MNL Guarantee Pro
Midland National
5.3%
5-yr guarantee
50
Jurisdictions
Live product data
Rates as of May 29, 2026, based on the latest AdvisorWorld scan of CANNEX data.
5-year guaranteed rate
5.3% guaranteed for 5 years
A multi-year guaranteed annuity from A-plus-rated Midland National with three guarantee-period choices (three-, five-, and seven-year terms) and a six-figure premium floor, filed in 50 jurisdictions and aimed at the high-balance rollover market.
Best fit
Buyers with a six-figure-plus deposit to lock up for a known, fixed yield from a top-rated carrier, who can match one of the three guarantee terms to their need-the-money-back date.
AM Best
A+ Superior
Surrender period
7 years
Free withdrawal
0%/yr
Availability
50 jurisdictions (excl. New York)
Product analyst notes
How to think about this contract
Why it can stand out
- A-plus rated carrier (A.M. Best) — Midland National is a long-established U.S. fixed-annuity writer.
- Three guarantee-period choices on one product (three-, five-, and seven-year terms) — buyers can match the term to when they need the money back, not the other way around.
- Premium minimum is published on the live feed and reflects a six-figure floor, and the published rate band runs from that floor with no upper cap, so a six-figure rollover and a much larger deposit land in the same band.
- Nursing-home and RMD surrender-charge waivers are in the schedule, so penalty access for those specific life events does not require selling the contract entirely.
What to confirm
- There is no annual free-withdrawal allowance on the published feed — any access in the surrender window outside the waiver triggers, including penalty-free interest, requires confirming the contract's actual liquidity rules before signing.
- Market value adjustment applies on early surrender on top of the surrender-charge ladder — buyers who may need full liquidity inside the window face both penalties layered together.
- Surrender schedule runs the full seven-year window even on the shorter-term variants — confirm which surrender schedule applies to your chosen term before signing.
- Filed in 50 jurisdictions (every state and DC except New York) — New York residents are not on this filing.
- Death benefit is the cash surrender value — no enhanced or step-up death benefit on this contract, so legacy-focused buyers should look elsewhere.
Not ideal for
Anyone below the published premium floor, anyone who relies on a standard annual free-withdrawal allowance (none shown on the published feed — verify with the carrier), anyone who may need full liquidity inside the surrender window (MVA layers on top of the surrender charge), and New York residents (not filed there).
Guaranteed Rates by Term
| Term | Guaranteed Rate |
|---|---|
| 3-Year | 5.05% |
| 5-Year | 5.3% |
| 7-Year | 5.2% |
Key Features
Free withdrawal
0%/yrAnnual amount that may be available without surrender charges, subject to contract terms.
Surrender waivers
2Nursing home waiver, RMD waiver
Death benefit
Standard Death BenefitBeneficiary value depends on contract terms, withdrawals, and rider elections.
Annuitization options
Single lifeContract conversion options should be confirmed before purchase.
Fund types
Non-qualified, QualifiedAvailability can vary by state and product terms.
Surrender Schedule
Yr 1
8%
Yr 2
8%
Yr 3
7%
Yr 4
6%
Yr 5
5%
Yr 6
4%
Yr 7
3%
After
0%
Nursing home waiver, RMD waiver, Surrender waivers
Carrier Ratings
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