SecureGain 3
MassMutual Ascend Life Insurance Company
3.45%
3-yr guarantee
10%
Free W/D
53
Jurisdictions
Live product data
Rates as of May 29, 2026, based on the latest AdvisorWorld scan of CANNEX data.
3-year guaranteed rate
3.45% guaranteed for 3 years
The legacy three-year SecureGain MYGA from a dual-agency-rated US carrier — at the short end of MYGA term-lengths, a broad state footprint, annual free-withdrawal access alongside nursing-home and terminal-illness waivers, and no MVA mechanism on early surrenders.
Best fit
Buyers who want a short three-year locked declared rate from a dual-agency-rated carrier, who prefer the legacy SecureGain filing's no-MVA early-exit mechanics over the 2025 refresh, and who are comfortable that the rate is locked only for three years before renewal-or-surrender decision.
AM Best
A++ Superior
Surrender period
6 years
Free withdrawal
10%/yr
Availability
53 jurisdictions (excl. New York)
Product analyst notes
How to think about this contract
Why it can stand out
- A.M. Best Superior plus Standard & Poor's Strong — dual-agency financial-strength corroboration on a short-term declared-rate MYGA, rather than a single-source rating.
- Three-year guarantee period is at the short end of the MYGA market — most filings start at 5 years. A buyer who wants a fixed locked rate but does not want to commit principal for half a decade has an unusually short rate-lock window here.
- State footprint on this legacy SecureGain 3 filing reads at the upper end of the national menu (53 jurisdictions including DC and US territories), giving wider coverage than several peer MYGA filings at this term-length.
- Annual free-withdrawal access alongside the surrender schedule, plus nursing-home and terminal-illness waivers. Both single and joint annuitization are available on both non-qualified and qualified funds.
What to confirm
- This is the legacy SecureGain 3 filing — the carrier publishes a SecureGain 3 - 2025 refresh alongside it. Buyers comparing rates should ask which filing they are being quoted on, since the 2025 filing carries an MVA mechanism that typically changes the published headline rate.
- Short rate-lock means short crediting horizon — the declared rate is fixed for only three years. At the end of the guarantee period the buyer must either renew at the carrier's then-current rate, surrender, or annuitize.
- Surrender charges in the early years remain meaningful — an unplanned early exit beyond the annual free-withdrawal allowance carries a real cost despite the short rate-lock. This is a three-year commitment, not a short-term cash equivalent. Some legacy filings carry a longer surrender ladder than the rate-lock window; confirm the surrender-schedule length on the live feed before committing.
- No premium bonus, no return-of-premium feature, and no lifetime-income rider — this contract is built for rate certainty over a fixed three-year window, not for legacy enhancement, an upfront bonus, or guaranteed lifetime income.
Not ideal for
Buyers who want the higher headline rate the MVA-bearing SecureGain 3 - 2025 refresh typically commands, buyers who want a longer-than-3-year rate-lock (the SecureGain 5 / 7 or 5-2025 / 7-2025 siblings cover those), or buyers who want a premium bonus, GLWB rider, or market-linked upside — none of those are what this filing is built to deliver.
Guaranteed Rates by Term
| Term | Guaranteed Rate |
|---|---|
| 3-Year | 3.45% |
Key Features
Free withdrawal
10%/yrAnnual amount that may be available without surrender charges, subject to contract terms.
Surrender waivers
2Nursing home waiver, Terminal illness waiver
Death benefit
Standard Death BenefitBeneficiary value depends on contract terms, withdrawals, and rider elections.
Annuitization options
Single and jointContract conversion options should be confirmed before purchase.
Fund types
Non-qualified, QualifiedAvailability can vary by state and product terms.
Surrender Schedule
Yr 1
9%
Yr 2
8%
Yr 3
7%
Yr 4
6%
Yr 5
5%
Yr 6
4%
After
0%
Nursing home waiver, Terminal illness waiver, Surrender waivers
Carrier Ratings
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