The Protected Flexibility Rider (PFR) takes flexibility to a new level by enabling your clients to change their policy's primary objectives after issue by choosing between two benefits:

1. Protected Death Benefit and
2. Overloan Protection

• Say, for example, you have a client who is not initially interested in long-term death-benefit guarantees but then has a child or buys a house.
• No need to worry or look for new coverage. With the PFR, your clients can guarantee a portion of the death benefit even if the policy's original No-Lapse Guarantee period has expired.
• Alternatively, clients can maximize use of the policy's cash value while protecting a portion of the death benefit (and thereby protecting themselves from the negative tax consequences of policy lapse).

Overloan Protection
The Overloan Option of the Protected Flexibility Rider guarantees that during the Overloan Protection Period, the policy will not lapse due to a large outstanding loan and will remain in force until the insured's death, subject to rider requirements. As a result, this benefit helps prevent the tax consequences that would result if the policy were to lapse.

• Midland National will notify the policyowner when the policy is in danger of being over-loaned.
• The Overloan Protection Option can be elected at no cost - enabling client to have his/her policy guaranteed to stay in force!

Protected Death Benefit
Through the Protected Death Benefit (PDB) option of the rider, the policyowner can utilize cash-value growth to guarantee a portion of the death benefit while still having access to the remaining cash value. This option is useful when a policyowner utilizes the policy for income but still desires some death-benefit protection.

Benefits

1. Your client can take a non-guaranteed policy and establish a protected death benefit that is guaranteed not to lapse (after issue, without underwriting and free of charge).
2. Your client can create additional disposable income by eliminating future premium payments and accessing available policy funds.
3. Your client can take income via withdrawals and loans without losing the protected death benefit.
4. Your client can maintain the flexibility of the original contract since there is no charge for the benefit. (Upon election, the total cash value and the death benefit remain unchanged.)

The amount of the Protected Death Benefit can be specified by the policyowner or automatically calculated when the policyowner selects Model A, B or C below:

• Model A (Value): This model seeks a cost-effective blend of Protected Death Benefit and cash-value access beginning at the election age.
• Model B (Income): This model seeks to maximize access to cash-value accumulation beginning at the election age.
• Model C (Protection): This model seeks to maximize the policyowner's Protected Death Benefit beginning at the election age.

Quick Examples

• 45 year-old male
• Preferred Plus
• Needs $500,000 of additional death benefit
• Has $10,000/year he's willing to spend until age 66 Model

To learn more, call 800-843-3316, extension 32150, or e-mail us at SalesSupport@mnlife.com

^*The PDB provides the ability to "protect" a certain amount of your death benefit and is guaranteed to keep the policy in force provided you satisfy the provisions outlined in the Protected Flexibility Rider form.

ABR-C, ABR-T, and the PFR are issued on rider forms TR137, TR138 and TR129A, respectively, by Midland National Life Insurance Company, 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.

FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES.