About Midland National Life Insurance

Since 1906, Midland National Life Insurance Company has provided fixed annuities and life insurance policies to individuals and families across the United States. Originally founded as Dakota Mutual Life Insurance Company, and assuming the name Midland National Life Insurance Company in 1925, the company dedicates itself to preserving its legacy of providing insurance financial services that protect individuals and families alike.

Midland National has enjoyed steady growth, stability, and industry success through its annuities and life insurance solutions for more than 110 years. An essential part of continuing that tradition of stability is the organization’s broad product portfolio designed to fit the individual needs of both personal and business policyholders, and its focus on long-term sustained growth and, outstanding achievements of agents, distribution partners, and employees.

Midland National Offerings

Trust is perhaps the most valuable commodity in the insurance business. Life insurance and annuities offer financial protection for individuals and families. It’s important to trust that the company providing this financial protection will be around for the long-term.

Midland National’s independent agents offer a wide array of products to suit many individual needs:

• Fixed index, traditional fixed and immediate annuities: Designed to produce long-term gains with guarantees backed by the financial strength of Midland National. Independent agents appointed by Midland National help guide customers in seeking insurance products suitable for their individual needs employing state-by-state buying guides to help ensure clients have all needed information to make the best decision for their situation
• Life insurance*: Midland’s independent agents also offer term, whole, universal, indexed universal and variable2 universal life insurance policies to provide policyowners and beneficiaries with financial protection. Midland National knows the value and importance of having the right policy in place and weighing all factors involved in helping determine which policies are right for each individual.

*Life insurance policies have terms under which the policy may be continued in force or discontinued. Current risk rates and interest rates are not guaranteed. Therefore, the planned periodic premium may not be sufficient to carry the contract to maturity. For Indexed Universal Life policies, the Index Accounts are subject to caps and participation rates and in no case will the interest credited be less than 0 percent. The policy’s death benefit is paid upon the death of the insured. The policy does not continue to accumulate cash value and excess interest after the insured’s death. Please refer to the customized illustration provided by your agent for additional detail. For costs and complete details, call or write Midland National Life Insurance Company, Administrative Office, One Sammons Plaza Sioux Falls, SD 57193. Telephone: (605) 335-5700.
Midland National at Every Step of Life

• Explore Midland National’s long history at MidlandNational.Life
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A Heritage of Trust

Midland National recently celebrated its 110th year of providing quality service, financial strength and life insurance and annuity products. The company actively looks toward more milestones in the years to come driven by its continued emphasis on quality products and excellent service.

Midland National is a member of the privately-held Sammons Financial Group2, a group of financial services companies offering a variety of insurance, financial and retirement products. Because Midland National is a privately-held company, it is not subject to the short-term earnings pressures that publicly-held companies often face and can continue to focus on long-term strategic growth rather than short-term earnings.

Midland National earns high year-over-year ratings from third-party independent reporting companies. Independent agency ratings provide a vital picture of an insurer’s ability to keep commitments to its customers. The strength of Midland National’s investment portfolio, which emphasizes high-quality bonds that provide safety, liquidity, and competitive rates, supports the guarantees in its annuities and life insurance products. The following ratings are based on our financial strength, operating performance, and ability to meet obligations to our policy owners and contract holders.

• Midland National consistently ranks among the top fixed index carriers in the U.S., according to AnnuitySpecs, Quarterly Indexed Sales & Market Report.
• As a part of Sammons® Financial Group earned A+ (Superior) Rated by A.M. Best1 based on the company’s financial strength, operating performance, and ability to meet its obligations to contract holders (2nd highest category of 15). The rating was affirmed on July 6, 2017.
• “A+” (Strong) Rated by S&P Global Ratings as a part of Sammons Financial Group Inc. and is the 5th highest rating out of 22 categories. The rating was affirmed October 19th, 2016.
• Midland National is a Better Business Bureau Accredited company.

Legal Notice:

Ratings shown reflect the opinions of the rating agencies and are not implied warranties of the company’s ability to meet its financial obligations. The above ratings apply to Midland National’s financial strength and claims-paying ability. These ratings do not apply to the safety or performance of the variable separate accounts which will fluctuate in value.
1 A.M. Best is a large third-party independent reporting and rating company that rates an insurance company on the basis of the company’s financial strength, operating performance and the ability to meet its obligations to policyholders.
The Best’s Rating Report (s) reproduced on this site appear under license from A.M. Best and do not constitute, either expressly or implied, an endorsement of (Licensee)’s products or services. A.M. Best is not responsible for transcription errors made in presenting Best’s Rating Reports.
Best’s Rating Reports are copyright © A.M. Best Company and may not be reproduced or distributed without the express written permission of A.M. Best Company. Visitors to this website are authorized to print a single copy of the Best’s Rating Report (s) displayed here for their own personal use. Any other printing, copying or distribution is strictly prohibited.
Best’s Ratings are under continuous review and subject to change and/or affirmation. To confirm the current rating, please visit the A.M. Best web site, http://www.ambest.com.
2Variable products distributed by Sammons Financial Network® LLC, member FINRA. Sammons Financial Network® LLC and Midland National® Life Insurance Company are affiliated companies and indirect wholly owned subsidiaries of Sammons Enterprises, Inc. of Dallas, Texas. Sammons Financial Group® is comprised of North American Company for Life and Health Insurance®, Midland National® Life Insurance Company, including its divisions Sammons Retirement Solutions®, Inc and Sammons Financial Network®, LLC, member FINRA.
3 The Ward’s 50 Benchmark Group placement is derived from an in-depth analysis completed by the Ward Group, a Cincinnati-based management consulting firm specializing in the insurance industry.
3 The Ward’s 50 Benchmark Group placement is derived from an in-depth analysis completed by the Ward Group, a Cincinnati-based management consulting firm specializing in the insurance industry.