Unlike the other reviews at this site my experiences have only been positive with MNL. Our annuities generally have had earnings and Accumulation Value increases achieving our goals without any hassle.
Some years values going up well, some years not so much, but all-in-all just right for our needs. If your looking to get rich or make up for years of neglect in your retirement planning, MNL may not do the job, but if you're looking for solid support for a solid retirement plan, they work well. For example, they have always promptly coordinated my early, penalty-free withdrawals. They have always allowed changes in my investment distributions.
Annuity contracts, like any other contract should be understood before buying into and if there is a provision you can't live with - pass on the product. There are some provisions that may not work for others, but for us, they work just fine.
Compared with playing the stock market or buying a CD or low yield T-bill, we're very pleased with MNL.
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