You can take partial withdrawals, a full surrender, or you can begin annuity payments with no withdrawal charge and no MVA. Do nothing and renew into the 1-year guarantee period at the current interest rate.Choose a new guarantee period (three, four, five, six or seven years) locking in a new interest rate and a new withdrawal charge with Market Value Adjustment 20 (MVA).At the end of the initial interest rate guarantee period, you can take a partial or full withdrawal-no surrender charges or market value adjustment will apply.A new surrender charge period will begin. Renew into a new guarantee period (three, four, five, or ten years).*The 7-year guarantee period is not available in CA and FL. You can begin annuity payments-no surrender charges or market value adjustment will apply.Renew into a new guarantee period (three, five, or seven years *).The guaranteed interest rate will not be less than the minimum guaranteed interest rate-no surrender charge period will apply. Renew into a one-year guarantee period.A reduced surrender charge period will begin. Renew into a new guarantee period (three, four, or five years), if available at the time.You can begin annuity payments – no surrender charge.At the end of the initial interest rate guarantee period, you can take a partial or full withdrawal-no surrender charge. ![]() That rate will not be less than the guaranteed minimum interest rate stated in your policy. The policy will receive a new renewal rate each anniversary that is based on the accumulation value.Western & Southern SmartSelect Single Premium Deferred Annuity ![]() Midland National LiveWell ® Guarantee Max New York Life Secure Term Choice Fixed Annuity II See more fixed deferred annuity comparisons.
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