Registered index-linked annuity · SEC-registered · defined downside design
LiveWell Dynamic Annuity
Issued by Midland National Life Insurance Company
AM Best A+Can lose value
Segment terms1-year · 3-year · 6-year
Downside choices10% buffer · 10% floor · 20% buffer · 30% buffer · 40% buffer
FeeNot published
Surrender period6 yrs
Free withdrawal10%from year 2; first-year RMD only
Issue ages0–85 (annuitant and owner) · age limits based on the older person
Available jurisdictions47published in the feed
Market value adj.None
Headline segment · S&P 500 Index · 1-year · 10% buffer16.5% cap · 10% buffer
The upside term is shown with its index, term, downside rule, and fee status. This indexed segment can lose value.
The buffer absorbs the first 10% of segment loss; losses beyond it can still apply. This is not an FIA.Every segment, by index and downside design
Read across a row to compare the upside term under each published downside design. Current rates for the selected state and $100,000 premium; every percentage identifies what it is.
Strategy fee is not published; outcome figures are suppressed unless another published fee applies.
Swipe horizontally to compare every protection level.
| Index · term | 10% buffer | 10% floor | 20% buffer | 30% buffer | 40% buffer |
|---|---|---|---|---|---|
| S&P 500 | |||||
| 1-yearPoint-to-point | 16.5% cap Segment detailsMinimum cap: 5%Minimum participation: 100%Minimum buffer: 10% | 12.5% cap Segment detailsMinimum cap: 2.5%Minimum participation: 100%Maximum floor: -10% | — | 9% cap Segment detailsMinimum cap: 5%Minimum participation: 100%Minimum buffer: 30% | — |
| 1-yearPerformance trigger | — | — | 9.5% trigger rate Segment detailsMinimum trigger rate: 3%Minimum participation: 100%Minimum buffer: 20% | — | — |
| 1-yearDual Direction | — | — | 7% trigger rate Segment detailsMinimum trigger rate: 2%Minimum participation: 100%Minimum buffer: 20% | — | — |
| 3-yearPoint-to-point | 65% cap Segment detailsMinimum cap: 5%Minimum participation: 100%Minimum buffer: 10% | — | — | — | — |
| 6-yearPoint-to-point | 103% participation Segment detailsMinimum participation: 10%Minimum buffer: 10% | 50% cap Segment detailsMinimum cap: 5%Minimum participation: 100%Maximum floor: -10% | 90% cap Segment detailsMinimum cap: 5%Minimum participation: 100%Minimum buffer: 20% | 65% cap Segment detailsMinimum cap: 5%Minimum participation: 100%Minimum buffer: 30% | — |
| S&P 500 35% Edge Volatility 1% Decrement Index (USD) ER | |||||
| 1-yearPoint-to-point | — | — | — | 15% cap Segment detailsMinimum cap: 5%Minimum participation: 100%Minimum buffer: 30% | — |
| 1-yearPerformance trigger | — | — | 15% trigger rate Segment detailsMinimum trigger rate: 3%Minimum participation: 100%Minimum buffer: 20% | — | — |
| 1-yearDual Direction | — | — | 10% trigger rate Segment detailsMinimum trigger rate: 2%Minimum participation: 100%Minimum buffer: 20% | — | — |
| 6-yearPoint-to-point | 130% participation Segment detailsMinimum participation: 10%Minimum buffer: 10% | — | 115% participation Segment detailsMinimum participation: 10%Minimum buffer: 20% | — | — |
| Nasdaq-100 Max 30 | |||||
| 1-yearPoint-to-point | 35% cap Segment detailsMinimum cap: 5%Minimum participation: 100%Minimum buffer: 10% | — | — | 12% cap Segment detailsMinimum cap: 5%Minimum participation: 100%Minimum buffer: 30% | — |
| 1-yearPerformance trigger | — | — | 12.5% trigger rate Segment detailsMinimum trigger rate: 3%Minimum participation: 100%Minimum buffer: 20% | — | — |
| 1-yearDual Direction | — | — | 9% trigger rate Segment detailsMinimum trigger rate: 2%Minimum participation: 100%Minimum buffer: 20% | — | — |
| 6-yearPoint-to-point | 125% participation Segment detailsMinimum participation: 10%Minimum buffer: 10% | — | 105% participation Segment detailsMinimum participation: 10%Minimum buffer: 20% | 250% cap Segment detailsMinimum cap: 5%Minimum participation: 100%Minimum buffer: 30% | 125% cap Segment detailsMinimum cap: 5%Minimum participation: 100%Minimum buffer: 40% |
| Invesco QQQ Trust Series 1 | |||||
| 1-yearPoint-to-point | 20.5% cap Segment detailsMinimum cap: 5%Minimum participation: 100%Minimum buffer: 10% | — | — | 10% cap Segment detailsMinimum cap: 5%Minimum participation: 100%Minimum buffer: 30% | — |
| 1-yearPerformance trigger | — | — | 10.5% trigger rate Segment detailsMinimum trigger rate: 3%Minimum participation: 100%Minimum buffer: 20% | — | — |
| 1-yearDual Direction | — | — | 7.5% trigger rate Segment detailsMinimum trigger rate: 2%Minimum participation: 100%Minimum buffer: 20% | — | — |
| 6-yearPoint-to-point | 110% cap Segment detailsMinimum cap: 5%Minimum participation: 100%Minimum buffer: 10% | — | 95% cap Segment detailsMinimum cap: 5%Minimum participation: 100%Minimum buffer: 20% | 75% cap Segment detailsMinimum cap: 5%Minimum participation: 100%Minimum buffer: 30% | 60% cap Segment detailsMinimum cap: 5%Minimum participation: 100%Minimum buffer: 40% |
| MSCI EAFE | |||||
| 1-yearPoint-to-point | 21% cap Segment detailsMinimum cap: 5%Minimum participation: 100%Minimum buffer: 10% | — | — | — | — |
| Russell 2000 | |||||
| 1-yearPoint-to-point | 23.75% cap Segment detailsMinimum cap: 5%Minimum participation: 100%Minimum buffer: 10% | — | — | — | — |
Showing 33 of 33 indexed segments.
Menu combined from 2 published rate instances (25 + 8 segments).
Outcome simulator unavailable
The current feed does not publish a strategy fee for every eligible segment. No zero fee is assumed, so outcome figures are suppressed.
What the carrier can change at renewal
Upside rates and downside-protection terms are declared for each segment. These are the contractual minimums published with the live rows.
Dual Direction · 1-year100%Minimum participation rate
Dual Direction · 1-year2%Minimum trigger rate
Performance trigger · 1-year100%Minimum participation rate
Performance trigger · 1-year3%Minimum trigger rate
Point-to-point · 1-year2.5%Minimum cap
Point-to-point · 1-year100%Minimum participation rate
Point-to-point · 3-year5%Minimum cap
Point-to-point · 3-year100%Minimum participation rate
Point-to-point · 6-year5%Minimum cap
Point-to-point · 6-year10%Minimum participation rate
Minimum published buffer10%Lowest value across the published segment limits
Open “Segment details” in the matrix to see the contractual minimum attached to that exact row.
Getting money out
Surrender charge · full schedule
Year 18%
Year 27%
Year 36%
Year 45%
Year 54%
Year 63%
After0%
Free withdrawal from year 210%First-year free withdrawals are limited to the applicable RMD. Beginning in year 2, the published percentage applies to remaining premium still subject to surrender charges, or the RMD if greater.
Systematic withdrawalsAvailable
Nursing-home / terminal-illness waiverNot published
BailoutAvailable
Return of premiumNot available
Death benefitReturn of Premium DBDeath-benefit ROP under the contract terms; separate from surrender ROP, which is not available
Analyst notes
Where it stands out
- The current indexed menu spans several published market measures and keeps point-to-point, performance-trigger, and observation-based mechanics separate.
- Published indexed choices use both buffer and floor downside designs, which are shown as distinct contract mechanics.
- The selected contract publishes a six-year surrender-charge schedule, a free-withdrawal provision beginning in the second contract year with first-year withdrawals limited to applicable RMDs, and no market value adjustment.
- Single-life, joint-life, and certain-period annuitization choices are published in the contract ledger.
What to confirm
- Every indexed segment can lose value; a buffer absorbs only the first stated portion of a loss, while a floor limits the segment loss to its stated amount.
- The current feed does not publish strategy fees on these rows, so no fee-free outcome is calculated.
- Withdrawals beyond the published free amount can incur the full surrender-charge schedule shown in the liquidity section.
- The availability grid is contract-specific and excludes six published jurisdictions from this version.
Best fitBuyers who accept market-linked losses, can compare the exact upside and downside terms for each segment, and can hold through the surrender period.
Not ideal forBuyers who need a loss-free indexed segment, unrestricted liquidity, or a fee-net outcome when the applicable strategy fee is not published.
Expanded contract facts
Contract details beyond the headline rate
Key facts published in the versioned CANNEX contract ledger. Gaps are labeled, not guessed.
Contract ledger statusAvailable · version 2.0
Product familyRILA
Share classesNot published
PremiumNot published in feed
Issue ages0–85 (annuitant and owner) · age limits based on the older person
Joint age rulesannuitant: minimum age uses the younger person, maximum age uses the older person, maximum age difference not published · owner: minimum age uses the younger person, maximum age uses the older person, maximum age difference not published
Funding typesNon-qualified · Qualified
Annuitant typesJoint · Single
OwnershipCorporation · Joint · Single · Trust
Joint contractAvailable
Free-look periodAvailable
Annuitization maximum age115 years
Annuitization optionsCertain period · Joint life · Single life
Profile feesMortality and expense · Current · tier 1 1.15% · daily
Premium bonusNot published
Systematic withdrawalsYes
Minimum-withdrawals rule appliesYes
BailoutYes
Market value adjustmentNone
Return of premiumNot available
Free-withdrawal tiersTier 1: 10% · Available
CDSC schedule6 years · applies to the selected contract
Surrender ledger statusAvailable
Contract sourceCANNEXNormalized public contract facts; source XML and internal identifiers are not displayed.
Source vintagefreshObserved Sep 18, 2026 · generated Sep 20, 2026
Income rider optionsNone published — accumulation only
Death benefitReturn of Premium DBDeath-benefit ROP under the contract terms; separate from surrender ROP, which is not available
Contract open dateNot published in feed
Source and vintage: normalized public product facts from CANNEX, observed Sep 18, 2026. Raw licensed XML and internal identifiers are not included. Terms can vary by state, premium, age, share class, and contract version; confirm the current carrier contract and illustration before purchase.
Prospectus and SEC filings
A RILA is a registered security. The prospectus governs interim value, performance lock, death benefit, and fees.
RegistrantMidland National Life Separate Account C
SEC CIK0000906564
File numbers333-255058
Open filings on EDGAR ↗RegistrantMidland National Life Insurance Co RILA
SEC CIK0002040519
File numbers333-283566
Open filings on EDGAR ↗No verified carrier document link is published in the product feed. Rate-sheet supplements will appear only after their product and carrier match is verified.
State availability
47 published jurisdictions. Not available in Missouri, New York, Oregon, Puerto Rico, the U.S. Virgin Islands, or Vermont.
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Rates are sourced from CANNEX via AdvisorWorld and updated daily. Rates vary by state, premium band, and issue age. A registered index-linked annuity can lose value; a buffer, floor, or downside-participation rule limits specified losses but does not guarantee principal or surrender value. Upside rates and downside-protection terms can change on new segments. Educational only — not advice, a quote, or a carrier-approved illustration. Guarantees are backed by the issuing carrier’s claims-paying ability and are not FDIC-insured.