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Midland National Life


RetireVantage 14 OABR


A Fixed Indexed Annuity with a 14-year surrender period.
This product is not available in *** *** *** *** *** *** *** *** ***

Ratings
  A.M. Best :  A+   Fitch:  A+   Standard & Poor's:  A+  

Rates
  Current Rates
xx/xx/xxxx
Guaranteed
Minimum Values
 Band $20,000+  Cap Spread Part Rate Cap Spread Part Rate
1 Year S&P 500 Low VC Daily Risk Ctrl 5%   ***    ***   ***    ***   ***   *** 
1-Year Dow Jones Annual Daily Average Index Margin   ***    ***   ***    ***   ***   *** 
1-Year Dow Jones Annual Point-to-Point Cap Rate   ***    ***   ***    ***   ***   *** 
1-Year Dow Jones Monthly Average Participation Rate   ***    ***   ***    ***   ***   *** 
1-Year Inverse Performance Triggered S&P 500 Trigger: 7.90
 ***   ***    ***   ***   *** 
1-Year London Gold Market Fixing Price   ***    ***   ***    ***   ***   *** 
1-Year Nasdaq 100 Annual Point-to-Point Cap Rate   ***    ***   ***    ***   ***   *** 
1-Year Nasdaq 100 Monthly Point-to-Point Cap Rate   ***    ***   ***    ***   ***   *** 
1-Year S&P 400 Annual Daily Average Index Margin   ***    ***   ***    ***   ***   *** 
1-Year S&P 400 Annual Point-to-Point Cap Rate   ***    ***   ***    ***   ***   *** 
1-Year S&P 400 Monthly Average Participation Rate   ***    ***   ***    ***   ***   *** 
1-Year S&P 500 Annual Daily Average Index Margin   ***    ***   ***    ***   ***   *** 
1-Year S&P 500 Annual Point-to-Point Cap Rate   ***    ***   ***    ***   ***   *** 
1-Year S&P 500 Monthly Average Participation Rate   ***    ***   ***    ***   ***   *** 
1-Year S&P 500 Monthly Point-to-Point Cap Rate   ***    ***   ***    ***   ***   *** 
2-Year S&P 500 Low VC Daily Risk Ctrl 8%   ***    ***   ***    ***   ***   *** 
1-Year Fixed Account   (Rate guaranteed for 1 Year) *.** % *.** %
 Band $250,000+  Cap Spread Part Rate Cap Spread Part Rate
1 Year S&P 500 Low VC Daily Risk Ctrl 5%   ***    ***   ***    ***   ***   *** 
1-Year Dow Jones Annual Daily Average Index Margin   ***    ***   ***    ***   ***   *** 
1-Year Dow Jones Annual Point-to-Point Cap Rate   ***    ***   ***    ***   ***   *** 
1-Year Dow Jones Monthly Average Participation Rate   ***    ***   ***    ***   ***   *** 
1-Year Inverse Performance Triggered S&P 500 Trigger: 8.25
 ***   ***    ***   ***   *** 
1-Year London Gold Market Fixing Price   ***    ***   ***    ***   ***   *** 
1-Year Nasdaq 100 Annual Point-to-Point Cap Rate   ***    ***   ***    ***   ***   *** 
1-Year Nasdaq 100 Monthly Point-to-Point Cap Rate   ***    ***   ***    ***   ***   *** 
1-Year S&P 400 Annual Daily Average Index Margin   ***    ***   ***    ***   ***   *** 
1-Year S&P 400 Annual Point-to-Point Cap Rate   ***    ***   ***    ***   ***   *** 
1-Year S&P 400 Monthly Average Participation Rate   ***    ***   ***    ***   ***   *** 
1-Year S&P 500 Annual Daily Average Index Margin   ***    ***   ***    ***   ***   *** 
1-Year S&P 500 Annual Point-to-Point Cap Rate   ***    ***   ***    ***   ***   *** 
1-Year S&P 500 Monthly Average Participation Rate   ***    ***   ***    ***   ***   *** 
1-Year S&P 500 Monthly Point-to-Point Cap Rate   ***    ***   ***    ***   ***   *** 
2-Year S&P 500 Low VC Daily Risk Ctrl 8%   ***    ***   ***    ***   ***   *** 
1-Year Fixed Account   (Rate guaranteed for 1 Year) *.** % *.** %

State Specified Minimum Interest Rate: ****
Premium Bonus
 Year: 1 2 3 4 5
Bonus Rate: **** **** **** **** ****

Policy Notes

The @annuityname@ is a flexible premium deferred fixed annuity from @companyname@ --[ subscription required to view full text ]--
*** @***********@ ** * ******** ******* ******** ***** ******* **** @***********@ **** ****** * @************@% ******* ***** ** *** ******** ******** ** *** ***** @*****************@ ***** (******* ** * ******* ***** ********* *********) **** ** ****** ** ***** ** ********** ******* ***** **** ******** ********** ********. *** @***********@ **** *** * @*******@-**** ********* ****** ****** **** * ******** ********** *********. ** **** *********** ******** ** *** ********* ****: *) ***** ** *** ****** ** *** ***** ******* ****** **** ******** ****, ******* *** **** ** ****** ******* *** ** ****** **********, ***/** *) * *********** ***** *******.

******** ********** ******* ***** *******


********** ******* *****: ******* ***** ********* **** *% ** **%

********** ****** *******: *% ** ************ ***** ** ****** ***** *** ********* ****** ******.

******** *******-**** ***********: **% ** ************ ***** ***** *** ***** ****, *** ********* ** *** ***** ****, *******-**** *********** ******** ** **% (*******) *** ***** ******** ***** **** ** *********** *** ***** ** *** ******** ****.

****** ** *******: ********* ** *** ***** ******** *****, **** ******* *****, *********** *** *** ***** ***** (********* *** ********** ******* ***** ****). *** **********, *** ****** ** ******* ** ********* ** *** **** ****** *** **** ** *** ********, **** *** ******** ** *** ********** ******* *****.

***** **** ** *.**% ** ************ ***** ** **** ******** *********** ****** *** ********* ****** ******.

Provisions
Free Look Period: ****
(Free look period may vary by state)
Rate Lock Protection: ****
Bail Out Provision Available: ***
*** *** ***: ****
Loan Provision Available: ***
*** *** ***: ****
Tax Sheltered: ***
Market Value Adjustment: ***
MRD: ***
Front-End Fee: ***
Annual Maintenance Fee: ***
Return of Premium Available: ***
Death Benefit is: *** ****
Premiums
  Non-Qual Qualified
Min Single Premium: **** *******
Max Single Premium:
Age < xx: **** *******
Age > xx: **** *******
Payroll Deduction: **** ****
Min Added Premium: **** ****
Flexible Premiums ******* : ****  
Min Single Premium Impaired: ****** ******
Min Single Premium Period Certain: ****** ******
 
Age Restrictions
  Min Age Non-Qual Qualified
Owner:   ***** *****
Annuitant: ***** ***** *****
Impaired:   ***** *****
Annuitization Age:   ***** *****

***** ***** ***** ****** *** **** * ***** ****** *** ****** ***** ** ******** *** ***** ***** ***** ****** *** **** * ***** ***** ***** ***** ****** *** **** * *****


Systematic Withdrawals


Systematic withdrawals are ***** ** *** ****** ****
*****************: **** ****** **** *****

**** *** ***** ** $****.**
*** *** ****** *** $****.**
**** ***** ******* ***** ******* * ****** ***** ****

State Specific Notes

Two Year Point-to-Po --[ subscription required to view full text ]--
*** **** *****-**-***** ********* ****** **** ***** ****** ** *** ********* ** **** ****: **, **

MVA Explanation

The @annuityname@ inc --[ subscription required to view full text ]--
*** @***********@ ******** ** ******** **********, **** ** ******* **** ****** *** ********* ****** ****** ** **** ********** *** ** *** ******* ********* ** ****** ** *** ********** *******-**** ******* ********* ******. **** ********** *** ******** ** ******** *** ********* ***** ********* ** *** ****** ** ******** ***** ****** *** ****** ***** *** ********* **** @************@ *******. ****: *** ********** ** *** ******.

Commissions
Effective date of commission schedule: 06/12/2018
Commissions are ******* ** ***** *** ** ******* **** ***** ******* **** ***** ****** **** **** ** ******* *****.
RetireVantage 14 OABR
Up to age 75 Year 1 Year 2 Year 3 Year 4 Year 5
Initial Premium: **** **** **** **** ****
Accumulation Value: **** **** **** **** ****
Up to age 75 Year 1 Year 2 Year 3 Year 4 Year 5
Initial Premium: **** **** **** **** ****
Trail: Trail years ***+ is *****

Option B

RetireVantage 14 OABR
All permitted ages Year 1 Year 2 Year 3 Year 4 Year 5
Initial Premium: **** **** **** **** ****
Accumulation Value: **** **** **** **** ****
Trail: Trail years ***+ is *****

Option C

RetireVantage 14 OABR
All permitted ages Year 1 Year 2 Year 3 Year 4 Year 5
Initial Premium: **** **** **** **** ****
Accumulation Value: **** **** **** **** ****
Trail: Trail years ***+ is *****

Option D

RetireVantage 14 OABR
(All approved states)
Up to age 75 Year 1 Year 2 Year 3 Year 4 Year 5
Initial Premium: **** **** **** **** ****
Trail: Trail years ***+ is *****

Related Information

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Index Builder 10
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Prosper 10
Prosper 5
Prosper 7
RetireVantage 10
RetireVantage 10 OABR
RetireVantage 14
Savers Income 7
Summit Edge 10 Fixed Indexed Annuity
Summit Edge 5 Fixed Indexed Annuity
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SPIA
Direct Income

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