Narrow in on the now

Summit Focus® 3 Fixed Index Annuity

Issued by Midland National® Life Insurance Company

Whether you’re just starting to plan for retirement, or you’ve had a strategy in place for years, deciding what to do next can feel unclear.

With so many options and moving parts, it’s easy to feel overwhelmed. But retirement planning doesn’t have to mean solving everything at once.

Sometimes it helps to focus on the now—or the next few years—when options seem overwhelming.

The Summit Focus Fixed Index Annuity was designed to provide simplicity and stability when you may need them most.

Summit Focus offers:

  • Market-linked growth potential with access to two index options
  • Stable crediting rates that are guaranteed to the stay the same for the three-year term
  • Protection against losses during stock market downturns
  • Tax deferral, you pay no taxes until a withdrawal is taken1
  • Stability, provided by A+ (Superior) rated Midland National® Life Insurance Company2

With guaranteed rates for three years, a short surrender charge period, and the option for a fixed account, Summit Focus can help you narrow in on the now.

Explore Summit Focus

Connect with your financial professional to
explore if Summit Focus may be a good fit to
help you reach your retirement goals.

Marketing materials may not be available for use in all states.

1 Under current law, annuities grow tax deferred. An annuity is not required for tax deferral in qualified plans. Annuities may be subject to taxation during the income or withdrawal phase. Please note that neither Midland National, nor any financial professionals acting on its behalf, should be viewed as providing legal, tax, or investment advice. Consult with and rely on your own qualified professional.

2 Midland National ® is rated A+ (Superior) by A.M. Best – effective August 13, 2025. A+ is the 2nd of 15 categories.

NOT FOR USE IN OREGON. 

The Summit Focus® Fixed Index Annuity, its features, and riders may not be available in all financial institutions or states.

All rates and features are subject to change. Please consult your financial professional for the current information. 

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. 

A surrender during the surrender charge period could result in a loss of premium. Surrender charge structure may vary by state. 

Securities distributed by Sammons Financial Network®, LLC., member FINRA. Insurance products are issued by Midland National® Life Insurance Company (West Des Moines, IA). Sammons Institutional Group®, Inc. provides administrative services. Sammons Financial Network®, LLC., Midland National® Life Insurance Company, and Sammons Institutional Group®, Inc. are wholly owned subsidiaries of Sammons® Financial Group, Inc. Midland Retirement Distributors® is a division of Sammons Institutional Group®, Inc. 

Please view these important product-specific disclosures.

NOT FDIC/NCUA INSURED, MAY LOSE VALUE INCLUDING LOSS OF PREMIUM, NO BANK/CU GUARANTEE, NOT A DEPOSIT, NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY.

38461D-10 | PRT 07-26