On The Move – December 5, 2023

December 7, 2023 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 8.250% 
• 1 Year iShares U.S. Real Estate Annual Point to Point with Cap:  Cap 8.500% 
• 1 Year Declared Rate Strategy :  Rate: 3.70%
• 1 Year iShares MSCI EAFE 1-year point-to-point with cap:  Cap 7.500% 

American Landmark 3 150,000+

• 1 Year iShares MSCI EAFE 1-year point-to-point with cap:  Cap 8.000% 
• 1 Year Declared Rate Strategy :  Rate: 3.80%
• 1 Year iShares U.S. Real Estate Annual Point to Point with Cap:  Cap 8.750% 
• 1 Year S&P 500 Annual Point-to-Point with Cap:  Cap 8.500% 

American Landmark 3 Non-MVA 50,000+

• 1 Year S&P 500 Annual Point-to-Point with Cap:  Cap 7.500% 
• 1 Year iShares U.S. Real Estate Annual Point to Point with Cap:  Cap 8.000% 
• 1 Year Declared Rate Strategy :  Rate: 3.55%
• 1 Year iShares MSCI EAFE 1-year point-to-point with cap:  Cap 7.250% 

American Landmark 3 Non-MVA 150,000+

• 1 Year iShares MSCI EAFE 1-year point-to-point with cap:  Cap 7.500% 
• 1 Year Declared Rate Strategy :  Rate: 3.65%
• 1 Year iShares U.S. Real Estate Annual Point to Point with Cap:  Cap 8.500% 
• 1 Year S&P 500 Annual Point-to-Point with Cap:  Cap 7.750% 

American Landmark 5 10,000+

• 1 Year S&P 500 Annual Point-to-Point with Cap:  Cap 9.000% 
• 1 Year iShares U.S. Real Estate Annual Point to Point with Cap:  Cap 9.750% 
• 1 Year S&P U.S. Retiree Spending Annual Point to Point with Participation Rate:  Part Rate 65%
• 1 Year Declared Rate Strategy :  Rate: 4.05%
• 1 Year S&P 500 Risk Control Annual Point to Point PR:  Part Rate 65%
• S&P 500 5-year Cap Lock Annual Point-to-Point :  Cap 9.250% 

American Landmark 5 100,000+

• S&P 500 5-year Cap Lock Annual Point-to-Point :  Cap 9.500% 
• 1 Year S&P 500 Risk Control Annual Point to Point PR:  Part Rate 70%
• 1 Year Declared Rate Strategy :  Rate: 4.20%
• 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 10.000% 
• 1 Year S&P 500 Annual Point-to-Point with Cap:  Cap 9.500% 

American Landmark 5 Non-MVA 10,000+

• 1 Year S&P 500 Annual Point-to-Point with Cap :  Cap 8.250% 
• 1 Year iShares U.S. Real Estate Annual Point to Point with Cap :  Cap 9.250% 
• 1 Year S&P U.S. Retiree Spending Annual Point to Point with Participation Rate:  Part Rate 60%
• 1 Year Declared Rate Strategy :  Rate: 3.95%
• 1 Year S&P 500 Risk Control with PR:  Part Rate 60%
• S&P 500 5-year cap lock annual point-to-point :  Cap 8.500% 

American Landmark 5 Non-MVA 100,000+

• S&P 500 5-year cap lock annual point-to-point :  Cap 8.750% 
• 1 Year S&P 500 Risk Control with PR:  Part Rate 65%
• 1 Year Declared Rate Strategy :  Rate: 4.05%
• 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 9.750% 
• 1 Year S&P 500 Annual Point-to-Point with Cap :  Cap 8.500% 

American Legend 7 10,000+

• 1 Year Declared Rate Strategy :  Rate: 4.20%
• 1 Year S&P 500 Annual Point-to-Point with Cap :  Cap 9.250% 
• 1 Year S&P 500 Risk Control Annual Point to Point with Participation Rate:  Part Rate 70%
• 1 Year SPDR Gold Shares Annual Point-to-Point Cap:  Cap 10.750% 
• 1 Year iShares U.S. Real Estate Annual Point to Point with Cap:  Cap 11.000% 
• 1 Year S&P U.S. Retiree Spending Annual Point to Point with Participation Rate:  Part Rate 70%
• 1 Year S&P 500 7-year cap lock point-to-point:  Cap 9.750% 

American Legend 7 100,000+

• 1 Year S&P 500 7-year cap lock point-to-point:  Cap 10.000% 
• 1 Year S&P U.S. Retiree Spending Annual Point to Point with Participation Rate:  Part Rate 75%
• 1 Year iShares U.S. Real Estate Annual Point to Point with Cap:  Cap 11.500% 
• 1 Year SPDR Gold Shares Annual Point-to-Point Cap:  Cap 11.500% 
• 1 Year S&P 500 Risk Control Annual Point to Point with Participation Rate:  Part Rate 75%
• 1 Year S&P 500 Annual Point-to-Point with Cap :  Cap 9.750% 
• 1 Year Declared Rate Strategy :  Rate: 4.30%

American Legend 7 Non-MVA 10,000+

• 1 Year S&P 500 Annual Point-to-Point with Cap :  Cap 8.500% 
• 1 Year S&P 500 Risk Control Annual Point to Point with Participation Rate :  Part Rate 65%
• 1 Year SPDR Gold Shares Annual Point-to-Point Cap :  Cap 10.000% 
• 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 10.500% 
• 1 Year Declared Rate Strategy :  Rate: 4.05%
• 1 Year S&P 500 7-year cap lock point-to-point:  Cap 9.000% 

American Legend 7 Non-MVA 100,000+

• 1 Year S&P 500 7-year cap lock point-to-point:  Cap 9.250% 
• 1 Year Declared Rate Strategy :  Rate: 4.20%
• 1 Year iShares U.S. Real Estate Annual Point to Point with Cap :  Cap 11.000% 
• 1 Year S&P U.S. Retiree Spending Annual Point to Point with Participation Rate :  Part Rate 70%
• 1 Year SPDR Gold Shares Annual Point-to-Point Cap :  Cap 10.250% 
• 1 Year S&P 500 Risk Control Annual Point to Point with Participation Rate :  Part Rate 70%
• 1 Year S&P 500 Annual Point-to-Point with Cap :  Cap 8.750% 

Assurance Select 3 Plus 50,000+

• 1 Year S&P 500 Annual Point-to-Point with Cap:  Cap 7.750% 
• 1 Year iShares U.S. Real Estate Annual Point to Point with Cap:  Cap 8.750% 
• 1 Year Declared Rate Strategy :  Rate: 3.80%
• 1 Year iShares MSCI EAFE 1-year point-to-point with cap:  Cap 7.750% 

Assurance Select 3 Plus 150,000+

• 1 Year iShares MSCI EAFE 1-year point-to-point with cap:  Cap 8.000% 
• 1 Year Declared Rate Strategy :  Rate: 4.00%
• 1 Year iShares U.S. Real Estate Annual Point to Point with Cap:  Cap 9.250% 
• 1 Year S&P 500 Annual Point-to-Point with Cap:  Cap 8.000% 

AssuranceSelect 5 Plus 10,000+

• S&P 500 Annual Point-to-Point:  Cap 9.050% 
• iShares US Real Estate Annual Point-to-Point:  Cap 10.000% 
• Declared Rate:  Rate: 4.10%
• S&P 500 Risk Control 1-year point-to-point with participation rate :  Part Rate 75%
• SPDR Gold Shares 1-year point-to-point with cap:  Cap 10.250% 
• S&P U.S. Retiree Spending 1-year point-to-point with participation rate:  Part Rate 80%
• S&P 500 5-year cap lock annual point-to-point :  Cap 8.500% 

AssuranceSelect 5 Plus 100,000+

• S&P 500 5-year cap lock annual point-to-point :  Cap 9.000% 
• S&P U.S. Retiree Spending 1-year point-to-point with participation rate:  Part Rate 85%
• SPDR Gold Shares 1-year point-to-point with cap:  Cap 10.750% 
• S&P 500 Risk Control 1-year point-to-point with participation rate :  Part Rate 80%
• Declared Rate:  Rate: 4.35%
• iShares US Real Estate Annual Point-to-Point:  Cap 10.500% 
• S&P 500 Annual Point-to-Point:  Cap 9.550% 

AssuranceSelect 7 Plus 10,000+

• 1-Year S&P 500 Point-to-Point with Cap:  Cap 9.250% 
• 1-Year Declared Rate:  Rate: 4.60%
• 1-Year S&P 500 Risk Control with Participation:  Part Rate 75%
• 1-Year SPDR GLD Point-to-Point with Cap:  Cap 10.500% 
• S&P U.S. Retiree Spending 1-year point-to-point with participation rate:  Part Rate 80%
• iShares U.S. Real Estate 1-year point-to-point with cap:  Cap 10.100% 
• 1 Year S&P 500 7-year cap lock point-to-point:  Cap 8.600% 

AssuranceSelect 7 Plus 100,000+

• 1 Year S&P 500 7-year cap lock point-to-point:  Cap 9.100% 
• iShares U.S. Real Estate 1-year point-to-point with cap:  Cap 10.600% 
• S&P U.S. Retiree Spending 1-year point-to-point with participation rate:  Part Rate 85%
• 1-Year SPDR GLD Point-to-Point with Cap:  Cap 11.000% 
• 1-Year S&P 500 Risk Control with Participation:  Part Rate 80%
• 1-Year Declared Rate:  Rate: 4.85%
• 1-Year S&P 500 Point-to-Point with Cap:  Cap 9.750% 

Index Protector 4 Non MVA 50,000+

• 1 Year S&P 500 Annual Point-to-Point with Cap :  Cap 9.750% 
• 1 Year S&P 500 Risk Control Annual Point-to-Point with Participation Rate:  Part Rate 75%
• 1 Year iShares U.S. Real Estate Annual Point to Point with Cap :  Cap 12.000% 
• 1 Year S&P U.S. Retiree Spending Annual Point to Point with Participation Rate :  Part Rate 80%
• 1-Year iShares MSCI EAFE ETF Annual point-to-point with cap:  Cap 10.250% 
• 1 Year Declared Rate Strategy :  Rate: 5.05%

Index Protector 4 Non MVA 250,000+

• 1 Year Declared Rate Strategy :  Rate: 5.15%
• 1-Year iShares MSCI EAFE ETF Annual point-to-point with cap:  Cap 10.500% 
• 1 Year S&P U.S. Retiree Spending Annual Point to Point with Participation Rate :  Part Rate 95%
• 1 Year iShares U.S. Real Estate Annual Point to Point with Cap :  Cap 12.500% 
• 1 Year S&P 500 Risk Control Annual Point-to-Point with Participation Rate:  Part Rate 90%
• 1 Year S&P 500 Annual Point-to-Point with Cap :  Cap 10.000% 

Index Protector 5 MVA 50,000+

• 1 Year S&P 500 Annual Point-to-Point with Cap :  Cap 11.750% 
• 1 Year Declared Rate :  Rate: 4.85%
• 1 Year S&P 500 Risk Control Annual Point-to-Point with Participation Rate:  Part Rate 80%
• 1 Year iShares U.S. Real Estate Annual Point to Point with Cap :  Cap 14.500% 
• 1 Year S&P U.S. Retiree Spending Annual Point to Point with Participation Rate :  Part Rate 85%
• 1-Year iShares MSCI EAFE ETF Annual point-to-point with cap:  Cap 12.500% 
• 5 Year Declared Rate:  Rate: 4.85%

Index Protector 5 MVA 250,000+

• 5 Year Declared Rate:  Rate: 5.00%
• 1-Year iShares MSCI EAFE ETF Annual point-to-point with cap:  Cap 12.750% 
• 1 Year S&P U.S. Retiree Spending Annual Point to Point with Participation Rate :  Part Rate 90%
• 1 Year iShares U.S. Real Estate Annual Point to Point with Cap :  Cap 15.500% 
• 1 Year S&P 500 Risk Control Annual Point-to-Point with Participation Rate:  Part Rate 85%
• 1 Year Declared Rate :  Rate: 5.00%
• 1 Year S&P 500 Annual Point-to-Point with Cap :  Cap 12.000% 

Index Protector 7 100,000+

• 1-Year iShares MSCI EAFE ETF point-to-point with cap:  Cap 13.000% 
• 1 Year iShares U.S. Real Estate Annual Point to Point with Cap :  Cap 14.500% 
• 1 Year Declared Rate Strategy :  Rate: 5.70%
• 1 Year S&P 500 Annual Point-to-Point with Cap :  Cap 11.250% 
• 1 Year S&P 500 Risk Control Annual Point-to-Point with Participation Rate:  Part Rate 85%
• 1 Year S&P U.S. Retiree Spending Annual Point to Point with Participation Rate :  Part Rate 90%
• 1 Year S&P 500 7-year cap lock point-to-point:  Cap 10.250% 

Index Protector 7 250,000+

• 1 Year S&P 500 7-year cap lock point-to-point:  Cap 10.500% 
• 1 Year S&P U.S. Retiree Spending Annual Point to Point with Participation Rate :  Part Rate 95%
• 1 Year S&P 500 Risk Control Annual Point-to-Point with Participation Rate:  Part Rate 90%
• 1 Year S&P 500 Annual Point-to-Point with Cap :  Cap 12.000% 
• 1 Year Declared Rate Strategy :  Rate: 5.80%
• 1 Year iShares U.S. Real Estate Annual Point to Point with Cap : 
• 1-Year iShares MSCI EAFE ETF point-to-point with cap:  Cap 13.500% 

Index Protector 7 Non MVA 100,000+

• 1-Year iShares MSCI EAFE ETF point-to-point with cap :  Cap 12.750% 
• 1 Year iShares U.S. Real Estate Annual Point to Point with Cap :  Cap 14.000% 
• 1 Year S&P 500 Annual Point-to-Point with Cap :  Cap 10.750% 
• 1 Year S&P U.S. Retiree Spending Annual Point to Point with Participation Rate :  Part Rate 80%
• 1 Year S&P 500 Risk Control Annual Point to Point with Participation Rate:  Part Rate 80%
• 1 Year Declared Rate Strategy :  Rate: 5.45%
• 1 Year S&P 500 7-year cap lock point-to-point:  Cap 9.250% 

Index Protector 7 Non MVA 250,000+

• 1 Year S&P 500 7-year cap lock point-to-point:  Cap 9.750% 
• 1 Year Declared Rate Strategy :  Rate: 5.55%
• 1 Year S&P 500 Risk Control Annual Point to Point with Participation Rate:  Part Rate 85%
• 1 Year S&P U.S. Retiree Spending Annual Point to Point with Participation Rate:  Part Rate 85%
• 1 Year S&P 500 Annual Point-to-Point with Cap:  Cap 11.000% 
• 1 Year iShares U.S. Real Estate Annual Point to Point with Cap:  Cap 14.500% 
• 1-Year iShares MSCI EAFE ETF point-to-point with cap:  Cap 13.000%

December 12, 2023 – Effective Date of Change

Protective Life

• Secure Saver 5 10,000+  4.65%
• Secure Saver 5 25,000+  5.40%
• Secure Saver 5 75,000+  5.75%
• Secure Saver 7 10,000+  4.65%
• Secure Saver 7 25,000+  5.40%
• Secure Saver 7 75,000+  5.75%