Finding the right mix of growth potential and protection for your retirement assets can be a challenging balancing act. We get that. That’s why we offer fixed index annuities designed to do just that.



As opposed to taking "two steps back" when the market performs negatively, one strategy to help build confidence when faced with a bear market is to use a fixed index annuity, or FIA. While a FIA's index options are not directly invested in the market, interest credits are based on market performance.


Financial services risk spectrum

Where do FIAs fit on the risk line, as opposed to other financial services products?
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Volatility control and annual reset graph

How do FIAs "lock in" interest credits, protecting them from market downturns?
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Features of an FIA chart

How can FIAs provide protection and flexibility to set a retirement strategy?
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COVID-19 and your retirement

How is the global pandemic shaping the consumer view of financial planning?
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Although past performance is no guarantee of future results, looking at the history of the market’s performance cycles may provide a fresh perspective on the benefits of diversification.

S&P 500® lookback

Are your retirement assets prepared for a market downturn?


Bear market historical chart

What can you expect from an average bear market?


Risk assessment calculator

Are you striking the right balance?



Return to "break even" calculator

Are your retirement assets overexposed?


Impact of a sequence of returns

Could a sequence of returns deplete your savings?

The term financial professional is not intended to imply engagement in an advisory business in which compensation is not related to sales. Financial professionals that are insurance licensed will be paid a commission on the sale of an insurance product.
Fixed index annuities are not a direct investment in the stock market. They are long term insurance products with guarantees backed by the issuing company. They provide the potential for interest to be credited based in part on the performance of specific indices, without the risk of loss of premium due to market downturns or fluctuation. Although fixed index annuities guarantee no loss of premium due to market downturns, deductions from your accumulation value for additional optional benefit riders or strategy fees associated with allocations to enhanced crediting methods could exceed interest credited to the accumulation value, which would result in loss of premium. They may not be appropriate for all clients. Interest credits to a fixed index annuity will not mirror the actual performance of the relevant index.
The "S&P 500®" Index is a product of S&P Dow Jones Indices LLC or its affiliates ("SPDJI") and have been licensed for use by Midland National for Life and Health Insurance® ("the Company"). Standard & Poor's® and S&P® are registered trademarks of Standard & Poor's Financial Services LLC ("S&P"); and this trademark has been licensed for use by SPDJI and sublicensed for certain purposes by the Company. Fixed index annuities are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, or their respective affiliates and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the Indices.