Chart your course to retirement with confidence

Summit^SM Navigate Fixed Index Annuity

Issued by Midland National® Life Insurance Company

Planning for retirement often means balancing two important goals: protecting what you’ve earned and pursuing opportunities for growth.

The Summit Navigate Fixed Index Annuity is designed to help you do both.

Summit Navigate offers:

Growth potential through BOTH annual and term credits
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
Ability to leave a legacy for loved ones or a favorite cause

With protection from market losses as well as opportunities to lock in market-linked growth potential, Summit Navigate can help offer a clearer path forward.

Explore Summit Navigate

Summit Navigate
Client Brochure
28949D-1

Summit Navigate
Client Brochure (OR only)
28949D-OR

Summit Navigate
At A Glance Flyer
28950D-1

Summit Navigate
Rate Sheet
6745S-NAV

Video is not for use in Idaho and Oregon.

Connect with your financial professional
to explore if Summit Navigate 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.

The Summit^SM Navigate 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.

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-09 | PRT 07-26

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