Plan your beneficiary's inheritance

If death occurs before end of contract year one, the rider death benefit is equal to initial premium.

*Please note that this rider will terminate and all rights under it will end if the annuity is annuitized. It is generally required that you annuitize your annuity no later than the contract anniversary following the date the owner or joint owner reaches age 95. At that point, you will be annuitizing the full death benefit amount and will not lose the benefit. This means that no rider death benefit will be available if the “Insured” dies after the required annuitization date.

If the rider is elected, an annual rider charge equal to 0.95% of the rider benefit base will be deducted from the account value of the annuity at the end of each contract year. The annual rider charge may increase if certain events occur.

This is a hypothetical calculator. The purpose of this calculator is to demonstrate how Death Benefit Payments are calculated, based on the inputs that you have selected. This calculator uses current rates, which are subject to change, and is not intended to predict actual performance, nor is it intended to accurately represent the product’s full features and benefits. Please refer to the Rider for definitions and complete terms and conditions.

This hypothetical calculation assumes that you make a single Purchase Payment, that you take no withdrawals from your annuity prior to starting Death Benefit Payments, and that you never elect to reset your Death Benefit Base Amount to your Account Value. If you were to elect a reset, a new Rollup Period would begin and your Rider Charge may be increased, up to the maximum rate of 2.50%. This hypothetical calculation further assumes that before Death Benefit Payments begin, a simple interest Rollup Credit equal to 6% or 9% (For issue ages 50-79, a 9% simple interest rollup credit available for issue ages 50-79. For issue ages 80-85, a 6% simple interest rollup credit would be applied.) of the total Purchase Payments made in the first Contract Year is added to the Death Benefit Base Amount annually on each Contract Anniversary during the Rider’s Rollup Period. If you were to make an additional purchase payment during the first contract year after the contract effective date, the portion of the rollup credit on the first contract anniversary that is attributable to that purchase payment will be prorated. Under the terms of the rider, the rider death benefit amount is calculated by taking the amount that the benefit base amount (reduced for withdrawals) exceeds the contract death benefit value and multiplying that excess by either the standard benefit percentage (for lump sum payments) or the annuity payout benefit percentage (for payments over time), and then adding the result to the contract death benefit value. For riders we are currently issuing, both the standard benefit percentage and the annuity payout benefit percentage are 100%. When both rider benefit percentages are 100%, it means that the death benefit amount will equal the greater of the rider benefit base amount (reduced for withdrawals) or the contract death benefit value. In the future, we could issue new contracts with riders with benefit percentages as low as 10%. With a benefit percentage of 10%, a contract death benefit value of $130,000, and a rider benefit base amount of $190,000, beneficiaries would receive the contract death benefit value plus $6,000 ($60,000 x 0.10), making the lump sum death benefit $136,000.

The Legacy Ascender (ICC25-R6088925NW) rider is issued by MassMutual Ascend Life Insurance Company^SM (Cincinnati, Ohio), a wholly owned subsidiary of Massachusetts Mutual Life Insurance Company (MassMutual). Rider form number may vary by state. Rider and features may vary by state and may not be available in all states.

All guarantees subject to the claims-paying ability of MassMutual Ascend Life Insurance Company.

This content does not apply in the state of New York.

NOT A BANK OR CREDIT UNION DEPOSIT OR OBLIGATION • NOT FDIC OR NCUA-INSURED • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY • MAY LOSE VALUE • NOT GUARANTEED BY ANY BANK OR CREDIT UNION