MNL Guarantee Pro MYGA – Guaranteed Growth With Long-Term Security
Fixed Returns You Can Count On
At Diversified Insurance Brokers, we understand that many retirees and pre-retirees want guaranteed returns without taking on market risk. That’s why the MNL Guarantee Pro Multi-Year Guarantee Annuity (MYGA), issued by Midland National Life Insurance Company, is a top choice for clients who prioritize stability, safety, and tax-deferred accumulation.
This annuity allows you to lock in interest rates for a guaranteed term while keeping your original investment fully protected.
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Guaranteed Interest for 3, 5, or 7 Years
Choose the term that fits your needs. With the MNL Guarantee Pro, your interest rate is guaranteed and fixed for the length of the contract—no surprises and no market exposure. Whether you prefer a shorter 3-year plan or a longer 7-year strategy, you’ll benefit from predictable growth and tax-deferred compounding.
Liquidity With Built-In Flexibility
After the first contract anniversary, you can withdraw up to 10% of your account value each year penalty-free—giving you access to funds when you need them most. If you face a qualifying health challenge, the Nursing Home Confinement Waiver provides 100% penalty-free access, delivering added peace of mind.
A Simple Estate Transfer Strategy
Should something happen to you, your beneficiaries receive the full accumulation value of your annuity without surrender charges. It’s a clean, efficient way to transfer wealth without the volatility of the stock market or the delays of probate.
Is the MNL Guarantee Pro Right for You?
This annuity is an ideal fit for:
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Retirees seeking CD alternatives with higher guaranteed returns
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Pre-retirees looking for tax-deferred savings growth
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Individuals needing a conservative base for income planning
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Families interested in passing wealth on securely
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.
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FAQs: MNL Guarantee Pro MYGA Annuity
What is the MNL Guarantee Pro MYGA?
The MNL Guarantee Pro MYGA is a multi-year guaranteed annuity (MYGA) that offers a fixed interest rate for a defined term. It is designed for savers who want a stable, predictable return and principal protection over the guarantee period.
How does interest crediting work?
Your premium (or rollover/transfer) earns a fixed interest rate over the contract term. Interest accumulates on a tax-deferred basis, independent of market performance or index fluctuations.
Is my principal protected?
Yes. As a fixed-rate MYGA, the Guarantee Pro structure ensures that your principal (accumulation value) remains protected from market volatility — growth and guarantee are based solely on the fixed rate.
What happens when the guarantee period ends?
At the end of the guarantee/term, you generally have options to take the cash value, renew or roll over into a new contract (at then-current rates), or convert to income if the contract allows. The available choices depend on the version you select.
Can I access my money before the term ends?
Early withdrawals or surrender before the end of the guarantee period may be restricted or subject to surrender charges and penalties. MYGAs are typically less liquid than bank CDs or savings accounts — treat them as a long-term commitment.
How are earnings and withdrawals taxed?
Earnings grow tax-deferred while the contract remains in force. When you withdraw or surrender, earnings are taxed as ordinary income. Withdrawals before age 59½ may also incur additional IRS penalties, depending on your situation.
Who is Guarantee Pro MYGA a good fit for?
This annuity may suit conservative savers seeking predictable, guaranteed returns — especially those comparing low-risk options like CDs or savings bonds. For those interested in tax-deferred growth without market risk, it can be a useful part of a well-balanced retirement plan such as the one described under our safe accumulation and retirement planning strategies.
What should I carefully consider before purchasing?
Before committing, check the term length, fixed interest rate, surrender or withdrawal restrictions, and whether you can access funds without penalties when needed. Ensure the guarantee period fits your time horizon and that you’re comfortable locking up funds for the full term.
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.
