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Midland National A Sammons Financial Company



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With the ability to double lifetime payments when it may be needed most, Capital Income is designed specifically to deliver income flexibility with asset protection.

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Product details Health-activated income multiplier Resource Center Contact us The Midland story

Capital Income materials

Download these product materials for details on how Capital Income can create a guaranteed lifetime income stream with flexible payout options, and opportunities to increase payments along the way.

Standard brochure (32301Y) Brochure (CA-specific) (32301Y-04)
Product rate sheet (32502Y) State availability chart (32429Y)
Highlight sheet (32332Y) Highlight sheet (CA-specific) (32332Y-04)
Understanding the MVA (32340Y) Understanding the MVA (CA-specific) (32340Y-04)


Ancillary materials

Searching for more details on how a fixed index annuity works? Download these important resources for further information.

Benefits of a Tax-Deferred Annuity (12972Y)

Balanced Accumulation brochure (27299Y)

Insights and opportunities from Ed Slott white paper (32420Y)

Plan for the unexpected with Capital Income

Prepare for personal care costs with the health-activated income multiplier. If a health-event leaves a client unable to perform at least two of the six “Activities of Daily Living” as defined in the contract, clients can receive increased lifetime payments for up to five years.

About the health-activated income multiplier (32405Y)

How to elect the multiplier flyer (32333Y)

Multiplier election form (Coming soon)

Multiplier recertification form (Coming soon)



For additional service forms, log in to your Midland National account.

Index resources

Take advantage of growth potential through Fidelity and S&P indexes, and guarantees that your clients' accounts will not lose value due to market downturns.

Fidelity Multifactor Yield Index 5% ER brochure (31939Y)

Fidelity Multifactor Yield Index 5% ER consumer site

S&P 500 consumer site


Instructional materials

Searching for “how to” resources? View these key Midland National instructional materials.

How to deduct advisory fees (32341Y)

How to access MidlandNational.com account (for advisors) (32504Y)


Onboarding Forms

Access these important onboarding forms to get started with Midland National.

IAR Information Form (32182Y)

Advisor Fee Payment Request form (32288Y)

RIA Onboarding Form (32183Y)



For additional service forms, log in to your Midland National account.

Need pre-sale support?

Contact DPL Financial Partners

Business Hours:
8:00 AM – 5:00 PM central time, Monday – Friday

Advisors, please contact:
Phone: 877-640-6005
Email: midland@dplfp.com


Need in-force business support?

Contact Midland National

Business Hours:
7:30 AM - 5:00 PM central time, Monday - Thursday
7:30 AM - 12:30 PM central time, Friday

Advisors, please contact:
Phone: 877-586-0244
Fax: 877-586-0249
Email: annuitycorrespondence@sfgmembers.com

DPL Consultants, please contact:
Phone: 833-492-0022
Fax: 833-492-0023
Email: RIAService@sfgmembers.com

The Midland story

We're a company built on a foundation of financial strength.

With over 110 years of business under our belt, Midland National’s continued financial strength is the result of our:
  • Conservative and disciplined investment approach
  • Private ownership structure
  • Commitment to doing what’s right for Midland National distribution partners and policyowners

Midland National is privately owned and customer focused.
As a privately owned company, Midland National is not subject to the short-term earnings pressures that publicly held companies often face. Midland National plans to perpetuate itself for hundreds of years, not the next quarter or the next fiscal year. At Midland National we focus on the long term. We focus on you.

High ratings for financial strength.
Independent agency ratings provide a vital picture of an insurer’s ability to keep its commitments to you, the customer. These ratings are based on financial strength, operating performance, and ability to meet our obligations to Midland National policyowners and contract holders. Our consistent high ratings show that with Midland National, you aren’t just buying a product, you’re buying a commitment to you and your family.

"A+" (Superior) A.M. Best
"A+" (Strong) S&P Global Ratings
"A+" (Stable) Fitch Ratings
"A+" Better Business Bureau

Discover more about Midland National (9110Y)

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Health-activated income multiplier (known as ADL Benefit Rider in the contract) is not available in the state of California. See contract for full ADL definitions and additional conditions required to elect it. THE ADL BENEFIT RIDER (ALSO KNOWN AS THE HEALTH-ACTIVATED INCOME MULTIPLIER) IS NOT LONG TERM CARE INSURANCE NOR IS IT INTENDED TO REPLACE LONG TERM CARE INSURANCE. Multiplier factor is 200% for single payout. Factor will be lower for joint payout. See contract for full details. Sammons FinancialSM is the marketing name for Sammons

Sammons FinancialSM is the marketing name for Sammons® Financial Group, Inc.’s member companies, including Midland National® Life Insurance Company. Annuities and life insurance are issued by, and product guarantees are solely the responsibility of, Midland National Life Insurance Company.

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 could under certain scenarios 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.

Refer to your contract for further details. The Midland National Capital IncomeSM is issued on base contract form AS202A/ICC19-AS201A, ICC19-AR371A, ICC20-AR378A/AR378A, ICC20-AR379A/AR379A, ICC20-AR380A/AR380A, ICC19-AR363A/AR363A, ICC19-AR364A/AR364A, ICC19-AR362A/AR362A, ICC19-AR369A/AR369A, and ICC19-AR360A/AR360A, or appropriate state variations including all applicable endorsements and riders. This product, its features and riders may not be available in all states.

The "S&P 500®", "S&P Multi-Asset Risk Control 5% Excess Return Index", "S&P 500® Low Volatility Daily Risk Control 5% Index" and "S&P 500® Low Volatility Daily Risk Control 8% Index" Indices ("Indices") are products of S&P Dow Jones Indices LLC or its affiliates ("SPDJI") and have been licensed for use by Midland National Life Insurance Company® ("the Company"). Standard & Poor’s® and S&P® are registered trademarks of Standard & Poor’s Financial Services LLC ("S&P"). The trademarks have been licensed to SPDJI and have been sublicensed for use for certain purposes by the Company. Midland National Capital Income ("Product") is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, any of their respective affiliates (collectively, "S&P Dow Jones Indices"). S&P Dow Jones Indices does not make any representation or warranty, express or implied, to the owners of the Midland National Capital Income or any member of the public regarding the advisability of investing in securities generally or in this Product particularly or the ability of these Indices to track general market performance. S&P Dow Jones Indices only relationship to Midland National with respect to these Indices is the licensing of the Index and certain trademarks, service marks and/or trade names of S&P Dow Jones Indices and/or its licensors. The Indices are determined, composed and calculated by S&P Dow Jones Indices without regard to Midland National or the Product. S&P Dow Jones Indices has no obligation to take the needs of the Company or the owners of this Product into consideration in determining, composing or calculating these Indices. S&P Dow Jones Indices is not responsible for and have not participated in the determination of the prices, and amount of Midland National Capital Income or the timing of the issuance or sale of this Product or in the determination or calculation of the equation by which the Product is to be converted into cash, surrendered or redeemed, as the case may be. S&P Dow Jones Indices has no obligation or liability in connection with the administration, marketing or trading of the Product. There is no assurance that investment products based on these Indices will accurately track index performance or provide positive investment returns. S&P Dow Jones Indices LLC is not an investment advisor. Inclusion of a security within an index is not a recommendation by S&P Dow Jones Indices to buy, sell, or hold such security, nor is it considered to be investment advice.

S&P DOW JONES INDICES DOES NOT GUARANTEE THE ADEQUACY, ACCURACY, TIMELINESS AND/OR THE COMPLETENESS OF THESE INDICES OR ANY DATA RELATED THERETO OR ANY COMMUNICATION, INCLUDING BUT NOT LIMITED TO, ORAL OR WRITTEN COMMUNICATION (INCLUDING ELECTRONIC COMMUNICATIONS) WITH RESPECT THERETO. S&P DOW JONES INDICES SHALL NOT BE SUBJECT TO ANY DAMAGES OR LIABILITY FOR ANY ERRORS, OMISSIONS, OR DELAYS THEREIN. S&P DOW JONES INDICES MAKES NO EXPRESS OR IMPLIED WARRANTIES, AND EXPRESSLY DISCLAIMS ALL WARRANTIES, OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE OR AS TO RESULTS TO BE OBTAINED BY MIDLAND NATIONAL OWNERS OF THE Midland National Capital Income, OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE INDICES OR WITH RESPECT TO ANY DATA RELATED THERETO. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT WHATSOEVER SHALL S&P DOW JONES INDICES BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE OR CONSEQUENTIAL DAMAGES INCLUDING BUT NOT LIMITED TO, LOSS OF PROFITS, TRADING LOSSES, LOST TIME OR GOODWILL, EVEN IF THEY HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, WHETHER IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE. THERE ARE NO THIRD PARTY BENEFICIARIES OF ANY AGREEMENTS OR AGREEMENTS BETWEEN S&P DOW JONES INDICES AND THE COMPANY, OTHER THAN THE LICENSORS OF S&P DOW JONES INDICES. The Fidelity Multifactor Yield Index 5% ER (the "Index") is a multi-asset index, offering exposure to companies with attractive valuations, high quality profiles, positive momentum signals, lower volatility and higher dividend yield than the broader market, as well as U.S. treasuries, which may reduce volatility over time. Fidelity and its related marks are service marks of FMR LLC. Fidelity is a registered trademark of FMR LLC. Fidelity Product Services LLC ("FPS") has licensed this index for use for certain purposes to Midland National® Life Insurance Company (the "Company") on behalf of the Product. The Index is the exclusive property of FPS and is made and compiled without regard to the needs, including, but not limited to, the suitability needs, of the Company, the Product, or owners of the Product. The Product is not sold, sponsored, endorsed or promoted by FPS or any other party involved in, or related to, making or compiling the Index. The Company exercises sole discretion in determining whether and how the Product will be linked to the value of the Index. FPS does not provide investment advice to owners of the Product, nor to any other person or entity with respect to the Index and in no event shall any Product contract owner be deemed to be a client of FPS.

Neither FPS nor any other party involved in, or related to, making or compiling the Index has any obligation to continue to provide the Index to the Company with respect to the Product. Neither FPS nor any other party involved in, or related to, making or compiling the Index makes any representation regarding the Index, Index information, performance, annuities generally or the Product particularly.

Fidelity Product Services LLC disclaims all warranties, express or implied, including all warranties of merchantability or fitness for a particular purpose or use. Fidelity Product Services LLC shall have no responsibility or liability whatsoever with respect to the Product.

32493Y PRT 6-20