Midland National's Ratings

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.)
  
  
• AA- (Very Strong) Rating from Standard & Poor’s
  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.
  
  
• A- (Excellent) from Weiss Ratings
  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.
  
  
• AA- (Very Strong) from Fitch Ratings
  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.

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.