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Midland National Life

Guarantee Ultimate 5

(RETIRED)

A MYGA with a 5-year fixed rate and a 5-year surrender period.
This product is not available in *** *** *** *** *** *** *** *** ***

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

Rates
The interest rate is guaranteed for 5 years Surrender charges last 5 years	Last Rate Change: xx/xx/xxxx Next Rate Change: xx/xx/xxxx

	Previous Rates xx/xx/xxxx			Current Rates xx/xx/xxxx
	Rate	Bonus	Yield to Surrender	Rate	Bonus	Yield to Surrender
Band 2,000+	****	*****	*****	****	*****	*****
Band 100,000+	****	*****	*****	****	*****	*****

State Specified Minimum Interest Rate: ****

Premium Bonus
- none -

Policy Notes

The @companyName@'s @annuityname@ is a Single Premium, Multi Yea --[ subscription required to view full text ]--
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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:		*****	*****
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Systematic Withdrawals

Systematic withdrawals are ***** ** *** ****** ****
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MVA Explanation

The market value adjustment (MVA), is --[ subscription required to view full text ]--
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Commissions
Effective date of commission schedule: 03/30/2021
Commissions are ***** *** * *** * *** * ** ***** ***.

Option A

Guarantee Ultimate 5

Up to age 80

Initial Premium:

****

Ages 81-85

Initial Premium:

****

Ages 86+

Initial Premium:

****

Option D

Guarantee Ultimate 5

Up to age 90

Initial Premium:

****

Trail:

Trail years ***+ is *****

Unless otherwise identified, commissions will only be applied to collected premiums. Renewal; commissions will be paid on new premiums (premium less withdrawals) and will only be paid upon receipt of additional premium. Commission will be paid when a minimum of $50.00 for EFT is accumulated. Agents must --[ subscription required to view full text ]--
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*********** - ********
For full surrenders or partial withdrawals after a renewal of a Multi-Year Guaranteed Annuity (only those plans with a guarantee period of 5 years or longer) re-entry commissions will chargeback at 100% form the date of re-entry through the end of the first 6 months, and chargeback at 50% from the start of the 7th month after the re-entry date through the first contract anniversary date after re-entry. There is no commission chargeback in the event of death or RMD>

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