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MNL RetireVantage 14

The MNL RetireVantage 14 is a brilliant choice for those wanting financial security in retirement. It ensures a steady stream of income for the golden years, taking the stress away from your financial future.

Its standout features, like flexibility and guaranteed growth potential, make it ideal for retirement planning. It truly feels like peace of mind made simple.

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MNL RetireVantage 14

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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

Term

14 Years

Surrender schedule

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

Fee withdrawal:

10%

Flexible premium

Product Life

Market Value Adjustment

Yes

Return Of Premium

Minimum Contribution

$20,000

Maximum Contribution

$1,000,000

Max Age Qualified

Types Of Funds

Non-Qualified, 401k, IRA, Spousal IRA, IRA Rollover, 401a, IRA Transfer, TSA 403b, SEP IRA, IRA-Roth, NQ Stretch, and TSP

Launch Date

11/01/2011

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	3.05% Fixed
1-Year S&P MARC 5% ER PTP Enhanced Participation Rate	Point to Point Annual	180% Participation
2-Year Fidelity Multifactor Yield 5% ER PTP Participation Rate	Point to Point Biennial	200% Participation
2-Year S&P MARC 5% ER PTP Participation Rate	Point to Point Biennial	195% Participation
1-Year S&P 500 PTP Monthly Sum Cap	Point to Point Annual Monthly sum	1.8% Cap
1-Year S&P 500 PTP Cap	Point to Point Annual	8.25% Cap
1-Year S&P MARC 5% ER PTP Participation Rate	Point to Point Annual	130% Participation
1-Year S&P 500 Inverse Performace Triggered	Inverse Perf Triggered Annual	7.25% Performance triggered
1-Year Fixed Account	Fixed	3.35% Fixed
1-Year S&P MARC 5% ER PTP Enhanced Participation Rate	Point to Point Annual	200% Participation
2-Year S&P MARC 5% ER PTP Participation Rate	Point to Point Biennial	220% Participation
1-Year S&P 500 PTP Cap	Point to Point Annual	9.25% Cap
1-Year S&P 500 PTP Monthly Sum Cap	Point to Point Annual Monthly sum	2.1% Cap
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	155% Participation
1-Year S&P 500 Inverse Performance Triggered	Inverse Perf Triggered Annual	8% Performance triggered
1-Year Fidelity Multifactor Yield 5% ER PTP Participation Rate	Point to Point Annual	135% Participation
1-Year Fidelity Multifactor Yield 5% ER PTP Enhanced Participation Rate	Point to Point Annual	185% Participation
1-Year Nasdaq-100 Volatility Control 12% PTP Participation Rate	Point to Point Annual	55% Participation
2-Year Nasdaq-100 Volatility Control 12% PTP Participation Rate	Point to Point Biennial	80% Participation
1-Year Nasdaq-100 Volatility Control 12% PTP Enhanced Participation Rate	Point to Point Annual	75% Participation
1-Year S&P 500 PTP Participation Rate	Point to Point Annual	35% Participation
2-Year S&P 500 PTP Participation Rate	Point to Point Biennial	45% Participation
1-Year S&P 500 Dynamic Intraday TCA PTP Participation Rate	Point to Point Annual	45% Participation
2-Year S&P 500 Dynamic Intraday TCA PTP Participation Rate	Point to Point Biennial	70% Participation
1-Year S&P 500 Dynamic Intraday TCA PTP Enhanced Participation Rate	Point to Point Annual	65% Participation
2-Year S&P 500 PTP Participation Rate	Point to Point Biennial	50% Participation
1-Year Fidelity Multifactor Yield 5% ER PTP Participation Rate	Point to Point Annual	155% Participation
1-Year Fidelity Multifactor Yield 5% ER PTP Enhanced Participation Rate	Point to Point Annual	200% Participation
1-Year Nasdaq-100 Volatility Control 12% PTP Participation Rate	Point to Point Annual	60% 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	80% Participation
1-Year S&P 500 PTP Participation Rate	Point to Point Annual	40% Participation
1-Year S&P 500 Dynamic Intraday TCA PTP Participation Rate	Point to Point Annual	50% 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	70% 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%

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Investment Amount $

Riders

No Riders for MNL RetireVantage 14 annuity.

Waivers

Nursing Home

Unavailable in states: CA, and MA

After the first contract anniversary, should the annuitant become confined to a qualified nursing home facility for at least 90 consecutive days, we will increase the penalty-free withdrawal by 10% of the Accumulation Value each year while the annuitant is confined. This waiver is only available for issue ages 75 and younger and is automatically included with your annuity at no additional charge. If joint annuitants are named on the annuity, waiver will apply to the first annuitant who qualifies for the benefit. The nursing home waiver does not include home health care.

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

Penalty-free withdrawals
MNL RetireVantage allows you to access a portion of funds each year without incurring a surrender charge and Market Value Adjustment (MVA). Starting in the first contract year, you may choose to take a penalty-free withdrawal of up to 10% of the accumulation value annually. Withdrawals may be treated by the government as ordinary income. If taken before age 59 1/2, you may be subject to additional IRS penalties for early withdrawal.

Market Value Adjustment (MVA)
Your contract also includes a market value adjustment feature – which may decrease or increase your surrender value depending on the change in the market value adjustment external index rate since your annuity purchase. Market value adjustments are applied only during the surrender charge period to surrenders in excess of the penalty-free amount.