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Midland National Life

IndexBuilder 14

A Fixed Indexed Annuity with a 14-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	Part Rate	Cap	Part Rate
1 Year Fidelity Multifactor Yield 5% ER Enhanced Participation	***	***	***	***
1 Year Fidelity Multifactor Yield Index 5% ER Point to Point w/ Participation	***	***	***	***
1 Year Nasdaq 100 Volitility Control 12% Point to Point w/ Enhanced Participation	***	***	***	***
1 Year Nasdaq 100 Volitility Control 12% Point to Point w/ Participation	***	***	***	***
1 Year S&P 500 Annual Inverse Performance Trigger	Trigger: 6.00			***	***	***
1 Year S&P 500 Annual Point-to-Point Index Cap Rate	***	***	***	***
1 Year S&P 500 Dynamic Intraday TCA Point to Point w/ Enhanced Participation	***	***	***	***
1 Year S&P 500 Dynamic Intraday TCA Point to Point w/ Participation	***	***	***	***
1 Year S&P 500 Monthly Point-to-Point Index Cap Rate	***	***	***	***
1 Year S&P 500 Point to Point w/ Participation	***	***	***	***
1 Year S&P MARC 5% ER Annual Point to Point with PR	***	***	***	***
1 Year S&P MARC 5% ER Enhanced Participation	***	***	***	***
2 Year Fidelity Multifactor Yield Index 5% ER Point to Point (No Cap)	***	***	***	***
2 Year Nasdaq 100 Volitility Control 12% Point to Point w/ Participation	***	***	***	***
2 Year S&P 500 Dynamic Intraday TCA Point to Point w/ Participation	***	***	***	***
2 Year S&P 500 Point to Point w/ Participation	***	***	***	***
2 Year S&P MARC 5% ER Annual Point to Point with PR	***	***	***	***
1 Year Fixed Account (Rate guaranteed for 1 Year)	.* %		.* %
Band $75,000+	Cap	Part Rate	Cap	Part Rate
1 Year Fidelity Multifactor Yield 5% ER Enhanced Participation	***	***	***	***
1 Year Fidelity Multifactor Yield Index 5% ER Point to Point w/ Participation	***	***	***	***
1 Year Nasdaq 100 Volitility Control 12% Point to Point w/ Enhanced Participation	***	***	***	***
1 Year Nasdaq 100 Volitility Control 12% Point to Point w/ Participation	***	***	***	***
1 Year S&P 500 Annual Inverse Performance Trigger	Trigger: 6.00			***	***	***
1 Year S&P 500 Annual Point-to-Point Index Cap Rate	***	***	***	***
1 Year S&P 500 Dynamic Intraday TCA Point to Point w/ Enhanced Participation	***	***	***	***
1 Year S&P 500 Dynamic Intraday TCA Point to Point w/ Participation	***	***	***	***
1 Year S&P 500 Monthly Point-to-Point Index Cap Rate	***	***	***	***
1 Year S&P 500 Point to Point w/ Participation	***	***	***	***
1 Year S&P MARC 5% ER Annual Point to Point with PR	***	***	***	***
1 Year S&P MARC 5% ER Enhanced Participation	***	***	***	***
2 Year Fidelity Multifactor Yield Index 5% ER Point to Point (No Cap)	***	***	***	***
2 Year Nasdaq 100 Volitility Control 12% Point to Point w/ Participation	***	***	***	***
2 Year S&P 500 Dynamic Intraday TCA Point to Point w/ Participation	***	***	***	***
2 Year S&P 500 Point to Point w/ Participation	***	***	***	***
2 Year S&P MARC 5% ER Annual Point to Point with PR	***	***	***	***
1 Year Fixed Account (Rate guaranteed for 1 Year)	.* %		.* %

State Specified Minimum Interest Rate: ****

Premium Bonus for $20,000+ Band
Year:	1	2	3
Bonus Rate:	****	****	****

Premium Bonus for $75,000+ Band
Year:	1	2	3
Bonus Rate:	****	****	****

Policy Notes

The @annuity --[ 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: 01/01/2026
Commissions are ***** *** * *** * *** * ** ***** ***.

Option A

IndexBuilder 14

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:

****

Option B

IndexBuilder 14

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 *****

Option C

IndexBuilder 14

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 *****

Option D

IndexBuilder 14

(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 *****

Related Information

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MNL Guarantee Pro 7
OAK ADVantage 3
OAK ADVantage 5
OAK ADVantage 7

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IncomeVantage Pro
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IndexBuilder 10 OABR
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IndexBuilder 14 OABR
IndexMax ADV 5
IndexMax ADV 7
MNL Accelerate 5
MNL Income Planning Annuity
RetireVantage 10
RetireVantage 14
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 Journey 10
Summit Laddered 5
Summit Laddered 7
Summit Navigate 5
Summit Navigate 7

SPIA

Direct Income

RILA

Oak Elite ADV *INDICATIVE RATES*

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