MNL IndexBuilder 10
Midland National
6%
Best Cap
10%
Free W/D
50
States
A fixed index annuity that protects your savings from market losses while offering growth potential through indexed accounts, premium bonuses, and flexible withdrawal options—designed for retirees seeking stability without giving up upside opportunity.
Free Withdrawal
10%/yr
Available In
50 states
Min Premium
$20,000
Surrender
10 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| Fidelity Multifactor Yield Index 5% ER | 2-Year | -- | 105% | -- |
| Fidelity Multifactor Yield Index 5% ER | Annual | -- | 65% | -- |
| Nasdaq-100 Volatility Control 12% Index | 2-Year | -- | 40% | -- |
| Nasdaq-100 Volatility Control 12% Index | Annual | -- | 30% | -- |
| S&P 500 Dynamic Intraday TCA Index (USD) ER | 2-Year | -- | 35% | -- |
| S&P 500 Dynamic Intraday TCA Index (USD) ER | Annual | -- | 25% | -- |
| S&P 500 Index | 2-Year | -- | 30% | -- |
| S&P 500 Index | Annual | 6% | 100% | -- |
| S&P 500 Index | Monthly | 1.4% | 100% | -- |
| S&P MARC 5% Excess Return | 2-Year | -- | 100% | -- |
| S&P MARC 5% Excess Return | Annual | -- | 115% | -- |
| Fixed Account | Daily | -- | -- | 2.7% |
Key Features
Premium Bonus
Up to 10% base bonus + 7% enhanced bonus (with optional rider) = up to 17% totalImmediate credit to your account when you open the policy and on additional premiums deposited in the first three years
Penalty-Free Withdrawals
10% standard (or 20% maximum in years with no prior withdrawals if you have optional rider)Access a portion of your accumulation value annually without surrender charges, starting in year two
Index Strategy Options
17 total strategies including S&P 500, multi-asset risk control, ESG, dividend-focused, and low-volatility optionsChoose from multiple crediting methods tied to market indices with different risk/reward profiles
Death Benefit
100% of accumulated funds pass to heirsYour beneficiary receives the full accumulation value or minimum surrender value, whichever is greater
Tax Deferral
No taxes owed until you withdraw fundsYour investment grows without annual tax liability, allowing more time for compounding
Nursing Home Waiver
Available automatically (not in MA); subject to rider termsWithdraw up to 100% of your accumulation value penalty-free if confined to a qualified nursing care facility
Return of Premium
Available with optional rider; net premium excludes strategy charges and taxesAfter year three, you can withdraw your net premiums paid at any time without surrender charges
Highlights
Up to 17% total immediate premium bonus (10% base + 7% enhanced with optional rider) on all premiums received in first three years
Protection from market downturns with potential for growth through multiple index strategies and crediting methods
Flexible access to funds with 10% annual penalty-free withdrawals (or up to 20% with optional rider) starting year two
Tax-deferred growth with income for life options and full accumulation value passed to beneficiaries at death
17 interest-crediting strategies including 6 enhanced participation options for greater upside potential
Surrender Schedule
Yr 1
10%
Yr 2
10%
Yr 3
9%
Yr 4
9%
Yr 5
8%
Yr 6
8%
Yr 7
7%
Yr 8
6%
Yr 9
4%
Yr 10
2%
After
0%
Nursing home waiver, RMD waiver
Best For
Retirees or near-retirees who want market growth potential with downside protection, need flexible access to funds, and can commit capital for 7-10 years to maximize bonuses and avoid surrender charges.
Consider Alternatives If
Investors who need immediate or frequent access to all their funds, cannot tolerate the surrender charge period, or prefer direct stock market investment with unlimited upside.
Carrier Ratings
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