How your annuity can grow MNL Accelerate 5 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. Choose your allocation options You have total control over how your initial premium is allocated between our fixed account or index accounts. Choose from several Annual Point-to-Point crediting methods (more details on the following pages). Each index and the index account option on the next page may perform differently in various market scenarios. Unlock greater upside potential with enhanced crediting methods In exchange for a charge, you can unlock a higher participation rate. The charge is deducted from your accumulation value and is guaranteed to stay the same for the life of the contract. The charge is deducted once each term as a partial surrender from the Index Account value at the earliest of: • Any partial greater than the penalty-free allowance during the year • Full surrender • End of the term
Know the lingo Accumulation value
Stick to the terms of your annuity contract, and the accumulation value is the number you’re going to get to work from at the end. It’s equal to the sum of 100% of premium, any fixed and index account interest you are credited minus any withdrawals taken. Interest credits When you choose one or more index accounts, the actual amount of interest credited to you is determined by a formula. The amount added to your contract is called its credited interest.
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