Terms and Conditions

Company Licensing Information

The products described in this web site (this “Web Site”) are provided by one or more of the following companies (collectively “MassMutual Ascend”):

Annuity Investors Life Insurance Company

Annuity Investors Life Insurance Company is an OH domiciled life and health insurance company, authorized in all states and the D.C. except in NY and VT, with its principal place of business at 191 Rosa Parks Street, Cincinnati, OH 45202, NAIC number 93661.

MassMutual Ascend Life Insurance Company

MassMutual Ascend Life Insurance Company is an OH domiciled life and health insurance company, authorized in all states and the D.C. except in NY, with its principal place of business at 191 Rosa Parks Street, Cincinnati, OH 45202, NAIC number 63312.

Manhattan National Life Insurance Company

Manhattan National Life Insurance Company is an OH domiciled life and health insurance company, authorized in all states and the D.C. except in NY, with its principal place of business at 191 Rosa Parks Street, Cincinnati, OH 45202, NAIC number 67083.

All insurance products referred to in this Web Site are subject to availability and qualifications. Not all companies are licensed in all jurisdictions. Not all products are available in all jurisdictions. The materials available through this Web Site do not constitute an offer of any product in any jurisdiction. Licensing information current as of October 2022.

Web Site Usage Agreement Terms and Conditions

This Web Site contains links to our affiliate’s web sites. The terms and conditions contained in affiliate’s web sites supersede these terms and conditions for purposes of that affiliate’s web site and that affiliate’s customers, potential customers and claimants.

Web Site content is the property of MassMutual Ascend. This page sets forth the terms and conditions under which MassMutual Ascend provides the information on this Web Site, as well as the terms and conditions governing your use of the Web Site. By making use of this Web Site, you agree to be bound by the terms and conditions that appear here. These terms and conditions are subject to updating at any time without notice. Changes to the terms and conditions take effect when posted to the Web Site.


Copyright / Trademark

© Copyright 2023 MassMutual Ascend Life Insurance Company. All rights reserved. No part of the materials made available may be stored, recorded, reproduced, photocopied or transmitted, in any form or by any means without prior written approval. The MassMutual Ascend logo and the word marks “MassMutual Ascend Life Insurance Company” and “MassMutual Ascend” are the property of Massachusetts Mutual Life Insurance Company. All other service marks used within this Web Site are the property of MassMutual Ascend as well as the names of various products and services described within and offered by MassMutual Ascend. For a non-exhaustive list of all service marks owned by MassMutual Ascend, click here.


Use of this Web Site is governed by the laws of the state of Ohio, USA other than laws governing conflicts of laws. The exclusive venue for the resolution of any related dispute is a court of competent jurisdiction in Hamilton County, Ohio, USA.


If any part of these terms and conditions are invalidated by a court of competent jurisdiction, the invalid provision(s) are deleted and the remaining provisions are not affected and remain valid and enforceable.

Important Disclosures about Annuity Products

Annuity products are issued by MassMutual Ascend Life Insurance Company.  All guarantees are based on the financial strength and claims paying ability of MassMutual Ascend Life Insurance Company, which is solely responsible for all obligations under its policies.

Registered index-linked annuity products are sold by prospectus which you should read carefully before investing.  The product prospectus for registered index-linked annuities can be obtained from your investment professional and may be available online.  These product prospectuses contain information regarding risks, charges, expenses and other important matters.

No security or annuity product is offered or will be sold in any jurisdiction in which such offer or solicitation would be unlawful under the laws of the jurisdiction.  Some products or product features may not be available in all states.

Products Availability – All Products and Services

The information and descriptions of products and services contained in this Web Site are intended as general information and do not contain all the terms, conditions, limits and other criteria applicable to the products and services offered by MassMutual Ascend. MassMutual Ascend may make improvements or changes in the products and services described on this Web Site at any time without notice.

None of the information and descriptions contained in this Web Site should be viewed as an offer to sell or as a solicitation to purchase any of MassMutual Ascend’s products or services. Availability of the products and services described varies by jurisdiction. This is not intended as a solicitation or offer to sell an insurance product in a jurisdiction in which the solicitation, offer, sale or purchase thereof would be unlawful.

The contents of this Web Site, and the information and descriptions of the products and services contained in this Web Site do not constitute investment or financial advice and should not be used as a substitute for professional advice, assessment and evaluation, or the basis for making any specific investment decision. You should always consult your professional advisers and obtain independent verification of such information and data before making any decision based thereon.

Nothing in this Web Site or made available through the products and services shall be considered or construed on the part of MassMutual Ascend as giving any advice in respect of shares, stocks, bonds, notes, interests, unit trusts, mutual funds or other securities, investments, loans, advances, credits, insurance or deposits in any jurisdiction.

This Web Site does not amend, modify or supplement any annuity contract or insurance policy. Your eligibility for products and services is subject to final determination of underwriting qualifications and acceptance by MassMutual Ascend.

Third Party Sites

This Web Site may contain links to other internet sites ("third-party sites") that are not maintained by MassMutual Ascend. These links are provided solely for your convenience. MassMutual Ascend makes no warranties or representations about and disclaims any responsibility for the contents of any products or services offered in such third-party sites. Any reference to a linked site or any specific product or service by name does not constitute or imply its endorsement by MassMutual Ascend.

Warranties Disclaimers

The materials contained in this Web Site and in linked sites directly or indirectly accessible from this Web Site are provided without warranties of any kind, either express or implied, including but not limited to all implied warranties of merchantability or fitness for a particular purpose, title or non-infringement. MassMutual Ascend does not guarantee the accuracy, completeness, timeliness or availability of the content of this Web Site or any portal or service promoted on this Web Site.


All information that you submit to MassMutual Ascend via this Web Site shall be deemed, and remain, the property of MassMutual Ascend. To the extent any information submitted to MassMutual Ascend via this Web Site includes any intellectual property; you hereby assign it to MassMutual Ascend. MassMutual Ascend shall be free to use, for any purpose, any ideas, concepts, know-how or techniques contained in information a visitor to this Web Site provides through this Web Site. MassMutual Ascend shall not be subject to any obligations regarding such information except as expressly indicated in any applicable Privacy Statement(s) contained within the Web Site, agreed to by MassMutual Ascend having the direct customer relationship with the person providing the information, otherwise specifically agreed to in a separate writing, or if required by law. You further recognize that MassMutual Ascend does not want you to provide, and prohibits you from providing, any information or material to MassMutual Ascend that is defamatory, threatening, obscene, harassing, or otherwise unlawful, or that incorporates the proprietary material of another person or entity. MassMutual Ascend reserves the right to refuse to post material on the Web Site or to remove material already posted on the Web Site.


You agree that we may collect, use, and disclose the information you provide on this website in accordance with the terms of the MassMutual Ascend Privacy Policy.


To the fullest extent permissible by applicable law, you agree to indemnify and hold MassMutual Ascend, its officers, directors, shareholders, predecessors, successors in interest, employees, agents, subsidiaries and affiliates, harmless from any demands, loss, liability, claims or expenses (including attorneys’ fees), made against MassMutual Ascend by any third party due to or arising out of, or in connection with, your use of the Web Site.


We may, in our sole discretion, terminate or suspend your access to all or part of this Web Site and its contents for any reason, including, without limitation, your breach of these Terms and Conditions.

Service Marks

Service Marks Owned by MassMutual Ascend.