Becoming a Fixed Agent

The number one goal at Midland National is serving our customers. By excelling at providing customer service for both the contract holder AND the agent, our business will prosper...for our company and our employees. How do we serve our customers in a superior way and differentiate our business from others? Here's how...

Agent/Policyholder Value

Midland National is able to deliver the best possible value in products and features along with paying competitive commissions through our "Agent Direct" distribution system.

Annual Agent Conventions

Midland National prides itself in sending our agents to fun and interesting destinations each year. Past convention sites have included Vienna, San Francisco, London, Palm Beach and Maui. The 2007 convention will be held in Sydney, Australia.

Asset-Based Trail Commissions

Midland National offers multiple asset-based trail commission options for all of its deferred annuity products. You control how much compensation you receive today and tomorrow.

High Industry Ratings

Midland National has consistently earned high industry ratings.

A+ (Superior) from A.M. Best¹
AA- (Very Strong) from Standard & Poors²
A- (Excellent) from Weiss Ratings³
AA- (Very Strong) from Fitch Ratings⁴

Agent Interactive Web Site

Experience Midland National's service 24 hours a day, seven days a week. Check your pending business, commission statements, convention information and more!

Deferred Compensation Program

Reduce the compensation reported on your 1099! Qualify for this program, and you may elect to defer up to 99% of your compensation.

Daily Commissions

We pay every day through EFT! If business is processed today, a deposit is made tomorrow.

Renewal Rate Integrity

A large part of the value Midland National provides involves not only strong first-year contract values, but also fair and competitive renewal rates. Midland National pledges to maintain a renewal policy that can be easily understood by your clients; you can be confident that you won't be embarrassed by poor renewal rate showings.

"Velvet Touch" Service

Midland National has a dedicated transfer unit that sends out all transfer paperwork via 2nd day mail, and quickly delivers your contracts back to you.

Experience the rewards of superior service and support for you and your clients!

Follow these Seven Easy Steps to contract today:

Complete a Contract Application (6455Y) in its entirety.

If you are contracting your corporation, include both your personal name and Social Security Number as well as the corporation's name and Taxpayer ID Number.
If you have a Broker/Dealer, include their information even if you wish to contract for fixed annuities only.
If hiring subagents, also include the completed Transmittal (6821Y).
If you are in California, complete the California Credit Authorization (9043Y) form.

Include proof of Errors and Omissions coverage (declaration page).
Once you are notified from Midland with your Login and Password, please log into http://mnlife.agentcertification.com to take the certification exam.
Anti-Money Laundering (AML) Requirement: Please complete the required training for Anti-Money Laundering. Visit https://www.mnlife.com/AML to obtain your user id and password. You will need to enter your Midland National assigned agent number and SSN/TIN. You will then be directed to a LIMRA sponsored website to complete the AML training. Midland National will be notified once the training is successfully completed.
Download and read the procedures outlined in the Compliance Manual (8943Y) and Understanding Your Client's Needs Guide (8942Y). Agents in Texas will need to read the Texas-specific version: Understanding Your Client's Needs Guide (8942Y-42).
We recommend you have your commissions deposited directly into your bank account. Please send a completed Authorization Direct Deposit (6772Y) form along with a voided check for us to set this up for you.
You may fax these required documents to Agent Contracting Services at 877-586-0248.

NOTE: If you are submitting a New Business application, please complete the above requirements prior to meeting with the client. This will ensure your future business will flow more smoothly.

Spring Solicitation Check List

Check resident/non-resident license status in the state you intend on conducting business
Are you planning on conducting business in an immediate contract state?
Be aware of contract status with Midland National before soliciting annuity business
You must be contracted with the Midland National Annuity Division before you solicit business in:
- Georgia
- Pennsylvania
- Washington

If you have any questions please call us at (877) 586-0241.

FOR AGENT USE ONLY. NOT INTENDED FOR CONSUMER USE.

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.)
Standard & 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.
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 Weiss’ Recommended List.
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.