Investing in mutual funds and variable annuities involves risk, including the potential loss if investment. You should consider the investment objectives, risks, charges and expenses of the mutual fund or variable annuity and its underlying investment options carefully before investing. The prospectus and/or summary prospectus contain this and other information. You may contact your financial professional or call 866-747-3421 to obtain a current prospectus for the mutual fund or the variable annuity and its underlying investment options. Please read it carefully.

You and your client should also consider the expenses of the IRA program before investing. Your client must receive a fund prospectus and the LiveWell^SM Mutual Fund IRA or LiveWell^SM Plus Mutual Fund IRA disclosure form before investing. IRAs are considered a long-term investment. Withdrawals from a Traditional IRA or SEP-IRA are generally subject to income taxes, and if taken before age 59½, may be subject to an additional 10% IRS tax penalty. Withdrawals from a Roth IRA are generally not subject to income tax provided certain requirements are met. Information on Traditional, Roth, and SEP-IRAs is available in the LiveWell^SM Mutual Fund IRA and LiveWell^SM Plus Mutual Fund IRA disclosures.

UMB Bank n.a. is the custodian for the LiveWell^SM Mutual Fund IRA program. The mutual funds offered through the LiveWell^SM Mutual Fund IRA are made available through Sammons Financial Network^SM LLC, member FINRA, 4546 Corporate Drive, Suite 100, West Des Moines, IA 50266. Information about the LiveWell^SM Mutual Fund IRA and the funds can be obtained by calling 866-747-3421. UMB Bank n.a. is not an affiliate of Sammons Retirement Solutions^SM Inc.

The distributor for Midland National's LiveWell^SM Variable Annuity is Sammons Financial Network^SM LLC, member FINRA.  Sammons Financial Network^SM LLC is a registered broker/dealer under the Securities Exchange Act of 1934. Sammons Financial Network^SM LLC is an indirect wholly owned subsidiary of Sammons Enterprises, Inc., of Dallas, Texas, the ultimate parent company of Midland National and Sammons Retirement Solutions^SM Inc.

LiveWell^SM Variable Annuity is issued on form AS135A and ICC11-AS135A or appropriate state variations by Midland National Life^® Insurance Company, West Des Moines, Iowa 50266

When you make a contribution, including a rollover contribution within six months of opening your IRA, Sammons Retirement Solutions^SM Inc. will add an additional 3% based on the net contribution(s) (adjusted for any prior withdrawals) to your IRA ("Account Bonus"). The amount of the Account Bonus is calculated as a percentage of your net contribution(s). The Account Bonus becomes part of the IRA at the same time as the corresponding net contribution(s).

For six years after the LiveWell^SM Plus Mutual Fund IRA is opened, an Early Withdrawal Charge ("EWC") will apply to withdrawals in excess of the annual EWC-free amount, or RMD if greater. This includes withdrawals made by your beneficiary following your death. See the LiveWell^SM Plus Mutual Fund IRA Certificate of Disclosure for details.

Transparent Value, LLC is an affiliate of Guggenheim Partners, LLC which is an affiliate of Sammons Enterprises, Inc., the parent company of Sammons Financial Network, Sammons Retirement Solutions^SM Inc. and Midland National Life^® Insurance Company.

Morningstar Associates, LLC. is a registered investment advisor and wholly owned subsidiary of Morningstar, Inc. Morningstar Associates provides nondiscretionary consulting services to Sammons Retirement Solutions^SM Inc. (SRSI^SM) but is not acting in the capacity of advisor to individual investors. Morningstar Associates provides recommendations to SRSI^SM regarding asset allocation targets for the LiveWell^SM Asset Class Models and model portfolios for the LiveWell^SM Variable Annuity LiveWell^SM Investment Option Specific Models or the LiveWell^SM Fund Specific Models for the LiveWell^SM Mutual Fund IRA Series.  Asset allocation targets and model portfolio allocations are subject to change without notice. Morningstar Associates establishes the allocations using its proprietary asset classifications. If alternative classification methods are used, the allocations may not meet the asset allocation targets. The Morningstar name and logo are registered marks of Morningstar, Inc. Morningstar Associates is not affiliated with SRSI^SM.

Variable insurance products are not bank deposits, and are not insured by the FDIC, NCUA or other regulatory agencies. They are not obligations of or guaranteed by the financial institution or other affiliated entities, and are not a condition of a loan. Variable insurance products are subject to market risks and may lose value, including loss of principal.

FOR REGISTERED REPRESENTATIVE USE ONLY. NOT INTENDED FOR CONSUMER SOLICITATION PURPOSES.