Multi-Year Guaranteed Annuity
NAC Guarantee Plus
North American Company for Life and Health Insurance · AM Best A+
7-year annualized rate
5.55%
CANNEX via AdvisorWorld · rates as of September 25, 2026
Annuity product comparison
NAC Guarantee Plus vs MNL Guarantee Pro
Compare rates, carrier ratings, liquidity, surrender terms, and rider features.
CANNEX-backed data via AdvisorWorld. Each available figure below carries its true source date.
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VS
Multi-Year Guaranteed Annuity
MNL Guarantee Pro
Midland National Life Insurance Company · AM Best A+
7-year annualized rate
5.55%
CANNEX via AdvisorWorld · rates as of September 25, 2026
MYGA rates in the cards, table, and verdict use the published $100,000 premium scenario. The tool below changes rates only where both products publish premium-band boundaries.
Auto-verdict
NAC Guarantee Plus leads on surrender period; same-term MYGA rate and carrier strength are tied. This compares available accumulation metrics and is not a personalized recommendation.
- On surrender period, NAC Guarantee Plus has the lower figure (5 years surrender period vs 7 years surrender period); MNL Guarantee Pro is higher.
- On same-term MYGA rate, both show 5.55% 7-year annualized rate.
- On carrier strength, both show A+ AM Best.
Auto-generated from the displayed data, accumulation metrics only, not a recommendation.
side by side
Compare on the numbers
Only metrics that apply to this product type are shown. Missing applicable values show unavailable.
| Metric | NAC Guarantee Plus | MNL Guarantee Pro |
|---|---|---|
| MYGA rate and termAnnualized rates are ranked only at the same guarantee term. A step schedule without a full-term yield shows its published first-year and renewal facts. | 5.55% 7-year annualized rateTie CANNEX via AdvisorWorld · rates as of September 25, 2026 | 5.55% 7-year annualized rateTie CANNEX via AdvisorWorld · rates as of September 25, 2026 |
| AM Best ratingCarrier financial strength from the product/rating feed when available. | A+ AM BestTie CANNEX via AdvisorWorld · rates as of September 25, 2026 | A+ AM BestTie CANNEX via AdvisorWorld · rates as of September 25, 2026 |
| Free withdrawalAvailable annual free-withdrawal percentage for the product. | unavailable CANNEX via AdvisorWorld · rates as of September 25, 2026 | unavailable CANNEX via AdvisorWorld · rates as of September 25, 2026 |
| Surrender periodShorter surrender period is highlighted as more flexible. | 5 years surrender periodLeading CANNEX via AdvisorWorld · rates as of September 25, 2026 | 7 years surrender period CANNEX via AdvisorWorld · rates as of September 25, 2026 |
| Annual feeHighest listed annual rider or strategy fee; lower is highlighted. | No annual fee listedTie CANNEX via AdvisorWorld · rates as of September 25, 2026 | No annual fee listedTie CANNEX via AdvisorWorld · rates as of September 25, 2026 |
| Income riderAvailability only; rider fit depends on payout, cost, and goals. | No income rider listedTie CANNEX via AdvisorWorld · rates as of September 25, 2026 | No income rider listedTie CANNEX via AdvisorWorld · rates as of September 25, 2026 |
| Minimum premiumLower minimum premium is highlighted as easier to access. | $20,000 minimum premiumTie CANNEX via AdvisorWorld · rates as of September 25, 2026 | $20,000 minimum premiumTie CANNEX via AdvisorWorld · rates as of September 25, 2026 |
Scenario tool
Which one shows more guaranteed growth?
Guaranteed-growth comparison
Applies each product's source-normalized annualized rate over the same guarantee term.
5.55% annualized · 7-year term
5.55% annualized · 7-year term
On $100,000, the illustrated value at the displayed guaranteed term is:
Both show the same illustrated guaranteed value ($145,951).
Illustrated interest: NAC Guarantee Plus $45,951; MNL Guarantee Pro $45,951.
Assumptions: the published whole-term annualized rate is applied for the shared term. A step schedule may credit differently each year. State, premium band, issue age, withdrawal activity, renewal rules, and contract terms can change what is available.
Illustrative tool inputs use product figures from CANNEX via AdvisorWorld · rates as of September 25, 2026.
Common questions
Decision FAQs from the same numbers
Is NAC Guarantee Plus or MNL Guarantee Pro better for growth?
On same-term MYGA rate, both show 5.55% 7-year annualized rate.
Is NAC Guarantee Plus or MNL Guarantee Pro 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 NAC Guarantee Plus or MNL Guarantee Pro better for liquidity?
On surrender period, NAC Guarantee Plus 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 $20,000 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
Contract control shows up in surrender period, issue ages, state availability, and rider access.
Carrier backing
Guarantees are backed by the issuing insurer, so carrier ratings and product availability belong next to the rate table.
Disclosures and sources
Displayed product figures are sourced from CANNEX via AdvisorWorld and are labeled with their true source date. Product-specific values are shown only when they apply; missing applicable values show unavailable.
The verdict is auto-generated from the available 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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