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.) A+ (Strong) Rating from Standard & Poor's Standard and Poor's awarded its "A+" (Strong) rating for insurer financial strength on February 26, 2009 to Midland National Life Insurance Company as part of the Sammons Financial Group. The "A+"(Strong) rating, which is the fifth highest out of 22 available ratings, reflects the financial strength of Midland National and North American Company for Life and Health Insurance, members of the Sammons Financial Group. 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. Ward's Top 50 Article -

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.