MNL RetireVantage 14 with ABR Rate & Reviews

MNL RetireVantage 14 with ABR

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
Choose an optional additional benefit rider (for a cost) that provides an additional premium bonus, enhanced penalty-free withdrawals, additional payout benefit and return of premium

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	4.2% 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	270% Participation
1-Year S&P MARC 5% ER PTP Enhanced Participation Rate	Point to Point Annual	190% 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	210% Participation
1-Year S&P 500 PTP Monthly Sum Cap	Point to Point Annual Monthly sum	2.8% Cap
1-Year S&P 500 PTP Cap	Point to Point Annual	9.75% Cap
1-Year S&P 500 LV DRC 5% TR PTP Spread	Point to Point Annual	0.8% Spread
2-Year S&P 500 LV DRC 8% TR PTP Spread	Point to Point Biennial	1.6% Spread
1-Year S&P MARC 5% ER PTP Participation Rate	Point to Point Annual	150% Participation
1-Year BlackRock ESG US 5% TR PTP Spread	Point to Point Annual
2-Year BlackRock ESG US 5% ER PTP Participation Rate	Point to Point Biennial	210% Participation
1-Year BlackRock ESG US 5% ER PTP Enhanced Participation Rate	Point to Point Annual	190% Participation
1-Year S&P 500 Inverse Performace Triggered	Inverse Perf Triggered Annual	9.25% Performance triggered
1-Year Fixed Account	Fixed	4.5% 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	300% Participation
1-Year S&P MARC 5% ER PTP Enhanced Participation Rate	Point to Point Annual	210% Participation
2-Year S&P MARC 5% ER PTP Participation Rate	Point to Point Biennial	235% Participation
2-Year S&P 500 LV DRC 8% TR PTP Spread	Point to Point Biennial	0.75% Spread
1-Year S&P 500 LV DRC 5% TR PTP Spread	Point to Point Annual
1-Year S&P 500 PTP Cap	Point to Point Annual	10.75% 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	3.1% 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	175% Participation
1-Year BlackRock ESG US 5% TR PTP Spread	Point to Point Annual
2-Year BlackRock ESG US 5% ER PTP Participation Rate	Point to Point Biennial	235% Participation
1-Year BlackRock ESG US 5% ER PTP Enhanced Participation Rate	Point to Point Annual	210% Participation
1-Year S&P 500 Inverse Performance Triggered	Inverse Perf Triggered Annual	10% Performance triggered

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%

Riders

Name	Inbuilt	Fee
RetireVantage Additional Benefit Rider 14	Yes	0.90% annually (0.00% after 14 years)
RetireVantage Additional Benefit Rider 14 (CA)	Yes	0.80% annually