Each year you can withdraw your accumulated interest without a surrender charge. Principal withdrawals are subject to surrender charges. (3-yr); Up to 15% of the contract value can be withdrawn each year free of surrender charges. Unused free-withdrawal amounts may carry forward to subsequent years. (5-yr, 6-yr, 7-yr)
Features
Death Benefit Waiver · RMD-Friendly (RMD withdrawals exempt from surrender charge)
Up to 15% of the contract value can be withdrawn each year free of surrender charges. Unused free-withdrawal amounts may carry forward to subsequent years.
Features
Death Benefit Waiver · Return of Premium · Return of Premium
Each contract is backed by the issuing carrier and the applicable state guaranty association up to that state's statutory limit.
See limits by state.
Before you decide
Let us mail you our Verification Checklist.
It shows you how to check Manhattan Life for yourself — what your state guarantees if the carrier ever fails, what you can take out early and what that costs.
