MNL RetireVantage 10
Midland National
9%
Best Cap
10%
Free W/D
50
States
A flexible premium fixed index annuity that offers tax-deferred growth potential through multiple index strategies, guaranteed income for life, and flexibility to access funds when needed during retirement.
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 | -- | 210% | -- |
| Fidelity Multifactor Yield Index 5% ER | Annual | -- | 145% | -- |
| Nasdaq-100 Volatility Control 12% Index | 2-Year | -- | 85% | -- |
| Nasdaq-100 Volatility Control 12% Index | Annual | -- | 60% | -- |
| S&P 500 Dynamic Intraday TCA Index (USD) ER | 2-Year | -- | 75% | -- |
| S&P 500 Dynamic Intraday TCA Index (USD) ER | Annual | -- | 50% | -- |
| S&P 500 Index | 2-Year | -- | 45% | -- |
| S&P 500 Index | Annual | 9% | 100% | -- |
| S&P 500 Index | Monthly | 2.2% | 100% | -- |
| S&P MARC 5% Excess Return | 2-Year | -- | 185% | -- |
| S&P MARC 5% Excess Return | Annual | -- | 185% | -- |
| Fixed Account | Daily | -- | -- | 3.4% |
Key Features
Multiple Index Strategies
S&P 500, Nasdaq-100, Fidelity Multifactor Yield Index and othersChoose from Annual Point-to-Point, Monthly Point-to-Point, Two-Year Point-to-Point, or Annual Inverse Performance Trigger crediting methods with various indices including S&P 500, S&P MARC 5% ER, and volatility-controlled options.
Enhanced Crediting Methods
Higher growth potential for a set feeUnlock greater upside potential by paying a guaranteed strategy charge deducted annually from your account.
Penalty-Free Withdrawals
10% annual penalty-free accessAccess up to 10% of your accumulation value each year without surrender charges or market value adjustments starting in year one.
Nursing Home Confinement Waiver
Automatic inclusion, no additional chargeAfter year one, withdraw up to 10% of accumulation value penalty-free if confined to a qualified nursing care center.
Accumulation Value True-Up
Premium protection built-inIf interest credited is less than total strategy charges over the surrender charge period, receive a one-time refund of the difference.
Tax-Deferred Growth
Tax deferral until withdrawalYour account value grows without annual tax liability, allowing more funds to compound over time.
Lifetime Income Options
Multiple payout structures availableConvert your accumulation value to guaranteed lifetime income with choices including life-only, period certain, and joint survivor options.
Death Benefit
100% of accumulated value or minimum guaranteeYour beneficiary receives either the full accumulation value or minimum surrender value (whichever is greater) as a lump sum or income payments.
Reset Feature
Gains protected, new starting point each termAnnual and two-year resets lock in interest credits and reset your index starting point, protecting gains from market downturns.
Market Value Adjustment
State variations applyYour surrender value may increase or decrease based on external index rate changes since purchase, applied only during surrender charge period.
Highlights
Multiple index strategies with enhanced crediting methods for greater growth potential
Penalty-free withdrawals of up to 10% annually plus nursing home confinement waiver
Tax-deferred growth with lifetime income options and full death benefit to beneficiaries
Flexible premium ($20,000 minimum) available at ages 0-79 for qualified and non-qualified accounts
Accumulation value protection through AV true-up if strategy charges exceed interest credits
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
Individuals seeking long-term retirement income with tax deferral who want market-linked growth potential combined with downside protection and the flexibility to access funds if needed.
Consider Alternatives If
Investors needing immediate access to principal, those in low tax brackets where tax deferral provides minimal benefit, or those uncomfortable with index-linked returns and surrender charges.
Carrier Ratings
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