SecureGain 5 - 2025
MassMutual Ascend Life Insurance Company
4.65%
5-yr guarantee
10%
Free W/D
50
Jurisdictions
Live product data
Rates as of May 29, 2026, based on the latest AdvisorWorld scan of CANNEX data.
5-year guaranteed rate
4.65% guaranteed for 5 years
A 2025-filed, five-year MYGA from a dual-agency-rated US carrier — MVA mechanism on early surrenders, the standard MYGA term-length for like-for-like comparison, a five-year surrender ladder matched to the rate-lock, and annual free-withdrawal access alongside nursing-home and terminal-illness waivers.
Best fit
Buyers who want the higher headline rate an MVA-bearing 2025 refresh typically commands over the legacy no-MVA SecureGain 5, who can absorb the MVA on early surrenders above the free-withdrawal allowance, and who want the standard five-year MYGA term-length for direct comparison against the peer market.
AM Best
A++ Superior
Surrender period
5 years
Free withdrawal
10%/yr
Availability
50 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 2025-filed five-year declared-rate MYGA, rather than a single-source rating.
- Five-year rate-lock is the most common MYGA term and the term most peer comparisons publish — buyers using this filing have a true like-for-like data point against the rest of the MYGA market.
- Market value adjustment (MVA) is built into the contract — the 2025 filings accept the MVA mechanism on surrenders above the free-withdrawal allowance in exchange for a typically higher headline rate than the carrier's no-MVA legacy SecureGain 5 sibling.
- Five-year declining surrender ladder steps down each year, with annual free-withdrawal access alongside the schedule and nursing-home / terminal-illness waivers.
What to confirm
- The MVA mechanic means a surrender above the free-withdrawal allowance is not the same as a clean account-value withdrawal — interest rates at the time of surrender drive the adjustment up or down, which can materially change the amount actually received. Confirm with the carrier how the MVA is computed before any planned partial surrender.
- Surrender charges in the early years remain in the mid-to-high single digits — an unplanned early exit beyond the annual free-withdrawal allowance carries a real cost on top of any MVA adjustment. This is a five-year commitment, not a short-term cash equivalent.
- No premium bonus, no return-of-premium feature, and no lifetime-income rider — this contract is built for rate certainty over a fixed five-year window, not for legacy enhancement, an upfront bonus, or guaranteed lifetime income.
- The carrier files two SecureGain 5-year MYGAs concurrently — this 2025 refresh with MVA and the older legacy SecureGain 5 without MVA. Buyers should confirm which filing they are quoted on, since the headline rate and the early-exit mechanics differ between them.
Not ideal for
Buyers who cannot tolerate an MVA on early surrenders and would rather take the slightly lower headline of the no-MVA legacy SecureGain 5, buyers who want a shorter-than-5-year (SecureGain 3 - 2025) or longer-than-5-year (SecureGain 7 - 2025) rate-lock, 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 |
|---|---|
| 5-Year | 4.65% |
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
8%
Yr 2
8%
Yr 3
7%
Yr 4
6%
Yr 5
5%
After
0%
Nursing home waiver, Terminal illness waiver, Surrender waivers
Carrier Ratings
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