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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%

MNL RetireVantage 10 with ABR

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.

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MNL RetireVantage
The MNL RetireVantage 10 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, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY

Allocation Accounts

Name Type Rates
1-Year Fixed Account
Fixed
3.5% Fixed
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
225% Participation
1-Year S&P MARC 5% ER PTP Participation Rate
Point to Point
Annual
150% Participation
2-Year S&P 500 LV DRC 8% TR PTP Spread
Point to Point
Biennial
3.5% Spread
1-Year S&P 500 LV DRC 5% TR PTP Spread
Point to Point
Annual
3.25% Spread
1-Year S&P 500 PTP Cap
Point to Point
Annual
6.75% Cap
1-Year S&P 500 PTP Monthly Sum Cap
Point to Point
Annual
Monthly sum
2.15% Cap
2-Year S&P MARC 5% ER PTP Participation Rate
Point to Point
Biennial
215% Participation
1-Year S&P MARC 5% ER PTP Enhanced Participation Rate
Point to Point
Annual
205% Participation
2-Year S&P MARC 5% ER PTP Enhanced Participation Rate
Point to Point
Biennial
270% Participation
2-Year Fidelity Multifactor Yield 5% ER PTP Enhanced Participation Rate
Point to Point
Biennial
280% 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
215% Participation
1-Year BlackRock ESG US 5% ER PTP Enhanced Participation Rate
Point to Point
Annual
205% Participation
1-Year S&P 500 Inverse Performance Triggered
Inverse Perf Triggered
Annual
9% Performance triggered
1-Year Fixed Account
Fixed
3.8% Fixed
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
250% Participation
1-Year S&P MARC 5% ER PTP Participation Rate
Point to Point
Annual
175% Participation
1-Year S&P 500 PTP Monthly Sum Cap
Point to Point
Annual
Monthly sum
2.4% Cap
1-Year S&P 500 PTP Cap
Point to Point
Annual
7.75% Cap
1-Year S&P 500 LV DRC 5% TR PTP Spread
Point to Point
Annual
2.5% Spread
2-Year S&P 500 LV DRC 8% TR PTP Spread
Point to Point
Biennial
2.75% Spread
2-Year S&P MARC 5% ER PTP Participation Rate
Point to Point
Biennial
240% Participation
1-Year S&P MARC 5% ER PTP Enhanced Participation Rate
Point to Point
Annual
220% Participation
2-Year S&P MARC 5% ER PTP Enhanced Participation Rate
Point to Point
Biennial
300% Participation
2-Year Fidelity Multifactor Yield 5% ER PTP Enhanced Participation Rate
Point to Point
Biennial
310% 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
240% Participation
1-Year BlackRock ESG US 5% ER PTP Enhanced Participation Rate
Point to Point
Annual
220% 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
Penalty 10% 10% 9% 9% 8% 8% 7% 6% 4% 2%

Riders

Name Inbuilt Fee
RetireVantage Additional Benefit Rider 10 Yes 0.90% annually (0.00% after 10 years)
RetireVantage Additional Benefit Rider 10 (CA, DE) Yes 0.80% annually (0.00% after 10 years)