Why Choose Midland National?

Stability

Midland National has been in business since 1906 and is privately held — not publicly owned or traded. Midland National's private ownership allows us to focus on long-term results and makes us less susceptible to the short-term earnings pressures and expectations of Wall Street.

Strength1

Integrity

Because we are less susceptible to the short-term earnings pressures and expectations of Wall Street, Midland National has the ability to make long-term decisions that are good for everyone. For example, Midland National has a history of adding enhanced benefits to new sales and existing policies.

Broad Range of Competitive Products

Midland National has a full range of product lines – Universal Life, Whole Life, Term — with a range of market-specific products in each line and unique, competitive compensation structures.

Relationship-driven Service and Support

Midland National's private ownership and employee-shareholders means that you get service like it used to be (personal and conscientious) but also support like it needs to be (sophisticated and proficient). When you call Midland National, you reach a live person - not an automated system. You can talk directly to the departments and individuals you need. Our sophisticated support tools include real-time Pending Business Reports that give you access to vital information 24/7.

A.M. Best is a large third party independent reporting and rating company that rates companies on the basis of their financial strength, operating performance, and ability to meet obligations to policyholders. Best's ratings range from A++ (Superior) to F (Liquidation). A+ is the second highest rating out of 15 categories and was assigned to Midland National on January 4, 2008. For the latest rating, access www.ambest.com.

Standard & Poor's Corporation, another highly respected rating firm, rates companies on the basis of claims-paying ability, capitalization, earnings track record, and level of asset risk. S&P's ratings range from AAA to CC. Standard and Poor's awarded its "AA-" rating for insurer financial strength on December 5, 2006, to Midland National as part of the Sammons Financial Group. The AA- rating, which is the fourth highest out of 22, reflects the financial strength of Midland National Life Insurance Company and North American Company for Life and Health Insurance, members the Sammons Financial Group.

TheStreet.com Safety Ratings is an independent rating firm that rates companies on the basis of fiscal strength. TheStreet.com Ratings range from A+ to F. Midland National's A- rating is the third highest of 16 and places Midland National on TheStreet.com Recommended List of Companies, an elite group of 70 life and health insurance companies representing the top 7.4% of the industry. TheStreet.com Ratings is a wholly owned subsidiary of TheStreet.com Inc. (Nasdaq: TSCM). It is an independent third-party ratings firm that determines ratings based on public information. Midland National does not provide any additional information to TheStreet.com.

The 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.