A++ Carrier Raises Rates on Flagship FIAs — With Powerful Cap Lock Guarantee

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We’re always looking to bring our advisors and their clients access to top-tier annuity solutions that provide security, growth potential, and peace of mind. That’s why we’re excited to announce a significant rate increase from one of our premier carriers, MassMutual Ascend — a name synonymous with strength, backed by an A++ rating and a legacy dating back to 1851.

Rate Increases You Can Count On

Effective immediately, MassMutual Ascend is increasing the S&P 500 annual point-to-point cap on its two best-selling fixed-index annuities:

  • American Legend 7: Cap increased to 8.5%
  • American Landmark 5: Cap increased to 8.0%

These are strong caps in today’s fixed-index annuity landscape — but what truly sets these products apart is MassMutual Ascend’s unique “Cap Lock” guarantee.

What Is a Cap Lock Guarantee — And Why Does It Matter?

Most FIAs are subject to renewal rate risk — the possibility that, after the first year, the carrier may lower the cap rate on your indexed account. While the initial rate might look attractive, there’s no guarantee it’ll stick.

MassMutual Ascend Changes That

With the Cap Lock guarantee, clients can rest easy knowing that their initial S&P 500 cap rate is contractually guaranteed not to decrease for the life of the policy. That means no surprises at renewal — and no erosion of upside potential due to market volatility or shifting carrier economics.

Why Renewal Rate Risk Is A Real Concern

Renewal rate risk is one of the most underappreciated threats in the annuity world. While interest rates rise and fall, carriers can adjust caps, spreads, and participation rates after the first contract year — sometimes significantly. These changes can dramatically reduce a client’s long-term growth potential, particularly if they’re relying on that annuity as a core part of their retirement income strategy.

In uncertain markets, the Cap Lock feature provides a critical level of transparency and predictability — two qualities every retirement investor craves.

Putting It All Together

For clients seeking market-linked growth without market risk — and without the uncertainty of shifting renewal terms — the American Legend 7 and American Landmark 5 offer a compelling story:

  • Top-tier cap rates — now 8.5% and 8.0%, respectively
  • A++ rated carrier strength
  • Guaranteed S&P 500 cap lock for the life of the contract
  • Tax-deferred growth, principal protection, and lifetime income options

These enhancements make a great product even better — and now is the time to take a closer look.

Questions or illustrations?

Reach out to our team today and see how MassMutual Ascend’s Cap Lock FIAs can fit into your clients’ long-term plans.