Climb to retirement with confidence

Summit LadderedSM Fixed Index Annuity

Issued by Midland National® Life Insurance Company

Retirement planning can feel like a climb with many rungs to reach along the way.

With so many decisions and details to track, the Summit Laddered Fixed Index Annuity helps you add guaranteed lifetime income to your retirement strategy.

Summit Laddered offers:

  • Guaranteed growth with a fixed rate account option
  • Market-linked growth potential through index account options
  • Potentially higher participation rates associated with longer crediting time frames within the Laddered Allocation Strategy
  • Built-in diversification and automatic allocations managed for you
  • 100% downside protection
  • Tax deferral, you pay no taxes until a withdrawal is taken1
  • Stability provided by A+ (Superior) rated Midland National® Life Insurance Company2

Spreading funds across multiple crediting time frames can help reduce reliance on any single market outcome and help smooth potential returns over time. Summit Laddered offers a way to automatically manage multiple crediting time frames and reallocations, so you can stay focused on your long-term goals.

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*Not available in California or Oregon.

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.

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

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. 

All guarantees are backed by the financial strength and claims-paying ability of Midland National® Life Insurance Company. 

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-12 | PRT 07-26