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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.

Strength

A+ (Superior) from A.M. Best since 1979 ¹
AA- (Very Strong) from Standard & Poor's Corporation ²
A- (Excellent) from Weiss Ratings ³
Included in the Ward's 50 Benchmark Group of Top Performing Life Insurance Companies⁴

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 - Indexed Universal Life, Universal Life, Whole Life, Term, Variable Universal Life - 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 with employee-shareholders translates into the personal and conscientious service of employees who act like owners. 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, including your underwriter. Our sophisticated support tools include real-time Pending Business Reports that give you access to vital information 24/7.

Why Choose Midland National's XL [Indexed Universal Life] products?

Midland National Indexed Universal Life portfolio offers a combination of features unlike any in the market:

11 index selections - four index selections with NO CAP⁵
Index growth participation rates as high as 115 percent⁵
Three percent Minimum Policy Fund Value
A Systematic Premium Allocation program
Rolling Targets
Products appropriate for a wide range of markets, including non-qualified deferred compensation, executive bonus and supplemental retirement income
Company rated A+ (Superior) by A.M. Best - since 1980!³

¹A.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. A+ is the second highest rating out of 15 categories and was assigned to Midland National Life Insurance Company on August 31, 2006. For the latest rating, access www.ambest.com.

²Standard & 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 (Very Strong) 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.

³Weiss Rating, Inc. 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 Weiss' Recommended List.

⁴The Ward's 50 Benchmark Group placement is derived from an in-depth analysis completed by the Ward Group, a Cincinnati-based management consulting firm specializing in the insurance industry.

⁵The No-Cap Index Rate and 115 percent Index Participation Rate are only available when the Daily Averaging crediting method is elected. These rates are based on current rates and are subject to change.

Midland National's, XL-EC, XL-DB, XL-CV2 indexed universal life insurance policies are issued on form series L129, L130, and L133, respectively, and the Premium Guarantee Rider is issued on form series TR126 by Midland National Life Insurance Company, Executive Office, Sioux Falls, SD. Products, features or riders may not be available in all jurisdictions. Limitations or restrictions may apply. Indexed Universal Life products are not an investment in the "market" or in the applicable index and are subject to all policy fees and charges normally associated with most universal life insurance. Surrenders made during a Surrender Charge Period may reduce the death benefit and cash value.