---
title: On The Move - December 17, 2024 - Insurance Agency Marketing Services
description: Rates changing! Get the latest product and rate updates from our carrier partners.
---

[IAMS Blog](https://blog.iamsinc.com)

# [On The Move - December 17, 2024 - Insurance Agency Marketing Services](https://blog.iamsinc.com/on-the-move-dec-17-2024)

 Written by [Webmaster](https://blog.iamsinc.com/author/webmaster) | Dec 17, 2024 11:56:10 AM

#### 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% 

[View full post](https://blog.iamsinc.com/on-the-move-dec-17-2024)

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