Multi-Year Guaranteed Annuity
MNL Guarantee Pro
Midland National Life Insurance Company · AM Best A+
7-year Guaranteed rate
5.2% guaranteed
CANNEX via AdvisorWorld · as of July 16, 2026
DB-backed product comparison
MNL Guarantee Pro vs American Freedom Classic 5 - 2025
Decision-first comparison using current product data, carrier backing, review ratings, liquidity, surrender terms, rider mechanics, and sourced disclosures.
Live CANNEX-backed data via AdvisorWorld. Each figure below carries its source and as-of timing.
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VS
Multi-Year Guaranteed Annuity
American Freedom Classic 5 - 2025
MassMutual Ascend Life Insurance Company · AM Best A++
5-year Guaranteed rate
4.6% guaranteed
CANNEX via AdvisorWorld · as of July 16, 2026
Auto-verdict
MNL Guarantee Pro leads on guaranteed fixed rate; American Freedom Classic 5 - 2025 leads on carrier strength, surrender period; annual fee and income rider availability are tied. This compares current accumulation metrics and is not a personalized recommendation.
- On guaranteed fixed rate, MNL Guarantee Pro has the higher figure (5.2% 7-year guaranteed rate vs 4.6% 5-year guaranteed rate); American Freedom Classic 5 - 2025 is lower.
- On carrier strength, American Freedom Classic 5 - 2025 has the higher figure (A++ AM Best vs A+ AM Best); MNL Guarantee Pro is lower.
- On surrender period, American Freedom Classic 5 - 2025 has the lower figure (5 years surrender period vs 7 years surrender period); MNL Guarantee Pro is higher.
- On annual fee, both show No annual fee listed.
- On income rider availability, both show No income rider listed.
Auto-generated from live data, accumulation metrics only, not a recommendation.
Live side by side
Compare on the numbers
Only metrics that apply to this product type are shown. Missing applicable values show unavailable.
| Metric | MNL Guarantee Pro | American Freedom Classic 5 - 2025 |
|---|---|---|
| Guaranteed fixed rateDisplayed MYGA guaranteed rate and term. | 5.2% 7-year guaranteed rateLeading CANNEX via AdvisorWorld · as of July 16, 2026 | 4.6% 5-year guaranteed rate CANNEX via AdvisorWorld · as of July 16, 2026 |
| AM Best ratingCarrier financial strength from the live product/rating feed when available. | A+ AM Best CANNEX via AdvisorWorld · as of July 16, 2026 | A++ AM BestLeading CANNEX via AdvisorWorld · as of July 16, 2026 |
| Free withdrawalCurrent annual free-withdrawal percentage for the product. | unavailable CANNEX via AdvisorWorld · as of July 16, 2026 | 10%/yr free withdrawal CANNEX via AdvisorWorld · as of July 16, 2026 |
| Surrender periodShorter surrender period is highlighted as more flexible. | 7 years surrender period CANNEX via AdvisorWorld · as of July 16, 2026 | 5 years surrender periodLeading CANNEX via AdvisorWorld · as of July 16, 2026 |
| Annual feeHighest listed annual rider or strategy fee; lower is highlighted. | No annual fee listedTie CANNEX via AdvisorWorld · as of July 16, 2026 | No annual fee listedTie CANNEX via AdvisorWorld · as of July 16, 2026 |
| Income riderAvailability only; rider fit depends on payout, cost, and goals. | No income rider listedTie CANNEX via AdvisorWorld · as of July 16, 2026 | No income rider listedTie CANNEX via AdvisorWorld · as of July 16, 2026 |
| Minimum premiumLower minimum premium is highlighted as easier to access. | $100,000 minimum premiumTie CANNEX via AdvisorWorld · as of July 16, 2026 | $100,000 minimum premiumTie CANNEX via AdvisorWorld · as of July 16, 2026 |
Scenario tool
Which one shows more guaranteed growth?
Guaranteed-growth comparison
Applies each product's live guaranteed MYGA rate to the displayed term.
MNL Guarantee Pro
5.3% guaranteed · 5-year term
American Freedom Classic 5 - 2025
4.6% guaranteed · 5-year term
On $100,000, the illustrated value at the displayed guaranteed term is:
MNL Guarantee Pro$129,462
American Freedom Classic 5 - 2025$125,216
MNL Guarantee Pro has the higher illustrated guaranteed value ($129,462 vs $125,216).
Illustrated interest: MNL Guarantee Pro $29,462; American Freedom Classic 5 - 2025 $25,216.
Assumptions: annual compounding at the current guaranteed rate for the displayed term. State, premium band, issue age, withdrawal activity, renewal rules, and contract terms can change what is available.
Illustrative tool inputs use live product figures from CANNEX via AdvisorWorld · as of July 16, 2026.
Common questions
Decision FAQs from the same numbers
Is MNL Guarantee Pro or American Freedom Classic 5 - 2025 better for growth?
On guaranteed fixed rate, MNL Guarantee Pro has the higher figure (5.2% 7-year guaranteed rate vs 4.6% 5-year guaranteed rate); American Freedom Classic 5 - 2025 is lower.
Is MNL Guarantee Pro or American Freedom Classic 5 - 2025 better for income?
On income rider availability, both show No income rider listed. Rider availability is only one income input; payout rates, rider fees, start age, and state availability still need review.
Is MNL Guarantee Pro or American Freedom Classic 5 - 2025 better for liquidity?
On surrender period, American Freedom Classic 5 - 2025 has the lower figure (5 years surrender period vs 7 years surrender period); MNL Guarantee Pro is higher. On annual fee, both show No annual fee listed. On minimum premium, both show $100,000 minimum premium.
How to read this comparison
Compare the product job, not just one number.
Rates matter, but surrender terms, liquidity, rider mechanics, state availability, and carrier strength decide whether a product actually fits.
Rate context
Guaranteed rate and term are the first screen, but premium bands and surrender design still matter.
Control
Free-withdrawal and surrender terms are visible because liquidity can be worth as much as a small rate difference.
Carrier backing
Guarantees are backed by the issuing insurer, so carrier ratings and product availability belong next to the rate table.
Disclosures and sources
Live product figures are sourced from CANNEX via AdvisorWorld and are labeled with source and as-of timing. Product-specific values are shown only when they apply; missing applicable values show unavailable and are not backfilled with stale figures.
The verdict is auto-generated from live accumulation metrics only and is not a recommendation. The crediting and guaranteed-growth tools are illustrative, use the stated assumptions, and are not projections, quotes, or carrier-approved illustrations.
MYGA rates vary by state, premium band, guarantee term, and issue age. Annuity guarantees are backed by the issuing carrier's claims-paying ability and are not FDIC-insured. Educational only.
Use the comparison as a starting point.
Then go back to the main rate pages to see the broader market, or run the whole-income comparison when income guarantees are the question.
Want a personalized version?
Use the public comparison freely. A personalized report is optional when you want projections based on your age, state, premium, and goals.
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