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Best Guaranteed Annuity Rates
2-Year
5.55%
3-Year
6.25%
5-Year
6.50%
7-Year
5.85%
10-Year
5.80%

MNL IndexBuilder 10 Low Band (OR Only) with ABR

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Highlights

The MNL IndexBuilder 10 is a flexible premium, fixed index annuity that offers you growth potential for your retirement assets but also protection from losses due to downside market fluctuations 
Available in states: OR
Type
Fixed Index
Purpose Accumulation
Premium Bonus
17%
Term
10 Years
Surrender schedule
9%8.5%7.5%6.5%5.5%4.5%3.5%3%2%1%
Free withdrawal
10%
Flexible premium Product Life
Market value adjustment
Return of premium
Launch date
09/01/2015
Minimum contribution
$20,000
Maximum contribution
$74,999
Max Age Qualified
79
Types of funds
Non-Qualified, 401k, IRA, Spousal IRA, IRA Rollover, 401a, IRA Transfer, TSA 403b, SEP IRA, IRA-Roth, and TSP
Brochure
Open brochure

Find out if the MNL IndexBuilder 10 Low Band (OR Only) with ABR is the right product for you.

Premium Notes

Note: if eligible you may roll over TSP to us to be administered as a qualified tax status that we offer.

Withdrawal Provisions

Market Value Adjustment
Your Contract also includes a market value adjustment feature—which may decrease or increase your surrender value depending on the change in the index value of the market value adjustment external index since your annuity purchase. Due to the mechanics of a market value adjustment, surrender values generally decrease as the market value adjustment external index rises or remains constant. When the market value adjustment external index decreases enough over time, the surrender value generally increases. However, the market value adjustment is limited to the interest credited to the accumulation value.

Penalty-free withdrawals
Beginning second contract year, up to 10% of the accumulation value may be taken each year.
 
By current company practice, surrender charges, premium bonus recapture, and MVA will be waived on any portion of an IRS-required minimum distribution that goes beyond what’s available to you penalty-free.

Allocation Accounts

Name Type Rates
1-Year Fixed Account
Fixed
2.4% Fixed
1-Year S&P MARC 5% ER PTP Enhanced Participation Rate
Point to Point
Annual
150% 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
155% Participation
1-Year S&P 500 LV DRC 5% TR PTP Spread
Point to Point
Annual
5.75% Spread
1-Year S&P MARC 5% ER PTP Participation Rate
Point to Point
Annual
105% Participation
2-Year S&P MARC 5% ER PTP Participation Rate
Point to Point
Biennial
145% Participation
1-Year S&P 500 PTP Monthly Sum Cap
Point to Point
Annual
Monthly sum
1.7% Cap
1-Year S&P 500 PTP Cap
Point to Point
Annual
5.75% Cap
2-Year BlackRock ESG US 5% ER PTP Enhanced Participation Rate
Point to Point
Biennial
210% Participation
1-Year BlackRock ESG US 5% ER PTP Enhanced Participation Rate
Point to Point
Annual
150% Participation
2-Year Fidelity Multifactor Yield 5% ER PTP Enhanced Participation Rate
Point to Point
Biennial
230% Participation
1-Year Fidelity Multifactor Yield 5% ER PTP Enhanced Participation Rate
Point to Point
Annual
150% Participation
2-Year S&P MARC 5% ER PTP Enhanced Participation Rate
Point to Point
Biennial
200% 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
155% Participation
2-Year S&P 500 LV DRC 8% PTP Participation Rate
Point to Point
Biennial
40% Participation
1-Year S&P 500 Inverse Performance Triggered
Inverse Perf Triggered
Annual
7.5% Performance triggered

Surrender schedule

Year 1 2 3 4 5 6 7 8 9 10
Penalty 9% 9% 8% 7% 6% 5% 4% 3% 2% 1%

Riders

Name Inbuilt Fee
IndexBuilder Additional Benefit Rider Yes 0.95% annually (0.00% after 10 years)

Waivers

Nursing Home

After the first contract anniversary, if you are confined to a qualified nursing care center as defined in the rider (skilled nursing facility or residential care facility for the elderly in CA), you may withdraw up to 100% of your accumulation value without a surrender charge, MVA, or premium bonus recapture as long as you meet the eligibility requirements for this rider. If you withdraw 100% of your accumulation value, your contract and any applicable riders will terminate. This rider is automatically included with your annuity at no additional charge. Refer to the rider for additional details, including benefit terms, conditions, and limitations.

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