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    Midland National Life


    IncomeVantage 14 (PA, HI)

       (RETIRED)

    A Fixed Indexed Annuity with a 14-year surrender period.
    This product is not available in *** *** *** *** *** *** *** *** ***

    Ratings
      A.M. Best :  A+   Fitch:  A+   Standard & Poor's:  A+  

    Rates
      Current Rates
    xx/xx/xxxx    		 Guaranteed
    Minimum Values
     Band $20,000+  Cap Spread Part Rate Cap Spread Part Rate
    1 Year DJIA Annual Point to Point   ***    ***   ***    ***   ***   *** 
    1 Year DJIA Daily Average   ***    ***   ***    ***   ***   *** 
    1 Year DJIA Monthly Average   ***    ***   ***    ***   ***   *** 
    1 Year London Gold Market Fixing Price   ***    ***   ***    ***   ***   *** 
    1 Year NASDA 100 Annual Point to Point   ***    ***   ***    ***   ***   *** 
    1 Year NASDAQ 100 Monthly Point to Point   ***    ***   ***    ***   ***   *** 
    1 Year S&P 500 Annual Point to Point   ***    ***   ***    ***   ***   *** 
    1 Year S&P 500 Daily Average   ***    ***   ***    ***   ***   *** 
    1 Year S&P 500 Inverse Performance Trigger Trigger: 3.20
    		  ***   ***    ***   ***   *** 
    1 Year S&P 500 Low VC Daily Risk Ctrl 5%   ***    ***   ***    ***   ***   *** 
    1 Year S&P 500 Monthly Average   ***    ***   ***    ***   ***   *** 
    1 Year S&P 500 Monthly Point to Point   ***    ***   ***    ***   ***   *** 
    1 year S&P MARC 5% ER Annual Point to Point Margin   ***    ***   ***    ***   ***   *** 
    1 Year S&P Midcap 400 Annual Point to Point   ***    ***   ***    ***   ***   *** 
    1 Year S&P Midcap 400 Daily Average   ***    ***   ***    ***   ***   *** 
    1 Year S&P Midcap 400 Monthly Average   ***    ***   ***    ***   ***   *** 
    2 Year S&P 500 Low VC Daily Risk Ctrl 8%   ***    ***   ***    ***   ***   *** 
    1 Year Fixed Account   (Rate guaranteed for 1 Year) *.** % *.** %
     Band $250,000+  Cap Spread Part Rate Cap Spread Part Rate
    1 Year DJIA Annual Point to Point   ***    ***   ***    ***   ***   *** 
    1 Year DJIA Daily Average   ***    ***   ***    ***   ***   *** 
    1 Year DJIA Monthly Average   ***    ***   ***    ***   ***   *** 
    1 Year London Gold Market Fixing Price   ***    ***   ***    ***   ***   *** 
    1 Year NASDA 100 Annual Point to Point   ***    ***   ***    ***   ***   *** 
    1 Year NASDAQ 100 Monthly Point to Point   ***    ***   ***    ***   ***   *** 
    1 Year S&P 500 Annual Point to Point   ***    ***   ***    ***   ***   *** 
    1 Year S&P 500 Daily Average   ***    ***   ***    ***   ***   *** 
    1 Year S&P 500 Inverse Performance Trigger Trigger: 3.70
    		  ***   ***    ***   ***   *** 
    1 Year S&P 500 Low VC Daily Risk Ctrl 5%   ***    ***   ***    ***   ***   *** 
    1 Year S&P 500 Monthly Average   ***    ***   ***    ***   ***   *** 
    1 Year S&P 500 Monthly Point to Point   ***    ***   ***    ***   ***   *** 
    1 year S&P MARC 5% ER Annual Point to Point Margin   ***    ***   ***    ***   ***   *** 
    1 Year S&P Midcap 400 Annual Point to Point   ***    ***   ***    ***   ***   *** 
    1 Year S&P Midcap 400 Daily Average   ***    ***   ***    ***   ***   *** 
    1 Year S&P Midcap 400 Monthly Average   ***    ***   ***    ***   ***   *** 
    2 Year S&P 500 Low VC Daily Risk Ctrl 8%   ***    ***   ***    ***   ***   *** 
    1 Year Fixed Account   (Rate guaranteed for 1 Year) *.** % *.** %

    State Specified Minimum Interest Rate: ****
    Premium Bonus
    - none -

    Policy Notes

    The @annuityname@ is a flexible premiu --[ subscription required to view full text ]--
    *** @***********@ ** * ******** ******* ******** ***** ***** ******* **** @***********@ ******** ** ******* * ****-**** ******** ** ********** ****** ******** ****** *** ** **** ******* ***** ** **** ** **********. *********** *** *** *** ******** ** ******* *** ********** ****** ********** ******* (****) ******* *** ****** ********** ******, ** *** ****** ** **** *********** ***** ** ********* *** **** *******, **** *** ********** *** **** ******* ** **** *******.

    *** @***********@ *** * @*******@ ********* ****** ****** *** **** *********** ******** ** *** ********* ****: *) ***** ** *** ****** ** *** ***** ******* ****** **** ******** ****, ******* *** **** ** ****** ******* *** ** ****** **********, ***/** *) * *********** ***** *******.

    Provisions
    Free Look Period: ****
    (Free look period may vary by state)
    Rate Lock Protection: ****
    Bail Out Provision Available: ***
    *** *** ***: ****
    Loan Provision Available: ***
    *** *** ***: ****
    Tax Sheltered: ***
    Market Value Adjustment: ***
    MRD: ***
    Front-End Fee: ***
    Annual Maintenance Fee: ***
    Return of Premium Available: ***
    Death Benefit is: *** ****
    Premiums
      Non-Qual Qualified
    Min Single Premium: **** *******
    Max Single Premium:
    Age < xx: **** *******
    Age > xx: **** *******
    Payroll Deduction: **** ****
    Min Added Premium: **** ****
    Flexible Premiums ******* : ****  
    Min Single Premium Impaired: ****** ******
    Min Single Premium Period Certain: ****** ******
    		 
    Age Restrictions
      Min Age Non-Qual Qualified
    Owner:   ***** *****
    Annuitant: ***** ***** *****
    Impaired:   ***** *****
    Annuitization Age:   ***** *****

    ***** ***** ***** ****** *** **** * ***** ****** *** ****** ***** ** ******** *** ***** ***** ***** ****** *** **** * ***** ***** ***** ***** ****** *** **** * *****


    Systematic Withdrawals


    Systematic withdrawals are ***** ** *** ****** ****
    *****************: **** ****** **** *****

    **** *** ***** ** $****.**
    *** *** ****** *** $****.**
    **** ***** ******* ***** ******* * ****** ***** ****

    State Specific Notes

    Two Year Point-to-Po --[ subscription required to view full text ]--
    *** **** *****-**-***** ********* ****** **** ***** ****** ** *** ********* ** **** ****: **, **

    MVA Explanation

    The @annuityname@ incl --[ subscription required to view full text ]--
    *** @***********@ ******** ** ******** **********, **** ** ******* **** ****** *** ********* ****** ****** ** **** ********** *** ** *** ******* ********* ** ****** ** *** ********** *******-**** ******* ********* ******. **** ********** *** ******** ** ******** *** ********* ***** ********* ** *** ****** ** ******** ***** ****** *** ****** ***** *** ********* **** *******.

    ****: *** ********** ** *** ******. ****** ** *****.

    Commissions
    Effective date of commission schedule: 05/07/2019
    Commissions are ******* ** ***** *** ** ******* **** ***** ******* **** ***** ****** **** **** ** ******* *****.
    IncomeVantage 14 (PA, HI)
    		Up to age 75 Year 1 Year 2 Year 3 Year 4 Year 5
    Initial Premium: **** **** **** **** ****
    Renewal Premiums: **** **** **** **** ****

    Option B

    IncomeVantage 14 (PA, HI)
    		Up to age 75 Year 1 Year 2 Year 3 Year 4 Year 5
    Initial Premium: **** **** **** **** ****
    Accumulation Value: **** **** **** **** ****
    Trail: Trail years ***+ is *****

    Option C

    IncomeVantage 14 (PA, HI)
    		Up to age 75 Year 1 Year 2 Year 3 Year 4 Year 5
    Initial Premium: **** **** **** **** ****
    Accumulation Value: **** **** **** **** ****
    Trail: Trail years ***+ is *****

    Option D

    IncomeVantage 14 (PA, HI)
    (All approved states)
    		 Up to age 75 Year 1 Year 2 Year 3 Year 4 Year 5
    Initial Premium: **** **** **** **** ****
    Trail: Trail years ***+ is *****

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