Annuity rate data updated daily

Rate data refreshes daily from AdvisorWorld and CANNEX carrier feeds. View current rates

Fixed Indexed Annuity

Safe Return

MassMutual Ascend Life Insurance Company

6.75%

Best Cap

10%

Free W/D

50

Jurisdictions

Product data status: May 29, 2026

Rates, state availability, rider terms, and contract language must be confirmed with a licensed financial advisor or insurance professional before purchase. Guarantees are backed by the issuing insurer.

Live product data

Rates as of May 29, 2026, based on the latest AdvisorWorld scan of CANNEX data.

S&P 500 annual cap rate

A++ AM Best — Superior

A ten-year fixed indexed annuity from a dual-agency-rated US carrier — the carrier markets the contract around a return-of-premium guarantee (not listed as a discrete feature on the live feed, so confirm against contract language), a recognizable S&P 500 cap alongside proprietary and volatility-controlled strategies, and no lifetime-income rider in the lineup.

AdvisorWorld + CANNEX data

Best fit

Principal-protection-focused buyers who can commit to a ten-year deferral, value a dual-agency-rated carrier behind the long-surrender lock, do not need a GLWB rider, and are willing to confirm any return-of-premium specifics directly with the carrier rather than relying on the marketing name.

AM Best

A++ Superior

Surrender period

10 years

Free withdrawal

10%/yr

Availability

50 jurisdictions (excl. New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

6.75% cap rate

Fixed Account

Fixed Account

4.25% declared rate

+ 3 volatility-controlled index options (S&P 500, iShares US, First Trust)

Product analyst notes

How to think about this contract

Why it can stand out

  • The 'Safe Return' name signals a principal-protection emphasis the carrier markets in product literature around a return-of-premium guarantee — but the structured live feed does not list a discrete return-of-premium feature, so the specifics (which surrender conditions trigger it, what timing applies) must be confirmed against the carrier's contract language, not assumed from the product name alone.
  • A.M. Best Superior plus Standard & Poor's Strong — dual-agency financial-strength corroboration on the carrier behind a long-surrender principal-protection contract, rather than a single-source rating.
  • Crediting menu pairs a recognizable S&P 500 annual point-to-point cap with the proprietary First Trust Barclays Edge Index, a volatility-controlled S&P 500 Average Daily Risk Control strategy, and an iShares US Real Estate ETF option — buyers can hold a like-for-like S&P comparison option alongside lower-volatility and real-estate alternatives.
  • Ten-year declining surrender ladder steps down each year from the year-one charge to a low single-digit charge in the final year, with annual free-withdrawal access alongside the schedule.

What to confirm

  • The structured live feed does not list a discrete return-of-premium feature on this filing, despite the product name. If the return-of-premium guarantee the carrier markets in product literature matters for the buyer's decision, confirm the contract language directly with the carrier — do not assume the feature from the 'Safe Return' name alone.
  • This is NOT a guaranteed-lifetime-withdrawal product. The live feed shows no income riders attached. A buyer who wants a contractually guaranteed lifetime payout from a GLWB needs a different contract in the lineup — American Legend 7, AssuranceSelect 7 Plus, Index Protector 7, or Premier Income Bonus carry the rider option.
  • Ten-year surrender is at the long end of the FIA market — this contract assumes the buyer can leave principal locked beyond the free-withdrawal allowance for the duration of the schedule.
  • The First Trust Barclays Edge Index and the S&P 500 Average Daily Risk Control are proprietary participation-rate or volatility-controlled strategies — their headline rates are not directly comparable to the standard S&P 500 cap; evaluate each on its own back-tested behavior. Caps reset at renewal under guaranteed-minimum floors well below current headline rates, so the published cap is a current-period figure, not a ten-year guarantee.

Not ideal for

Buyers who need a contractually guaranteed lifetime withdrawal rate from a GLWB rider, buyers who cannot tolerate a ten-year surrender window, or buyers who prefer a MYGA-style declared rate without index-linked variability.

All crediting strategies

View rate listings (10 rows)

These are the current crediting strategy listings returned for this product. Use the filters to narrow by index, term, premium band, or rate type.

Par: 60% · 1-yr

S&P 500 Average Daily Risk Control Price Return Index

participation

10-yr surrender

Cap: 10% · 1-yr

iShares US Real Estate ETF

cap

10-yr surrender

Cap: 6.75% · 1-yr

S&P 500 Index

cap

10-yr surrender

Fixed: 4.25% · 1-yr

Fixed Account

fixed

10-yr surrender

Par: 145% · 1-yr

First Trust Barclays Edge Index

participation

10-yr surrender

Par: 60% · 1-yr

S&P 500 Average Daily Risk Control Price Return Index

Cap: 10% · 1-yr

iShares US Real Estate ETF

Cap: 6.75% · 1-yr

S&P 500 Index

Fixed: 4.25% · 1-yr

Fixed Account

Par: 145% · 1-yr

First Trust Barclays Edge Index

Income riders

Lifetime income rider not available for this product

A guaranteed-lifetime-withdrawal (GLWB) rider was not returned for this product. Some carriers offer income features through other mechanics or separate contract versions — confirm income options with the carrier before comparing lifetime income.

Linked review

Safe Return review notes

Explore the benefits and features of the MassMutual Safe Return Fixed Indexed Annuity, ensuring secure, tax-deferred growth.

4/5Read review
Nikhil Bhauwala

Key Features

Free withdrawal

10%/yr

Annual amount that may be available without surrender charges, subject to contract terms.

Surrender waivers

2

Nursing home waiver, Terminal illness waiver

Death benefit

Inheritance Enhancer

Beneficiary value depends on contract terms, withdrawals, and rider elections.

Strategy guarantee

Minimum guaranteed cap: 2.40%

Strategy guarantee

Guaranteed minimum interest rate (fixed): 2.40%

Strategy guarantee

Minimum guaranteed participation: 5.00%

Annuitization options

Single and joint

Contract conversion options should be confirmed before purchase.

Fund types

Non-qualified, Qualified

Availability can vary by state and product terms.

Surrender schedule

Yr 1

10%

Yr 2

9%

Yr 3

8%

Yr 4

7%

Yr 5

6%

Yr 6

5%

Yr 7

4%

Yr 8

3%

Yr 9

2%

Yr 10

1%

After

0%

Nursing home waiver, Terminal illness waiver, Surrender waivers

Documents

product guide

b1075118nw1e1a47840952687a9763ff0200b19820.pdf

Confidence: highReviewed Apr 4, 2026

Direct link not published — request the document from the carrier.

Carrier Ratings

AM BestA++
S&PA+

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

Safe Return currently shows 5 distinct indexed or fixed crediting choices across 10 current rate listings, including S&P 500 Index, S&P 500 Average Daily Risk Control Price Return Index, and Fixed Account, with 2 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, and renewal terms are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 6.75% cap
  • S&P 500 Average Daily Risk Control Price Return Index: 60% participation
  • Fixed Account: 4.25% fixed

Liquidity terms

Why access rules deserve as much attention as rates

A fixed indexed annuity can preserve more control than an income-only contract, but access is still governed by the surrender schedule, free-withdrawal terms, and waiver language. Those details are where many product comparisons become more meaningful than a simple rate list.

  • 10%/yr free withdrawal
  • 10 surrender years
  • Nursing home waiver
  • Terminal illness waiver

Verification note

Use carrier materials as term evidence, then confirm the current version

Carrier materials such as b1075118nw1e1a47840952687a9763ff0200b19820.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 8, 2026. For the current brochure, rate sheet, or specimen contract, confirm the state-specific version with the carrier or a licensed financial professional.

  • Rates and rider terms can vary by state and issue age
  • Carrier guarantees depend on claims-paying ability
  • Current contract forms should be confirmed before purchase

Free Comparison Report

Get a personalized Safe Return illustration

See year-by-year projections for your specific age, premium, and income goals.

Get Free Report

Related Resources