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Financial ratings

Over 1 million contracts backed by a century-old company

Sammons® Financial Group's member company Midland National® Life Insurance Company currently holds more than one million life insurance and annuity policies, with assets over $57 billion.1 In addition, the strength is evident in the ratings the company holds from independent rating agencies:

A.M. Besta,b   S&P Global Ratingsb,c   Fitch Ratingsb,d


(2nd category of 15)
Superior ability to meet ongoing obligations to policyholders



(5th category of 22)
Very strong financial security characteristics



(5th category of 19)
Strong business profile and investment performance

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. These ratings do not apply to the safety or performance of the variable separate accounts which will fluctuate in value.

a) A.M. Best rating affirmed on August 7, 2019. For the latest rating, access www.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 August 14, 2019. d) Fitch Ratings' rating affirmed on April 17, 2019, assigned an Insurer Financial Strength rating of A+ Stable. 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 www.fitchratings.com.

1 Statutory Basis as of 12/31/2018.

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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/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.

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.

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 GroupSM, Inc. provides administrative services. Sammons Financial Network® LLC, Midland National® Life Insurance Company, and Sammons Institutional GroupSM, Inc. are wholly owned subsidiaries of Sammons® Financial Group, Inc. Sammons Retirement Solutions® and Midland Retirement Distributors® are divisions of Sammons Institutional GroupSM, Inc.

Please view these important product-specific disclosures:

LiveWell® Mutual Fund IRA | LiveWell® Plus Mutual Fund IRA | LiveWell® Variable Annuity | LiveWell® Freedom Variable Annuity | LiveWell® Preferred Fixed Index Annuity | LiveWell® Fixed Index Annuity | LiveWell® Guarantee Annuity

Guggenheim Investments is the fund manager for the investment management business of Guggenheim Partners, LLC ("Guggenheim"). Guggenheim is an affiliate of Sammons Enterprises, Inc., the parent company of Sammons® Financial Group, Inc. and its affiliated companies.

Investment options vary by product.