Tune in to hear more about Midland National’s RECORD-BREAKING year, including:What sets our fan-favorite products apart from the competitionMidland National's recruitment, and why agents are drawn to choose usA deep dive into what’s happening in the field, and much moreSammons Financial® is the marketing name for Sammons® Financial Group, Inc.’s member companies, including Midland National® Life Insurance Company. Annuities and life insurance are issued by, and product guarantees are solely the responsibility of, Midland National Life Insurance Company.Neither Midland National® Life Insurance Company, nor any financial professionals acting on its behalf, should be viewed as providing legal, tax or investment advice. Your client should be advised to rely on their own qualified tax professional.Advisor is used in this presentation in replace of a Financial Professional who sells annuities and or life insurance.The MNL Income Planning Annuity® 10 is issued on base contract form AS200A/ICC19-AS200A or appropriate state variation including all applicable endorsements and riders.MNL IndexBuilder® is a fixed index annuity issued on base contract form AS145A/ICC16-AS145A.MVA or appropriate state variation including all applicable endorsements and riders.1. Premium bonus and enhanced premium bonus may vary by annuity product, premium band and surrender charge period selected and may be subject to a premium bonus and enhanced premium bonus recapture. Products that have premium bonuses may offer lower credited interest rates, lower index cap rates, lower participation rates and/or greater index margins than products that don’t offer a premium bonus. Over time and under certain scenarios the amount of the premium bonus and enhanced premium bonus may be offset by the lower credited interest rates, lower index cap rates, lower participation rates and/or greater index margins. The premium bonus and enhanced premium bonus are not recaptured in the event of death of the annuitant. No premium bonus or enhanced premium bonus recapture will occur on any penalty-free withdrawal amount under the nursing home confinement waiver or on any rider charge.2. Rider cost is 0.95% of accumulation value at each contract anniversary during the surrender charge period. Rider charge may vary by state.Apple Inc., and Spotify are independent third-party companies and are not affiliated with Midland National® Life Insurance Company. The Company does not endorse or promote any one platform: you should consider those that best support your business model and technology resources.36270Y

Tune in as Tyler Brown, Director of Government Affairs, provides an update on the newest Fiduciary Rule, including a high-level overview of what the new Fiduciary Rule is, what the Five-Part Test for Fiduciary Status and why it’s so important, and an explanation of the rule-making process, and when to expect a final rule.Sammons Financial® is the marketing name for Sammons® Financial Group, Inc.’s member companies, including Midland National® Life Insurance Company. Annuities and life insurance are issued by, and product guarantees are solely the responsibility of, Midland National Life Insurance Company.Neither Midland National® Life Insurance Company, nor any financial professionals acting on its behalf, should be viewed as providing legal, tax or investment advice. Your client should be advised to rely on their own qualified tax professional.Advisor is used in this presentation in replace of a Financial Professional who sells annuities and or life insurance.Apple Inc., and Spotify are independent third-party companies and are not affiliated with Midland National® Life Insurance Company. The Company does not endorse or promote any one platform: you should consider those that best support your business model and technology resources.

Listen in as Cody Lodermeier, Regional Onboarding Manager, shares some of the most common misconceptions or myths about FIAs and how our agents can help their clients benefit from them.---FOR FINANCIAL PROFESSIONAL USE ONLY. NOT INTENDED FOR CONSUMER SOLICITATION PURPOSES.Sammons Financial® is the marketing name for Sammons® Financial Group, Inc.’s member companies, including Midland National® Life Insurance Company. Annuities and life insurance are issued by, and product guarantees are solely the responsibility of, Midland National Life Insurance Company.Neither Midland National® Life Insurance Company, nor any financial professionals acting on its behalf, should be viewed as providing legal, tax or investment advice. Your client should be advised to rely on their own qualified tax professional.Fixed index annuities are not a direct investment in the stock market. They are long term insurance products with guarantees backed by the issuing company. They provide the potential for interest to be credited based in part on the performance of specific indices, without the risk of loss of premium due to market downturns or fluctuation. Although fixed index annuities guarantee no loss of premium due to market downturns, deductions from the accumulation value for optional benefit riders or strategy fees or charges associated with allocations to enhanced crediting methods could exceed interest credited to the accumulation value, which would result in loss of premium. They may not be appropriate for all clients. Interest credits to a fixed index annuity will not mirror the actual performance of the relevant index.1.        Product features, riders and index options may not be available in all states or on all products.MNL IndexBuilder® base contract form AS145A/lCC16-AS145A.MVA or appropriate state variation is issued by Midland National, West Des Moines, IA. This product, its features and riders may not be available in all states.  Apple Inc., and Spotify are independent third-party companies and are not affiliated with Midland National® Life Insurance Company. The Company does not endorse or promote any one platform: you should consider those that best support your business model and technology resources.

Listen in as Associate Vice President of Strategic Marketing, Isaac Norton, shares more on our latest research endeavor, Project Apex, and how it can motivate and guide our agents, advisors, and financial professionals.Listen to part 1 here.---FOR FINANCIAL PROFESSIONAL USE ONLY. NOT INTENDED FOR CONSUMER SOLICITATION PURPOSES.Sammons Financial® is the marketing name for Sammons® Financial Group, Inc.’s member companies, including Midland National® Life Insurance Company. Annuities and life insurance are issued by, and product guarantees are solely the responsibility of, Midland National Life Insurance Company.Neither Midland National® Life Insurance Company, nor any financial professionals acting on its behalf, should be viewed as providing legal, tax or investment advice. Your client should be advised to rely on their own qualified tax professional.   This Sammons Financial research study was conducted in two phases between November 2022 and January 2023. Phase 1 consisted of in-depth phone interviews among 20 top producing agents. Phase 2 was an online survey exercise comprised of 309 life insurance and annuity agents, both sampled from the general insurance market and Sammons Financial member company agents. Analysis is for educational purposes only. The experience of the participants of the 2023 Sammons Financial Research Study may not be representative of the experience of all. Be sure to follow all applicable advertising guidelines. Agents interviewed sell more than annuities/life insurance and statements provided may not apply directly to the sale of these products.Advisor is used in this presentation in replace of a Financial Professional who sells annuities and or life insurance.The opinions and ideas expressed by the agents surveyed do not reflect the views and opinions of Midland National. Their testimonials are not indicative of future performance or success and may not be representative of the experience of other clients or agents. The agents are independently contracted with Midland National and receive commissions on the sales of Midland National insurance products. They were not compensated for their endorsement.As independent financial professionals, it is up to you to choose whether any of the sales concepts contained in these materials might be appropriate for use with your particular sales strategy and clients.  Please note that Midland National does not require you to use any of these sales concepts; they are resources that can be used at your discretion for your own individualized sales presentations if appropriate for the particular client and circumstances. Fixed index annuities are not a direct investment in the stock market. They are long term insurance products with guarantees backed by the issuing company. They provide the potential for interest to be credited based in part on the performance of specific indices, without the risk of loss of premium due to market downturns or fluctuation. Although fixed index annuities guarantee no loss of premium due to market downturns, deductions from the accumulation value for optional benefit riders or strategy fees or charges associated with allocations to enhanced crediting methods could exceed interest credited to the accumulation value, which would result in loss of premium. They may not be appropriate for all clients. Interest credits to a fixed index annuity will not mirror the actual performance of the relevant index.Apple Inc., and Spotify are independent third-party companies and are not affiliated with Midland National® Life Insurance Company. The Company does not endorse or promote any one platform: you should consider those that best support your business model and technology resources.

Listen as Lori Seaton, Director of Strategic Business Development, discusses her article 'Income Planning: Child’s Play?' and why it’s important for agent’s clients not to play games with their retirement.---FOR FINANCIAL PROFESSIONAL USE ONLY. NOT INTENDED FOR CONSUMER SOLICITATION PURPOSES.Sammons Financial® is the marketing name for Sammons® Financial Group, Inc.’s member companies, including Midland National® Life Insurance Company. Annuities and life insurance are issued by, and product guarantees are solely the responsibility of, Midland National Life Insurance Company.Neither Midland National® Life Insurance Company, nor any financial professionals acting on its behalf, should be viewed as providing legal, tax or investment advice. Your client should be advised to rely on their own qualified tax professional.1.       Source: Plante Moran blog – September 11, 2023Fixed index annuities are not a direct investment in the stock market. They are long term insurance products with guarantees backed by the issuing company. They provide the potential for interest to be credited based in part on the performance of specific indices, without the risk of loss of premium due to market downturns or fluctuation. Although fixed index annuities guarantee no loss of premium due to market downturns, deductions from the accumulation value for optional benefit riders or strategy fees or charges associated with allocations to enhanced crediting methods could exceed interest credited to the accumulation value, which would result in loss of premium. They may not be appropriate for all clients. Interest credits to a fixed index annuity will not mirror the actual performance of the relevant index.Apple Inc., and Spotify are independent third-party companies and are not affiliated with Midland National® Life Insurance Company. The Company does not endorse or promote any one platform: you should consider those that best support your business model and technology resources.

Listen in as Associate Vice President of Strategic Marketing, Isaac Norton, shares more on our latest research endeavor, Project Apex, and how it can motivate and guide our agents, advisors, and financial professionals.---FOR FINANCIAL PROFESSIONAL USE ONLY. NOT INTENDED FOR CONSUMER SOLICITATION PURPOSES.Sammons Financial® is the marketing name for Sammons® Financial Group, Inc.’s member companies, including Midland National® Life Insurance Company. Annuities and life insurance are issued by, and product guarantees are solely the responsibility of, Midland National Life Insurance Company.Neither Midland National® Life Insurance Company, nor any financial professionals acting on its behalf, should be viewed as providing legal, tax or investment advice. Your client should be advised to rely on their own qualified tax professional.This Sammons Financial research study was conducted in two phases between November 2022 and January 2023. Phase 1 consisted of in-depth phone interviews among 20 top producing agents. Phase 2 was an online survey exercise comprised of 309 life insurance and annuity agents, both sampled from the general insurance market and Sammons Financial member company agents. Analysis is for educational purposes only. The experience of the participants of the 2023 Sammons Financial Research Study may not be representative of the experience of all. Be sure to follow all applicable advertising guidelines. Agents interviewed sell more than annuities/life insurance and statements provided may not apply directly to the sale of these products.Advisor is used in this presentation in replace of a Financial Professional who sells annuities and or life insurance.All survey responses were submitted anonymously with permission to use in advertising. The opinions are their own and not necessarily those of Midland National.The opinions and ideas expressed by the agents surveyed do not reflect the views and opinions of Midland National. Their testimonials are not indicative of future performance or success and may not be representative of the experience of other clients or agents. The agents are independently contracted with Midland National and receive commissions on the sales of Midland National insurance products. They were not compensated for their endorsement.As independent financial professionals, it is up to you to choose whether any of the sales concepts contained in these materials might be appropriate for use with your particular sales strategy and clients.  Please note that the Midland National does not require you to use any of these sales concepts; they are resources that can be used at your discretion for your own individualized sales presentations if appropriate for the particular client and circumstances.Fixed index annuities are not a direct investment in the stock market. They are long term insurance products with guarantees backed by the issuing company. They provide the potential for interest to be credited based in part on the performance of specific indices, without the risk of loss of premium due to market downturns or fluctuation. Although fixed index annuities guarantee no loss of premium due to market downturns, deductions from the accumulation value for optional benefit riders or strategy fees or charges associated with allocations to enhanced crediting methods could exceed interest credited to the accumulation value, which would result in loss of premium. They may not be appropriate for all clients. Interest credits to a fixed index annuity will not mirror the actual performance of the relevant index.Apple Inc., and Spotify are independent third-party companies and are not affiliated with Midland National® Life Insurance Company. The Company does not endorse or promote any one platform: you should consider those that best

Listen as Lori Seaton, Director of Strategic Business Development, and Lauren Jackson, Strategic Product Consultant, share more about what sets IndexBuilder® apart and how it can help clients plan for the ‘what ifs’ they may face in retirement.Click here for the IndexBuilder® Webinar Link---FOR FINANCIAL PROFESSIONAL USE ONLY. NOT INTENDED FOR CONSUMER SOLICITATION PURPOSES.Sammons Financial® is the marketing name for Sammons® Financial Group, Inc.’s member companies, including Midland National® Life Insurance Company. Annuities and life insurance are issued by, and product guarantees are solely the responsibility of, Midland National Life Insurance Company.Neither Midland National® Life Insurance Company, nor any financial professionals acting on its behalf, should be viewed as providing legal, tax or investment advice. Your client should be advised to rely on their own qualified tax professional.Fixed index annuities are not a direct investment in the stock market. They are long term insurance products with guarantees backed by the issuing company. They provide the potential for interest to be credited based in part on the performance of specific indices, without the risk of loss of premium due to market downturns or fluctuation. Although fixed index annuities guarantee no loss of premium due to market downturns, deductions from the accumulation value for optional benefit riders or strategy fees or charges associated with allocations to enhanced crediting methods could exceed interest credited to the accumulation value, which would result in loss of premium. They may not be appropriate for all clients. Interest credits to a fixed index annuity will not mirror the actual performance of the relevant index.MNL IndexBuilder® is a fixed index annuity issued on base contract form AS145A/ICC16-AS145A.MVA or appropriate state variation including all applicable endorsements and riders.*Enhanced crediting methods in exchange for a strategy charge. ABR not available in CA and VT. 1. Premium bonus and enhanced premium bonus may vary by annuity product, premium band and surrender charge period selected and may be subject to a premium bonus and enhanced premium bonus recapture. Products that have premium bonuses may offer lower credited interest rates, lower index cap rates, lower participation rates and/or greater index margins than products that don’t offer a premium bonus. Over time and under certain scenarios the amount of the premium bonus and enhanced premium bonus may be offset by the lower credited interest rates, lower index cap rates, lower participation rates and/or greater index margins. The premium bonus and enhanced premium bonus are not recaptured in the event of death of the annuitant. No premium bonus or enhanced premium bonus recapture will occur on any penalty-free withdrawal amount under the nursing home confinement waiver or on any rider charge.2. Rider cost is 0.95% of accumulation value at each contract anniversary during the surrender charge period. Rider charge may vary by state.3. Known as a strategy fee annual percentage in the contract. In exchange for the charge, an enhanced participation rate is received. The charge is multiplied by the number of years in the crediting term and is deducted once each term from the accumulated value allocated to the enhanced participation rate method. The charge will be deducted once each term at the earliest of any partial withdrawal that exceeds the penalty-free amount, a full surrender or the end of the term. The strategy charge will be deducted regardless of the interest credited to the contract and can lead to loss of premium in certain scenarios. Strategy charges are considered a partial surrender outside of the available penalty-free amount and fo

Listen as Sarah Theis, Vice President and Chief Strategy Officer, shares more information on how agents can help save the day for their clients by signing up for Midland+ text notifications. Click Here for the Midland+ Flyer (log-in required):  http://www.midlandnational.com/documents/35453/f54c9b28-f204-1f1d-e95c-c37e7321c43a ---FOR FINANCIAL PROFESSIONAL USE ONLY. NOT INTENDED FOR CONSUMER SOLICITATION PURPOSES.Sammons Financial® is the marketing name for Sammons® Financial Group, Inc.’s member companies, including Midland National® Life Insurance Company. Annuities and life insurance are issued by, and product guarantees are solely the responsibility of, Midland National Life Insurance Company.Neither Midland National® Life Insurance Company, nor any financial professionals acting on its behalf, should be viewed as providing legal, tax or investment advice. Your client should be advised to rely on their own qualified tax professional.Apple Inc., and Spotify are independent third-party companies and are not affiliated with Midland National® Life Insurance Company. The Company does not endorse or promote any one platform: you should consider those that best support your business model and technology resources.

Listen as Mike Pietig, Vice President of Annuity New Business & Suitability Operations shares more information about the Annuity e-Biz rebrand, formerly known as Annuity e-App, and how some of its new features can help benefit agents and their book of business. ---Sammons Financial® is the marketing name for Sammons® Financial Group, Inc.’s member companies, including Midland National® Life Insurance Company. Annuities and life insurance are issued by, and product guarantees are solely the responsibility of, Midland National Life Insurance Company.Neither Midland National® Life Insurance Company, nor any financial professionals acting on its behalf, should be viewed as providing legal, tax or investment advice. Your client should be advised to rely on their own qualified tax professional.Apple Inc., and Spotify are independent third-party companies and are not affiliated with Midland National® Life Insurance Company. The Company does not endorse or promote any one platform: you should consider those that best support your business model and technology resources.

Listen to Kevin Mechtley, VP of business development and chief innovation officer, discuss his article 'The Sword or the Shield?' and how agents can help win the “new longevity. You can access the full article here.---Sammons Financial® is the marketing name for Sammons® Financial Group, Inc.’s member companies, including Midland National® Life Insurance Company. Annuities and life insurance are issued by, and product guarantees are solely the responsibility of, Midland National Life Insurance Company.Neither Midland National® Life Insurance Company, nor any financial professionals acting on its behalf, should be viewed as providing legal, tax or investment advice. Your client should be advised to rely on their own qualified tax professional.Apple Inc., and Spotify are independent third-party companies and are not affiliated with Midland National® Life Insurance Company. The Company does not endorse or promote any one platform: you should consider those that best support your business model and technology resources.Fixed index annuities are not a direct investment in the stock market. They are long term insurance products with guarantees backed by the issuing company. They provide the potential for interest to be credited based in part on the performance of specific indices, without the risk of loss of premium due to market downturns or fluctuation. Although fixed index annuities guarantee no loss of premium due to market downturns, deductions from the accumulation value for optional benefit riders or strategy fees or charges associated with allocations to enhanced crediting methods could exceed interest credited to the accumulation value, which would result in loss of premium. They may not be appropriate for all clients. Interest credits to a fixed index annuity will not mirror the actual performance of the relevant index.