How your annuity can grow
MNL RetireVantage has a strategy and index account option to suit your style: • Whether you like to take charge of your financial choices or prefer to set it and forget • Whether you’re interested in a fixed return, hoping for more growth potential or a combination
In addition to the fixed account, here are available crediting methods. Diversify premium among the following index account options:
Crediting method options*
Index availability*
Annual Point-to-Point with Index Cap Rate
• S&P 500®
• S&P MARC 5% ER • Fidelity Multifactor Yield Index SM 5% ER • Nasdaq-100 Volatility Control 12% TM Index • S&P 500® Dynamic Intraday TCA Index • S&P 500® • S&P MARC 5% ER • Fidelity Multifactor Yield Index SM 5% ER • Nasdaq-100 Volatility Control 12% TM Index • S&P 500® Dynamic Intraday TCA Index
Annual Point-to-Point with Participation Rate
Annual Point-to-Point with Enhanced Participation (subject to charge)
Monthly Point-to-Point with Index Cap Rate
• S&P 500®
• S&P MARC 5% ER • Fidelity Multifactor Yield Index SM 5% ER • Nasdaq-100 Volatility Control 12% TM Index • S&P 500® Dynamic Intraday TCA Index • S&P 500®
Two-year Point-to-Point with Participation Rate
Annual Inverse Performance Trigger (declared performance rate)
• S&P 500®
In your contract the applicable period of time for your crediting method is referred to as a “term”. * Index(es) and strategies may not be available in all states. Each crediting method and the index account options perform differently in various market scenarios. Your financial professional may explain how the different interest crediting methods work to help you determine which strategy or combination of strategies could be the best fit for your objectives. Fixed account Premium allocated to the fixed account will be credited interest at a declared fixed account interest rate. The declared fixed rate is an annual effective rate. Interest is credited to the fixed account daily. The initial premium interest rate is guaranteed for the first contract year. For each subsequent contract year, we will declare, at our discretion, a fixed account interest rate that will apply to the amount allocated to the fixed account as of the beginning of that contract year. A declared fixed account Interest rate will never fall below the minimum guaranteed fixed account interest rate.
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