial situation. Please note, this is a general description of the product. Please read your contract, including the endorsements and riders, for definitions and complete terms and conditions, as this is a summary of the annuity’s features. For use with contract form P1129918NW, P1129918ID and P1129918OR, endorsement forms E6043617OR, E6051217OR, E6053117OR and E6053217OR and rider forms R6032310NW, R6032410NW (not available in Massachusetts), R6056918NW, R6032310OR, R6032410OR and R6056918OR. Contract, endorsement and rider form numbers may vary by state. Products and features may vary by state, and may not be available in all states. See specific product disclosure document for details. All guarantees based on the claims-paying ability of MassMutual Ascend. Products issued by MassMutual Ascend Life Insurance Company SM (Cincinnati, Ohio), a wholly owned subsidiary of Massachusetts Mutual Life Insurance Company (MassMutual). This content does not apply in the state of New York.
NOT A BANK OR CREDIT UNION DEPOSIT OR OBLIGATION • NOT FDIC OR NCUA-INSURED • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY • MAY LOSE VALUE • NOT GUARANTEED BY ANY BANK OR CREDIT UNION
© 2024 MassMutual Ascend Life Insurance Company, Cincinnati, OH 45202. All rights reserved. www.MassMutualAscend.com
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