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Fixed Indexed Annuity

MNL Endeavor 8

Midland National

9.25%

Best Cap

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 29, 2026, based on the latest AdvisorWorld scan of CANNEX data.

S&P 500 annual point-to-point cap

9.25% cap on S&P 500

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.

1-year termAdvisorWorld + CANNEX data

Best fit

Buyers with a mid-tier deposit to commit for nearly a decade who want fixed-indexed accumulation potential from a top-rated carrier, are comfortable comparing across both a recognizable S&P 500 cap and proprietary participation-rate strategies, and don't need a lifetime-income rider.

AM Best

A+ Superior

Surrender period

8 years

Free withdrawal

10%/yr

Availability

50 jurisdictions (excl. New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

9.25% cap rate

Rate varies by premium band.

S&P 500

S&P 500 Index

2.75% cap rate

Rate varies by premium band.

S&P 500

S&P 500 Index

100% participation rate + 10.5% declared rate

Rate varies by premium band.

S&P 500

S&P 500 Index

45% participation rate

Rate varies by premium band.

S&P 500

S&P 500 Index

100% participation rate + 1.6% spread

Rate varies by premium band.

Nasdaq-100

Nasdaq-100 Index

2.9% cap rate

Rate varies by premium band.

Fixed Account

Fixed Account

4.4% declared rate

Rate varies by premium band.

+ 7 volatility-controlled index options (S&P MARC, Fidelity Multifactor, S&P 500...)

Product analyst notes

How to think about this contract

Why it can stand out

  • Eight-year surrender chassis is a middle-ground commitment — longer than the short-surrender accumulation FIAs but shorter than the ten-year income-led chassis common in the category, which fits a buyer who can defer for nearly a decade but does not want a full decade lockup.
  • A-plus rated carrier (A.M. Best) — Midland National is one of the larger fixed-annuity writers in the U.S.
  • Crediting menu pairs a recognizable S&P 500 annual point-to-point cap with participation-rate strategies on proprietary volatility-controlled indexes — buyers can hold both a like-for-like cap and a higher-participation alternative inside one contract.
  • Annual penalty-free withdrawal allowance plus nursing-home and RMD surrender-charge waivers — meaningful liquidity for an FIA chassis.

What to confirm

  • There is no income rider on this contract — Endeavor 8 is an accumulation product, not an income product. Buyers planning around lifetime income need to look at Midland's income-rider-bearing filings (Capital Income, IncomeVantage Pro, Summit Edge series) instead.
  • The strategy menu contains monthly-sum cap rows alongside the annual point-to-point cap — those are structurally different (a monthly-sum cap can credit zero or negative in a volatile year even when the headline cap number looks high). Compare on the annual cap, not the monthly-sum cap row.
  • Several index strategies use proprietary volatility-controlled indexes (S&P MARC, Fidelity Multifactor Yield, S&P 500 Low Volatility Daily Risk Control). Their participation rates look high in absolute terms but are not directly comparable to an S&P 500 cap.
  • Premium minimum is published on the live feed and reflects a mid-tier floor — this filing is positioned above the standard entry-level FIA premium floor.
  • Front-loaded surrender ladder is heaviest in the early contract years before stepping down — early-window penalties are heavier on this product than on Midland's shorter-surrender accumulation filings.
  • Market value adjustment applies on early surrender on top of the surrender-charge ladder.
  • Filed in 50 jurisdictions (every state and DC except New York) — New York residents are not on this filing.

Not ideal for

Anyone planning around lifetime income (no rider on this product), anyone shopping below the published premium minimum, anyone who may need full liquidity inside the front-loaded surrender window (surrender charge plus MVA), and New York residents (not filed there).

All crediting strategies

View rate listings (28 rows)

These are the current crediting strategy listings returned for this product. Use the filters to narrow by index, term, premium band, or rate type.

Par: 160% · 1-yr

S&P MARC 5% Excess Return

participation

8-yr surrender$75,000+

Par: 100% + Spread: 1.6% · 1-yr

S&P 500 Index

participation

8-yr surrender$75,000+

Par: 100% + Spread: 2.25% · 1-yr

S&P 500 Low Volatility Daily Risk Control 5% USD Total Return Index

participation

8-yr surrender$75,000+

Par: 100% + Spread: 0% · 1-yr

Fidelity Multifactor Yield Index 5% ER

participation

8-yr surrender$75,000+

Par: 100% + Fixed: 10.5% · 1-yr

S&P 500 Index

trigger

8-yr surrender$75,000+

Par: 45% · 1-yr

S&P 500 Index

participation

8-yr surrender$75,000+

Cap: 9.25% · 1-yr

S&P 500 Index

cap

8-yr surrender$75,000+

Cap: 7.5% · 1-yr

S&P 500 Low Volatility Daily Risk Control 5% USD Total Return Index

cap

8-yr surrender$75,000+

Fixed: 4.4% · 1-yr

Fixed Account

fixed

8-yr surrender$75,000+

Cap: 2.9% · 1-yr

Nasdaq-100 Index

Monthly Point-to-Point · monthly_sum_cap

8-yr surrender$75,000+

Cap: 2.75% · 1-yr

S&P 500 Index

Monthly Point-to-Point · monthly_sum_cap

8-yr surrender$75,000+

Par: 240% · 2-yr

S&P MARC 5% Excess Return

participation

8-yr surrender$75,000+

Par: 230% · 2-yr

Fidelity Multifactor Yield Index 5% ER

participation

8-yr surrender$75,000+

Par: 100% + Spread: 2.2% · 2-yr

S&P 500 Low Volatility Daily Risk Control 8% USD Total Return Index

participation

8-yr surrender$75,000+

Par: 160% · 1-yr

S&P MARC 5% Excess Return

$75,000+

Par: 100% + Spread: 1.6% · 1-yr

S&P 500 Index

$75,000+

Par: 100% + Spread: 2.25% · 1-yr

S&P 500 Low Volatility Daily Risk Control 5% USD Total Return Index

$75,000+

Par: 100% + Spread: 0% · 1-yr

Fidelity Multifactor Yield Index 5% ER

$75,000+

Par: 100% + Fixed: 10.5% · 1-yr

S&P 500 Index

$75,000+

Par: 45% · 1-yr

S&P 500 Index

$75,000+

Cap: 9.25% · 1-yr

S&P 500 Index

$75,000+

Cap: 7.5% · 1-yr

S&P 500 Low Volatility Daily Risk Control 5% USD Total Return Index

$75,000+

Fixed: 4.4% · 1-yr

Fixed Account

$75,000+

Cap: 2.9% · 1-yr

Nasdaq-100 Index

Monthly Point-to-Point

$75,000+

Cap: 2.75% · 1-yr

S&P 500 Index

Monthly Point-to-Point

$75,000+

Par: 240% · 2-yr

S&P MARC 5% Excess Return

$75,000+

Par: 230% · 2-yr

Fidelity Multifactor Yield Index 5% ER

$75,000+

Par: 100% + Spread: 2.2% · 2-yr

S&P 500 Low Volatility Daily Risk Control 8% USD Total Return Index

$75,000+

Income riders

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.

Key Features

Free withdrawal

10%/yr

Annual amount that may be available without surrender charges, subject to contract terms.

Surrender waivers

2

Nursing home waiver, RMD waiver

Death benefit

Standard Death Benefit

Beneficiary value depends on contract terms, withdrawals, and rider elections.

Strategy guarantee

Minimum guaranteed cap: 0.25%

Strategy guarantee

Minimum guaranteed declared rate: 0.25%

Strategy guarantee

Guaranteed minimum interest rate (fixed): 0.25%

Annuitization options

Single and joint

Contract conversion options should be confirmed before purchase.

Fund types

Non-qualified, Qualified

Availability can vary by state and product terms.

Surrender schedule

Yr 1

9%

Yr 2

8.5%

Yr 3

7.5%

Yr 4

6.5%

Yr 5

5.5%

Yr 6

4.5%

Yr 7

3.5%

Yr 8

3%

After

0%

Nursing home waiver, RMD waiver, Surrender waivers

Documents

brochure

midland-national-endeavor-8.pdf

Confidence: highReviewed Apr 6, 2026

Direct link not published — request the document from the carrier.

Carrier Ratings

AM BestA+
S&PA+
S&PA+

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

MNL Endeavor 8 currently shows 14 distinct indexed or fixed crediting choices across 28 current rate listings, including S&P 500 Index and S&P 500 Low Volatility Daily Risk Control 5% USD Total Return Index, with 4 volatility-controlled index options grouped separately. 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.

  • S&P 500 Index: 9.25% cap
  • S&P 500 Low Volatility Daily Risk Control 5% USD Total Return Index: 7.5% cap
  • S&P 500 Index: 2.75% cap

Liquidity terms

Why access rules deserve as much attention as rates

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.

  • 10%/yr free withdrawal
  • 8 surrender years
  • Nursing home waiver
  • RMD waiver

Verification note

Use carrier materials as term evidence, then confirm the current version

Carrier materials such as midland-national-endeavor-8.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.

  • Rates and rider terms can vary by state and issue age
  • Carrier guarantees depend on claims-paying ability
  • Current contract forms should be confirmed before purchase

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