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Sammons Institutional GroupSM, Inc. provides administrative services. Sammons Financial Network® LLC., Midland National® Life Insurance Company, and Sammons Institutional GroupSM, Inc. are wholly owned subsidiaries of Sammons® Financial Group, Inc. Sammons Retirement Solutions® and Midland Retirement Distributors® are marketing divisions of Sammons Institutional GroupSM, Inc. The term financial professional is not intended to imply engagement in an advisory business in which compensation is not related to sales. Financial professionals that are insurance licensed will be paid a commission on the sale of an insurance product. A surrender during the surrender charge period could result in a loss of premium. Surrender charge structure may vary by state. Surrender charges and Market Value Adjustments will reset for subsequent guarantee periods. See product brochure and disclosure for further information on re-entry, Market Value Adjustment, and other product features. The LiveWell® Guarantee Annuity is issued on base contract form AS144A/ICC15-AS144A or appropriate state variation including all applicable endorsements or riders. This product, its features and riders may not be available in all states. See product-specific disclosure for further details on benefits and limitations. 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 policyholders. S&P Global Ratings is an independent, third-party rating firm that rates on the basis of financial strength. Fitch Ratings is a global leader in financial information services and credit ratings. Ratings shown reflect the opinions of the rating agencies and are not implied warranties of the company’s ability to meet its financial obligations. The above ratings apply to Midland National’s financial strength and claims-paying ability. A) A.M. Best rating affirmed on August 7, 2019. For the latest rating, access B) Awarded to Midland National® as part of Sammons® Financial Group Inc., which consists of Midland National® Life Insurance Company and North American Company for Life and Health Insurance®. C) S&P Global Ratings’ rating assigned February 26, 2009 and affirmed on August 14, 2019. D) Fitch Ratings’ rating affirmed an Insurer Financial Strength rating of A+ Stable on April 9, 2020. The rating reflects the organization’s strong business profile, low financial leverage, very strong statutory capitalization, and strong operating profitability supported by strong investment performance. For more information access