Issued by Midland National® Life Insurance Company

Why choose Midland Retirement Distributors?

Planning for retirement takes time, strategy, and the right products. We are here to help you reach your financial goals.

As a dedicated division of Sammons Institutional Group®, Inc., we specialize in fixed and fixed index annuities that provide choice, focus, and flexibility. These annuities are issued by Midland National® Life Insurance Company, a proud subsidiary of employee-owned Sammons® Financial Group, Inc. This strong connection underscores our commitment as a trusted partner, prepared to support you well into the future.

For over a century, Midland National has been dedicated to supporting its customers by prioritizing growth, income, and financial protection. We are proud of our impact on the financial futures we help secure and the legacies we help establish. With a rich history and a proven financial track record, we bring experience to every annuity we offer.

Our annuity solutions

Summit Series of fixed index annuities*

Summit Journey® 10 Fixed Index Annuity
Summit℠ Edge Fixed Index Annuity
Summit℠ Navigate Fixed Index Annuity
Summit Focus® Fixed Index Annuity
Summit℠ Discovery Fixed Index Annuity

Fixed annuities*

MNL Guarantee Pro℠ Multi-Year Guaranteed Annuity

Our financial strength

Midland National® Life Insurance Company boasts a proven financial track record for each annuity. Independent rating agencies have awarded the following ratings.

*Products may not be available in all states or financial institutions.

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. S&P Global Ratings is an independent, third-party rating firm that rates on the basis of financial strength. Fitch Ratings is a global leader in financial information services and credit ratings. Ratings shown reflect the opinions of the rating agencies and are not implied warranties of the company's ability to meet its financial obligations. The above ratings apply to Midland National's financial strength and claims-paying ability. A) A.M. Best rating affirmed on August 13, 2024. For the latest rating, access ambest.com. B) Awarded to Midland National® as part of Sammons® Financial Group Inc., which consists of Midland National® Life Insurance Company and North American Company for Life and Health Insurance®. C) S&P Global Ratings' rating assigned February 26, 2009 and affirmed on May 15, 2025. D) Fitch Ratings' rating affirmed an Insurer Financial Strength rating of A+ Stable on June 17, 2025. 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 access fitchratings.com.

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.

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. Sammons Retirement Solutions® and Midland Retirement Distributors® are marketing divisions 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.

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Midland Retirement Distributors is a members 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 Midland National Life Insurance Company.