Fixed Indexed Annuity

MNL RetireVantage 10

Midland National

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10.6%

Best S&P 500 Annual Cap

10%

Free W/D

Jurisdictions

Product data status: July 3, 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 RetireVantage 10 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 3, 2026; not a projection or guarantee.

Premium$100,000

Your age60

Crediting strategy

Compare against

$313,755

Est. value at age 80 (MNL RetireVantage 10)

10.6%

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

S&P 500 Index — 10.6% 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 RetireVantage 10's published cap rate (10.6% 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 July 3, 2026.

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See how MNL RetireVantage 10 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 MNL RetireVantage 10

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

Live product data

Rates as of July 3, 2026, based on the latest AdvisorWorld scan of CANNEX data.

S&P 500 annual point-to-point cap

10.6% cap on S&P 500

A ten-year accumulation-focused fixed indexed annuity from A-plus-rated Midland National with one of the higher S&P 500 caps in the carrier's lineup, a proprietary participation-rate menu, and an annual free-withdrawal allowance — mid-tier premium minimum, no income rider attached.

1-year termAdvisorWorld + CANNEX data

Best fit

Buyers committing to a decade-long deferral who want fixed-indexed accumulation potential from a top-rated carrier, value a strong recognizable-index cap as the headline crediting story, and don't need a lifetime-income rider.

AM Best

A+ Superior

Surrender period

10 years

Free withdrawal

10%/yr

Availability

50 jurisdictions (excl. New York)

Featured crediting strategies

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

Index / strategyRate mechanicsCreditingSurrenderPremium

S&P 500

S&P 500 Index

Monthly Point-to-Point · monthly sum cap

3.25% cap rate

Monthly cap

1-year term · 10-year surrender · $75,000+

Rate varies by premium band.

1-year term

10-year surrender

$75,000+

S&P 500

S&P 500 Index

10.6% cap rate

Annual cap

1-year term · 10-year surrender · $75,000+

Rate varies by premium band.

1-year term

10-year surrender

$75,000+

S&P 500

S&P 500 Index

11% trigger rate

Performance trigger

1-year term · 10-year surrender · $75,000+

Rate varies by premium band.

1-year term

10-year surrender

$75,000+

S&P 500

S&P 500 Index

50% participation rate

Participation

1-year term · 10-year surrender · $75,000+

Rate varies by premium band.

1-year term

10-year surrender

$75,000+

S&P 500

S&P 500 Index

60% participation rate

Participation

2-year term · 10-year surrender · $75,000+

Rate varies by premium band.

2-year term

10-year surrender

$75,000+

Fixed Account

4.75% declared rate

Fixed account

1-year term · 10-year surrender · $75,000+

Rate varies by premium band.

1-year term

10-year surrender

$75,000+

+ 24 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

Headline S&P 500 cap on this contract is one of the higher in Midland's lineup — RetireVantage trades surrender length for crediting strength relative to the bonus or shorter-surrender filings.
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 multiple proprietary indexes, so the buyer can hold both a like-for-like and a higher-participation alternative inside one contract.
Ten-year surrender chassis is the standard accumulation-FIA deferral length.
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 — RetireVantage 10 is an accumulation product, not an income product. Buyers planning around lifetime income should look at Capital Income, IncomeVantage Pro, or the Summit Edge series instead.
Several strategies are fee-bearing variants and the menu contains a monthly-sum cap row — those rates are not directly comparable to the clean S&P 500 annual cap. Confirm which variant you are buying before comparing rates head-to-head.
Premium minimum is published on the live feed and reflects a mid-tier floor — positioned above entry-level FIA premium minimums.
Some index 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.
Market value adjustment applies on early surrender on top of the surrender-charge ladder, which runs the full ten-year window.
Filed in 50 jurisdictions (every state and DC except New York) — New York residents are not on this filing.
Death benefit is the cash surrender value — no enhanced or step-up death benefit 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 ten-year surrender window (MVA layers on top), and New York residents (not filed there).

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See how MNL RetireVantage 10 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 (36 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: 230% · 1-yr

S&P MARC 5% Excess Return

Strategy Fee Included · participation

10-yr surrender$75,000+

Par: 220% · 1-yr

Fidelity Multifactor Yield Index 5% ER

Strategy Fee Included · participation

10-yr surrender$75,000+

Par: 190% · 1-yr

S&P MARC 5% Excess Return

participation

10-yr surrender$75,000+

Par: 180% · 1-yr

Fidelity Multifactor Yield Index 5% ER

participation

10-yr surrender$75,000+

Par: 105% · 1-yr

Nasdaq-100 Volatility Control 12% Index

Strategy Fee Included · participation

10-yr surrender$75,000+

Par: 85% · 1-yr

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

Strategy Fee Included · participation

10-yr surrender$75,000+

Par: 80% · 1-yr

Nasdaq-100 Volatility Control 12% Index

participation

10-yr surrender$75,000+

Par: 70% · 1-yr

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

participation

10-yr surrender$75,000+

Par: 50% · 1-yr

S&P 500 Index

participation

10-yr surrender$75,000+

Trigger: 11% · 1-yr

S&P 500 Index

trigger

10-yr surrender$75,000+

Cap: 10.6% · 1-yr

S&P 500 Index

cap

10-yr surrender$75,000+

Fixed: 4.75% · 1-yr

Fixed Account

fixed

10-yr surrender$75,000+

Cap: 3.25% · 1-yr

S&P 500 Index

Monthly Point-to-Point · monthly_sum_cap

10-yr surrender$75,000+

Par: 270% · 2-yr

S&P MARC 5% Excess Return

participation

10-yr surrender$75,000+

Par: 255% · 2-yr

Fidelity Multifactor Yield Index 5% ER

participation

10-yr surrender$75,000+

Par: 115% · 2-yr

Nasdaq-100 Volatility Control 12% Index

participation

10-yr surrender$75,000+

Par: 100% · 2-yr

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

participation

10-yr surrender$75,000+

Par: 60% · 2-yr

S&P 500 Index

participation

10-yr surrender$75,000+

Par: 215% · 1-yr

S&P MARC 5% Excess Return

Strategy Fee Included · participation