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Company history and financial ratings

Over 1 million contracts backed by a century-old company

Sammons Retirement Solutions® is a member of Sammons® Financial Group, an insurance holding company with over $89 billion in assets.1 Sammons Financial Group member companies offer a diverse portfolio of financial services including life insurance, annuities, and securities.

Other members of Sammons Financial Group include: Midland National® Life Insurance Company®, North American Company for Life and Health Insurance®, and Sammons Institutional Group®, Inc. Sammons Retirement Solutions® and Midland Retirement Distributors® are marketing divisions of Sammons Institutional Group®, Inc. and Sammons Financial Network®, LLC., member FINRA.

For more than 110 years, Midland National Life Insurance Company has overcome tough economic and financial challenges facing our customers. Midland National has persevered through two World Wars, the Great Depression, and several recessions.

Independent rating agencies have awarded the following ratings:

"A+"

A.M. BestA,B (Superior)(Second category of 15)

S&P Global RatingsB,C (Strong)(Fifth category of 22)

Fitch RatingsB,D (Stable)(Fifth category of 19)

Contact your financial professional for additional information.

If you are a financial professional, enter an access code to sign in or call the Sammons Retirement Solutions Sales Desk at 855-624-0201.

1 Statutory Basis as of 12/31/2019.

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 19, 2020. 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 14, 2020. D) Fitch Ratings' rating affirmed an Insurer Financial Strength rating of A+ Stable on May 1, 2020. 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.

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Variable annuities are designed for long-term investing, such as retirement investing and are subject to market risk including toss 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/or summary prospectus contain this and other information. You may contact your financial professional, visit srslivewell.com/prospectus, or call 866-747-3421 to obtain a current prospectus. 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 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:

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

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

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