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What’s an annuity
Think of it as longevity insurance

An annuity represents a simple promise.
For the money you give us and the time we hold onto it, we’ll provide growth potential and, if you choose, an income stream for as long as you live.

Think of it like longevity insurance. Annuities are insurance contracts after all. The money you give us is called premium. The income we pay you back – guaranteed for life – can mean one less thing you have to worry about.

We sell a variety of fixed annuities:

  • Multi-year guarantee annuities (MYGAs) – Guarantee an interest rate and agree to the time we’ll hold your money when you open your contract.
  • Single premium immediate annuities (SPIAs) – Maximize the guaranteed income you can generate starting today.
  • Fixed index annuities (FIAs) – Our most popular type of annuity (see more below), FIAs are versatile products able to help fit a wide variety of potential needs.


See where fixed index annuities fit
Midland National offers multiple
fixed index annuity options

Relatively speaking, these are newer products – decades in existence instead of centuries. The innovation is that they’re designed to offer upside potential when the market rises without the risk of loss of premium due to market downturns.

Here’s how the features and benefits compare to other products.

And here's where they fall on the risk spectrum.


Not sure an index annuity is right for you?

Here are some common misconceptions about them and the truth of the matter.


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What’s your primary goal?

Many people will find their financial goals fall into one of the four categories below. Earlier in your career, you’re going to seek growth potential. Later on, you’re likely looking for a retirement income stream or focusing on your legacy.

If you’re finding it tough to pick a single category, don’t worry. Everyone’s situation is different. A financial professional can help you combine products to help address more complex needs and get you on your way to a happy retirement.


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