Policyholder value requires financial strength, quality service, and product intelligence. Midland National has excelled in all of these areas.

Midland National consistently earns high ratings:

A+ (Superior) from A.M. Best 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 contract holders. (A+ is the second highest rating out of 15.) AA- (Very Strong) Rating from Standard & Poor's Standard and Poor's awarded its "AA" rating for insurer financial strength on December 5, 2006, to Midland National as part of Sammons Financial Group. The AA- rating, which is the fourth highest out of twenty-two, reflects Sammons Financial Group's (which is comprised of North American Company for Life and Health Insurance and Midland National Life Insurance Company) financial strength. A- (Excellent) from Weiss Ratings Weiss Ratings is an independent third-party rating firm that rates on the basis of financial strength. Weiss Ratings range from A+ to F, and Midland National's A- rating is the third highest out of 16, placing Midland National on the Weiss' Recommended List. AA- (Very Strong) from Fitch Ratings Fitch is a leading global rating agency committed to providing the world's credit markets with independent, timely and prospective credit opinions. Fitch's insurer financial strength ratings range from AAA to D. The AA- rating is the 4th highest rating out of 24 rating categories. Ward's 50 Benchmark Group Ward's 50 Benchmark Group is derived from an in-depth analysis completed by the Ward Group, a Cincinnati-based management consulting firm specializing in the insurance industry.

Our products have consistently earned high rankings in the industry (whether in terms of premium or in terms of cash-value performance).

Midland National is a member of the Insurance Marketplace Standards Association, which requires policies and procedures that demonstrate a commitment to honesty, fairness, and integrity in all aspects of the individual life insurance and annuity business.

The above ratings apply to Midland National LIfe's financial strength and claims paying ability. These ratings do not apply to the safety or performance of the variable accounts which will fluctuate in value.