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Variable Annuities

Low-cost, no-load, fee-based variable annuities on the RetireOne platform include investment-only variable annuities (IOVAs), variable annuities with lifetime income benefits, and index-linked annuities (sometimes called ‘buffer annuities’ or ‘structured annuities’). Listed below are the IOVAs and VAs with lifetime income benefits. These riders are also called guaranteed lifetime withdrawal benefits, or “GLWB.”

VAs with lifetime income benefits are typically employed to create income streams. RIAs and fee-based advisors favor IOVAs as pure accumulation vehicles—for rescuing clients’ old, pricey, traditional VAs.

Features

Fees/Expenses

Limits

Literature

wdt_ID	Insurance Company	Product	Solution Type	Return of Premium Death Benefit	Investment Options/Crediting Methods	Fund Families	Fixed Account Availability	Ultra Low-Cost Funds	Surrender Penalty	Lifetime Income Benefit	Penalty Free Withdrawals	Systematic Withdrawals	Dollar-Cost Averaging
1	Allianz Life	Index Advantage ADV℠	Index-Linked Annuity	included in M&E charge	4	N/A	No	No	Yes	No	Yes	Yes	No
2	Allianz Life	Retirement Foundation ADV℠	Fixed Indexed Annuity		4	N/A	Yes	N/A	Yes	Yes	Yes	Yes	No
3	Ameritas	Advisor No-Load VA	Variable Annuity	included in M&E charge	65	15	Yes	DFA & Vanguard	No	No	Yes	Yes	Yes
4	Ameritas	Compass SPIA	Single Premium Immediate Annuity		N/A	N/A	Yes	N/A	No	Yes	Yes	N/A	No
6	Ameritas	Advisor II VUL	Variable Universal Life		N/A	N/A	N/A	N/A	No	N/A	N/A	N/A	N/A
7	Ameritas	Value Plus Term Life Insurance	Term Life Insurance		N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
10	MassMutual Ascend	Index Protector℠ 7	Fixed Indexed Annuity		5	N/A	Yes	N/A	Yes	Yes	Yes	Yes	No
11	Nationwide	Advisory Variable Universal Life	Variable Universal Life	N/A	140+	35+	No	Yes	No	N/A	N/A	Yes	Yes
12	Symetra	Advisory Edge	Fixed Indexed Annuity		2	N/A	Yes	N/A	Yes	No	Yes	Yes	No
13	Symetra	Advisory Income Edge	Fixed Indexed Annuity		N/A	N/A	Yes	N/A	Yes	Yes	Yes	Yes	No
14	TIAA Life	Intelligent Variable Annuity	Variable Annuity	0.10%	66	20	No	DFA & Vanguard	No	No	Yes	Yes	Yes
15	TIAA Life	Investment Horizon	Multi-Year Guaranteed Annuity		N/A	N/A	Yes	N/A	Yes	No	No	N/A	No
17	Transamerica	I-Share II Variable Annuity	Variable Annuity	0.10%	68	9	Yes	Vanguard (a)	No	Yes	Yes	Yes	Yes
18	Jackson	Jackson Retirement Investment Annuity^SM	Variable Annuity	0.20%	110	31	Yes	Yes	No	Yes	Yes	Yes	Yes
20	Jackson	Perspective Advisory II^®	Variable Annuity	0.20%	146	35	Yes	Yes	No	Yes	Yes	Yes	Yes
21	Jackson	Marketprotector Advisory^SM	Fixed Indexed Annuity		2	N/A	Yes	N/A	No	Yes	Yes	Yes	No
22	MassMutual Ascend	Index Protector 5 MVA℠	Fixed Indexed Annuity		5	N/A	Yes	N/A			Yes	Yes
23	MassMutual Ascend	Index Protector 4℠	Fixed Indexed Annuity		5	N/A	Yes	N/A	Yes		Yes	Yes
24	Protective Life	Investors Benefit Advisory VA	Variable Annuity	0.20%	83	12	Yes	Yes, DFA & Vanguard	No	Yes	Yes	Yes	Yes
25	Pacific Life Insurance	Pacific Odyssey®	Variable Annuity	included in M&E charge	96	19		Yes, DFA		Yes	Yes	Yes	Yes
26	Pacific Life Insurance	Pacific Index Advisory®	Fixed Indexed Annuity	0.40%	2	N/A	Yes	N/A	Yes	No	Yes	Yes	No
27	Midland Advisory	IndexMax ADV^SM 5	Fixed Indexed Annuity		2	N/A	Yes	N/A	Yes	No	Yes	Yes	No
28	Midland Advisory	IndexMax ADV^SM 7	Fixed Indexed Annuity		2	N/A	Yes	N/A	Yes	No	Yes	Yes	No
29	Pacific Life Insurance	Pacific Advisory Variable Annuity	Variable Annuity	0.15%	83	24	No	DFA & Vanguard	No	Yes	Yes	Yes	Yes
30	Midland Advisory	Constance^SM CDA	Contingent Deferred Annuity	N/A	215	18	N/A	Yes	N/A	Yes	Yes	N/A	N/A
31	Jackson	Jackson Market Link Pro^SM Advisory	Index-Linked Annuity	included through age 75	50 segment options	3	Yes	N/A	No	No	Yes	Yes	No
32	Allianz Life	Index Advantage Income ADV^SM	Index-Linked Annuity		31	N/A		N/A	No	Yes	Yes	Yes	No
33	American Life	American Life Fee Based MYGA	Multi-Year Guaranteed Annuity				Yes				Yes	Yes
34	Midland Advisory	Oak ADVantage^SM	Multi-Year Guaranteed Annuity				Yes		Yes		Yes	Yes
35	MassMutual Ascend	Advantage 5 Advisory	Multi-Year Guaranteed Annuity		No	No	Yes	No	Yes	No	Yes	Yes	No
36	Midland Advisory	Midland National Capital Income	Fixed Indexed Annuity		4	2	Yes		Yes	Yes	Yes	Yes
37	MassMutual Ascend	Index Achiever Advisory	Index-Linked Annuity	included in M&E charge	10	N/A	Yes	N/A	No CDSC, but MVA		No	Yes	N/A
38	GILICO	GRL Guaranty Rate Lock	Multi-Year Guaranteed Annuity		N/A	N/A	Yes	N/A	Yes	Yes	Yes	Yes	No
39	Nationwide	Advisory Income	Single Premium Immediate Annuity	N/A	N/A	N/A	N/A	N/A	N/A	Yes	N/A	Yes	N/A
40	Nationwide	Monument Advisor	Variable Annuity	included in M&E charge	350+	50+	No	DFA, Vanguard	No	No	Yes	Yes	Yes
41	Nationwide	Advisory Retirement Income Annuity	Variable Annuity	included in M&E charge	150+	35+	No	DFA, Vanguard	No	Yes	Yes	Yes	Yes

wdt_ID	Insurance Company	Product	Solution Type	M&E Charge/Product Fee	Admin Charge	Return of Premium Death Benefit Fee	Annual Contract Maintenance or Subscription Fee†	Portfolio Expense Range (a)	Average Portfolio Expense (a)	Surrender Charge Schedule	Penalty Free %
1	Allianz Life	Index Advantage ADV℠	Index-Linked Annuity	0.25%	0.00%	included in M&E charge	$50 < 100k	0.65%-0.73%	0.69%	6.5,6,5,4,3,2	10%
2	Allianz Life	Retirement Foundation ADV℠	Fixed Indexed Annuity	1.25%	N/A	N/A	N/A	N/A	N/A	6.5,6,5,4,3,2,1	10%
3	Ameritas	Advisor No-Load VA	Variable Annuity	0.45%	0.00%	included in M&E charge	$40 < $50k	0.15%-3.76%	0.76%	N/A	100%
4	Ameritas	Compass SPIA	Single Premium Immediate Annuity	N/A	N/A	N/A	N/A	N/A	N/A	N/A	None
6	Ameritas	Advisor II VUL	Variable Universal Life	0.70% years 1-15, .10% years 16+	N/A	N/A	N/A	N/A	N/A	N/A
7	Ameritas	Value Plus Term Life Insurance	Term Life Insurance	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
10	MassMutual Ascend	Index Protector℠ 7	Fixed Indexed Annuity	N/A	N/A	N/A	N/A	N/A	N/A	7,7,7,6,5,4,3	10%
11	Nationwide	Advisory Variable Universal Life	Variable Universal Life	N/A	N/A	N/A	After protection period	N/A	N/A	N/A	N/A
12	Symetra	Advisory Edge	Fixed Indexed Annuity	N/A	N/A	N/A	N/A	N/A	N/A	7 or 5 yr. Both 2%. Different in CA	10%
13	Symetra	Advisory Income Edge	Fixed Indexed Annuity	N/A	N/A	N/A	N/A	N/A	N/A	7 year 2%. Different in CA	10%
14	TIAA Life	Intelligent Variable Annuity	Variable Annuity	Tiered: .50%,.35%,.25%	0.00%	0.10%	$25 < $25k	0.09%-1.37%	0.69%	N/A	100%
15	TIAA Life	Investment Horizon	Multi-Year Guaranteed Annuity	N/A	N/A	N/A	N/A	N/A	N/A	6 months of interest	Interest Only systematic
17	Transamerica	I-Share II Variable Annuity	Variable Annuity	0.20%	0.00%	0.30%, 0.60% annual step-up	$35 < $100k	0.57%-2.22%	1.02%	N/A	100%
18	Jackson	Jackson Retirement Investment Annuity^SM	Variable Annuity	0.40% if < $ 1M, 0.35% if > $ 1M	0.05%, waived in contracts over $1,000,000	0.20%	$35 ($30 in NY), waived in contracts over $50,000	0.07% - 1.81%	0.60%	N/A	100%
19	Jackson	Perspective Advisory II^®	Variable Annuity	0.45% if < $ 1M, 0.40% if > $ 1M	$ 0	0.20%	$35 if < $50k	0.15% - 1.86%	0.63%	N/A	100%
20	Jackson	Marketprotector Advisory^SM	Fixed Indexed Annuity	N/A	N/A	N/A	N/A	N/A	N/A	N/A	100%
21	MassMutual Ascend	Index Protector 5 MVA℠	Fixed Indexed Annuity	N/A	N/A	N/A	N/A	N/A	N/A	N/A	10%
22	MassMutual Ascend	Index Protector 4℠	Fixed Indexed Annuity	N/A	N/A	N/A	N/A	N/A	N/A	5.6,5.6,5.6,5.6	10%
23	Protective Life	Investors Benefit Advisory VA	Variable Annuity	0.30%	N/A	0.20%	$35 < $100,000	0.11% - 1.545%	0.77%	N/A	N/A
24	Pacific Life Insurance	Pacific Odyssey®	Variable Annuity	0.15%	0.15%	included in M&E charge	$0	0.28%-2.26%	0.95%	N/A	100%
25	Pacific Life Insurance	Pacific Index Advisory®	Fixed Indexed Annuity	N/A	N/A	N/A	N/A	N/A	N/A	5YR - 7, 6, 5, 4, 3, 0% ; 7YR - 7, 6, 5, 4, 3, 2, 1, 0%	10%
26	Midland Advisory	IndexMax ADV^SM 5	Fixed Indexed Annuity	N/A	N/A	N/A	N/A	N/A	N/A	6,6,5,4,3 (may vary by state)	105
27	Midland Advisory	IndexMax ADV^SM 7	Fixed Indexed Annuity	N/A	N/A	N/A	N/A	N/A	N/A	6,6,5,4,3 (may vary by state)	10%
28	Pacific Life Insurance	Pacific Advisory Variable Annuity	Variable Annuity	0.15%	0.15%	0.15%	$0	0.03% - 1.00%	0.52%	N/A	100%
29	Midland Advisory	Constance^SM CDA	Contingent Deferred Annuity	N/A	N/A	N/A	1.10% - 2.30%	N/A	N/A	N/A	100%
30	Jackson	Jackson Market Link Pro^SM Advisory	Index-Linked Annuity	N/A	N/A	N/A	N/A	N/A	N/A	N/A	100% (MVA Applicable)
31	Allianz Life	Index Advantage Income ADV^SM	Index-Linked Annuity	0.95%	N/A	N/A	$50 (waived if Contract Value is at least $100,000)	N/A	N/A	N/A	10%
32	American Life	American Life Fee Based MYGA	Multi-Year Guaranteed Annuity	N/A	N/A	N/A	N/A	N/A	N/A	9,8,7,6,5,0% or 9,8,7,0%	N/A
33	Midland Advisory	Oak ADVantage^SM	Multi-Year Guaranteed Annuity	N/A	.75% at issue	N/A	N/A	N/A	N/A	3% every year for 3, 5, or 7-year term	Prior year’s interest only
34	MassMutual Ascend	Advantage 5 Advisory	Multi-Year Guaranteed Annuity	N/A	N/A	N/A	N/A	N/A	N/A	9, 8, 7, 6, 5	10%
35	Midland Advisory	Midland National Capital Income	Fixed Indexed Annuity	1.0%	N/A	N/A	N/A	N/A	N/A	6, 6, 5, 4, 3, 3, 2	10%
36	MassMutual Ascend	Index Achiever Advisory	Index-Linked Annuity	N/A	N/A	N/A	N/A	N/A	N/A	N/A	No
37	GILICO	GRL Guaranty Rate Lock	Multi-Year Guaranteed Annuity	None	None	N/A	N/A	N/A	N/A	9, 8, 7, 6, 5, 4, 3, 2, 1, .5%	RMD or 5% after year 2. $250 min.
38	Nationwide	Advisory Retirement Income Annuity	Variable Annuity	0.20%	0.00%	0.15%	$0	.49%-2.31%	1.40%	N/A	100%
39	Nationwide	Monument Advisor	Variable Annuity	0.00%	0.00%	0.15%	$240	0.34%-3.56%	1.95%	N/A	100%
40	Nationwide	Advisory Income	Single Premium Immediate Annuity	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

wdt_ID	Insurance Company	Product	Solution Type	Availability	Minimum Initial Investment	Maximum Issue Age	Max Total Contributions w/o Approval
1	Allianz Life	Index Advantage ADV℠	Index-Linked Annuity	48 states (not NY,AK)	$10,000	80	$1,000,000
2	Allianz Life	Retirement Foundation ADV℠	Fixed Indexed Annuity	49 states (not NY)	$10,000	80	$1,000,000
3	Ameritas	Advisor No-Load VA	Variable Annuity	49 states (not NY)	$2,000	85	$1,000,000
4	Ameritas	Compass SPIA	Single Premium Immediate Annuity	50 states	$5,000 deposit or $ 50/Mo. Payout	85	$1,000,000
6	Ameritas	Advisor II VUL	Variable Universal Life	48 States (not CA or NY)	$100,000	80	$10,000,000
7	Ameritas	Value Plus Term Life Insurance	Term Life Insurance	50 States	N/A	80	N/A
10	MassMutual Ascend	Index Protector℠ 7	Fixed Indexed Annuity	49 states (not NY)	$100,000	85 (inherited 75)	$2M to 75, $1.5M 76-80, $1M 81+
11	Nationwide	Advisory Variable Universal Life	Variable Universal Life	48 states (Not MT or NY)	None	80	N/A
12	Symetra	Advisory Edge	Fixed Indexed Annuity	49 States (Not NY)	$10,000	85	$1,000,000
13	Symetra	Advisory Income Edge	Fixed Indexed Annuity	49 States (Not NY)	$10,000	85	$1,000,000
14	TIAA Life	Intelligent Variable Annuity	Variable Annuity	50 states	$2,500	88.5	$1,000,000
15	TIAA Life	Investment Horizon	Multi-Year Guaranteed Annuity	Not available in IL, IN, ND, OR, WA	$5,000	88.5	$500k in a calendar year
17	Transamerica	I-Share II Variable Annuity	Variable Annuity	50 states	$5k Non-Qualified; $1k Qualified	90	$1,000,000
18	Jackson	Jackson Retirement Investment Annuity^SM	Variable Annuity	50 States	$50,000	85	$2,500,000
19	Jackson	Perspective Advisory II^®	Variable Annuity	50 States	$25,000	85	$1,000,000
20	Jackson	Marketprotector Advisory^SM	Fixed Indexed Annuity	49 States (not NY)	$25,000	85	$2,500,000
21	MassMutual Ascend	Index Protector 5 MVA℠	Fixed Indexed Annuity	48 states	$50,000	89 (inherited 75)	$2M to 75, $1.5M 76-80, $1M 81+
22	MassMutual Ascend	Index Protector 4℠	Fixed Indexed Annuity	48 States	$50,000	90 (inherited 75)	$2M to 75, $1M 81+$2M to 75, $1.5M 76-80, $1M 81+
23	Protective Life	Investors Benefit Advisory VA	Variable Annuity	50 States	$5,000	85	$1,000,000
24	Pacific Life Insurance	Pacific Odyssey®	Variable Annuity	49 states (NY has own version)	$25,000	90 (85 in NY and OK)	$1,000,000
25	Pacific Life Insurance	Pacific Index Advisory®	Fixed Indexed Annuity	49 states (not available in NY)	$25,000	85	$1,000,000
26	Midland Advisory	IndexMax ADV^SM 5	Fixed Indexed Annuity	47 states (more to come)	$50,000	85	$1,000,000
27	Midland Advisory	IndexMax ADV^SM 7	Fixed Indexed Annuity	47 states (more to come)	$50,000	85	$1,000,000
28	Pacific Life Insurance	Pacific Advisory Variable Annuity	Variable Annuity	48 states (not NY or CA)	$25,000	90	$1,000,000
29	Midland Advisory	Constance^SM CDA	Contingent Deferred Annuity	37 States + DC	$50,000	80	$2,000,000
30	Jackson	Jackson Market Link Pro^SM Advisory	Index-Linked Annuity	Not available in NY, OR, NE or HI at this time	$25,000	85	$1,000,000
31	Allianz Life	Index Advantage Income ADV^SM	Index-Linked Annuity	49 states (not NY)	$5,000	80	$3,000,000
32	American Life	American Life Fee Based MYGA	Multi-Year Guaranteed Annuity	AZ, CO, DC, HI, ID, IL, IA, IN, KS, LA, MI, MO, MT, NE, NV, NM, OH, OK, OR, TX, UT	$10,000	90	$1,000,000
33	Midland Advisory	Oak ADVantage^SM	Multi-Year Guaranteed Annuity	49 States + DC (no NY)	$50,000	90	$1,000,000
34	MassMutual Ascend	Advantage 5 Advisory	Multi-Year Guaranteed Annuity	48 states (more to come)	$50,000	89 (inherited 75)	$2M to 75, $1.5M 76-80, $1M 80+
35	Midland Advisory	Midland National Capital Income	Fixed Indexed Annuity	All States (Except NY)	$20,000	80	$1,000,000
36	MassMutual Ascend	Index Achiever Advisory	Index-Linked Annuity	34 states	$0	80	2,000,000 0-75 / 1,500,000 76-80
37	GILICO	GRL Guaranty Rate Lock	Multi-Year Guaranteed Annuity	46 states (not AK, HI, ME, NY)	$10,000	100	$5,000,000
38	Nationwide	Advisory Retirement Income Annuity	Variable Annuity	50 states	$25,000	95	$3,000,000
39	Nationwide	Monument Advisor	Variable Annuity	50 states	$15,000	95	$10,000,000
40	Nationwide	Advisory Income	Single Premium Immediate Annuity	49 states, not NY	$10,000	95	$3,000,000

wdt_ID	Insurance Company	Product	Solution Type	New York Prospectus	Benefits/Optional Rider Info	Optional Rider 2	Optional Rider 3	Prospectus	Client Brochure	Learn More	Investment Options	Approved ETFs/Mutual Funds + Models	Performance	Rates	Tool
1	Allianz Life	Index Advantage ADV℠	Index-Linked Annuity					Prospectus		How it works				Rates
2	Allianz Life	Retirement Foundation ADV℠	Fixed Indexed Annuity						Client Brochure	How it works				Rates
3	Ameritas	Advisor No-Load VA	Variable Annuity					Prospectus	Client Brochure	Fund Prospectus	Investment Options		Performance
4	Ameritas	Compass SPIA	Single Premium Immediate Annuity						Client Brochure
6	Ameritas	Advisor II VUL	Variable Universal Life					Prospectus	Client Brochure	Fact Sheet	Investment Options
7	Ameritas	Value Plus Term Life Insurance	Term Life Insurance						Client Brochure
10	MassMutual Ascend	Index Protector℠ 7	Fixed Indexed Annuity						Client Brochure	Product Overview				Rates	FIA Portfolio Simulator
11	Nationwide	Advisory Variable Universal Life	Variable Universal Life					Prospectus	Client Brochure	Learn More	Investment Options
12	Symetra	Advisory Edge	Fixed Indexed Annuity						Client Brochure					Rates
13	Symetra	Advisory Income Edge	Fixed Indexed Annuity						Client Brochure					Rates
14	TIAA Life	Intelligent Variable Annuity	Variable Annuity					Prospectus	Client Brochure				Fund Performance
15	TIAA Life	Investment Horizon	Multi-Year Guaranteed Annuity					Prospectus	Client Brochure					Rates
17	Transamerica	I-Share II Variable Annuity	Variable Annuity		Principal Optimizer	Income Edge 1.2		Prospectus		Product Summary	Investment Options		Fund Performance
18	Jackson	Jackson Retirement Investment Annuity^SM	Variable Annuity	NY Prospectus	+Protect			Prospectus	Client Brochure	Learn More	Investment Options		Performance
19	Jackson	Perspective Advisory II^®	Variable Annuity	NY Prospectus	LifeGuard Freedom® Guide	LifeGuard Freedom Accelerator^SM Living Benefits Guide	Death Benefits Guide	Prospectus	Client Brochure	Income Stream Comparison	Investment Options		Performance
20	Jackson	Marketprotector Advisory^SM	Fixed Indexed Annuity		IncomeAccelerator®				Client Brochure	Product Details	Crediting Methods
21
22	MassMutual Ascend	Index Protector 5 MVA℠	Fixed Indexed Annuity						Client Brochure	Product Overview				Rates	FIA Portfolio Simulator
23	MassMutual Ascend	Index Protector 4℠	Fixed Indexed Annuity						Client Brochure	Product Overview				Rates	FIA Portfolio Simulator
24	Protective Life	Investors Benefit Advisory VA	Variable Annuity	NY Prospectus				Prospectus	Client Brochure	Learn More	Investment Options
25	Pacific Life Insurance	Pacific Odyssey®	Variable Annuity		Enhanced Income Select 2	Protected Investment Benefit 10-year	Protected Investment Benefit 5-year	Prospectus	Client Brochure	Fact Sheet	Investment Options		Fund Performance
26	Pacific Life Insurance	Pacific Index Advisory®	Fixed Indexed Annuity		Interest Enhanced Death Benefit	Interest Enhanced Death Benefit (OR)	Interest Enhanced Death Benefit (NJ, OH, UT, WA)		Client Brochure	Fact Sheet				Rates
27	Midland Advisory	IndexMax ADV^SM 5	Fixed Indexed Annuity						Client Brochure	Learn More	Investment Options			Rates	Advisory Annuity Impact Calculator
28	Midland Advisory	IndexMax ADV^SM 7	Fixed Indexed Annuity						Client Brochure	Learn More	Investment Options			Rates	Advisory Annuity Impact Calculator
29	Pacific Life Insurance	Pacific Advisory Variable Annuity	Variable Annuity		Portfolio Income Protector			Prospectus	Client Brochure	Subaccount Costs	Investment Options		Fund Performance
30	Midland Advisory	Constance^SM CDA	Contingent Deferred Annuity					Prospectus	Client Core Plan Brochure	Client Core Plan Fact Sheet		- Mutual Funds/ETFs - Models
31	Jackson	Jackson Market Link Pro^SM Advisory	Index-Linked Annuity					Prospectus	Client Brochure	Learn More	Rates				Tool
32	Allianz Life	Index Advantage Income ADV^SM	Index-Linked Annuity					Prospectus	Client Brochure	How it Works			Performance	Rates
33	American Life	American Life Fee Based MYGA	Multi-Year Guaranteed Annuity							Fact Sheet
34	Midland Advisory	Oak ADVantage^SM	Multi-Year Guaranteed Annuity						Client Brochure	Fact Sheet				Rates
35	MassMutual Ascend	Advantage 5 Advisory	Multi-Year Guaranteed Annuity						Client Brochure	Learn More				Rates
36	Midland Advisory	Midland National Capital Income	Fixed Indexed Annuity		Health-Activated Income Multiplier				Client Brochure	Highlight Sheet				Rates
37	MassMutual Ascend	Index Achiever Advisory	Index-Linked Annuity					Prospectus	Client Brochure					Rates	Illustration
38	GILICO	GRL Guaranty Rate Lock	Multi-Year Guaranteed Annuity						Client Brochure	Learn More
39	Nationwide	Advisory Income	Single Premium Immediate Annuity						Client Brochure	Learn More				Rates
40	Nationwide	Monument Advisor	Variable Annuity	NY Prospectus				Prospectus	Client Brochure	Learn More	Investment Options		Performance
41	Nationwide	Advisory Retirement Income Annuity	Variable Annuity	NY Prospectus	Living Benefits	Protection Benefit	Death Benefit	Prospectus	Client Brochure	Learn More	Investment Options		Performance	Rates

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Important Disclosures

The Certificate is designed to protect investors who are concerned that, either because of withdrawals over time, poor market performance, or both, their Covered Asset Pool may be depleted during their lifetime. To address that need, the Certificate in effect provides a limited form of insurance against outliving your assets. The Certificate has no cash value, surrender value or death benefit. The Certificate is intended for long-term investment purposes. You should consider the risks and expenses of the annuity carefully before investing. The prospectus contains this and other information. You may contact your financial professional or call (877) 575-2742 to obtain a current prospectus for the contingent deferred annuity. Please read it carefully.

A.M. Best is a large third-party independent reporting and rating company that rates an insurance company on the basis of the company’s financial strength, operating performance, and ability to meet its obligations to policyholders. Ratings shown reflect the opinions of the rating agencies and are not implied warranties of the company’s ability to meet its financial obligations. The above ratings apply to Midland National’s financial strength and claims-paying ability.

A.M. Best rating affirmed on July 30, 2021. For the latest rating, access ambest.com. Awarded to Midland National^® as part of Sammons^® Financial Group Inc., which consists of Midland National^® Life Insurance Company and North American Company for Life and Health Insurance^®.

Constance CDA is not a pension, nor does it contain all of the same features or benefits of a pension; it is a contingent deferred annuity which is a type of insurance product.

The Constance^SM Group Contingent Deferred Annuity (AG206A (contract) and AC206A (certificate) is issued by Midland National^® Life Insurance Company, West Des Moines, Iowa 50266, distributed by EF Legacy Securities, LLC, member FINRA and underwritten by Sammons Financial Network^®, LLC., member FINRA. The Constance^SM Group Contingent Deferred Annuity is not available in New York.

Product and feature availability may vary by state and program sponsor.

Sammons Financial Network^®, LLC. and Midland National^® Life Insurance Company are wholly owned subsidiaries of Sammons^® Financial Group, Inc. and are not affiliated with EF Legacy Securities, LLC and RetireOne.

The Constance^SM group contingent deferred annuity is not a subscription service and the amounts you pay for the benefits provided by this annuity are referred to in the group contract and certificate as fees. Failing to pay the required fees may result in termination of benefits including the “coverage amount” described herein.

Registered investment advisors* (financial advisors) who work with our appointed insurance agents (financial professional(s)) operate independently from Midland National and vary in the extent to which they use the insurance products available to any respective financial professional.

*Midland National does not evaluate, endorse, recommend, or guarantee the services of any financial advisor. You have the relationship and hiring decisions with your financial advisor. As such, we will not supervise or monitor the financial advisor’s activities or your overall investment portfolio, nor are we responsible for the performance of your investments. We have no discretionary authority or control, or liability for any damages with respect to how your financial advisor manages your investment assets.

Midland National^® Life Insurance Company does not give tax, legal, or investment advice. Please consult with and rely on your own tax, legal, or investment professional(s).

The certificate is not designed for resale or speculation, arbitrage, viatical settlements or any type of collective investment scheme. The contract may not be traded on any stock exchange or secondary market. By purchasing the contract, you represent and warrant that you are not purchasing or intending to use the contract, and any of its riders, for resale, speculation, arbitrage, viatical settlements or any type of collective investment scheme.

The Constance^SM Group Contingent Deferred Annuity can play an important role in your retirement plan but may not be for everyone. Before investing, you and your financial advisor should discuss aspects that affect the appropriateness of your situation, including cost, investment timeframe and other retirement assets you may have.

This is neither an offer to sell nor a solicitation to buy. Before purchasing this product, you must receive a current prospectus that includes information regarding risk factors, fees, expenses, investment objectives, and policies. Read the prospectus carefully before you invest any money.

Before replacing an annuity, review the current policy for loss of benefits or surrender charges you may incur. Some of the fees you are paying in your current annuity could be for benefits other annuities do not provide. When considering a 1035 exchange, the replacement annuity is potentially subject to additional fees including a new surrender schedule.

This is a not the story of an actual investor. It is a narrative designed to illustrate the potential value of a packaged solution to solve a specific client need. It is not intended as a testimonial or endorsement of any particular product.

Testimonials may not be representative of the experience of other financial professionals. Testimonials are no guarantee of future performance or success. No fees were paid to the financial professionals who provided these testimonials.

Guarantees are subject to the claims paying ability of the issuing insurance company.

Annuities on the RetireOne platform include low-cost, commission-free products that don't charge surrender penalties. They feature low-cost underlying investment options from fund families like Vanguard and DFA with expense ratios as low as .03%, and average portfolio expenses ranging from 0.63% to 1.02%. M&E fees in these annuities range from 0.20% to .50%, which represents a cost savings relative to traditional products that charge an average 1.32% in M&E fees (source: Morningstar 12/18).

No-load insurance and annuities do not pay the traditionally high commissions for the sale of these products. Other fees and expenses including subaccount fees, M&E charges, administrative fees, optional rider fees, surrender charges, and other insurance-related fees may apply.

We recommend that you consult with a tax professional when considering annuities or other investments.

RetireOne is paid a nominal administration and service fee by insurers to support the platform through which these products are offered to advisors and their clients.

¹Assumes a fee difference of 90 bps—45 bps M&E for no-load VA vs. 135 bps for average traditional VA (according to Morningstar 12/18).

²First-year fee savings based on $200,000 traditional variable annuity account charging 135 bps M&E vs. IOVA charging 45 bps with a 6% return assumption.

Ameritas Advisor No-Load VA (form 6150) and Ameritas Advisor VUL® (form 4051) are issued by Ameritas Life Insurance Corp. and underwritten by affiliate Ameritas Investment Corp. Variable annuities are suitable for long-term investing, particularly for retirement, and are subject to investment risk, including possible loss of principal. Before investing, carefully consider the investment objectives, risks, charges and expenses and other important information about the policy issuer and underlying investment options. This information can be found in the policy and investment option prospectuses, which are available on this website. Please read the prospectuses carefully before investing or sending money. Products are not available in NY.

RetireOne is not an affiliate of Ameritas.

Sammons Financial^® is the marketing name for Sammons^® Financial Group, Inc.’s member companies, including Midland National^® Life Insurance Company. Annuities and life insurance are issued by, and product guarantees are solely the responsibility of, Midland National Life Insurance Company.

The IndexMax ADV^SM is issued on base contract form AS203A/ICC20-AS203A, or appropriate state variation including all applicable endorsements and riders. This product, its features and riders may not be available in all states.

Midland National^® provides the guarantees through its general account.

Midland National does not evaluate, endorse, recommend, or guarantee the services of any financial advisor. You have the relationship and hiring decisions with your financial advisor. As such, we will not supervise or monitor the financial advisor's activities or your overall investment portfolio, nor are we responsible for the performance of your investments. We have no discretionary authority or control, or liability for any damages with respect to how your financial advisor manages your investment assets. Withdrawals taken prior to age 59 1/2 may be subject to IRS penalties.

Registered investment advisors (financial advisors) who work with our appointed insurance agents (financial professional(s)) operate independently from Midland National and vary in the extent to which they use the insurance products available to any respective financial professional.

Securities offered through EF Legacy Securities, LLC (EFLS). EFLS is a member of FINRA/SIPC, registered in all 50 states and is a licensed insurance agency (resident KY license no. DOI-896601). In CA, EFLS is doing business as EF Legacy Insurance Agency LLC (nonresident license no. 0L01472).

Non-registered insurance products are sold by RetireOne, Inc. (RetireOne), a licensed insurance agency (resident KY license no. DOI-778494). In CA and AR, RetireOne is doing business as R1 Insurance Solutions, Inc., (nonresident license no. 0H44773 and 100107906, respectively).

FOR FINANCIAL PROFESSIONAL USE ONLY. NOT FOR CONSUMER USE.

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Complimentary White Paper: "Unbundling Investments from Insurance to Solve for Lifetime Sequence-of-Return Risk"