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Midland National
10%
Free W/D
48
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.
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).
Best fit
Buyers with a six-figure deposit who want a multi-period guarantee structure inside an FIA chassis from a top-rated carrier and can pick between two surrender-term variants.
AM Best
A+ Superior
Surrender period
7 years
Free withdrawal
10%/yr
Availability
48 jurisdictions
Caps, participation rates, and declared rates are shown separately.
Fixed Account
Fixed Account
4.85% declared rate
Rate varies by premium band.
1-year term
$100,000+
Product analyst notes
Not ideal for
Anyone planning around lifetime income (no rider on this product), anyone shopping below the published premium minimum, anyone who needs a published cap rate to make the buying decision today (the live feed currently shows only the fixed-rate floor), anyone who may need full liquidity inside the surrender window (MVA layers on top), and residents of California, New York, or Oregon (not filed in any of those states).
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: 4.85% · 1-yr
Fixed Account
fixed
Fixed: 4.85% · 1-yr
Fixed Account
Rate not shown · 1-yr
Laddered Allocation Strategy
Laddered Allocation Strategy
Lifetime income rider not available for this product
A guaranteed-lifetime-withdrawal (GLWB) rider was not returned for this product. Some carriers offer income features through other mechanics or separate contract versions — confirm income options with the carrier before comparing lifetime income.
Annual amount that may be available without surrender charges, subject to contract terms.
Nursing home waiver, RMD waiver
Beneficiary value depends on contract terms, withdrawals, and rider elections.
Guaranteed minimum interest rate (fixed): 0.10%
Contract conversion options should be confirmed before purchase.
Availability can vary by state and product terms.
Yr 1
8%
Yr 2
7%
Yr 3
6%
Yr 4
5%
Yr 5
4%
Yr 6
3%
Yr 7
2%
After
0%
Nursing home waiver, RMD waiver, Surrender waivers
brochure
Direct link not published — request the document from the carrier.
Crediting design
Summit Laddered currently shows 2 distinct indexed or fixed crediting choices across 3 current rate listings, including Fixed Account, with 1 volatility-controlled index option 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.
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 summit laddered_compressed.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 24, 2026. For the current brochure, rate sheet, or specimen contract, confirm the state-specific version with the carrier or a licensed financial professional.
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