Accelerate 5
Midland National
7%
Best Cap
10%
Free W/D
50
States
MNL Accelerate 5 is a 5-year fixed index annuity that protects your principal from market losses while giving you the chance to earn returns based on index performance. It's designed for people nearing or in retirement who want growth potential without the risk of losing money in down markets.
Free Withdrawal
10%/yr
Available In
50 states
Min Premium
$20,000
Surrender
5 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| Fidelity Multifactor Yield Index 5% ER | Annual | -- | 165% | -- |
| Nasdaq-100 Volatility Control 12% Index | Annual | -- | 85% | -- |
| S&P 500 Dynamic Intraday TCA Index (USD) ER | Annual | -- | 60% | -- |
| S&P 500 Index | Annual | 7% | 100% | -- |
| S&P MARC 5% Excess Return | Annual | -- | 165% | -- |
| Fixed Account | Daily | -- | -- | 3.8% |
Key Features
Principal Protection
0% minimum return in down marketsYour accumulation value cannot decrease due to market losses or negative index performance
Index Crediting Options
S&P MARC 5% ER, Fidelity Multifactor Yield, BlackRock ESG US 5%Choose from multiple industry-leading indices with Annual Point-to-Point crediting methods that lock in interest gains each year
Guaranteed Participation Rate
Rate guaranteed for years 1-5Your participation rate is locked in for the full 5-year surrender charge period and only changes annually after that
Tax-Deferred Growth
Tax-deferred basisYour annuity grows without owing taxes until you withdraw funds, allowing more compound growth
Penalty-Free Withdrawals
Annual access to interest earnedAfter the first year, withdraw up to the previous year's credited interest without surrender charges
Annual Reset
Interest 'locked in' each yearAny interest credited at year-end is locked in and becomes your new starting point, protecting gains and allowing recovery from market downturns
Minimum Premium
$20,000 minimumLow entry point for both qualified and non-qualified accounts
Death Benefit
Full accumulation value passes to beneficiariesBeneficiaries receive remaining accumulation value as a lump sum or installments, potentially avoiding probate delays
Highlights
Your principal is protected from market downturns while you participate in index gains in up markets
Guaranteed participation rates locked in for the full 5-year term—you know exactly what to expect each year
Tax-deferred growth means more of your money works for you before you owe taxes
Flexible access to funds with penalty-free withdrawals of credited interest each year
Surrender Schedule
Yr 1
9%
Yr 2
8%
Yr 3
7%
Yr 4
6%
Yr 5
5%
After
0%
Nursing home waiver
Best For
Pre-retirees and retirees who want market upside participation but need principal protection from losses, and who prefer predictable returns over 5 years.
Consider Alternatives If
Investors seeking immediate liquidity, those uncomfortable with 5-year surrender charges, or those needing high growth exposure without downside protection limits.
Carrier Ratings
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