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LIVEWELL® RETIREMENT SERIES

SIDE-BY-SIDE COMPARISON

Innovative retirement planning solutions from Sammons Retirement Solutions® Inc. can help you round out your clients' financial plans with flexible investment options led by some of the nation's most respected money managers.

Compare our three security solutions now:

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Can Be A Good Fit For Someone Who Is retiring, changing jobs, or simply looking to consolidate plans to save time and money

Wants the potential for long-term growth

Wants to contribute at least $10,000
Is at least six years from retirement, is changing jobs, or simply wants to consolidate plans to save time and money

Wants the potential for long-term growth

Wants to make an initial contribution of at least $50,000
Has maximized their 401(k), 403(b), or government 457 plan and other pre-tax investment options and is looking for another investment option for possible tax-deferred growth.

Wants the potential for unlimited long-term growth

Wants to make a purchase payment of at least $10,000
Type Of Money 401(k) rollovers, 403(b) rollovers, government 457 rollovers, and IRA rollovers, including traditional IRA rollovers, SEP-IRA rollovers, Roth IRA rollovers, and Inherited IRA rollovers 401(k) rollovers, 403(b) rollovers, government 457 rollovers, and IRA rollovers, including traditional IRA rollovers, SEP-IRA rollovers, Roth IRA rollovers, and Inherited IRA rollovers Transfers from non-qualified funds, plus 401(k) rollovers, 403(b) rollovers, government 457 rollovers, and IRA rollovers, including traditional IRA rollovers, SEP-IRA rollovers, Roth IRA rollovers, and Inherited IRA rollovers
Issue Age Minimum 18 years Minimum 18 years 0-90
Freedom For Clients To Change Their Minds
No-Cost Rebalancing and Reallocation1
Transfers are subject to the Excessive Trading Policy1 Early Withdrawal Charge*

Transfers are subject to the Excessive Trading Policy1
Transfers are subject to the Excessive Trading Policy1
Investment Options More than 150 mutual funds from 25+ fund managers More than 150 mutual funds from 25+ fund managers More than 135 investment options led by 25+ of the nation's most respected money managers
Charges And Fees Annual Recordkeeping Fee + standard mutual fund fees Annual Recordkeeping Fee + standard mutual fund fees Separate Account Annual Expenses2
Other Features Available Dollar-Cost Averaging3—Investing a set amount of money at regular intervals over a long period of time

Automatic Rebalancing—Putting investments back in the proportions originally set

(Dollar-Cost Averaging and Automatic Rebalancing are not available together)
Dollar-Cost Averaging3—Investing a set amount of money at regular intervals over a long period of time

Automatic Rebalancing—Putting investments back in the proportions originally set

(Dollar-Cost Averaging and Automatic Rebalancing are not available together)
Dollar-Cost Averaging3—Investing a set amount of money at regular intervals over a long period of time

Automatic Rebalancing—Putting investments back in the proportions originally set

(Dollar-Cost Averaging and Automatic Rebalancing are not available together)
3% Account Bonus4 N/A The amount of the Account Bonus is calculated as a percentage of your net contribution(s). The Account Bonus becomes part of your IRA at the same time as the corresponding contribution(s). N/A
Early Withdrawal Charge (EWC) N/A * Withdrawals made during the first six years of the IRA are charged:
YR     1       2        3       4      5       6      7+  
%     6%    5%    4%    3%    2%    1%    0  
N/A
Optional LiveWell® Value Endorsement5 N/A N/A Selecting the LiveWell Value Endorsement reduces your fees in exchange for a surrender charge. Available for ages 0-85. Must elect at issue.

1 Excessive Trading Policy: more than one "round trip" involving the same investment option within a 60-calendar-day period is considered excessive trading. Please review the LiveWell® Variable Annuity Product Prospectus.

2 Separate Account Annual Expenses include Mortality and Expense (M&E) and Asset Based Administration Charges.

3 Dollar-Cost Averaging does not assure a profit or protect against loss in a declining market. Such a plan involves continuous investment in securities, regardless of fluctuating price levels of such securities. Investors should consider their financial ability to continue purchases through periods of low price levels.

4 When you make a contribution, including a rollover contribution within six months of opening your IRA, Sammons Retirement Solutions® 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).

5 Must be elected at issue and fees apply for the life of the contract.

Investing in mutual funds and variable annuities involves risk, including potential loss of investment. You and your client 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 or your client can 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.

Securities distributed by Sammons Financial Network® LLC, member FINRA. Sammons Retirement Solutions® Inc. provides administrative services. Sammons Financial Network® LLC and Sammons Retirement Solutions are affiliated companies and indirect wholly owned subsidiaries of Sammons Enterprises, Inc. of Dallas, Texas.

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Investing in mutual funds and variable annuities involves risk, including potential loss of investment. You and your client 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 or your client can 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.

Securities distributed by Sammons Financial Network® LLC, member FINRA. Insurance products are issued by Midland National® Life Insurance Company (West Des Moines, IA). Sammons Retirement Solutions® Inc. provides administrative services. Sammons Financial Network® LLC, Midland National® Life Insurance Company, and Sammons Retirement Solutions are affiliated companies and indirect wholly owned subsidiaries of Sammons Enterprises, Inc. of Dallas, Texas.

Please click the links below to view important product-specific disclosures:

LiveWell® Mutual Fund IRA | LiveWell® Plus Mutual Fund IRA | LiveWell® 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.

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.

FOR INSTITUTIONAL USE ONLY. NOT INTENDED FOR CONSUMER SOLICITATION PURPOSES.