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Best Guaranteed Annuity Rates
2-Year
5.25%
3-Year
6.25%
5-Year
6.30%
7-Year
5.80%
10-Year
5.80%
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MNL RetireVantage 14

In the complex world of retirement planning, annuities stand out as a popular choice for those seeking steady income streams in their golden years. Amidst a crowded market, a few annuity companies have distinguished themselves through their robust financial strength, customer service excellence, and diverse product offerings.

Get an annuity today!

Learn how an annuity can provide guaranteed income for life.

The MNL RetireVantage 14 flexible premium fixed index annuity provides a flexible long-term solution that offers a variety of choices and guarantees to fit your ultimate retirement planning goals.

Summary of benefits
  • Multiple index account options available 
  • Tax deferral, income for life, and full accumulation value at death 
Strategy charge: In exchange for a strategy charge, the client unlocks greater upside potential through an enhanced participation rate. The strategy charge is deducted from the accumulation value at the end of each term and is guaranteed to stay the same for the life of the contract.
Strategy charges are considered a partial surrender and for purposes of the Return of Premium feature will reduce the Net Premium accordingly. The charge will be deducted at the time of full surrender and at the time of a partial withdrawal that exceeds the penalty-free withdrawal amount.
The strategy fee is known as a Strategy Fee Annual Percentage in your contract. The annual charge is multiplied by 2 for the two-year crediting strategy.
Available in states: AL, AZ, AR, CA, CO, DC, FL, GA, HI, IL, IN, IA, KS, KY, LA, ME, MA, MI, MS, NE, NM, NC, ND, RI, SD, TN, VT, WV, WI, and WY

Allocation Accounts

Name Type Rates
1-Year Fixed Account
Fixed
3.6% Fixed
2-Year Fidelity Multifactor Yield 5% ER PTP Enhanced Participation Rate
Point to Point
Biennial
290% Participation
2-Year S&P MARC 5% ER PTP Enhanced Participation Rate
Point to Point
Biennial
280% Participation
1-Year S&P MARC 5% ER PTP Enhanced Participation Rate
Point to Point
Annual
210% Participation
1-Year Fidelity Multifactor Yield 5% ER PTP Spread
Point to Point
Annual
2-Year Fidelity Multifactor Yield 5% ER PTP Participation Rate
Point to Point
Biennial
230% Participation
2-Year S&P MARC 5% ER PTP Participation Rate
Point to Point
Biennial
220% Participation
1-Year S&P 500 PTP Monthly Sum Cap
Point to Point
Annual
Monthly sum
2.2% Cap
1-Year S&P 500 PTP Cap
Point to Point
Annual
7% Cap
1-Year S&P 500 LV DRC 5% TR PTP Spread
Point to Point
Annual
3.05% Spread
2-Year S&P 500 LV DRC 8% TR PTP Spread
Point to Point
Biennial
3.1% Spread
1-Year S&P MARC 5% ER PTP Participation Rate
Point to Point
Annual
155% Participation
1-Year BlackRock ESG US 5% ER PTP Spread
Point to Point
Annual
2-Year BlackRock ESG US 5% ER PTP Participation Rate
Point to Point
Biennial
220% Participation
1-Year BlackRock ESG US 5% ER PTP Enhanced Participation Rate
Point to Point
Annual
210% Participation
1-Year S&P 500 Inverse Performace Triggered
Inverse Perf Triggered
Annual
9.25% Performance triggered
1-Year Fixed Account
Fixed
3.9% Fixed
2-Year Fidelity Multifactor Yield 5% ER PTP Enhanced Participation Rate
Point to Point
Biennial
320% Participation
2-Year S&P MARC 5% ER PTP Enhanced Participation Rate
Point to Point
Biennial
310% Participation
1-Year S&P MARC 5% ER PTP Enhanced Participation Rate
Point to Point
Annual
230% Participation
2-Year S&P MARC 5% ER PTP Participation Rate
Point to Point
Biennial
245% Participation
2-Year S&P 500 LV DRC 8% TR PTP Spread
Point to Point
Biennial
2.25% Spread
1-Year S&P 500 LV DRC 5% TR PTP Spread
Point to Point
Annual
2.25% Spread
1-Year S&P 500 PTP Cap
Point to Point
Annual
8% Cap
1-Year Fidelity Multifactor Yield 5% ER PTP Spread
Point to Point
Annual
1-Year S&P 500 PTP Monthly Sum Cap
Point to Point
Annual
Monthly sum
2.5% Cap
2-Year Fidelity Multifactor Yield 5% ER PTP Participation Rate
Point to Point
Biennial
255% Participation
1-Year S&P MARC 5% ER PTP Participation Rate
Point to Point
Annual
180% Participation
1-Year BlackRock ESG US 5% ER PTP Spread
Point to Point
Annual
2-Year BlackRock ESG US 5% ER PTP Participation Rate
Point to Point
Biennial
245% Participation
1-Year BlackRock ESG US 5% ER PTP Enhanced Participation Rate
Point to Point
Annual
230% Participation
1-Year S&P 500 Inverse Performance Triggered
Inverse Perf Triggered
Annual
10% Performance triggered
1-Year Fidelity Multifactor Yield 5% ER PTP Participation Rate
Point to Point
Annual
160% Participation
1-Year Fidelity Multifactor Yield 5% ER PTP Enhanced Participation Rate
Point to Point
Annual
215% Participation
1-Year Nasdaq-100 Volatility Control 12% PTP Participation Rate
Point to Point
Annual
65% Participation
2-Year Nasdaq-100 Volatility Control 12% PTP Participation Rate
Point to Point
Biennial
90% Participation
1-Year Nasdaq-100 Volatility Control 12% PTP Enhanced Participation Rate
Point to Point
Annual
85% Participation
1-Year S&P 500 PTP Participation Rate
Point to Point
Annual
40% Participation
2-Year S&P 500 PTP Participation Rate
Point to Point
Biennial
55% Participation
1-Year S&P 500 Dynamic Intraday TCA PTP Participation Rate
Point to Point
Annual
60% Participation
2-Year S&P 500 Dynamic Intraday TCA PTP Participation Rate
Point to Point
Biennial
80% Participation
1-Year S&P 500 Dynamic Intraday TCA PTP Enhanced Participation Rate
Point to Point
Annual
75% Participation
2-Year S&P 500 PTP Participation Rate
Point to Point
Biennial
60% Participation
1-Year Fidelity Multifactor Yield 5% ER PTP Participation Rate
Point to Point
Annual
180% Participation
1-Year Fidelity Multifactor Yield 5% ER PTP Enhanced Participation Rate
Point to Point
Annual
230% Participation
1-Year Nasdaq-100 Volatility Control 12% PTP Participation Rate
Point to Point
Annual
70% Participation
2-Year Nasdaq-100 Volatility Control 12% PTP Participation Rate
Point to Point
Biennial
100% Participation
1-Year Nasdaq-100 Volatility Control 12% PTP Enhanced Participation Rate
Point to Point
Annual
90% Participation
1-Year S&P 500 PTP Participation Rate
Point to Point
Annual
45% Participation
1-Year S&P 500 Dynamic Intraday TCA PTP Participation Rate
Point to Point
Annual
65% Participation
2-Year S&P 500 Dynamic Intraday TCA PTP Participation Rate
Point to Point
Biennial
90% Participation
1-Year S&P 500 Dynamic Intraday TCA PTP Enhanced Participation Rate
Point to Point
Annual
80% Participation

Surrender schedule

Year 1 2 3 4 5 6 7 8 9 10 11 12 13 14
Penalty 10% 10% 10% 10% 10% 9% 8% 7% 6% 5% 4% 3% 2% 1%