Lock in your growth opportunity with a cap lock strategy
Fixed-indexed Â黨´«Ã½ from Â黨´«Ã½ offer multiple types of indexed strategies. One type is called a cap lock annual point-to-point strategy.
With this strategy, you earn interest annually when index performance is positive. The amount of interest credited is limited by a cap. The cap is "locked in" or guaranteed for the length of the early withdrawal charge period.
This strategy may be beneficial if you want the reassurance that your cap rate will not change for a set number of years, while still having the opportunity to earn interest each year.
Let's see how it works!
We'll assume a five-year early withdrawal charge period and 7.00% cap.
The 7.00% cap remained steady for the entire 5-year term, providing a consistent growth opportunity.
A cap lock strategy on a fixed-indexed annuity from MassMutual Ascend can provide protection from loss, locked-in earnings and guaranteed income. Talk with a financial professional to see if a cap lock strategy may be right for you!
The information presented reflects a hypothetical cap. The actual cap that we might have applied during this period would have been different and might have been significantly lower. Different assumptions would lead to different results. Past performance does not guarantee future results. Performance can vary significantly over time.
Caps are set at the start of each term and are subject to change.
Early withdrawal charges and market value adjustments may apply.
A withdrawal before the end of a term may impact the strategy value at the end of the term.
When you buy a fixed-indexed annuity, you own an insurance contract. You are not buying shares of any stock or index. You cannot invest directly in an index.
Cap lock strategies only available for terms that begin in the first contract year. At the end of the term funds held in the strategy are reallocated to a 1-year point-to-point strategy, unless a different strategy is chosen.
This strategy is only available for terms that begin in the first contract year. At the end of the term, funds held in the strategy are reallocated to a 1-year point-to-point strategy, unless a different strategy is chosen. The example above is for illustrative purposes only. It does not reflect actual index performance.
Products issued by Â黨´«Ã½SM (Cincinnati, Ohio), a wholly owned subsidiary of Massachusetts Mutual Life Insurance Company (MassMutual).
For use with endorsement form ICC20-E6066320NW. For use with contract forms P1112916NW, P1112916ID, ICC21-P1152121NW, ICC20-P1144520NW, P1470017NW, P1470017ID, P1110416NW, P1110416ID, ICC21-P1476721NW and ICC20-P1474420NW. All guarantees based on the claims-paying ability of MassMutual Ascend.
All guarantees subject to the claims-paying ability of the issuing company.
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
F1176425NW
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