Midland National MNL IndexBuilder 10 – Bonus Growth, Market Protection, and Lifetime Income
At Diversified Insurance Brokers, we guide clients through personalized annuity strategies that offer protection, performance, and peace of mind. If you’re looking for a product that delivers immediate value, long-term accumulation, and income flexibility, the Midland National MNL IndexBuilder 10 could be the solution you’ve been searching for.
This fixed indexed annuity offers one of the most attractive bonus structures on the market, along with multiple ways to grow and access your retirement funds—safely and strategically.
Ensure you are receiving the absolute top rates
Current Fixed Annuity Rates
Compare today’s best fixed annuity rates from top carriers.
Current Bonus Annuity Rates
See which annuities offer the highest upfront bonus today.
Request an Annuity Quote
Submit our annuity request form to get personalized rate options.
Lifetime Income Calculator
Use our calculator to see how much guaranteed income your annuity can provide.
Up to a 17% Bonus Right Out of the Gate
With the Additional Benefit Rider (ABR), the MNL IndexBuilder 10 offers a premium bonus of up to 17%. This feature can significantly boost your starting value and is particularly valuable for those who plan to use the annuity for income later in life.
This added growth potential comes with strong contractual guarantees and an optional charge for enhanced benefits—making it a smart fit for retirement plans that prioritize long-term accumulation and income protection.
Index Strategies for Market-Linked Growth
The MNL IndexBuilder 10 gives you access to multiple index crediting strategies tied to:
-
S&P 500®
-
Fidelity Multifactor Yield Index
-
And other performance-driven options
You can choose from annual and two-year point-to-point, monthly point-to-point, and enhanced participation strategies with optional charges. Regardless of your selection, the 0% floor ensures your principal is never reduced due to market losses. All growth is also tax-deferred, helping your money compound faster over time.
Flexible Income and Liquidity Features
This annuity includes strong liquidity and payout options designed to support your retirement lifestyle:
-
Penalty-free withdrawals up to 10% per year
-
Up to 20% liquidity with the ABR if no prior withdrawals are taken
-
Lifetime income, period certain, and joint life payout options
-
Return of premium, terminal illness, and nursing home confinement waivers
These features make the IndexBuilder 10 one of the more flexible annuities on the market—ideal for retirees who want access when they need it, without sacrificing long-term income.
Built for Stability and Legacy
Backed by Midland National Life Insurance Company, a financially strong and respected insurer, this annuity also offers robust death benefit protection for legacy planning. Your loved ones can receive a strong financial foundation, while you maintain control over your income and assets throughout retirement.
Let Diversified Insurance Brokers Help You Compare Options
We help clients across the country find the best-fit annuity products by offering clear comparisons, personalized strategies, and access to the top-rated carriers like Midland National. If you’re seeking bonus-driven growth with market protection and lifetime income, the MNL IndexBuilder 10 could be a game-changer in your plan.
Talk to an Advisor or Request Your Annuity Quote
Ready to explore this annuity in more detail—or compare it with other carriers to see if even higher rates are available? With guaranteed income, principal protection, and long-term growth potential on the line, making the right choice is essential. The experienced advisors at Diversified Insurance Brokers will guide you through the options and design a strategy tailored to your retirement goals.
Schedule here:
calendly.com/jason-dibcompanies/diversified-quotes
Licensed in all 50 states • Fiduciary, family-owned since 1980
FAQs: Midland National MNL IndexBuilder 10
What is the Midland National MNL IndexBuilder 10?
The MNL IndexBuilder 10 is a fixed indexed annuity offering market-linked growth potential with downside protection and multiple crediting strategies. It is designed for long-term accumulation and flexibility.
How does interest grow in the IndexBuilder 10?
Interest is credited based on the performance of selected market indices, subject to caps, participation rates, and spreads. You are not directly invested in the market, so your principal is protected from losses.
Does this annuity offer a fixed interest option?
Yes. In addition to indexed strategies, there is a fixed interest option that provides a guaranteed rate each year.
What liquidity does the IndexBuilder 10 provide?
The annuity typically includes penalty-free withdrawals of up to 10% of the account value each year after the first contract year, subject to contract terms.
Are there optional income riders available?
Yes. Midland National offers optional guaranteed lifetime income benefit (GLIB) riders for an additional cost, designed to provide predictable retirement income.
Is my principal protected?
Yes. Your account will never lose value due to market declines. Indexed credits can increase your value, but negative index performance does not reduce it.
What is the surrender charge period?
The IndexBuilder 10 uses a 10-year surrender schedule, which decreases annually. Withdrawals beyond the free allowance during this period may incur charges.
About the Author:
Jason Stolz, CLTC, CRPC, is a senior insurance and retirement professional with more than two decades of real-world experience helping individuals, families, and business owners protect their income, assets, and long-term financial stability. As a long-time partner of the nationally licensed independent agency Diversified Insurance Brokers, Jason provides trusted guidance across multiple specialties—including fixed and indexed annuities, long-term care planning, personal and business disability insurance, life insurance solutions, and short-term health coverage. Diversified Insurance Brokers maintains active contracts with over 100 highly rated insurance carriers, ensuring clients have access to a broad and competitive marketplace.
His practical, education-first approach has earned recognition in publications such as VoyageATL, highlighting his commitment to financial clarity and client-focused planning. Drawing on deep product knowledge and years of hands-on field experience, Jason helps clients evaluate carriers, compare strategies, and build retirement and protection plans that are both secure and cost-efficient.
