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Fixed Indexed Annuity

Accelerate 5

Midland National

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9.5%

Best S&P 500 Annual Cap

10%

Free W/D

50

Jurisdictions

Product data status: July 2, 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.

Model this product

See what Accelerate 5 would do for you

Set your numbers and switch between growth, income, and liquidity. Index losses credit 0% — the floor — so a down market never reduces your value.

Product analyzer
Illustrative — live CANNEX rates as of July 2, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$309,222
Est. value at age 80 (Accelerate 5)
9.5%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 9.5% Cap (Annual)
✦
How crediting works: the cap limits positive index returns; a down year credits 0%, never a loss. A cap strategy tracks the index within its terms. What is a cap vs participation? →
Assumptions: illustrative — applies Accelerate 5's published cap rate (9.5% on S&P 500 Index) to a standard benchmark hypothetical index path (~5.4%/yr average, including down years) with a 0% floor over 20 years. Not a projection, quote, or guarantee. Live CANNEX rates as of July 2, 2026.

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See how Accelerate 5 compares for your age, state, premium, and income goals alongside other Midland National fixed indexed annuity options.

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Live rate data

Run live numbers for Accelerate 5

Current rates, riders, crediting strategies, state availability, and contract facts stay scoped to this Midland National product.

Live product data

Rates as of July 2, 2026, based on the latest AdvisorWorld scan of CANNEX data.

S&P 500 annual point-to-point cap

9.5% cap on S&P 500

A short-surrender (five-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 — no income rider attached.

1-year termAdvisorWorld + CANNEX data

Best fit

Buyers who want fixed-indexed accumulation potential without committing to the usual 7-to-10-year FIA surrender chassis, are comfortable holding both a recognizable index cap and proprietary participation-rate strategies, and don't need a lifetime-income rider.

AM Best

A+ Superior

Surrender period

5 years

Free withdrawal

10%/yr

Availability

50 jurisdictions (excl. New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

9.5% cap rate

Annual cap

1-year term · 5-year surrender · Premium band not shown

Fixed Account

Fixed Account

4.65% declared rate

Fixed account

1-year term · 5-year surrender · Premium band not shown

+ 8 additional crediting options (S&P MARC, Fidelity Multifactor, S&P 500...)

Product analyst notes

How to think about this contract

Why it can stand out

  • Short 5-year surrender period is unusually short for an FIA — most accumulation-led FIAs run 7 to 10 years, so this filing fits a buyer who is not willing to lock up money for the longer chassis the category usually demands.
  • A-plus rated carrier (A.M. Best) — Midland National is one of the larger, longer-tenured fixed-annuity writers in the U.S.
  • Crediting menu mixes a recognizable S&P 500 annual point-to-point cap with participation-rate strategies on proprietary volatility-controlled indexes, so buyers can hold both a like-for-like and a higher-participation alternative inside one contract.
  • Annual penalty-free withdrawal allowance is preserved across the full surrender window — meaningful liquidity for an FIA.

What to confirm

  • There is no income rider on this contract — Accelerate 5 is an accumulation product, not an income product. Buyers planning around lifetime income need to look at one of Midland's income-rider-bearing filings (Capital Income, IncomeVantage Pro, Summit Edge series) instead.
  • Several 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 — evaluate each strategy on its own historical behavior.
  • Some strategies are fee-bearing variants — the published rate on those is gross of the strategy fee, so the buyer's net credit is lower than the cap or participation rate the row advertises. Confirm which variant you are buying before comparing rates head-to-head.
  • Market value adjustment applies on early surrender on top of the surrender-charge schedule, and the nursing-home waiver is the only penalty waiver in the contract — RMD and terminal-illness waivers are not in the published filing.
  • 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 who needs an RMD or terminal-illness surrender waiver, anyone who may need full liquidity beyond the annual free-withdrawal allowance inside the 5-year window (MVA layers on top of the surrender charge), and New York residents (not filed there).

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See how Accelerate 5 compares for your age, state, premium, and income goals alongside other Midland National fixed indexed annuity options.

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All crediting strategies

View rate listings (10 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: 235% · 1-yr

S&P MARC 5% Excess Return

Enhanced Participation Rate · participation

5-yr surrender

Par: 230% · 1-yr

Fidelity Multifactor Yield Index 5% ER

Enhanced Participation Rate · participation

5-yr surrender

Par: 190% · 1-yr

S&P MARC 5% Excess Return

participation

5-yr surrender

Par: 180% · 1-yr

Fidelity Multifactor Yield Index 5% ER

participation

5-yr surrender

Par: 105% · 1-yr

Nasdaq-100 Volatility Control 12% Index

Enhanced Participation Rate · participation

5-yr surrender

Par: 90% · 1-yr

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

Enhanced Participation Rate · participation

5-yr surrender

Par: 80% · 1-yr

Nasdaq-100 Volatility Control 12% Index

participation

5-yr surrender

Par: 70% · 1-yr

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

participation

5-yr surrender

Cap: 9.5% · 1-yr

S&P 500 Index

cap

5-yr surrender

Fixed: 4.65% · 1-yr

Fixed Account

fixed

5-yr surrender

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.

Common questions about Accelerate 5

● Can I lose money in Accelerate 5?

A negative index return by itself does not reduce the contract's account value: Accelerate 5 credits 0% — the floor — for that indexed period. The account value can still decrease from applicable rider fees, Performance Rate Rider or other strategy charges, administrative charges, withdrawals, surrender charges, or other contract-specific deductions. In years with no credited interest, those deductions can reduce the account value. Up to 10% of your value can be withdrawn each year without a charge; withdrawals above the penalty-free amount during the surrender period can incur a surrender charge.

● When can I access my money without a surrender charge?

Up to 10% of your account value each year is penalty-free. The surrender period runs 5 years; after that you reach full liquidity. The Liquidity tab of the analyzer shows the year-by-year surrender charge.

● How do Accelerate 5's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current Accelerate 5 strategy on the same premium, age, years, and hypothetical index path. The control labels the strategy type, rate, index, and context so caps, participation rates, triggers, spreads, and fixed-account choices are not treated as interchangeable.

Key Features

Free withdrawal

10%/yr

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

Surrender waivers

1

Nursing home waiver

Death benefit

Standard Death Benefit

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

Cap-rate floor

0.50%

Minimum guaranteed cap for cap-based indexed strategies.

Fixed account guarantee

0.25%

Guaranteed minimum interest rate for the fixed account.

Participation-rate floor

0.00%

Minimum guaranteed participation rate for participation-rate indexed strategies.

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%

Yr 3

7%

Yr 4

6%

Yr 5

5%

After

0%

Nursing home waiver, Surrender waivers

Documents

product guide

MNL Accelerate 5 Brochure.pdf

Confidence: highReviewed Apr 14, 2026

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

product guide

Accelerate 5 brochure pdf.pdf

Confidence: highReviewed Apr 14, 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

Accelerate 5 currently shows 10 distinct indexed or fixed crediting choices across 13 current rate listings, including S&P 500 Index and Fixed Account, with 8 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, renewal terms, and fee-bearing rider variants are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 9.5% annual cap
  • Fixed Account: 4.65% fixed account rate

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
  • 5 surrender years
  • Nursing home waiver

Verification note

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

Carrier materials such as MNL Accelerate 5 Brochure.pdf and Accelerate 5 brochure pdf.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.

  • 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

Free Comparison Report

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See how Accelerate 5 compares for your age, state, premium, and income goals alongside other Midland National fixed indexed annuity options.

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