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MORE THAN 110 INVESTMENT OPTIONS FOR A CUSTOMIZED PORTFOLIO:

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Variable annuities are designed for long-term investing, such as retirement investing and are subject to market risk including loss of principal.

Investing in mutual funds and variable annuities involves risk, including the potential loss of 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 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 should also consider the expenses of the IRA program before investing. You must receive a fund prospectus and the LiveWellSM Mutual Fund IRA or LiveWellSM Plus Mutual Fund IRA disclosure form before investing.

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

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 LiveWellSM Mutual Fund IRA and LiveWellSM Plus Mutual Fund IRA disclosures.

When you make a contribution in the LiveWellSM Plus Mutual Fund IRA, including a rollover contribution within six months of opening your IRA, Sammons Retirement SolutionsSM 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 LiveWellSM 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 Plus Mutual Fund IRA Certificate of Disclosure for details.

This contract, or any of its riders, is not designed for resale or speculation, arbitrage, viatical settlements or any type of collective investment scheme. This contract may not be traded on any stock exchange or secondary market. By purchasing this contract, you represent and warrant that you are not purchasing or intending to use this contract, or any of its riders, for resale, speculation, arbitrage, viatical settlements or any type of collective investment scheme.

LiveWellSM 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.

The distributor for Midland National's LiveWellSM Variable Annuity is Sammons Financial NetworkSM LLC (SFN), member FINRA. Sammons Financial NetworkSM LLC is a registered broker/dealer under the Securities Exchange Act of 1934. Sammons Financial NetworkSM LLC is an indirect wholly owned subsidiary of Sammons Enterprises, Inc., of Dallas, Texas, the ultimate parent company of Midland National and Sammons Retirement SolutionsSM Inc.

Before purchasing this product, you must receive a current variable annuity prospectus that includes information regarding risk factors, fees, expenses, investment objectives, and policies. Read the prospectus carefully before you invest any money. No variable product offers any guaranteed rate of return.

Sammons® Financial Group, Inc. is comprised of Midland National Life® Insurance Company, Sammons Annuity Group (a division of Midland National), Sammons® Corporate Markets Group (a division of Midland National), North American Company for Life and Health Insurance®, Sammons Securities Company®, LLC, Sammons Retirement SolutionsSM Inc. and Sammons Financial NetworkSM LLC, member FINRA.

Transparent Value Advisors, LLC, Guggenheim Distributors, LLC (f/k/a Rydex Distributors, Inc.), and Security Investors, LLC (d/b/a Guggenheim Investments) are subsidiaries of Guggenheim Partners, LLC ("Guggenheim"). Guggenheim is a global diversified financial services firm that provides asset management, investment banking, and capital markets services, along with insurance, institutional finance, and investment advisory solutions. Guggenheim is an indirect, partially owned subsidiary of Sammons Enterprises, Inc. which is also the parent company of Midland National Life® Insurance Company and Sammons Retirement SolutionsSM Inc.

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