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Midland National Life

Index Builder 10 State Variations

A Fixed Indexed Annuity with a 10-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
2 Year BlackRock ESG US 5% ER Participation	***	***	***	***	***	***
2 Year S&P 500 Low Volatility Daily Risk Control 8% Participation	***	***	***	***	***	***
1 Year BlackRock ESG 5% ER Enhanced Participation	***	***	***	***	***	***
1 Year BlackRock ESG US 5% ER Index Margin	***	***	***	***	***	***
1 Year Fidelity Multifactor Yield 5% ER Enhanced Participation	***	***	***	***	***	***
1 Year Fidelity Multifactor Yield Index 5% ER Index Margin (no cap)	***	***	***	***	***	***
1 Year S&P 500 Annual Inverse Performance Trigger	Trigger: 6.50			***	***	***	***	***
1 Year S&P 500 Annual Point-to-Point Index Cap Rate	***	***	***	***	***	***
1 Year S&P 500 Low Volatility Daily Risk Control 5%	***	***	***	***	***	***
1 Year S&P 500 Monthly Point-to-Point Index Cap Rate	***	***	***	***	***	***
1 Year S&P MARC 5% ER Annual Point to Point Patcicpation Rate	***	***	***	***	***	***
1 Year S&P MARC 5% ER Enhanced Participation	***	***	***	***	***	***
2 Year BlackRock ESG 5% ER Enhanced Participation	***	***	***	***	***	***
2 Year Fidelity Multifactor Yield 5% ER Enhanced Participation	***	***	***	***	***	***
2 Year Fidelity Multifactor Yield Index 5% ER Point to Point (No Cap)	***	***	***	***	***	***
2 Year S&P MARC 5% ER Enhanced Participation	***	***	***	***	***	***
2 Year S&P MARC 5% ER Point to Point Participation Rate	***	***	***	***	***	***
1 Year Fixed Account (Rate guaranteed for 1 Year)	.* %			.* %
Band $75,000+	Cap	Spread	Part Rate	Cap	Spread	Part Rate
2 Year BlackRock ESG US 5% ER Participation	***	***	***	***	***	***
2 Year S&P 500 Low Volatility Daily Risk Control 8% Participation	***	***	***	***	***	***
1 Year BlackRock ESG 5% ER Enhanced Participation	***	***	***	***	***	***
1 Year BlackRock ESG US 5% ER Index Margin	***	***	***	***	***	***
1 Year Fidelity Multifactor Yield 5% ER Enhanced Participation	***	***	***	***	***	***
1 Year Fidelity Multifactor Yield Index 5% ER Index Margin (no cap)	***	***	***	***	***	***
1 Year S&P 500 Annual Inverse Performance Trigger	Trigger: 6.50			***	***	***	***	***
1 Year S&P 500 Annual Point-to-Point Index Cap Rate	***	***	***	***	***	***
1 Year S&P 500 Low Volatility Daily Risk Control 5%	***	***	***	***	***	***
1 Year S&P 500 Monthly Point-to-Point Index Cap Rate	***	***	***	***	***	***
1 Year S&P MARC 5% ER Annual Point to Point Patcicpation Rate	***	***	***	***	***	***
1 Year S&P MARC 5% ER Enhanced Participation	***	***	***	***	***	***
2 Year BlackRock ESG 5% ER Enhanced Participation	***	***	***	***	***	***
2 Year Fidelity Multifactor Yield 5% ER Enhanced Participation	***	***	***	***	***	***
2 Year Fidelity Multifactor Yield Index 5% ER Point to Point (No Cap)	***	***	***	***	***	***
2 Year S&P MARC 5% ER Enhanced Participation	***	***	***	***	***	***
2 Year S&P MARC 5% ER Point to Point Participation Rate	***	***	***	***	***	***
1 Year Fixed Account (Rate guaranteed for 1 Year)	.* %			.* %

State Specified Minimum Interest Rate: ****

Policy Notes

The @annuityname@ is --[ 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 ***** ** *** ****** ****
*****************: **** ****** **** *****

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

MVA Explanation

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

****: *** ********** ** *** ******. ****** ** *****.

Commissions
Effective date of commission schedule: 04/12/2022
Commissions are ***** *** * *** * *** * ** ***** ***.

Option A

Index Builder 10 State Variations

Up to age 75

Year 1

Year 2

Year 3

Year 4

Year 5

Year 6

Year 7

Year 8

Year 9

Year 10

Year 11

Initial Premium:

****

Renewal Premiums:

****

Ages 76-79

Year 1

Year 2

Year 3

Year 4

Year 5

Year 6

Year 7

Year 8

Year 9

Year 10

Year 11

Initial Premium:

****

Renewal Premiums:

****

Ages 80+

Year 1

Year 2

Year 3

Year 4

Year 5

Year 6

Year 7

Year 8

Year 9

Year 10

Year 11

Initial Premium:

****

Renewal Premiums:

****

Option B

Index Builder 10 State Variations

Up to age 75

Year 1

Year 2

Year 3

Year 4

Year 5

Year 6

Year 7

Year 8

Year 9

Year 10

Year 11

Initial Premium:

****

Renewal Premiums:

****

Trail:

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

Ages 76-79

Year 1

Year 2

Year 3

Year 4

Year 5

Year 6

Year 7

Year 8

Year 9

Year 10

Year 11

Initial Premium:

****

Renewal Premiums:

****

Trail:

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

Ages 80+

Year 1

Year 2

Year 3

Year 4

Year 5

Year 6

Year 7

Year 8

Year 9

Year 10

Year 11

Initial Premium:

****

Renewal Premiums:

****

Trail:

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

Option C

Index Builder 10 State Variations

Up to age 75

Year 1

Year 2

Year 3

Year 4

Year 5

Year 6

Year 7

Year 8

Year 9

Year 10

Year 11

Initial Premium:

****

Renewal Premiums:

****

Trail:

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

Ages 76-79

Year 1

Year 2

Year 3

Year 4

Year 5

Year 6

Year 7

Year 8

Year 9

Year 10

Year 11

Initial Premium:

****

Renewal Premiums:

****

Trail:

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

Ages 80+

Year 1

Year 2

Year 3

Year 4

Year 5

Year 6

Year 7

Year 8

Year 9

Year 10

Year 11

Initial Premium:

****

Renewal Premiums:

****

Trail:

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

Option D

Index Builder 10 State Variations

(All approved states)

Up to age 75

Year 1

Year 2

Year 3

Year 4

Year 5

Year 6

Year 7

Year 8

Year 9

Year 10

Year 11

Initial Premium:

****

Trail:

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

Ages 76-79

Year 1

Year 2

Year 3

Year 4

Year 5

Year 6

Year 7

Year 8

Year 9

Year 10

Year 11

Initial Premium:

****

Trail:

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

Ages 80+

Year 1

Year 2

Year 3

Year 4

Year 5

Year 6

Year 7

Year 8

Year 9

Year 10

Year 11

Initial Premium:

****

Trail:

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

Related Information

Other Midland National Life Products

MYGA

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MNL Guarantee Pro 5
MNL Guarantee Pro 7

Fixed Indexed Annuity

Endeavor 8
IncomeVantage Pro
Index Builder 10
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MNL Accelerate 5
MNL Income Planning Annuity
RetireVantage 10
RetireVantage 10 OABR
RetireVantage 14
RetireVantage 14 OABR
Summit Discovery 7 Fixed Indexed Annuity
Summit Edge 10 Fixed Indexed Annuity
Summit Edge 5 Fixed Indexed Annuity
Summit Edge 7 Fixed Indexed Annuity
Summit Edge II 10
Summit Edge II 5
Summit Edge II 7
Summit Focus 3
Summit Navigate 5
Summit Navigate 7

SPIA

Direct Income

Available Subscriptions

This information is available with any of these subscriptions:

Single-User Edition

An affordable, full access subscription, for the individual broker

Office Edition

Multiple users with administrative control over the products, features and content displayed

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Web Edition -Retailers

A special edition for retailers, just the right amount of information for the consumer, plus the ability collect and manage leads.

Additional Information

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Upcoming Rate Changes

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