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Fixed Indexed Annuity

MNL Endeavor 8 — Midland National

Midland National

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9.6%

Best S&P 500 Annual Cap

10%

Free W/D

50

Available jurisdictions

Product data status: October 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 MNL Endeavor 8 would do for you

Set your numbers and switch between growth strategies and liquidity scenarios. Negative index performance does not produce a negative index credit. Fees, withdrawals and surrender charges can reduce contract value.

Product analyzer
Illustrative — live CANNEX rates as of October 2, 2026; not a projection or guarantee.
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 October 2, 2026.

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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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 October 2, 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

Index / strategyRate mechanics

S&P 500

S&P 500 Index

9.6% cap rate

Rate effective Jun 18, 2026

Annual point-to-point

Requested state: TX

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

S&P 500

S&P 500 Index

Monthly Point-to-Point

3.2% cap rate

Rate effective Jun 18, 2026

Monthly sum

Requested state: TX

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

S&P 500

S&P 500 Index

10.5% trigger rate

Rate effective Jun 18, 2026

Performance trigger

Requested state: TX

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

S&P 500

S&P 500 Index

45% participation rate

Rate effective Jun 18, 2026

Annual point-to-point

Requested state: TX

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

S&P 500

S&P 500 Index

100% participation rate + 1.4% spread

Rate effective Jun 18, 2026

Participation

Requested state: TX

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

Nasdaq-100

Nasdaq-100 Index

Monthly Point-to-Point

3.25% cap rate

Rate effective Jun 18, 2026

Monthly sum

Requested state: TX

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

Fixed Account

Fixed Account

4.65% declared rate

Rate effective Jun 18, 2026

Fixed account

Requested state: TX

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

+ 7 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

Get a MNL Endeavor 8 rate report

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 (28 strategies)

These listings show published strategy details and any available rates. Use the filters to narrow by index, term, premium band, or rate type.

Par: 185% · 1-yr

S&P MARC 5% Excess Return

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Jun 18, 20268-yr surrender$75,000+

Par: 185% · 1-yr

S&P MARC 5% Excess Return

Point-to-point

Requested state: TX8-yr surrender$75,000+

Par: 100% + Spread: 1.4% · 1-yr

S&P 500 Index

participation · 0% annual strategy fee

Requested state: TXRate effective Jun 18, 20268-yr surrender$75,000+

Par: 100% + Spread: 1.25% · 1-yr

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

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Jun 18, 20268-yr surrender$75,000+

Par: 100% + Spread: 0% · 1-yr

Fidelity Multifactor Yield Index 5% ER

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Jun 18, 20268-yr surrender$75,000+

Par: 100% + Spread: 1.4% · 1-yr

S&P 500 Index

participation

Requested state: TX8-yr surrender$75,000+

Par: 100% + Spread: 1.25% · 1-yr

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

Point-to-point

Requested state: TX8-yr surrender$75,000+

Par: 100% + Spread: 0% · 1-yr

Fidelity Multifactor Yield Index 5% ER

Point-to-point

Requested state: TX8-yr surrender$75,000+

Par: 45% · 1-yr

S&P 500 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Jun 18, 20268-yr surrender$75,000+

Par: 45% · 1-yr

S&P 500 Index

Point-to-point

Requested state: TX8-yr surrender$75,000+

Trigger: 10.5% · 1-yr

S&P 500 Index

trigger · 0% annual strategy fee

Requested state: TXRate effective Jun 18, 20268-yr surrender$75,000+

Trigger: 10.5% · 1-yr

S&P 500 Index

trigger

Requested state: TX8-yr surrender$75,000+

Cap: 9.6% · 1-yr

S&P 500 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Jun 18, 20268-yr surrender$75,000+

Cap: 9.6% · 1-yr

S&P 500 Index

Point-to-point

Requested state: TX8-yr surrender$75,000+

Cap: 8% · 1-yr

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

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Jun 18, 20268-yr surrender$75,000+

Cap: 8% · 1-yr

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

Point-to-point

Requested state: TX8-yr surrender$75,000+

Fixed: 4.65% · 1-yr

Fixed Account

Fixed account · 0% annual strategy fee

Requested state: TXRate effective Jun 18, 20268-yr surrender$75,000+

Fixed: 4.65% · 1-yr

Fixed Account

Fixed account

Requested state: TX8-yr surrender$75,000+

Cap: 3.25% · 1-yr

Nasdaq-100 Index

Monthly Point-to-Point · Monthly sum · 0% annual strategy fee

Requested state: TXRate effective Jun 18, 20268-yr surrender$75,000+

Cap: 3.25% · 1-yr

Nasdaq-100 Index

Monthly Point-to-Point · Monthly sum

Requested state: TX8-yr surrender$75,000+

Cap: 3.2% · 1-yr

S&P 500 Index

Monthly Point-to-Point · Monthly sum · 0% annual strategy fee

Requested state: TXRate effective Jun 18, 20268-yr surrender$75,000+

Cap: 3.2% · 1-yr

S&P 500 Index

Monthly Point-to-Point · Monthly sum

Requested state: TX8-yr surrender$75,000+

Par: 265% · 2-yr

S&P MARC 5% Excess Return

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Jun 18, 20268-yr surrender$75,000+

Par: 265% · 2-yr

S&P MARC 5% Excess Return

Point-to-point

Requested state: TX8-yr surrender$75,000+

Par: 250% · 2-yr

Fidelity Multifactor Yield Index 5% ER

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Jun 18, 20268-yr surrender$75,000+

Par: 250% · 2-yr

Fidelity Multifactor Yield Index 5% ER

Point-to-point

Requested state: TX8-yr surrender$75,000+

Par: 100% + Spread: 3% · 2-yr

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

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Jun 18, 20268-yr surrender$75,000+

Par: 100% + Spread: 3% · 2-yr

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

Point-to-point

Requested state: TX8-yr surrender$75,000+

Accumulation profile

Accumulation-focused contract

The CANNEX information identifies this product as tax-deferred accumulation. Compare cap, participation rate, fees, liquidity, and surrender terms; use a separate payout-focused contract when guaranteed payout mechanics are required.

Common questions about MNL Endeavor 8

● Can I lose money in MNL Endeavor 8?

A negative index return by itself does not reduce the contract's account value: MNL Endeavor 8 credits 0% — the floor — for that indexed period. The account value can still decrease from withdrawals, surrender charges, 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 scheduled surrender charges run 8 years; after that the surrender-charge schedule ends. Bonus vesting, market value adjustments when applicable, and other contract rules can still affect the amount available. The Liquidity tab of the analyzer shows the year-by-year surrender charge.

● How do MNL Endeavor 8's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another available MNL Endeavor 8 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

2

Nursing home waiver, RMD waiver

Death benefit

Standard Death Benefit

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

Cap-rate floor

0.25%

Minimum guaranteed cap for cap-based indexed strategies.

Declared-rate floor

0.25%

Minimum guaranteed declared rate for declared-rate or performance-trigger strategies.

Fixed account guarantee

0.25%

Guaranteed minimum interest rate for the fixed account.

Participation-rate floor

5.00%

Minimum guaranteed participation rate for participation-rate indexed strategies.

Maximum spread

25.00%

Maximum spread: 25.00%

Annuitization options

Certain period, Joint life, Single life

Published payout options from the normalized contract facts.

Fund types

Non-qualified, Qualified

Availability can vary by state and product terms.

Surrender schedule

Yr 1

9%

Yr 2

8.5%

Yr 3

7.5%

Yr 4

6.5%

Yr 5

5.5%

Yr 6

4.5%

Yr 7

3.5%

Yr 8

3%

After

0%

Nursing home waiver, RMD waiver

Documents

brochure

midland-national-endeavor-8.pdf

Confidence: highReviewed Apr 6, 2026

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

Carrier Ratings

AM BestA+
FitchA+
S&PA+

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

MNL Endeavor 8 currently shows 28 indexed or fixed crediting options, including S&P 500 Index, with 14 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: 9.6% annual cap, 0% annual strategy fee
  • S&P 500 Index: 3.2% monthly point-to-point cap, 0% annual strategy fee
  • S&P 500 Index: 9.6% annual cap
  • S&P 500 Index: 3.2% monthly point-to-point cap

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
  • 8 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-endeavor-8.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

Free Comparison Report

Get a MNL Endeavor 8 rate report

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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Related Resources

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