What products does Midland National offer?

The lineup typically includes fixed indexed annuities (with various index strategies and optional income riders), multi-year guaranteed annuities (MYGAs), immediate and deferred income annuities, and life insurance options such as term and indexed universal life. Availability varies by state.

Will Midland National have the highest payout for my case?

Not always. Payouts and rates vary by product design, age, timing, and carrier pricing cycles. As an independent broker, we compare Midland National side-by-side with 100+ carriers to find the best fit for your goals.

How do I compare Midland National to other carriers?

Request an apples-to-apples quote comparing surrender schedules, caps/participation rates, rider costs and rules, and guaranteed income. We’ll provide transparent side-by-side results so you can see which company offers the strongest value for your situation.

Is Midland National a Good Insurance Company?

Q: Is Midland National a good insurance company?

Midland National is widely regarded as a financially strong insurer with a long operating history. Whether it is the best fit for you depends on the specific product, payout design, state availability, and current pricing relative to competitors.

Q: How strong are Midland National’s financial ratings?

Midland National carries high-grade financial strength ratings from major agencies as part of Sammons Financial Group. Exact ratings can change over time; we verify current figures when preparing your quotes.

Q: Are complaint levels a concern?

Public regulatory data and third-party summaries generally show complaint experience at or below industry norms in recent years. We can share the most recent figures for your state during a consultation.

Is Midland National a Good Insurance Company?

Are you considering purchasing a life insurance or annuity policy, and wondering if Midland National is a good insurance company? This review covers financial strength, product lineup, pros and cons, and how to compare Midland National against alternatives so you can decide with confidence.

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Is Midland National a Good Insurance Company? Ratings & Stability

Financial strength: Midland National holds strong financial ratings from major agencies as part of Sammons Financial Group.
Ownership & history: Member company of Sammons Financial Group; privately held and employee-owned focus on long-term stability.
Complaint levels: Public regulatory data and third-party reviews show complaint volumes at or below industry baselines in recent years.

Exact ratings and complaint indices vary over time by agency and line of business; we’ll verify current figures in your custom quotes.

Midland National Products: Life Insurance & Annuities

Fixed Indexed Annuities (FIAs): Principal protection with index-linked interest, optional premium bonuses, and income riders on select contracts.
Fixed (MYGA) Annuities: Multi-year guaranteed rates for simple, predictable growth.
Immediate & Deferred Income Annuities: Turn a lump sum into guaranteed monthly income now or later.
Life Insurance: Term and indexed universal life options for protection and potential cash value.

Check Income & Annuity Options in Minutes

Use the tool below to explore guaranteed lifetime income illustrations. We’ll confirm state availability, rates, and riders in your personalized quote.

Pros & Cons: Is Midland National Right for You?

Pros	Cons
Strong financial strength ratings and long operating history. Broad FIA menu with multiple index choices and optional income riders. Competitive MYGA and SPIA options depending on state and timing. Lower-than-average complaint experience in several third-party reviews.	Features, caps/participation rates, and rider rules vary by state and contract. Some income riders carry ongoing fees and benefit limits. Best-priced product may come from a different carrier at the time you buy.

When Midland National Can Be a Good Fit

You want principal protection with index-linked growth potential (FIA).
You prefer simple guaranteed rates (MYGA) with tax-deferred growth.
You need monthly income now (SPIA) or plan to start income later (DIA/GLWB).
You’re considering indexed universal life for flexible protection and potential cash value.

How We Compare Midland National to Other Carriers

Apples-to-apples quotes: We line up surrender schedules, caps/participation, rider costs, and guarantees across 100+ carriers.
Income planning: We coordinate annuity income with lifetime income planning and Social Security timing.
Transparent options: If another carrier beats Midland National for your case, we’ll show you—side by side.

Helpful resources:

FAQs: Is Midland National a Good Insurance Company?

How strong are Midland National’s financial ratings?

Midland National carries strong, high-grade ratings from major agencies. Exact ratings change over time; we’ll confirm the latest in your quotes.

What types of annuities does Midland National offer?

Fixed indexed annuities, fixed (MYGA) annuities, and income annuities. Availability varies by state and product cycle.

Are complaint levels a concern?

Regulatory and third-party sources show complaint levels at or below industry norms in recent years; we can share current data during your consultation.

Will Midland National be the best option for me?

Maybe—but not always. Because we’re independent, we’ll show Midland National alongside other A-rated carriers and help you choose the best fit.

See Your Best Options—Midland National & Alternatives

Get side-by-side quotes for annuities and life insurance from 100+ carriers—objective and transparent.

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Guarantees are backed by the financial strength and claims-paying ability of the issuing insurer. Product features, rates, and availability vary by state and change over time. Not tax or legal advice.