Terms & 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, except in NY, as well as the D.C. and PR, 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 2024.
Web Site Usage Agreement Terms and Conditions
This Web Site contains links to our affiliates’ web sites. The terms and conditions contained in an affiliate’s web site 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.
IF AT ANY TIME YOU DO NOT ACCEPT THE TERMS AND CONDITIONS, DO NOT ACCESS THE WEB SITE OR ANY OF ITS PAGES.
Copyright / Trademark
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 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.
Jurisdiction
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.
Enforceability
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 in accordance with the express terms thereof.
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.
Online Accounts
Certain parts of the Web Site may require a user name, password, the use of a personal identification number, or security questions and answers (collectively, “Login Credentials”) in order to access your policy, contract, certificate or account ("Account") information. You agree to provide MassMutual Ascend with current, complete, and accurate information about you as prompted during the registration process and agree to regularly update this information to maintain its completeness and accuracy. You agree to use the Web Site to access only those Accounts on which you are authorized to act, and you agree to use your own Login Credentials when accessing Accounts on which you are authorized to act. You agree not to obtain or attempt to obtain unauthorized access to the Web Site through any means not intentionally made available to you by MassMutual Ascend.
You agree that you are responsible for maintaining the confidentiality of any Login Credentials that you use to access any page or feature on the Web Site, and for logging off of your account and any protected areas of the Web Site. Further, you agree that you are fully responsible for all activities (including any transactions entered into) under your Login Credentials that result from your negligence, carelessness, misconduct, or failure to use or maintain appropriate security measures. If your Login Credentials are lost or stolen or you become aware of any suspicious or unauthorized conduct concerning your Account(s), you agree to contact MassMutual Ascend immediately. By accessing the Web Site in your capacity as a representative of: (i) the sponsor of a retirement plan, (ii) employer of employees covered by the plan, (iii) financial advisor to the plan, or (iv) the plan’s third-party administrator, you acknowledge and agree that you must timely communicate to MassMutual Ascend if you or any other person or entity authorized by you to have access to this online account in such capacity are no longer authorized to have access to this online account. MassMutual Ascend will not be liable for any loss or damage arising from your failure to comply with this paragraph.
Products and services provided to you through the Web Site may involve the electronic transmission of information that you may consider to be personal financial information or promotional and marketing materials and you consent to such transmission, including via any e-mail address you provide to us. We may modify the information contained on the Web Site or modify the availability of any transactions at any time.
Consent to recording
By using our Web Site, you consent to the recording and analysis of your interactions, which may include mouse movements, clicks, page scrolling, and text entered into fields. This data may be used to help us improve website performance, enhance user experience, and provide insights into engagement. We mask sensitive information to protect your privacy, but please be aware that certain details of your activity may be captured. Your recorded interactions may be reviewed solely by us or by a trusted third-party provider that is contractually obligated to maintain the confidentiality and security of your data. You can review our privacy policy for more information on how we handle your data and your opt-out options.
Text messaging program
MassMutual Ascend operates a text messaging program (the “MassMutual Ascend Program”) for certain transaction related notifications to our contract owners (“customers”). For example, we may send text messages related to a customer’s request to make a contract withdrawal. If we send you a transaction related text message, you can reply "STOP" to opt out of the MassMutual Ascend Program. After we receive the “STOP” text, we will send you a text message confirming that you have opted out of the MassMutual Ascend Program. After opting out, you may elect to use the MassMutual Ascend Program in the future by texting “START.” If you need assistance or support, you may text “HELP” or call our customer service department at 1-800-854-3649. Text message frequency varies. Message and data rates may apply.
MassMutual Ascend and mobile phone carriers are not liable for delayed or undelivered messages. See our Privacy Policy for how we treat your data.
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.
Submissions
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.
Privacy
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.
Indemnity
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.
Termination
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.