Midland National
An A+ rated annuity carrier founded in 1906 and headquartered in Sioux Falls, South Dakota, with retirement products issued through the Sammons Financial Group family.
Financial strength
A+
A.M. Best
A+
S&P Global
A+
Fitch
A+ rated carrier
A.M. Best A+ from the live CANNEX rating feed; S&P and Fitch A+ from the June 2026 carrier research.
Founded 1906
Founded as Dakota Mutual Life Insurance Company and renamed Midland National in 1925.
Sioux Falls, SD
Headquartered in Sioux Falls, South Dakota.
1M+ customers
Midland reports serving more than one million customers.
Sammons member
Member of Sammons Financial Group, described in the June 2026 carrier research as employee-owned.
Run live numbers on Midland National products
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Income FIAs
Selected product: Capital Income
An income-focused fixed indexed annuity group for comparing rider-driven lifetime-income scenarios.
Other current products
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Explore Midland National products
Known Midland National product pages, grouped by what each product group is built to do. Confirm current rates and availability in the analyzer or on the product page.
Fixed Index Annuity - Growth
Index-linked annuities built for protected growth, with product pages for checking caps, participation rates, and fixed-account options.
- Growth-oriented FIAs grouped by accumulation purpose
- Individual product pages are the place to check rates, terms, riders, and disclosures
Best for: Buyers comparing principal-protected growth potential before checking a product page for current strategy details.
Accelerate 5
A short-surrender (five-year) accumulation-focused fixed indexed annuity from A-plus-rated Midland National with an S&P 500 annual point-to-point cap, a proprietary participation-rate menu, and an annual free-withdrawal allowance — no income rider attached.
Comparable FIA metric
Cap, participation, and trigger rates vary by state and strategy - view product for live rates.
IndexMax Adv
A fee-based / advisory-share fixed indexed annuity from A-plus-rated Midland National with a choice of two surrender-term variants and an annual free-withdrawal allowance — current declared index caps are not on the live feed right now, so they should be sourced directly from the carrier before purchase.
Comparable FIA metric
Cap, participation, and trigger rates vary by state and strategy - view product for live rates.
MNL Endeavor 8
An eight-year accumulation-focused fixed indexed annuity from A-plus-rated Midland National with an S&P 500 annual point-to-point cap, a proprietary participation-rate menu, and an annual free-withdrawal allowance — positioned above the entry-level FIA premium floor, no income rider attached.
Comparable FIA metric
Cap, participation, and trigger rates vary by state and strategy - view product for live rates.
MNL IndexBuilder 10
A ten-year accumulation-focused fixed indexed annuity from A-plus-rated Midland National with an up-front premium bonus, a wide menu of S&P 500 / Nasdaq-100 caps and proprietary participation-rate strategies, and a mid-tier premium minimum — no income rider attached.
Comparable FIA metric
Cap, participation, and trigger rates vary by state and strategy - view product for live rates.
MNL RetireVantage 10
A ten-year accumulation-focused fixed indexed annuity from A-plus-rated Midland National with one of the higher S&P 500 caps in the carrier's lineup, a proprietary participation-rate menu, and an annual free-withdrawal allowance — mid-tier premium minimum, no income rider attached.
Comparable FIA metric
Cap, participation, and trigger rates vary by state and strategy - view product for live rates.
Summit Focus 3
An unusually short (three-year) fee-based / advisory-share fixed indexed annuity from A-plus-rated Midland National, with a fee-bearing participation-rate strategy menu and a six-figure premium minimum — filed in 49 jurisdictions (all states and DC except Idaho and New York).
Comparable FIA metric
Cap, participation, and trigger rates vary by state and strategy - view product for live rates.
Summit Laddered
A newly filed (early 2026) laddered fixed-rate-leaning fixed indexed annuity from A-plus-rated Midland National with a choice of two surrender-term variants and an annual free-withdrawal allowance — six-figure premium minimum, filed in 48 jurisdictions (excludes California, New York, and Oregon).
Comparable FIA metric
Cap, participation, and trigger rates vary by state and strategy - view product for live rates.
Summit Navigate
A safety-leaning fixed indexed annuity from A-plus-rated Midland National with a choice of two surrender-term variants, no premium minimum, and an annual free-withdrawal allowance — current declared index caps are not on the live feed right now and should be sourced directly from the carrier before purchase.
Comparable FIA metric
Cap, participation, and trigger rates vary by state and strategy - view product for live rates.
This directory is not a statement of current availability. Confirm current rates, state availability, premium bands, and rider terms in the analyzer or on each product page.
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Find your fit
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Financial strength
A.M. Best
A+
Superior financial-strength rating
Verified July 2026 (live rating check)
CANNEX Financial Exchanges via AdvisorWorld; AnnuityRatesHQ carrier research, June 2026
S&P Global
A+
Strong financial-strength rating
June 2026
AnnuityRatesHQ carrier research, June 2026
Fitch
A+
Stable financial-strength rating
June 2026
AnnuityRatesHQ carrier research, June 2026
About Midland National
Midland National was founded in 1906 as Dakota Mutual Life Insurance Company and was renamed Midland National in 1925.
June 2026 · AnnuityRatesHQ carrier research, June 2026
The company is headquartered in Sioux Falls, South Dakota, and is a member of Sammons Financial Group.
June 2026 · AnnuityRatesHQ carrier research, June 2026
Company disclosures describe Sammons Financial Group as employee-owned and note that Midland serves more than one million customers.
June 2026 · AnnuityRatesHQ carrier research, June 2026
Midland National offers RetireVantage and IndexBuilder for protected accumulation, IncomeVantage and Summit Edge for retirement income, and fixed annuities for guaranteed-rate planning.
Verified July 2026 · CANNEX Financial Exchanges via AdvisorWorld
Free Comparison Report
Get Midland National's current rate report
Compare Midland National's live rates, carrier ratings, and product tradeoffs against alternatives in one personalized report.
Sources
- AnnuityRatesHQ carrier research, June 2026 — June 2026
- Live A.M. Best rating: CANNEX Financial Exchanges via AdvisorWorld — Verified July 2026 (live rating check)
- Live product catalog, product detail, rates, riders, and strategy metrics: CANNEX Financial Exchanges via AdvisorWorld — Verified July 2026