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Fixed Indexed Annuity

MNL RetireVantage 10

Midland National

10.25%

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

10.25% cap on S&P 500

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.

1-year termAdvisorWorld + CANNEX data

Best fit

Buyers committing to a decade-long deferral who want fixed-indexed accumulation potential from a top-rated carrier, value a strong recognizable-index cap as the headline crediting story, and don't need a lifetime-income rider.

AM Best

A+ Superior

Surrender period

10 years

Free withdrawal

10%/yr

Availability

50 jurisdictions (excl. New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

2.8% cap rate

Rate varies by premium band.

S&P 500

S&P 500 Index

10.25% cap rate

Rate varies by premium band.

S&P 500

S&P 500 Index

100% participation rate + 11% declared rate

Rate varies by premium band.

S&P 500

S&P 500 Index

50% participation rate

Rate varies by premium band.

S&P 500

S&P 500 Index

55% participation rate

Rate varies by premium band.

Fixed Account

Fixed Account

4.5% declared rate

Rate varies by premium band.

+ 12 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

  • Headline S&P 500 cap on this contract is one of the higher in Midland's lineup — RetireVantage trades surrender length for crediting strength relative to the bonus or shorter-surrender filings.
  • 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 multiple proprietary indexes, so the buyer can hold both a like-for-like and a higher-participation alternative inside one contract.
  • Ten-year surrender chassis is the standard accumulation-FIA deferral length.
  • 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 — RetireVantage 10 is an accumulation product, not an income product. Buyers planning around lifetime income should look at Capital Income, IncomeVantage Pro, or the Summit Edge series instead.
  • Several strategies are fee-bearing variants and the menu contains a monthly-sum cap row — those rates are not directly comparable to the clean S&P 500 annual cap. Confirm which variant you are buying before comparing rates head-to-head.
  • Premium minimum is published on the live feed and reflects a mid-tier floor — positioned above entry-level FIA premium minimums.
  • Some index strategies use proprietary volatility-controlled indexes (S&P MARC, Fidelity Multifactor Yield, S&P 500 Dynamic Intraday TCA, Nasdaq-100 Volatility Control). Their participation rates look high in absolute terms but are not directly comparable to an S&P 500 cap.
  • Market value adjustment applies on early surrender on top of the surrender-charge ladder, which runs the full ten-year window.
  • Filed in 50 jurisdictions (every state and DC except New York) — New York residents are not on this filing.
  • Death benefit is the cash surrender value — no enhanced or step-up death benefit on this contract.

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 ten-year surrender window (MVA layers on top), and New York residents (not filed there).

All crediting strategies

View rate listings (36 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: 205% · 1-yr

S&P MARC 5% Excess Return

Strategy Fee Included · participation

10-yr surrender$75,000+

Par: 200% · 1-yr

Fidelity Multifactor Yield Index 5% ER

Strategy Fee Included · participation

10-yr surrender$75,000+

Par: 165% · 1-yr

S&P MARC 5% Excess Return

participation

10-yr surrender$75,000+

Par: 160% · 1-yr

Fidelity Multifactor Yield Index 5% ER

participation

10-yr surrender$75,000+

Par: 100% + Fixed: 11% · 1-yr

S&P 500 Index

trigger

10-yr surrender$75,000+

Par: 95% · 1-yr

Nasdaq-100 Volatility Control 12% Index

Strategy Fee Included · participation

10-yr surrender$75,000+

Par: 80% · 1-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

Strategy Fee Included · participation

10-yr surrender$75,000+

Par: 70% · 1-yr

Nasdaq-100 Volatility Control 12% Index

participation

10-yr surrender$75,000+

Par: 65% · 1-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

participation

10-yr surrender$75,000+

Par: 50% · 1-yr

S&P 500 Index

participation

10-yr surrender$75,000+

Cap: 10.25% · 1-yr

S&P 500 Index

cap

10-yr surrender$75,000+

Fixed: 4.5% · 1-yr

Fixed Account

fixed

10-yr surrender$75,000+

Cap: 2.8% · 1-yr

S&P 500 Index

Monthly Point-to-Point · monthly_sum_cap

10-yr surrender$75,000+

Par: 245% · 2-yr

S&P MARC 5% Excess Return

participation

10-yr surrender$75,000+

Par: 235% · 2-yr

Fidelity Multifactor Yield Index 5% ER

participation

10-yr surrender$75,000+

Par: 105% · 2-yr

Nasdaq-100 Volatility Control 12% Index

participation

10-yr surrender$75,000+

Par: 95% · 2-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

participation

10-yr surrender$75,000+

Par: 55% · 2-yr

S&P 500 Index

participation

10-yr surrender$75,000+

Par: 205% · 1-yr

S&P MARC 5% Excess Return

Strategy Fee Included

$75,000+

Par: 200% · 1-yr

Fidelity Multifactor Yield Index 5% ER

Strategy Fee Included

$75,000+

Par: 165% · 1-yr

S&P MARC 5% Excess Return

$75,000+

Par: 160% · 1-yr

Fidelity Multifactor Yield Index 5% ER

$75,000+

Par: 100% + Fixed: 11% · 1-yr

S&P 500 Index

$75,000+

Par: 95% · 1-yr

Nasdaq-100 Volatility Control 12% Index

Strategy Fee Included

$75,000+

Par: 80% · 1-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

Strategy Fee Included

$75,000+

Par: 70% · 1-yr

Nasdaq-100 Volatility Control 12% Index

$75,000+

Par: 65% · 1-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

$75,000+

Par: 50% · 1-yr

S&P 500 Index

$75,000+

Cap: 10.25% · 1-yr

S&P 500 Index

$75,000+

Fixed: 4.5% · 1-yr

Fixed Account

$75,000+

Cap: 2.8% · 1-yr

S&P 500 Index

Monthly Point-to-Point

$75,000+

Par: 245% · 2-yr

S&P MARC 5% Excess Return

$75,000+

Par: 235% · 2-yr

Fidelity Multifactor Yield Index 5% ER

$75,000+

Par: 105% · 2-yr

Nasdaq-100 Volatility Control 12% Index

$75,000+

Par: 95% · 2-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

$75,000+

Par: 55% · 2-yr

S&P 500 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

8.5%

Yr 2

8.5%

Yr 3

8%

Yr 4

7%

Yr 5

6%

Yr 6

5%

Yr 7

4%

Yr 8

3%

Yr 9

2%

Yr 10

1%

After

0%

Nursing home waiver, RMD waiver, Surrender waivers

Documents

brochure

Midland National – MNL RetireVantage® 10 Fixed Indexed Annuity – Brochure (29340Y : REV 2-24).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 RetireVantage 10 currently shows 18 distinct indexed or fixed crediting choices across 36 current rate listings, including S&P 500 Index, with 6 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: 2.8% cap
  • S&P 500 Index: 10.25% cap
  • S&P 500 Index: 100% participation

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
  • 10 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 – MNL RetireVantage® 10 Fixed Indexed Annuity – Brochure (29340Y : REV 2-24).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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