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Build Yourself A Bigger Retirement

Without hassles … headaches … or extra fees*

Innovative investment offerings from Sammons Retirement SolutionsSM Inc. (SRSISM) help you round out your retirement savings with flexible investment options led by some of the nation's most respected money managers. Set up a solution with the flexibility of no back-end or surrender charges, or maximize your growth potential with an Account Bonus. It's your choice.

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*Variable annuities are subject to other charges such as separate account management fees and insurance costs (1% Mortality & Expense Fee, 0.35% Administration Fee, $10 quarterly Maintenance Fee for policies less than $50,000.)

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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 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 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. 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, 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 LiveWellSM 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.

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.

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.

UMB Bank n.a. is the custodian for the LiveWellSM Mutual Fund IRA program. The mutual funds offered through the LiveWellSM Mutual Fund IRA are made available through Sammons Financial NetworkSM LLC, member FINRA, 4546 Corporate Drive, Suite 100, West Des Moines, IA 50266. Information about the LiveWellSM 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 SolutionsSM Inc.

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, 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.

Transparent Value, LLC is an affiliate of Guggenheim Partners, LLC which is an affiliate of Sammons Enterprises, Inc., 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.