--- title: On The Move - December 20, 2022 - Insurance Agency Marketing Services description: Rates changing! Get the latest product and rate updates from our carrier partners. --- CALL US: 800.255.5055 [Login](http://www.iamsinc.com/wp-login.php) [Facebook](https://www.facebook.com/iamsinc/) [Twitter](https://twitter.com/IAMSINC) [Linkedin](https://www.linkedin.com/organization/2128303/) [YouTube](https://www.youtube.com/user/IAMSinc) [![Insurance Agency Marketing Services](https://blog.iamsinc.com/hs-fs/hubfs/Iamsinc-September2017-Theme/Images/IAMS-Logo_240x52.png?width=240&height=52&name=IAMS-Logo_240x52.png)](http://www.iamsinc.com/) - [Home](https://www.iamsinc.com/) - [Why IAMS](https://www.iamsinc.com/why-iams/) - [Partner With Us](https://www.iamsinc.com/licensing/) - [Agent Kit](https://www.iamsinc.com/agent-kit/) - [About](https://www.iamsinc.com/about/) - [Meet Our Team](https://www.iamsinc.com/meet-our-team/) - [Careers](https://secure.careerlink.com/postings/6694-insurance-agency-marketing-services-inc/) - [Products](https://www.iamsinc.com/products/) - [Annuity](https://www.iamsinc.com/annuity/) - 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[AssessBest](https://www.iamsinc.com/assessbest/) - [Marketing Corner](https://www.iamsinc.com/marketing-corner/) - [Contact](https://www.iamsinc.com/contact/) # 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% #### Author:Webmaster [Next Lydia House Women & Family Center at Open Door Mission](https://blog.iamsinc.com/lydia-house-women-family-center-at-open-door-mission) [Previous Key Highlights from the SECURE Act 2.0](https://blog.iamsinc.com/key-highlights-from-the-secure-act-2-0) ### Recent Posts ### Insurance Agency Marketing Services, Inc. 505 North 210th Street, Elkhorn, NE 68022 (800) 255-5055 (402) 330-7296 [contact@iamsinc.com](mailto:contact@iamsinc.com) ### Marketing Corner ### Our Location ### Follow us Find us on: [Facebook](https://www.facebook.com/iamsinc/) [Twitter](https://twitter.com/IAMSINC) [YouTube](https://www.youtube.com/user/IAMSinc) [Linkedin](https://www.linkedin.com/company/insurance-agency-marketing/) Search: ©2025 Insurance Agency Marketing Services, Inc. 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