Midland Accelerate 5 Fixed Index Annuity – Fast-Track Growth with Flexibility
At Diversified Insurance Brokers, we evaluate annuities that deliver both performance and adaptability. The Midland Accelerate 5 Fixed Index Annuity, issued by Midland National insurance company, is engineered to accelerate accumulation through enhanced crediting for the first five years while providing indexed growth and protection.
Ensure you are receiving the absolute top rates
Current Fixed Annuity Rates
Compare today’s best fixed annuity rates from top carriers.
Current Bonus Annuity Rates
See which annuities offer the highest upfront bonus today.
Request an Annuity Quote
Submit our annuity request form to get personalized rate options.
Lifetime Income Calculator
Use our calculator to see how much guaranteed income your annuity can provide.
Highlights of this FIA include:
-
Enhanced rate booster during the initial 5‑year period
-
Access to various index strategies: point-to-point, annual reset, monthly
-
Zero downside market protection on your principal
-
Tax-deferred compounding to help funds accumulate faster
Designed by Midland National, this annuity is a standout for those seeking an early boost in growth without sacrificing safety. With support from our team at Diversified Insurance Brokers—and access to over 75 carriers—we can help determine if Accelerate 5 aligns with your retirement strategy.
Want to fast-track your retirement savings while staying secure? Let’s chat.
Diversified Insurance Brokers works with over 75 top carriers, including Midland National. We help you compare enhanced crediting options, long-term strategy, and product suitability.
Talk to an Advisor or Request Your Annuity Quote
Ready to explore this annuity in more detail—or compare it with other carriers to see if even higher rates are available? With guaranteed income, principal protection, and long-term growth potential on the line, making the right choice is essential. The experienced advisors at Diversified Insurance Brokers will guide you through the options and design a strategy tailored to your retirement goals.
Schedule here:
calendly.com/jason-dibcompanies/diversified-quotes
Licensed in all 50 states • Fiduciary, family-owned since 1980
FAQs: Midland Accelerate 5 Annuity
What is the Midland Accelerate 5 annuity?
The Accelerate 5 Annuity from Midland National is a fixed indexed annuity with a 5-year surrender period. It combines principal protection with the potential for index-linked growth and offers a fixed-interest option for those who prefer stability over market-linked volatility.
How does interest crediting work with Accelerate 5?
You can elect either a fixed interest account or one of the index-linked crediting options. For index-linked strategies, interest credits are determined based on the performance of a chosen index, using caps, participation rates, or spreads. If the index performs well, you may receive credited interest; if it performs poorly, your principal and prior credited interest remain protected.
Is my principal protected from market downturns?
Yes. As a fixed indexed annuity, Accelerate 5 ensures that market declines do not reduce your contract value. The worst-case indexed result in a down market is simply receiving no interest credit for that period.
What liquidity does Accelerate 5 offer?
After the first contract year, the annuity typically allows an annual penalty-free withdrawal up to a defined percentage (often 5–10%) of the account value. Withdrawals above that allowance—or full surrender during the surrender period—may incur surrender charges, and possibly a market value adjustment if applicable.
What surrender charge schedule does it use?
Since Accelerate 5 uses a five-year surrender charge period, withdrawals or full surrender during those first five years (beyond the free-withdrawal allowance) may trigger surrender charges. Charges generally decline each year until the surrender period ends.
Are income riders or other optional riders available?
Yes. In many states and versions, Accelerate 5 offers optional supplemental riders for an additional fee, such as a guaranteed lifetime income benefit or enhanced death benefit. These riders give added flexibility and protection depending on your long-term goals.
When might Accelerate 5 be a good fit?
Accelerate 5 may suit individuals who want a shorter-term indexed annuity — those looking for 5 years of growth potential with principal protection, possibly as part of a larger retirement strategy, or wanting to balance more conservative and growth-oriented holdings.
How do I decide between fixed vs indexed crediting within Accelerate 5?
If you prefer stability and predictable returns, the fixed-interest option may be preferable. If you’re comfortable with market variability and want a shot at higher gains, the indexed crediting strategies offer upside potential while still protecting your principal in down years.
About the Author:
Jason Stolz, CLTC, CRPC, is a senior insurance and retirement professional with more than two decades of real-world experience helping individuals, families, and business owners protect their income, assets, and long-term financial stability. As a long-time partner of the nationally licensed independent agency Diversified Insurance Brokers, Jason provides trusted guidance across multiple specialties—including fixed and indexed annuities, long-term care planning, personal and business disability insurance, life insurance solutions, and short-term health coverage. Diversified Insurance Brokers maintains active contracts with over 100 highly rated insurance carriers, ensuring clients have access to a broad and competitive marketplace.
His practical, education-first approach has earned recognition in publications such as VoyageATL, highlighting his commitment to financial clarity and client-focused planning. Drawing on deep product knowledge and years of hands-on field experience, Jason helps clients evaluate carriers, compare strategies, and build retirement and protection plans that are both secure and cost-efficient.
