Fixed Indexed Annuity

MNL Endeavor 8

Midland National

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9.6%

Best S&P 500 Annual Cap

10%

Free W/D

Available jurisdictions

Product data status: August 12, 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 MNL Endeavor 8 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 August 12, 2026; not a projection or guarantee.

Premium$100,000

Your age60

Crediting strategy

Compare against

$309,787

Est. value at age 80 (MNL Endeavor 8)

9.6%

Best S&P 500 1-yr point-to-point cap

S&P 500 Index — 9.6% 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 MNL Endeavor 8's published cap rate (9.6% 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 August 12, 2026.

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See how MNL Endeavor 8 compares for your age, state, premium, and income goals alongside other Midland National fixed indexed annuity options.

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rate data

Run numbers for MNL Endeavor 8

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

Live product data

Rates as of August 12, 2026, from AdvisorWorld and CANNEX.

S&P 500 annual point-to-point cap

9.6% 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 term8-year surrender$75,000+AdvisorWorld + 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)

Minimum premium

$20,000

Featured crediting strategies

Caps, participation rates, and declared rates are shown separately.

Index / strategyRate mechanicsCreditingSurrenderPremium

S&P 500

S&P 500 Index

9.6% cap rate

Annual cap

1-year term · 8-year surrender · $75,000+

Rate varies by premium band.

1-year term

8-year surrender

$75,000+

S&P 500

S&P 500 Index

Monthly Point-to-Point · monthly sum cap

3.2% cap rate

Monthly cap

1-year term · 8-year surrender · $75,000+

Rate varies by premium band.

1-year term

8-year surrender

$75,000+

S&P 500

S&P 500 Index

10.5% trigger rate

Performance trigger

1-year term · 8-year surrender · $75,000+

Rate varies by premium band.

1-year term

8-year surrender

$75,000+

S&P 500

S&P 500 Index

45% participation rate

Participation

1-year term · 8-year surrender · $75,000+

Rate varies by premium band.

1-year term

8-year surrender

$75,000+

S&P 500

S&P 500 Index

100% participation rate + 1.4% spread

Participation

1-year term · 8-year surrender · $75,000+

Rate varies by premium band.

1-year term

8-year surrender

$75,000+

Nasdaq-100

Nasdaq-100 Index

Monthly Point-to-Point · monthly sum cap

3.25% cap rate

Monthly cap

1-year term · 8-year surrender · $75,000+

Rate varies by premium band.

1-year term

8-year surrender

$75,000+

Fixed Account

4.65% declared rate

Fixed account

1-year term · 8-year surrender · $75,000+

Rate varies by premium band.

1-year term

8-year surrender

$75,000+

+ 13 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

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 options 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 option.
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 contract 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 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 front-loaded surrender window (surrender charge plus MVA), and New York residents (not filed there).

Free Comparison Report

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See how MNL Endeavor 8 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 (27 strategies)

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

Par: 185% · 1-yr

S&P MARC 5% Excess Return

participation

8-yr surrender$75,000+

Par: 100% + Spread: 1.4% · 1-yr

S&P 500 Index

participation

8-yr surrender$75,000+

Par: 100% + Spread: 1.25% · 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: 45% · 1-yr

S&P 500 Index

participation

8-yr surrender$75,000+

Trigger: 10.5% · 1-yr

S&P 500 Index

trigger

8-yr surrender$75,000+

Cap: 9.6% · 1-yr

S&P 500 Index

cap

8-yr surrender$75,000+

Cap: 8% · 1-yr

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

cap

8-yr surrender$75,000+

Fixed: 4.65% · 1-yr

Fixed Account

fixed

8-yr surrender$75,000+

Cap: 3.25% · 1-yr

Nasdaq-100 Index

Monthly Point-to-Point · monthly_sum_cap

8-yr surrender$75,000+

Cap: 3.2% · 1-yr

S&P 500 Index

Monthly Point-to-Point · monthly_sum_cap

8-yr surrender$75,000+

Par: 265% · 2-yr

S&P MARC 5% Excess Return

participation

8-yr surrender$75,000+

Par: 250% · 2-yr

Fidelity Multifactor Yield Index 5% ER

participation

8-yr surrender$75,000+

Par: 100% + Spread: 3% · 2-yr

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

participation

8-yr surrender$75,000+

Par: 170% · 1-yr

S&P MARC 5% Excess Return

participation