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MNL IndexBuilder 14 Low Band with ABR

The MNL IndexBuilder 14 Low Band with ABR offers a reassuringly safe route to secure your golden years. With low-risk indexing, your money won't just sit; it will grow steadily over time.

Additional benefits riders provide a safety cushion, ensuring your planned income stream remains uninterrupted. A worry-free, secure investment for your retirement goals!

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MNL IndexBuilder 14 Low Band with ABR

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Ratings:

A.M. Best A+
Fitch A+
S&P A+
Comdex 89

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About Product

Type

Fixed Index

Purpose

Accumulation

Premium Bonus

17%

Term

14 Years

Surrender schedule

12%12%11%11%10%9%8%7%6%5%4%3%2%1%

Fee withdrawal:

10%

Flexible premium

Product Life

Market Value Adjustment

Yes

Return Of Premium

Yes

Minimum Contribution

$20,000

Maximum Contribution

$74,999

Max Age Qualified

Types Of Funds

Non-Qualified, 401k, IRA, Spousal IRA, IRA Rollover, 401a, IRA Transfer, SEP IRA, IRA-Roth, and TSP

Launch Date

09/01/2015

The MNL IndexBuilder 14 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: AL, AZ, AR, CA, CO, DC, FL, GA, IL, IA, KS, KY, LA, ME, MA, MI, MS, NE, NH, NM, NC, ND, RI, SD, TN, VT, WV, WI, and WY

Allocation Accounts

Name	Type	Rates
1-Year Fixed Account	Fixed	2.6% Fixed
1-Year S&P 500 PTP Cap	Point to Point Annual	6.25% Cap
1-Year S&P 500 PTP Monthly Sum Cap	Point to Point Annual Monthly sum	1.5% Cap
2-Year Fidelity Multifactor Yield 5% ER PTP Participation Rate	Point to Point Biennial	125% Participation
2-Year S&P MARC 5% ER PTP Participation Rate	Point to Point Biennial	120% Participation
1-Year S&P MARC 5% ER PTP Participation Rate	Point to Point Annual	80% Participation
1-Year S&P MARC 5% ER PTP Enhanced Participation Rate	Point to Point Annual	125% Participation
1-Year Fidelity Multifactor Yield 5% ER PTP Enhanced Participation Rate	Point to Point Annual	125% Participation
1-Year S&P 500 Inverse Performance Triggered	Inverse Perf Triggered Annual	5.5% Performance triggered
1-Year S&P 500 PTP Participation Rate	Point to Point Annual	25% Participation
1-Year Nasdaq-100 Volatility Control 12% PTP Enhanced Participation Rate	Point to Point Annual	55% Participation
1-Year S&P 500 Dynamic Intraday TCA PTP Enhanced Participation Rate	Point to Point Annual	45% Participation
2-Year Nasdaq-100 Volatility Control 12% PTP Participation Rate	Point to Point Biennial	55% Participation
2-Year S&P 500 Dynamic Intraday TCA PTP Participation Rate	Point to Point Biennial	45% Participation
2-Year S&P 500 PTP Participation Rate	Point to Point Biennial	35% Participation
1-Year Fidelity Multifactor Yield 5% ER PTP Participation Rate	Point to Point Annual	85% Participation
1-Year Nasdaq-100 Volatility Control 12% PTP Participation Rate	Point to Point Annual	40% Participation
1-Year S&P 500 Dynamic Intraday TCA PTP Participation Rate	Point to Point Annual	35% Participation

Surrender schedule

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

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Investment Amount $

Riders

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

Waivers

Nursing Home

Unavailable in states: CA, and MA

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.

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