LiveWell Guarantee Max
Midland National
4.9%
Best Rate
50
States
A multi-year guaranteed annuity that locks in a fixed interest rate for 3, 5, or 7 years with tax-deferred growth and no market risk. Ideal for retirees who want predictable income and portfolio stability.
Available In
50 states
Min Premium
$20,000
Surrender
7 years
Guaranteed Rates by Term
| Term | Guaranteed Rate |
|---|---|
| 3-Year | 4.55% |
| 5-Year | 4.9% |
| 7-Year | 4.65% |
Key Features
Guaranteed Interest Rate
Rate varies by premium amount and term selectedFixed rate locked in for your entire guarantee period (3, 5, or 7 years), backed by Midland National's claims-paying ability
Premium Range
$20,000 to $1,000,000Minimum investment of $20,000 with maximum of $1,000,000; higher premiums may qualify for better interest rates
Tax-Deferred Growth
No annual tax liability during accumulation phaseInterest compounds daily and grows tax-free until you make a withdrawal
Penalty-Free Withdrawals
Equal to prior year interest earnedAfter the first contract year, withdraw the interest earned that year without surrender charges or penalties
Nursing Home Waiver
Automatically included at no extra costAfter the first contract anniversary, withdraw up to 100% of your accumulation value without surrender charges if confined to a qualified nursing care facility
Death Benefit Protection
Paid as lump sum or series of paymentsBeneficiaries receive the greater of accumulation value or minimum surrender value with no surrender charges or market value adjustments
Highlights
Fixed interest rate guaranteed each year for your chosen 3, 5, or 7-year period with no market risk
Tax-deferred growth means your money compounds faster before you pay any taxes
Penalty-free withdrawals of annual interest earned, plus a nursing home waiver at no extra cost
Issued by Midland National with strong financial ratings (A.M. Best Superior, S&P Strong, Fitch Stable)
Surrender Schedule
Yr 1
9%
Yr 2
8%
Yr 3
7%
Yr 4
6%
Yr 5
5%
Yr 6
4%
Yr 7
3%
After
0%
Nursing home waiver, RMD waiver
Best For
Conservative retirees and pre-retirees who value guaranteed income, predictability, and tax deferral over market growth, and have $20,000 or more to invest for a defined 3-7 year period.
Consider Alternatives If
Investors seeking market-linked returns, those needing immediate access to all their funds without penalties, or individuals who cannot commit funds for the full guarantee period.
Carrier Ratings
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