Registered index-linked annuity · SEC-registered · defined downside design
Oak Elite ADV
Issued by Midland National Life Insurance Company
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 |
|---|---|---|---|---|
| S&P 500 | ||||
| 1-yearPoint-to-point | 18% cap Segment detailsMinimum cap: 5%Minimum participation: 100%Minimum buffer: 10%90% participation Segment detailsMinimum participation: 10%Minimum buffer: 10% | 14.5% cap Segment detailsMinimum cap: 2.5%Minimum participation: 100%Maximum floor: -10% | — | — |
| 3-yearPoint-to-point | Not published Segment detailsMinimum cap: 5%Minimum participation: 100%Minimum buffer: 10% | 35% cap Segment detailsMinimum cap: 2.5%Minimum participation: 100%Maximum floor: -10% | — | — |
| 6-yearPoint-to-point | Not published Segment detailsMinimum cap: 5%Minimum participation: 100%Minimum buffer: 10%110% participation Segment detailsMinimum participation: 10%Minimum buffer: 10% | — | Not published Segment detailsMinimum cap: 10%Minimum participation: 100%Minimum buffer: 20%105% participation Segment detailsMinimum participation: 10%Minimum buffer: 20% | 250% cap Segment detailsMinimum cap: 7.5%Minimum participation: 100%Minimum buffer: 30%100% participation Segment detailsMinimum participation: 10%Minimum buffer: 30% |
| MSCI EAFE | ||||
| 1-yearPoint-to-point | 25% cap Segment detailsMinimum cap: 5%Minimum participation: 100%Minimum buffer: 10%95% participation Segment detailsMinimum participation: 10%Minimum buffer: 10% | — | — | — |
| 6-yearPoint-to-point | Not published Segment detailsMinimum cap: 5%Minimum participation: 100%Minimum buffer: 10%140% participation Segment detailsMinimum participation: 10%Minimum buffer: 10% | — | — | — |
| Dimensional US Equity Core Plus Excess Return | ||||
| 1-yearPoint-to-point | Not published Segment detailsMinimum cap: 5%Minimum participation: 100%Minimum buffer: 10% | — | — | — |
| 6-yearPoint-to-point | Not published Segment detailsMinimum cap: 5%Minimum participation: 100%Minimum buffer: 10%195% participation Segment detailsMinimum participation: 10%Minimum buffer: 10% | — | Not published Segment detailsMinimum cap: 5%Minimum participation: 100%Minimum buffer: 20%175% participation Segment detailsMinimum participation: 10%Minimum buffer: 20% | Not published Segment detailsMinimum cap: 5%Minimum participation: 100%Minimum buffer: 30%160% participation Segment detailsMinimum participation: 10%Minimum buffer: 30% |
Showing 22 of 22 indexed 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.
Open “Segment details” in the matrix to see the contractual minimum attached to that exact row.
Getting money out
No surrender charge
Analyst notes
Where it stands out
- The advisory contract publishes indexed choices tied to domestic and international market measures.
- Buffer and floor designs remain separate in the matrix so their different loss rules are visible.
- The selected advisory contract publishes no surrender charge 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.
- Contract-level administrative and mortality-and-expense charges are published separately from the segment terms and appear in the contract ledger.
- The availability grid is contract-specific and excludes eight published jurisdictions from this version.
Expanded contract facts
Contract details beyond the headline rate
Key facts published in the versioned CANNEX contract ledger. Gaps are labeled, not guessed.
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 Insurance Company
SEC CIK0000909759
File numbers333-262702
Open filings on EDGAR ↗RegistrantMidland National Life Insurance Co RILA
SEC CIK0002040519
File numbers333-282591
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
45 published jurisdictions. Not available in California, Missouri, New York, Oregon, Puerto Rico, the U.S. Virgin Islands, Vermont, or Virginia.