--- title: On The Move - October 15, 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 - October 15, 2024 - Insurance Agency Marketing Services](https://blog.iamsinc.com/on-the-move-oct-15-2024) Written by [Webmaster](https://blog.iamsinc.com/author/webmaster) | Oct 15, 2024 10:46:26 AM #### October 16, 2024 – Effective Date of Change ## Farmers Life Insurance Company #### Fixed Indexed Annuity **Farmers Harvest 10 10,000+** - Fixed Account Rate:  Rate: 4% - S&P 500 Annual Point-to-Point Cap Rate:  Cap 9.5%  - S&P 500 Annual Point-to-Point Enhanced Cap Rate :  Cap 11.5%  - S&P 500 Annual Point-to-Point Enhanced Participation Rate:  Part Rate 55% - S&P 500 Annual Point-to-Point Participation Rate:  Part Rate 45% - S&P U.S. Dividend Growers VA RC2 7.5% Annual Point-to-Point Participation Rate:  Part Rate 90% - S&P U.S. Dividend Growers VA RC2 7.5% Annual Point-to-Point Enhanced Participation Rate :  Part Rate 110% - Nasdaq-100 Volatility Control 7% Annual Point-to-Point Participation Rate:  Part Rate 115% - Nasdaq-100 Volatility Control 7% Annual Point-to-Point Enhanced Participation Rate:  Part Rate 140% - Bloomberg Global Momentum Diversified Leaders 5% ERAnnual Point-to-Point Enhanced Participation Rate:  Part Rate 165% - Bloomberg Global Momentum Diversified Leaders 5% ER Annual Point-to-Point Participation Rate:  Part Rate 140% **Farmers Harvest 10 Enhanced Liquiditiy 10,000+** - Fixed Account Rate:  Rate: 3.75% - Bloomberg Global Momentum Diversified Leaders 5% ERAnnual Point-to-Point Enhanced Participation Rate:  Part Rate 140% - S&P 500 Annual Point-to-Point Cap Rate:  Cap 7.75%  - S&P 500 Annual Point-to-Point Enhanced Cap Rate :  Cap 9.5%  - S&P 500 Annual Point-to-Point Enhanced Participation Rate:  Part Rate 45% - S&P 500 Annual Point-to-Point Participation Rate:  Part Rate 35% - S&P U.S. Dividend Growers VA RC2 7.5% Annual Point-to-Point Participation Rate:  Part Rate 70% - S&P U.S. Dividend Growers VA RC2 7.5% Annual Point-to-Point Enhanced Participation Rate :  Part Rate 90% - Nasdaq-100 Volatility Control 7% Annual Point-to-Point Participation Rate:  Part Rate 90% - Nasdaq-100 Volatility Control 7% Annual Point-to-Point Enhanced Participation Rate:  Part Rate 115% - Bloomberg Global Momentum Diversified Leaders 5% ER Annual Point-to-Point Participation Rate:  Part Rate 115% **Farmers Harvest 10 Premium Bonus 10,000+** - Fixed Account Rate:  Rate: 3.75% - Bloomberg Global Momentum Diversified Leaders 5% ERAnnual Point-to-Point Enhanced Participation Rate:  Part Rate 140% - S&P 500 Annual Point-to-Point Cap Rate:  Cap 7.75%  - S&P 500 Annual Point-to-Point Enhanced Cap Rate :  Cap 9.5%  - S&P 500 Annual Point-to-Point Enhanced Participation Rate:  Part Rate 45% - S&P 500 Annual Point-to-Point Participation Rate:  Part Rate 35% - S&P U.S. Dividend Growers VA RC2 7.5% Annual Point-to-Point Participation Rate:  Part Rate 70% - S&P U.S. Dividend Growers VA RC2 7.5% Annual Point-to-Point Enhanced Participation Rate :  Part Rate 90% - Nasdaq-100 Volatility Control 7% Annual Point-to-Point Participation Rate:  Part Rate 90% - Nasdaq-100 Volatility Control 7% Annual Point-to-Point Enhanced Participation Rate:  Part Rate 115% - Bloomberg Global Momentum Diversified Leaders 5% ER Annual Point-to-Point Participation Rate:  Part Rate 115% **Farmers Harvest 5 10,000+** - Fixed Account Rate:  Rate: 4% - S&P 500 Annual Point-to-Point Cap Rate:  Cap 9.5%  - S&P 500 Annual Point-to-Point Enhanced Cap Rate :  Cap 11.5%  - S&P 500 Annual Point-to-Point Enhanced Participation Rate:  Part Rate 55% - S&P 500 Annual Point-to-Point Participation Rate:  Part Rate 45% - S&P U.S. Dividend Growers VA RC2 7.5% Annual Point-to-Point Participation Rate:  Part Rate 90% - S&P U.S. Dividend Growers VA RC2 7.5% Annual Point-to-Point Enhanced Participation Rate :  Part Rate 110% - Nasdaq-100 Volatility Control 7% Annual Point-to-Point Participation Rate:  Part Rate 115% - Nasdaq-100 Volatility Control 7% Annual Point-to-Point Enhanced Participation Rate:  Part Rate 140% - Bloomberg Global Momentum Diversified Leaders 5% ERAnnual Point-to-Point Enhanced Participation Rate:  Part Rate 165% - Bloomberg Global Momentum Diversified Leaders 5% ER Annual Point-to-Point Participation Rate:  Part Rate 140% **Farmers Harvest 5 Enhanced Liquiditiy 10,000+** - Fixed Account Rate:  Rate: 3.75% - Bloomberg Global Momentum Diversified Leaders 5% ERAnnual Point-to-Point Enhanced Participation Rate:  Part Rate 140% - S&P 500 Annual Point-to-Point Cap Rate:  Cap 7.75%  - S&P 500 Annual Point-to-Point Enhanced Cap Rate :  Cap 9.5%  - S&P 500 Annual Point-to-Point Enhanced Participation Rate:  Part Rate 45% - S&P 500 Annual Point-to-Point Participation Rate:  Part Rate 35% - S&P U.S. Dividend Growers VA RC2 7.5% Annual Point-to-Point Participation Rate:  Part Rate 70% - S&P U.S. Dividend Growers VA RC2 7.5% Annual Point-to-Point Enhanced Participation Rate :  Part Rate 90% - Nasdaq-100 Volatility Control 7% Annual Point-to-Point Participation Rate:  Part Rate 90% - Nasdaq-100 Volatility Control 7% Annual Point-to-Point Enhanced Participation Rate:  Part Rate 115% - Bloomberg Global Momentum Diversified Leaders 5% ER Annual Point-to-Point Participation Rate:  Part Rate 115% **Farmers Harvest 7 10,000+** - Fixed Account Rate:  Rate: 4% - S&P 500 Annual Point-to-Point Cap Rate:  Cap 9.5%  - S&P 500 Annual Point-to-Point Enhanced Cap Rate :  Cap 11.5%  - S&P 500 Annual Point-to-Point Enhanced Participation Rate:  Part Rate 55% - S&P 500 Annual Point-to-Point Participation Rate:  Part Rate 45% - S&P U.S. Dividend Growers VA RC2 7.5% Annual Point-to-Point Participation Rate:  Part Rate 90% - S&P U.S. Dividend Growers VA RC2 7.5% Annual Point-to-Point Enhanced Participation Rate :  Part Rate 110% - Nasdaq-100 Volatility Control 7% Annual Point-to-Point Participation Rate:  Part Rate 115% - Nasdaq-100 Volatility Control 7% Annual Point-to-Point Enhanced Participation Rate:  Part Rate 140% - Bloomberg Global Momentum Diversified Leaders 5% ERAnnual Point-to-Point Enhanced Participation Rate:  Part Rate 165% - Bloomberg Global Momentum Diversified Leaders 5% ER Annual Point-to-Point Participation Rate:  Part Rate 140% **Farmers Harvest 7 Enhanced Liquiditiy 10,000+** - Fixed Account Rate:  Rate: 3.75% - Bloomberg Global Momentum Diversified Leaders 5% ERAnnual Point-to-Point Enhanced Participation Rate:  Part Rate 140% - S&P 500 Annual Point-to-Point Cap Rate:  Cap 7.75%  - S&P 500 Annual Point-to-Point Enhanced Cap Rate :  Cap 9.5%  - S&P 500 Annual Point-to-Point Enhanced Participation Rate:  Part Rate 45% - S&P 500 Annual Point-to-Point Participation Rate:  Part Rate 35% - S&P U.S. Dividend Growers VA RC2 7.5% Annual Point-to-Point Participation Rate:  Part Rate 70% - S&P U.S. Dividend Growers VA RC2 7.5% Annual Point-to-Point Enhanced Participation Rate :  Part Rate 90% - Nasdaq-100 Volatility Control 7% Annual Point-to-Point Participation Rate:  Part Rate 90% - Nasdaq-100 Volatility Control 7% Annual Point-to-Point Enhanced Participation Rate:  Part Rate 115% - Bloomberg Global Momentum Diversified Leaders 5% ER Annual Point-to-Point Participation Rate:  Part Rate 115% **Farmers Harvest 7 Premium Bonus 10,000+** - Fixed Account Rate:  Rate: 3.75% - Bloomberg Global Momentum Diversified Leaders 5% ERAnnual Point-to-Point Enhanced Participation Rate:  Part Rate 140% - S&P 500 Annual Point-to-Point Cap Rate:  Cap 7.75%  - S&P 500 Annual Point-to-Point Enhanced Cap Rate :  Cap 9.5%  - S&P 500 Annual Point-to-Point Enhanced Participation Rate:  Part Rate 45% - S&P 500 Annual Point-to-Point Participation Rate:  Part Rate 35% - S&P U.S. Dividend Growers VA RC2 7.5% Annual Point-to-Point Participation Rate:  Part Rate 70% - S&P U.S. Dividend Growers VA RC2 7.5% Annual Point-to-Point Enhanced Participation Rate :  Part Rate 90% - Nasdaq-100 Volatility Control 7% Annual Point-to-Point Participation Rate:  Part Rate 90% - Nasdaq-100 Volatility Control 7% Annual Point-to-Point Enhanced Participation Rate:  Part Rate 115% - Bloomberg Global Momentum Diversified Leaders 5% ER Annual Point-to-Point Participation Rate:  Part Rate 115% #### October 21, 2024 – Effective Date of Change ## MassMutual Ascend Life Insurance Company #### Fixed Indexed Annuity **American Landmark 5 10,000+** - 1 Year S&P 500 Annual Point-to-Point with Cap:  Cap 7%  - 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 Patrticipation Rate:  Part Rate 60% - 1 Year S&P 500 Risk Control Annual Point to Point PR:  Part Rate 55% - 1 Year Declared Rate Strategy :  Rate: 3.35% - 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%  **American Landmark 5 100,000+** - 1-Year First Trust Barclays Edge point-to-point with Cap rate:  Cap 12.5%  - 1-Year First Trust Barclays Edge point-to-point with 5-year Cap rate lock:  Cap 12.25%  - S&P 500 5-year Cap Lock Annual Point-to-Point :  Cap 7%  - 1 Year Declared Rate Strategy :  Rate: 3.5% - 1 Year S&P 500 Risk Control Annual Point to Point PR:  Part Rate 60% - 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 8.3%  - 1 Year S&P 500 Annual Point-to-Point with Cap:  Cap 7.5%  **American Landmark 5 Non-MVA 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 7.75%  - 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 50% - S&P 500 5-year cap lock annual point-to-point :  Cap 6%  - 1-Year First Trust Barclays Edge point-to-point with Cap rate:  Cap 11%  - 1-Year First Trust Barclays Edge point-to-point with 5-year Cap rate lock:  Cap 10.75%  - 1 Year Declared Rate Strategy :  Rate: 3.25% **American Landmark 5 Non-MVA 100,000+** - 1 Year Declared Rate Strategy :  Rate: 3.35% - 1-Year First Trust Barclays Edge point-to-point with 5-year Cap rate lock:  Cap 11%  - 1-Year First Trust Barclays Edge point-to-point with Cap rate:  Cap 11.25%  - S&P 500 5-year cap lock annual point-to-point :  Cap 6.25%  - 1 Year S&P 500 Risk Control with PR:  Part Rate 55% - 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 8.25%  - 1 Year S&P 500 Annual Point-to-Point with Cap :  Cap 6.75%  **AssuranceSelect 5 Plus 10,000+** - 1-Year First Trust Barclays Edge point-to-point with 5-year Cap rate lock:  Cap 12.25%  - 1-Year First Trust Barclays Edge point-to-point with Cap rate:  Cap 12.5%  - S&P 500 Annual Point-to-Point:  Cap 8%  - iShares US Real Estate Annual Point-to-Point:  Cap 9.5%  - Declared Rate:  Rate: 3.6% - S&P 500 Risk Control 1-year point-to-point with participation rate :  Part Rate 60% - S&P U.S. Retiree Spending 1-year point-to-point with participation rate:  Part Rate 70% - SPDR Gold Shares 1-year point-to-point with cap:  Cap 9.75%  - S&P 500 5-year cap lock annual point-to-point :  Cap 8%  **AssuranceSelect 5 Plus 100,000+** - S&P 500 5-year cap lock annual point-to-point :  Cap 8.5%  - SPDR Gold Shares 1-year point-to-point with cap:  Cap 10.25%  - S&P U.S. Retiree Spending 1-year point-to-point with participation rate:  Part Rate 75% - S&P 500 Risk Control 1-year point-to-point with participation rate :  Part Rate 65% - Declared Rate:  Rate: 3.85% - iShares US Real Estate Annual Point-to-Point:  Cap 10%  - S&P 500 Annual Point-to-Point:  Cap 8.5%  - 1-Year First Trust Barclays Edge point-to-point with Cap rate:  Cap 13%  - 1-Year First Trust Barclays Edge point-to-point with 5-year Cap rate lock:  Cap 12.75%  [View full post](https://blog.iamsinc.com/on-the-move-oct-15-2024) ```json { "@context" : "http://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "Webmaster" }, "dateModified" : "2025-04-15T17:44:52.495Z", "datePublished" : "2024-10-15T10:46:26Z", "headline" : "On The Move – October 15, 2024", "image" : { "@type" : "ImageObject", "height" : 60, "url" : "/hs/hsstatic/content_shared_assets/static-1.4092/img/default-amp-logo.png", "width" : 60 }, "mainEntityOfPage" : "https://blog.iamsinc.com/on-the-move-oct-15-2024", "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "height" : 60, "url" : "/hs/hsstatic/content_shared_assets/static-1.4092/img/default-amp-logo.png", "width" : 60 }, "name" : "IAMS Blog" } } ```