On The Move – December 20, 2022

December 21, 2022 – Effective Date of Change

Mass Mutual Ascent Life Insurance Company

Fixed Indexed Annuity

American Landmark 3 50,000+

• 1 Year S&P 500 Annual Point-to-Point with Cap:  Cap 7.75% 
• 1 Year iShares U.S. Real Estate Annual Point to Point with Cap:  Cap 8.00% 
• 1 Year iShares MSCI EAFE 1-year point-to-point with cap:  Cap 7.50% 
• 1 Year Declared Rate Strategy :  Rate 3.30%

American Landmark 3 150,000+

• 1 Year S&P 500 Annual Point-to-Point with Cap:  Cap 8.00% 
• 1 Year iShares U.S. Real Estate Annual Point to Point with Cap:  Cap 8.50% 
• 1 Year iShares MSCI EAFE 1-year point-to-point with cap:  Cap 7.75% 
• 1 Year Declared Rate Strategy :  Rate 3.40%

American Landmark 3 Non-MVA 50,000+

• 1 Year S&P 500 Annual Point-to-Point with Cap:  Cap 7.50% 
• 1 Year iShares U.S. Real Estate Annual Point to Point with Cap:  Cap 7.75% 
• 1 Year iShares MSCI EAFE 1-year point-to-point with cap:  Cap 7.25% 
• 1 Year Declared Rate Strategy :  Rate 3.15%

American Landmark 3 Non-MVA 150,000+

• 1 Year S&P 500 Annual Point-to-Point with Cap:  Cap 7.75% 
• 1 Year iShares U.S. Real Estate Annual Point to Point with Cap:  Cap 8.00% 
• 1 Year iShares MSCI EAFE 1-year point-to-point with cap:  Cap 7.50% 
• 1 Year Declared Rate Strategy :  Rate 3.25%

American Landmark 5 10,000+

• 1 Year S&P 500 Annual Point-to-Point with Cap:  Cap 8.75% 
• 1 Year iShares U.S. Real Estate Annual Point to Point with Cap:  Cap 8.75% 
• 1 Year S&P U.S. Retiree Spending Annual Point to Point with Patrticipation Rate:  Part Rate 65%
• 1 Year Declared Rate Strategy :  Rate 3.60%
• 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 7.00% 

American Landmark 5 100,000+

• 1 Year S&P 500 Annual Point-to-Point with Cap:  Cap 9.00% 
• 1 Year iShares U.S. Real Estate Annual Point to Point with Cap:  Cap 9.00% 
• 1 Year S&P U.S. Retiree Spending Annual Point to Point with Patrticipation Rate:  Part Rate 70%
• 1 Year Declared Rate Strategy :  Rate 3.75%
• 1 Year S&P 500 Risk Control Annual Point to Point PR:  Part Rate 70%
• S&P 500 5-year Cap Lock Annual Point-to-Point :  Cap 7.25% 

American Landmark 5 Non-MVA 10,000+

• 1 Year S&P 500 Annual Point-to-Point with Cap :  Cap 7.75% 
• 1 Year iShares U.S. Real Estate Annual Point to Point with Cap :  Cap 8.25% 
• 1 Year S&P U.S. Retiree Spending Annual Point to Point with Patrticipation Rate:  Part Rate 55%
• 1 Year S&P 500 Risk Control with PR:  Part Rate 60%
• 1 Year Declared Rate Strategy :  Rate 3.40%
• S&P 500 5-year cap lock annual point-to-point :  Cap 6.50% 

American Landmark 5 Non-MVA 100,000+

• 1 Year S&P 500 Annual Point-to-Point with Cap :  Cap 8.00% 
• 1 Year iShares U.S. Real Estate Annual Point to Point with Cap :  Cap 8.75% 
• 1 Year S&P U.S. Retiree Spending Annual Point to Point with Patrticipation Rate:  Part Rate 60%
• 1 Year S&P 500 Risk Control with PR:  Part Rate 65%
• 1 Year Declared Rate Strategy :  Rate 3.50%
• S&P 500 5-year cap lock annual point-to-point :  Cap 6.75% 

American Legend 7 10,000+

• 1 Year Declared Rate Strategy :  Rate 4.00%
• 1 Year S&P 500 Annual Point-to-Point with Cap :  Cap 9.75% 
• 1 Year S&P 500 Monthly Sum with Cap:  Cap 3.00% 
• 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 11.50% 
• 1 Year S&P U.S. Retiree Spending Annual Point to Point with Patrticipation Rate:  Part Rate 70%
• 1 Year iShares U.S. Real Estate Annual Point to Point with Cap:  Cap 9.50% 
• 1 Year S&P 500 7-year cap lock point-to-point:  Cap 7.50% 

American Legend 7 100,000+

• 1 Year Declared Rate Strategy :  Rate 4.10%
• 1 Year S&P 500 Annual Point-to-Point with Cap :  Cap 10.00% 
• 1 Year S&P 500 Monthly Sum with Cap:  Cap 3.25% 
• 1 Year S&P 500 Risk Control Annual Point to Point with Participation Rate:  Part Rate 75%
• 1 Year SPDR Gold Shares Annual Point-to-Point Cap:  Cap 12.00% 
• 1 Year S&P U.S. Retiree Spending Annual Point to Point with Patrticipation Rate:  Part Rate 75%
• 1 Year iShares U.S. Real Estate Annual Point to Point with Cap:  Cap 10.00% 
• 1 Year S&P 500 7-year cap lock point-to-point:  Cap 7.75% 

American Legend 7 Non-MVA 10,000+

• 1 Year S&P 500 Annual Point-to-Point with Cap :  Cap 9.00% 
• 1 Year S&P 500 Monthly Sum with Cap :  Cap 2.75% 
• 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 10.50% 
• 1 Year S&P U.S. Retiree Spending Annual Point to Point with Patrticipation Rate :  Part Rate 60%
• 1 Year iShares U.S. Real Estate Annual Point to Point with Cap :  Cap 8.50% 
• 1 Year Declared Rate Strategy :  Rate 3.85%
• 1 Year S&P 500 7-year cap lock point-to-point:  Cap 6.55% 

American Legend 7 Non-MVA 100,000+

• 1 Year S&P 500 Annual Point-to-Point with Cap :  Cap 9.25% 
• 1 Year S&P 500 Monthly Sum with Cap :  Cap 3.00% 
• 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 10.75% 
• 1 Year S&P U.S. Retiree Spending Annual Point to Point with Patrticipation Rate :  Part Rate 65%
• 1 Year iShares U.S. Real Estate Annual Point to Point with Cap :  Cap 9.00% 
• 1 Year Declared Rate Strategy :  Rate 3.95%
• 1 Year S&P 500 7-year cap lock point-to-point:  Cap 6.80% 

• SecureGain 3 10,000+  3.80%
• SecureGain 3 100,000+  3.95
• SecureGain 3 Non-MVA 10,000+  3.65%
• SecureGain 3 Non-MVA 100,000+  3.80%

December 23, 2022 – Effective Date of Change

National Western Life

NWL® Choice Optimizer 5 25,000+

• S&P 500 One-Year Point-to-Point with Cap:  Cap 10.75% 
• S&P 500® One-Year Point-to-Point with Participation Rate:  Part Rate 32%
• S&P 500® One-Year Point-to-Point with Performance Trigger:  Cap 7.10% 
• S&P 500 One-Year Monthly Point-to-Point with Cap:  Cap 2.45% 
• S&P 500 One-Year Monthly Average with a Participation Rate:  Part Rate 56%
• S&P 500 Low Volatility 5% One-Year Point-to-Point with Participation Rate:  Part Rate 175%
• S&P 500 Low Volatility 8% Two-Year Point-to-Point with Participation Rate:  Part Rate 162%
• 1 Year Fixed Account:  Rate 4.00%

NWL® Choice Optimizer 5 100,000+

• S&P 500 One-Year Point-to-Point with Cap:  Cap 11.30% 
• S&P 500® One-Year Point-to-Point with Participation Rate:  Part Rate 34%
• S&P 500® One-Year Point-to-Point with Performance Trigger:  Cap 7.50% 
• S&P 500 One-Year Monthly Point-to-Point with Cap:  Cap 2.90% 
• S&P 500 One-Year Monthly Average with a Participation Rate:  Part Rate 59%
• S&P 500 Low Volatility 5% One-Year Point-to-Point with Participation Rate:  Part Rate 185%
• S&P 500 Low Volatility 8% Two-Year Point-to-Point with Participation Rate:  Part Rate 170%
• 1 Year Fixed Account:  Rate 4.25%

NWL® Choice Optimizer 5 CA 25,000+

• S&P 500 One-Year Point-to-Point with Cap:  Cap 10.50% 
• S&P 500® One-Year Point-to-Point with Participation Rate:  Part Rate 31%
• S&P 500® One-Year Point-to-Point with Performance Trigger:  Cap 6.95% 
• S&P 500 One-Year Monthly Point-to-Point with Cap:  Cap 2.25% 
• S&P 500 One-Year Monthly Average with a Participation Rate:  Part Rate 54%
• S&P 500 Low Volatility 5% One-Year Point-to-Point with Participation Rate:  Part Rate 171%
• S&P 500 Low Volatility 8% Two-Year Point-to-Point with Participation Rate:  Part Rate 158%
• 1 Year Fixed Account:  Rate 3.90%

NWL® Choice Optimizer 5 CA 100,000+

• S&P 500 One-Year Point-to-Point with Cap:  Cap 11.05% 
• S&P 500® One-Year Point-to-Point with Participation Rate:  Part Rate 33%
• S&P 500® One-Year Point-to-Point with Performance Trigger:  Cap 7.35% 
• S&P 500 One-Year Monthly Point-to-Point with Cap:  Cap 2.70% 
• S&P 500 One-Year Monthly Average with a Participation Rate:  Part Rate 57%
• S&P 500 Low Volatility 5% One-Year Point-to-Point with Participation Rate:  Part Rate 181%
• S&P 500 Low Volatility 8% Two-Year Point-to-Point with Participation Rate:  Part Rate 166%
• 1 Year Fixed Account:  Rate 4.15%

NWL® Choice Optimizer 7 25,000+

• S&P 500 One-Year Point-to-Point with Cap:  Cap 11.15% 
• S&P 500® One-Year Point-to-Point with Participation Rate:  Part Rate 38%
• S&P 500® One-Year Point-to-Point with Performance Trigger:  Cap 7.50% 
• S&P 500 One-Year Monthly Point-to-Point with Cap:  Cap 2.87% 
• S&P 500 One-Year Monthly Average with a Participation Rate:  Part Rate 62%
• S&P 500 Low Volatility 5% One-Year Point-to-Point with Participation Rate:  Part Rate 185%
• S&P 500 Low Volatility 8% Two-Year Point-to-Point with Participation Rate:  Part Rate 172%
• 1 Year Fixed Account:  Rate 4.40%

NWL® Choice Optimizer 7 100,000+

• S&P 500 One-Year Point-to-Point with Cap:  Cap 11.70% 
• S&P 500® One-Year Point-to-Point with Participation Rate:  Part Rate 40%
• S&P 500® One-Year Point-to-Point with Performance Trigger:  Cap 7.90% 
• S&P 500 One-Year Monthly Point-to-Point with Cap:  Cap 3.30% 
• S&P 500 One-Year Monthly Average with a Participation Rate:  Part Rate 65%
• S&P 500 Low Volatility 5% One-Year Point-to-Point with Participation Rate:  Part Rate 195%
• S&P 500 Low Volatility 8% Two-Year Point-to-Point with Participation Rate:  Part Rate 180%
• 1 Year Fixed Account:  Rate 4.65%

NWL® Choice Optimizer 7 CA 25,000+

• S&P 500 One-Year Point-to-Point with Cap:  Cap 10.90% 
• S&P 500® One-Year Point-to-Point with Participation Rate:  Part Rate 37%
• S&P 500® One-Year Point-to-Point with Performance Trigger:  Cap 7.35% 
• S&P 500 One-Year Monthly Point-to-Point with Cap:  Cap 2.67% 
• S&P 500 One-Year Monthly Average with a Participation Rate:  Part Rate 60%
• S&P 500 Low Volatility 5% One-Year Point-to-Point with Participation Rate:  Part Rate 181%
• S&P 500 Low Volatility 8% Two-Year Point-to-Point with Participation Rate:  Part Rate 168%
• 1 Year Fixed Account:  Rate 4.30%

NWL® Choice Optimizer 7 CA 100,000+

• S&P 500 One-Year Point-to-Point with Cap:  Cap 11.45% 
• S&P 500® One-Year Point-to-Point with Participation Rate:  Part Rate 39%
• S&P 500® One-Year Point-to-Point with Performance Trigger:  Cap 7.75% 
• S&P 500 One-Year Monthly Point-to-Point with Cap:  Cap 3.11% 
• S&P 500 One-Year Monthly Average with a Participation Rate:  Part Rate 63%
• S&P 500 Low Volatility 5% One-Year Point-to-Point with Participation Rate:  Part Rate 191%
• S&P 500 Low Volatility 8% Two-Year Point-to-Point with Participation Rate:  Part Rate 176%
• 1 Year Fixed Account:  Rate 4.55%

NWL® Core Dynamic 10,000+

• Option A: Annual Reset Monthly Average with Participation and Fee:  Part Rate 20%
• Option B: Fixed Interest Rate:  Rate 2.10%
• Option D: Annual Reset Monthly Point-to-Point with Cap:  Cap 1.50% 
• Option U: Annual Reset Low Volatility Daily Risk Control:  Part Rate 75%
• Option J: Annual Reset Annual Point to Point with Cap and Spread :  Cap 4.00% 

December 24, 2022 – Effective Date of Change

Athene IA

MYGA

• Athene Max Rate 3 10,000+  4.45%
• Athene Max Rate 3 100,000+  4.70%
• Athene Max Rate 3 (state specific) 10,000+  4.45%
• Athene Max Rate 3 (state specific) 100,000+  4.70%