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Withdrawals exceeding the 15% annual free-withdrawal limit, or a full surrender during the guarantee period, are subject to surrender charges. Charges decline annually and reach 0% at the end of the surrender period. All funds become fully penalty-free at the end of the guarantee term or during the renewal window. No Market Value Adjustment applies.

No optional riders are listed in standard Premium Preferred (New York) materials.

None. No annual maintenance or policy fees.

If the annuitant dies before annuitization, beneficiaries receive the full contract value in a lump sum or settlement option. Surrender charges are waived upon death.

No Market Value Adjustment applies. No additional nursing home or terminal illness waivers are listed in standard New York materials for Premium Preferred.

Up to 15% of the contract value per calendar year may be withdrawn without surrender charges, beginning after the first contract year. Free withdrawal amounts are non-cumulative.

Premium Preferred (New York) is a Single Premium Deferred Annuity (SPDA) that credits a fixed interest rate for the entire duration of the selected 5- or 7-year guarantee period. The owner makes a one-time premium payment, and interest grows tax-deferred at the guaranteed rate for the full term selected. The contract does not impose annual administrative fees or maintenance charges. After the first contract year, partial withdrawals up to the free-withdrawal amount are permitted without surrender charges. Withdrawals exceeding the free-withdrawal amount during the surrender charge period are subject to surrender charges. This product does not include a Market Value Adjustment (MVA). At the end of the guarantee period, a renewal window allows the owner to renew, surrender, or elect another available option without penalty.

At the end of the initial guarantee period, the contract enters a renewal window during which the owner may renew for the same term at the declared renewal rate, surrender without surrender charges, elect another available term, or apply the value to a settlement option. If no election is made, the contract automatically renews for the same term at the then-current renewal rate.

The surrender value equals the contract value minus any applicable surrender charges.

Manhattan Life Premium Preferred (New York)

 is a single-premium Multi-Year Guaranteed Annuity (MYGA) issued by Manhattan Life Insurance Company that provides fixed, tax-deferred interest growth and full principal protection across 5- and 7-year guarantee periods for New York residents. It delivers contractually guaranteed interest rates insulated from market volatility, making it appropriate for conservative savers seeking predictable accumulation. With annual penalty-free access beginning after the first contract year and straightforward contract mechanics, Premium Preferred (New York) supports long-term retirement planning with stability and simplicity.

No optional riders are listed in standard Premium Preferred (California) materials.

No Market Value Adjustment applies. No additional nursing home or terminal illness waivers are listed in standard California materials for Premium Preferred.

 Up to 15% of the contract value per calendar year may be withdrawn without surrender charges, beginning after the first contract year. Free withdrawal amounts are non-cumulative.

Premium Preferred (California) is a Single Premium Deferred Annuity (SPDA) that credits a fixed interest rate for the entire duration of the selected 5- or 7-year guarantee period. The owner makes a one-time premium payment, and interest grows tax-deferred at the guaranteed rate for the full term selected. The contract does not impose annual administrative fees or maintenance charges. After the first contract year, partial withdrawals up to the free-withdrawal amount are permitted without surrender charges. Withdrawals exceeding the free-withdrawal amount during the surrender charge period are subject to surrender charges. This product does not include a Market Value Adjustment (MVA). At the end of the guarantee period, a renewal window allows the owner to renew, surrender, or elect another available option without penalty.

Manhattan Life Premium Preferred (California)

 is a single-premium Multi-Year Guaranteed Annuity (MYGA) issued by Manhattan Life Insurance Company that provides fixed, tax-deferred interest growth and full principal protection across 5- and 7-year guarantee periods for California residents. It delivers contractually guaranteed interest rates insulated from market volatility, making it appropriate for conservative savers seeking predictable accumulation. With annual penalty-free access beginning after the first contract year and straightforward contract mechanics, Premium Preferred (California) supports long-term retirement planning with stability and simplicity.

No optional riders are listed in standard Premium Preferred materials.

No Market Value Adjustment applies. No additional nursing home or terminal illness waivers are listed in standard national materials for Premium Preferred.

Premium Preferred is a Single Premium Deferred Annuity (SPDA) that credits a fixed interest rate for the entire duration of the selected 5- or 7-year guarantee period. The owner makes a one-time premium payment, and interest grows tax-deferred at the guaranteed rate for the full term selected. The contract does not impose annual administrative fees or maintenance charges. After the first contract year, partial withdrawals up to the free-withdrawal amount are permitted without surrender charges. Withdrawals exceeding the free-withdrawal amount during the surrender charge period are subject to surrender charges. This product does not include a Market Value Adjustment (MVA). At the end of the guarantee period, a renewal window allows the owner to renew, surrender, or elect another available option without penalty.

The Manhattan Life Premium Preferred is a single-premium Multi-Year Guaranteed Annuity (MYGA) issued by Manhattan Life Insurance Company that provides fixed, tax-deferred interest growth and full principal protection across 5- and 7-year guarantee periods. It delivers contractually guaranteed interest rates insulated from market volatility, making it appropriate for conservative savers seeking predictable accumulation. With annual penalty-free access beginning after the first contract year and straightforward contract mechanics, Premium Preferred supports disciplined long-term retirement planning with stability and simplicity.

Withdrawals exceeding the annual free withdrawal limit, or a full surrender during the guarantee period, are subject to surrender charges. Charges decline annually and reach 0% at the end of the surrender period. All funds become fully penalty-free at the end of the guarantee term or during the renewal window. No Market Value Adjustment applies.

No optional riders are listed in standard Preferred Choice (New York) materials.

No Market Value Adjustment applies. No additional nursing home or terminal illness waivers are listed in standard New York materials.

 Interest-only withdrawals or Required Minimum Distributions (RMDs) permitted without surrender charges.

Preferred Choice (New York) is a Single Premium Deferred Annuity (SPDA) that credits a fixed interest rate for the entire duration of the selected guarantee period. The owner makes a one-time premium payment and selects a 3-, 5-, 6-, or 7-year term, during which interest grows tax-deferred at the guaranteed rate. The contract does not impose annual administrative fees or maintenance charges. Partial withdrawals are permitted subject to free withdrawal provisions, while withdrawals exceeding those limits during the surrender charge period are subject to surrender charges. This product does not include a Market Value Adjustment (MVA). At the end of each guarantee period, a renewal window allows the owner to renew, surrender, or elect another option without penalty.

Manhattan Life Preferred Choice (New York)

 is a single-premium Multi-Year Guaranteed Annuity (MYGA) issued by Manhattan Life Insurance Company that provides fixed, tax-deferred interest growth and full principal protection across 3-, 5-, 6-, and 7-year guarantee periods for New York residents. It delivers predictable, contractually guaranteed rates insulated from market volatility, making it suitable for conservative savers seeking stable accumulation. With penalty-free withdrawal access on eligible terms and straightforward contract mechanics, Preferred Choice (New York) supports long-term retirement planning with security and simplicity.

Withdrawals exceeding the annual free withdrawal limit, or a full surrender during the guarantee period, are subject to surrender charges. Charges decline annually and reach 0% at the end of the surrender period. All funds become fully penalty-free at the end of the guarantee term or during the renewal window. California follows its own state-approved filing but uses the same declining structure as the national product. No Market Value Adjustment applies.

No optional riders are listed in standard Preferred Choice CA materials.

No Market Value Adjustment applies. No additional nursing home or terminal illness waivers are listed in standard California materials.

 Up to 15% of the contract value per calendar year may be withdrawn without surrender charges. Free withdrawal amounts are non-cumulative.

Manhattan Life – Preferred Choice (California)

 is a single-premium Multi-Year Guaranteed Annuity (MYGA) issued by Manhattan Life Insurance Company that provides fixed, tax-deferred interest growth and full principal protection across 3-, 5-, 6-, and 7-year guarantee periods for California residents. The contract delivers predictable, contractually guaranteed interest rates insulated from market volatility, making it suitable for conservative savers seeking stable accumulation. With straightforward contract mechanics and annual penalty-free access on eligible terms, Preferred Choice CA supports long-term retirement planning with clarity and security.

Withdrawals exceeding the annual free withdrawal amount or full surrenders during the surrender charge period incur surrender charges. Charges decline each year until reaching 0% at the end of the guarantee period. All funds become fully penalty-free at the end of the term or during the renewal window.

None included as standard. Optional riders are not broadly listed for this product in the carrier’s standard materials; if a state-specific or producer-only rider exists, it would be disclosed in applicable sales literature.

None. No annual policy fees or setup charges.

If the annuitant dies before annuitization, the beneficiary receives the full contract value (accumulation value) in a lump sum or as one of the available settlement options. Surrender charges are waived on death.

Preferred Choice does not include an MVA rider, and typically does not offer separate nursing home or terminal illness waivers within the contract. If such waivers are available, they would be listed under optional riders — but none are currently published in the standard Preferred Choice brochure or rate sheet.

Preferred Choice allows partial withdrawals beginning in the first contract year:

 Withdrawal of accumulated interest or Required Minimum Distribution (RMD) without surrender charges.

 Up to 15% of the contract value per calendar year penalty-free (non-cumulative), subject to Electronic Funds Transfer (EFT) setup for partial surrenders.

Withdrawals in excess of the free withdrawal amount during surrender charge periods will incur applicable surrender charges. Withdrawals may also be subject to ordinary income tax and, if taken before age 59½, a 10% early withdrawal penalty.

 funds, including Traditional IRA, Roth IRA, SEP IRA, SIMPLE IRA, and non-qualified assets.

Preferred Choice is a single premium deferred annuity (SPDA) that credits a guaranteed interest rate for the entire initial guarantee period selected at purchase. The owner pays a one-time premium and may choose a 3-, 5-, 6-, or 7-year term. During the surrender charge period, partial withdrawals are permitted subject to free withdrawal provisions; full surrender or excess withdrawals incur surrender charges. The contract automatically renews at the end of the guarantee period at a declared renewal rate if no election is made. There is no Market Value Adjustment (MVA) on this product.

At the end of the guarantee period, Preferred Choice enters a renewal window. During this period, the owner may:

• Renew the contract for the same term at the then-current declared renewal rate,

• Take a partial free withdrawal and renew the remaining value.

If no election is made, the contract automatically renews for the same term at the renewal rate.

Surrender value equals the contract (account) value minus applicable surrender charges during the surrender charge period. After the surrender charge period ends, the full contract value is available without surrender charges. Surrender charges do not include a Market Value Adjustment. 

 is a single-premium, tax-deferred Multi-Year Guaranteed Annuity issued by Manhattan Life Insurance Company. It provides a contractually guaranteed fixed interest rate for the duration of the selected guarantee period (3, 5, 6, or 7 years), offering conservative accumulation with principal protection. Interest begins accruing immediately on the full premium and compounds tax-deferred, making Preferred Choice suitable for savers looking for predictable, rate-locked growth without exposure to market risk.

Manhattan Life – Premium Preferred (New York)

Manhattan Life – Premium Preferred (California)

Manhattan Life – Premium Preferred

Manhattan Life – Preferred Choice (New York)

Manhattan Life – Preferred Choice (California)

Manhattan Life – Preferred Choice (MYGA)