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Insurance products issued by Midland National Life Insurance Company, West Des Moines, Iowa. Product and features/options may not be available in all states or appropriate for all clients. See product materials and state availability chart for further details, specific features/options, and limitations by product and state.
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 the 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 IndexMax ADVSM is issued on base contract form AS203A/ICC20-AS203A, or appropriate state variation including all applicable endorsements and riders. The Midland National Capital IncomeSM is issued on base contract form AS202A/ICC19-AS201A, or appropriate state variation including all applicable endorsements and riders. The Oak ADVantageSM is issued on form ICC21-AR204A/AS204A (contract), ICC20-AR380A/AR380A, and ICC19-AR360A/AR360A/AR151A04 (riders/endorsements) or appropriate state variation. These products and their features may not be available in all states or appropriate for all clients.
The ConstanceSM Group Contingent Deferred Annuity is issued by Midland National® Life Insurance Company, West Des Moines, Iowa 50266, distributed by EF Legacy Securities, LLC, member FINRA and underwritten by Sammons Financial Network®, LLC., member FINRA. Certificate Form AC206A and Contract Form AS206A (may vary by state). The ConstanceSM Group Contingent Deferred Annuity is not available in New York.
Registered investment advisors* (financial advisors) who work with our appointed insurance agents (financial professional(s)) operate independently from Midland National and vary in the extent to which they use the insurance products available to any respective financial professional.
*Midland National does not evaluate, endorse, recommend, or guarantee the services of any financial advisor. You have the relationship and hiring decisions with your financial advisor. As such, we will not supervise or monitor the financial advisor’s activities or your overall investment portfolio, nor are we responsible for the performance of your investments. We have no discretionary authority or control, or liability for any damages with respect to how your financial advisor manages your investment assets.
A+ (Superior) rated by A.M. Best since 1980. 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 ability to meet its obligations to policyholders. A+ is the second highest rating out of 15 categories and was affirmed for Midland National Life Insurance Company as part of Sammons Financial Group on July 30, 2021. For the latest rating, access ambest.com. S&P Global Ratings awarded its “A+” (Strong) rating for insurer financial strength on February 26, 2009 and affirmed on June 2, 2021 to Midland National Life Insurance Company as a member of Sammons® Financial Group, Inc. The “A+” (Strong) rating is the fifth highest out of 22 available ratings as a member of Sammons® Financial Group, Inc. S&P Global Ratings is an independent, third-party rating firm that rates on the basis of financial strength. Rating shown reflect the opinion of the rating agency and are not implied warranties of the company’s ability to meet its financial obligations. A+ (Stable) Rated by Fitch Ratings. Fitch Ratings, a global leader in financial information services and credit ratings, on April 23, 2021, assigned an Insurer Financial Strength rating of A+ Stable for Midland National. This rating is the fifth highest of 19 possible rating categories. The rating reflects the organization’s strong business profile, low financial leverage, very strong statutory capitalization and strong operating profitability supported by strong investment performance. For more information, read the Fitch Ratings report.
34297Y | PRT 11-16-21
|Not FDIC/NCUA Insured||Not A Deposit Of A Bank||Not Bank Guaranteed|
|May Lose Value||Not Insured By Any Federal Government Agency|