Annuity rate data updated daily
Rate data refreshes daily from AdvisorWorld and CANNEX carrier feeds. View current rates
Midland National
10%
Free W/D
50
Jurisdictions
Product data status: May 29, 2026
Rates, state availability, rider terms, and contract language must be confirmed with a licensed financial advisor or insurance professional before purchase. Guarantees are backed by the issuing insurer.
Live product data
Rates as of May 28, 2026, based on the latest AdvisorWorld scan of CANNEX data.
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.
Best fit
Buyers being offered the fee-based / advisory variant of an FIA inside an advisory account, who want the choice between two surrender-term variants and are willing to confirm current declared caps directly with the carrier.
AM Best
A+ Superior
Surrender period
7 years
Free withdrawal
10%/yr
Availability
50 jurisdictions (excl. New York)
Caps, participation rates, and declared rates are shown separately.
Fixed Account
Fixed Account
5.25% declared rate
5-year term
Premium band not shown
Fixed Account
Fixed Account
5.3% declared rate
7-year term
Premium band not shown
Product analyst notes
Not ideal for
Anyone planning around lifetime income (no rider on this product), anyone who needs a published cap rate to make the buying decision today (the live feed is currently showing only the fixed-rate floor), and New York residents (not filed there).
These are the current crediting strategy listings returned for this product. Use the filters to narrow by index, term, premium band, or rate type.
Fixed: 5.25% · 5-yr
Fixed Account
fixed
Fixed: 5.3% · 7-yr
Fixed Account
fixed
Fixed: 5.25% · 5-yr
Fixed Account
Fixed: 5.3% · 7-yr
Fixed Account
Accumulation-focused — no income rider
This contract is designed for tax-deferred accumulation, not guaranteed lifetime income. No GLWB rider was returned because none is part of the contract design — compare against other accumulation FIAs on cap, participation rate, and surrender terms rather than lifetime income.
Annual amount that may be available without surrender charges, subject to contract terms.
Nursing home waiver
Beneficiary value depends on contract terms, withdrawals, and rider elections.
Guaranteed minimum interest rate (fixed): 0.25%
Contract conversion options should be confirmed before purchase.
Availability can vary by state and product terms.
Yr 1
6%
Yr 2
6%
Yr 3
5%
Yr 4
4%
Yr 5
3%
Yr 6
3%
Yr 7
2%
After
0%
Nursing home waiver, Surrender waivers
product guide
Direct link not published — request the document from the carrier.
Crediting design
IndexMax ADV currently shows 2 distinct indexed or fixed crediting choices across 4 current rate listings, including Fixed Account. These choices matter because caps, participation rates, fixed accounts, spreads, and renewal terms are different mechanics and should not be ranked as one simple rate list.
Liquidity terms
A fixed indexed annuity can preserve more control than an income-only contract, but access is still governed by the surrender schedule, free-withdrawal terms, and waiver language. Those details are where many product comparisons become more meaningful than a simple rate list.
Verification note
Carrier materials such as 32760Y - IndexMax ADV quick reference guide.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 8, 2026. For the current brochure, rate sheet, or specimen contract, confirm the state-specific version with the carrier or a licensed financial professional.
Free Comparison Report
See year-by-year projections for your specific age, premium, and income goals.