On The Move – December 17, 2024

December 20, 2024 – Effective Date of Change

Oceanview Life and Annuity

MYGA

• Harbourview 10 20,000+  4.90%
• Harbourview 10 70,000+  5.25%
• Harbourview 10 100,000+  5.25%
• Harbourview 10 (CA) 20,000+  4.75%
• Harbourview 10 (CA) 70,000+  5.10%
• Harbourview 10 (CA) 100,000+  5.10%
• Harbourview 2 20,000+  4.55%
• Harbourview 2 70,000+  4.90%
• Harbourview 2 100,000+  4.90%
• Harbourview 2 (CA) 20,000+  4.45%
• Harbourview 2 (CA) 70,000+  4.80%
• Harbourview 2 (CA) 100,000+  4.80%
• Harbourview 3 20,000+  4.75%
• Harbourview 3 70,000+  5.10%
• Harbourview 3 100,000+  5.10%
• Harbourview 3 (CA) 20,000+  4.55%
• Harbourview 3 (CA) 70,000+  4.90%
• Harbourview 3 (CA) 100,000+  4.90%
• Harbourview 4 20,000+  4.85%
• Harbourview 4 70,000+  5.20%
• Harbourview 4 100,000+  5.20%
• Harbourview 4 (CA) 20,000+  4.70%
• Harbourview 4 (CA) 70,000+  5.05%
• Harbourview 4 (CA) 100,000+  5.05%
• Harbourview 5 20,000+  4.80%
• Harbourview 5 70,000+  5.15%
• Harbourview 5 100,000+  5.15%
• Harbourview 5 (CA) 20,000+  4.65%
• Harbourview 5 (CA) 70,000+  5.00%
• Harbourview 5 (CA) 100,000+  5.00%
• Harbourview 6 20,000+  5.00%
• Harbourview 6 70,000+  5.35%
• Harbourview 6 100,000+  5.35%
• Harbourview 6 (CA) 20,000+  4.85%
• Harbourview 6 (CA) 70,000+  5.20%
• Harbourview 6 (CA) 100,000+  5.20%
• Harbourview 7 20,000+  4.70%
• Harbourview 7 70,000+  5.05%
• Harbourview 7 100,000+  5.05%
• Harbourview 7 (CA) 20,000+  4.55%
• Harbourview 7 (CA) 70,000+  4.90%
• Harbourview 7 (CA) 100,000+  4.90%

December 21, 2024 Effective Date of Change

MassMutual Ascend Life Insurance Company

Fixed Indexed Annuity

American Landmark 3 50,000+

• 1 Year S&P 500 Annual Point-to-Point with Cap:  Cap 6% 
• 1 Year iShares U.S. Real Estate Annual Point to Point with Cap:  Cap 7.5% 
• 1 Year Declared Rate Strategy :  Rate: 3.2%
• 1 Year iShares MSCI EAFE 1-year point-to-point with cap:  Cap 7% 
• 1-Year First Trust Barclays Edge point-to-point with 3-year participation rate lock:  Part Rate 110%
• 1-Year First Trust Barclays Edge point-to-point with participation rate:  Part Rate 110%

American Landmark 3 150,000+

• 1-Year First Trust Barclays Edge point-to-point with participation rate:  Part Rate 115%
• 1-Year First Trust Barclays Edge point-to-point with 3-year participation rate lock:  Part Rate 115%
• 1 Year iShares MSCI EAFE 1-year point-to-point with cap:  Cap 7.25% 
• 1 Year Declared Rate Strategy :  Rate: 3.3%
• 1 Year iShares U.S. Real Estate Annual Point to Point with Cap:  Cap 7.75% 
• 1 Year S&P 500 Annual Point-to-Point with Cap:  Cap 6.25% 

American Landmark 3 Non-MVA 50,000+

• 1 Year S&P 500 Annual Point-to-Point with Cap:  Cap 5.5% 
• 1 Year iShares U.S. Real Estate Annual Point to Point with Cap:  Cap 7% 
• 1 Year Declared Rate Strategy :  Rate: 3.05%
• 1 Year iShares MSCI EAFE 1-year point-to-point with cap:  Cap 6.75% 
• 1-Year First Trust Barclays Edge point-to-point with participation rate:  Part Rate 105%
• 1-Year First Trust Barclays Edge point-to-point with 3-year participation rate lock:  Part Rate 105%

American Landmark 3 Non-MVA 150,000+

• 1-Year First Trust Barclays Edge point-to-point with 3-year participation rate lock:  Part Rate 110%
• 1-Year First Trust Barclays Edge point-to-point with participation rate:  Part Rate 110%
• 1 Year iShares MSCI EAFE 1-year point-to-point with cap:  Cap 7% 
• 1 Year Declared Rate Strategy :  Rate: 3.15%
• 1 Year iShares U.S. Real Estate Annual Point to Point with Cap:  Cap 7.5% 
• 1 Year S&P 500 Annual Point-to-Point with Cap:  Cap 5.75% 

American Landmark 5 10,000+

• 1 Year S&P 500 Annual Point-to-Point with Cap:  Cap 6.5% 
• 1 Year iShares U.S. Real Estate Annual Point to Point with Cap:  Cap 8% 
• 1 Year S&P U.S. Retiree Spending Annual Point to Point with Participation Rate:  Part Rate 60%
• 1 Year Declared Rate Strategy :  Rate: 3.35%
• 1 Year S&P 500 Risk Control Annual Point to Point PR:  Part Rate 55%
• 1-Year First Trust Barclays Edge point-to-point with Cap rate:  Cap 11.5% 
• 1-Year First Trust Barclays Edge point-to-point with 5-year Cap rate lock:  Cap 11.25% 
• S&P 500 5-year Cap Lock Annual Point-to-Point :  Cap 6% 

American Landmark 5 100,000+

• S&P 500 5-year Cap Lock Annual Point-to-Point :  Cap 6.5% 
• 1-Year First Trust Barclays Edge point-to-point with 5-year Cap rate lock:  Cap 11.75% 
• 1-Year First Trust Barclays Edge point-to-point with Cap rate:  Cap 12% 
• 1 Year S&P 500 Risk Control Annual Point to Point PR:  Part Rate 60%
• 1 Year Declared Rate Strategy :  Rate: 3.5%
• 1 Year S&P U.S. Retiree Spending Annual Point to Point with Participation Rate:  Part Rate 65%
• 1 Year iShares U.S. Real Estate Annual Point to Point with Cap:  Cap 8.3% 
• 1 Year S&P 500 Annual Point-to-Point with Cap:  Cap 7% 

American Landmark 5 Non-MVA 10,000+

• 1 Year S&P 500 Annual Point-to-Point with Cap :  Cap 6% 
• 1 Year iShares U.S. Real Estate Annual Point to Point with Cap :  Cap 7.75% 
• 1 Year S&P U.S. Retiree Spending Annual Point to Point with Participation Rate:  Part Rate 55%
• 1 Year Declared Rate Strategy :  Rate: 3.25%
• 1 Year S&P 500 Risk Control with PR:  Part Rate 50%
• 1-Year First Trust Barclays Edge point-to-point with Cap rate:  Cap 10.5% 
• 1-Year First Trust Barclays Edge point-to-point with 5-year Cap rate lock:  Cap 10.25% 
• S&P 500 5-year cap lock annual point-to-point :  Cap 5.5% 

American Landmark 5 Non-MVA 100,000+

• S&P 500 5-year cap lock annual point-to-point :  Cap 5.75% 
• 1-Year First Trust Barclays Edge point-to-point with 5-year Cap rate lock:  Cap 10.5% 
• 1-Year First Trust Barclays Edge point-to-point with Cap rate:  Cap 10.75% 
• 1 Year S&P 500 Risk Control with PR:  Part Rate 55%
• 1 Year Declared Rate Strategy :  Rate: 3.35%
• 1 Year S&P U.S. Retiree Spending Annual Point to Point with Participation Rate:  Part Rate 60%
• 1 Year iShares U.S. Real Estate Annual Point to Point with Cap :  Cap 8.25% 
• 1 Year S&P 500 Annual Point-to-Point with Cap :  Cap 6.25% 

American Legend 7 10,000+

• 1 Year Declared Rate Strategy :  Rate: 3.7%
• 1 Year S&P 500 Annual Point-to-Point with Cap :  Cap 7% 
• 1 Year S&P 500 Risk Control Annual Point to Point with Participation Rate:  Part Rate 60%
• 1 Year SPDR Gold Shares Annual Point-to-Point Cap:  Cap 9.75% 
• 1 Year iShares U.S. Real Estate Annual Point to Point with Cap:  Cap 9% 
• 1 Year S&P U.S. Retiree Spending Annual Point to Point with Participation Rate:  Part Rate 65%
• 1-Year First Trust Barclays Edge point-to-point with Cap rate:  Cap 11.75% 
• 1 Year S&P 500 7-year cap lock point-to-point:  Cap 7% 
• 1-Year First Trust Barclays Edge point-to-point with 7-year Cap rate lock:  Cap 11.65% 

American Legend 7 100,000+

• 1-Year First Trust Barclays Edge point-to-point with 7-year Cap rate lock:  Cap 12.15% 
• 1 Year S&P 500 7-year cap lock point-to-point:  Cap 7.5% 
• 1-Year First Trust Barclays Edge point-to-point with Cap rate:  Cap 12.25% 
• 1 Year S&P U.S. Retiree Spending Annual Point to Point with Participation Rate:  Part Rate 70%
• 1 Year iShares U.S. Real Estate Annual Point to Point with Cap:  Cap 9.5% 
• 1 Year SPDR Gold Shares Annual Point-to-Point Cap:  Cap 10.5% 
• 1 Year S&P 500 Risk Control Annual Point to Point with Participation Rate:  Part Rate 65%
• 1 Year S&P 500 Annual Point-to-Point with Cap :  Cap 7.5% 
• 1 Year Declared Rate Strategy :  Rate: 3.9%

American Legend 7 Non-MVA 10,000+

• 1 Year S&P 500 Annual Point-to-Point with Cap :  Cap 6.9% 
• 1 Year S&P 500 Risk Control Annual Point to Point with Participation Rate :  Part Rate 55%
• 1 Year SPDR Gold Shares Annual Point-to-Point Cap :  Cap 9% 
• 1 Year S&P U.S. Retiree Spending Annual Point to Point with Participation Rate :  Part Rate 60%
• 1 Year iShares U.S. Real Estate Annual Point to Point with Cap :  Cap 8.75% 
• 1 Year Declared Rate Strategy :  Rate: 3.55%
• 1-Year First Trust Barclays Edge point-to-point with 7-year Cap rate lock:  Cap 11% 
• 1 Year S&P 500 7-year cap lock point-to-point:  Cap 6.5% 
• 1-Year First Trust Barclays Edge point-to-point with Cap rate:  Cap 11.25% 

American Legend 7 Non-MVA 100,000+

• 1-Year First Trust Barclays Edge point-to-point with Cap rate:  Cap 11.5% 
• 1 Year S&P 500 7-year cap lock point-to-point:  Cap 6.75% 
• 1-Year First Trust Barclays Edge point-to-point with 7-year Cap rate lock:  Cap 11.25% 
• 1 Year Declared Rate Strategy :  Rate: 3.7%
• 1 Year iShares U.S. Real Estate Annual Point to Point with Cap :  Cap 9.25% 
• 1 Year S&P U.S. Retiree Spending Annual Point to Point with Participation Rate :  Part Rate 65%
• 1 Year SPDR Gold Shares Annual Point-to-Point Cap :  Cap 9.25% 
• 1 Year S&P 500 Risk Control Annual Point to Point with Participation Rate:  Part Rate 60%
• 1 Year S&P 500 Annual Point-to-Point with Cap :  Cap 7.15%