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 Cheapest Life Insurance USA

Midland National Life - Life Insurance

Midland National Life - A History of Success

A company's history can be a major indicator of its strength and stability in years to come:

  • Outlasting many in the industry, Midland National Life was founded in 1906 as Dakota Mutual Life Insurance Company, changing its name to Midland National Life in 1925.
  • In 1970, the Company recorded its first billion dollars of life insurance in force.
  • Today, Midland is licensed to operate in 49 states (New York is the only exception), the District of Columbia, and several areas beyond the United States.
  • Currently, the company has in excess of $61 billion of life insurance in force on over 675,000 policies.
  • Midland National Life is owned by Sammons Enterprises, Inc. of Dallas, Texas, one of the largest privately owned companies in America.
  • The Company ranks in the top two percent of all life insurance companies rated by Weiss Ratings for financial strength, and Midland National Life products have consistently earned high rankings in the industry.

Midland National Life - Term Life

Term life insurance policies are policies that provide affordable, temporary coverage. Term policies contain no cash value, are designed for pure protection, and are particularly suitable...

  • For protection against outstanding loans and debts for which family members or others may be responsible;
  • For families who feel they cannot currently afford a permanent policy but who need to protect their children from financial hardship due to the potential loss of a parent.
  • As a means of protecting against mortgage obligations
  • To guard against uninsurability in the future: If you buy term insurance now, you can continue this coverage even if you become uninsurable.
  • To provide coverage on other family members
  • To protect key people of a business in its formative years of growth
  • To purchase time _ time to increase your earnings so that the coverage can be converted to a permanent cash value life insurance policy without evidence of insurability

In addition to providing necessary coverage at an affordable rate, Term life insurance protects your insurability. By buying a convertible Term policy now, you can convert your policy to a permanent life insurance policy without providing evidence of insurability _ even if your health tomorrow is not as good as it is today.

Midland National Life - Universal Life

Universal Life is a flexible premium, adjustable life insurance product that provides you with the flexibility of choosing the policy features that are appropriate for you and of adjusting those features as your financial priorities and needs change.

  • When you are in the formative years of raising a family, for example, you can increase your policy's death benefit for extra needed protection.
  • When a child reaches the age of higher education, you can borrow or withdraw from the cash value of the policy to help you pay college expenses. *
  • When your family obligations are reduced, you can decrease your death benefit or increase your premiums up to specified maximums to build a cash value that can help you enjoy a retirement with dignity.

Because of its flexibility and choice, Universal Life could be the only choice you'll ever need for life insurance.

Midland National Life - Whole Life

Whole Life is the traditional form of permanent life insurance. It provides...

  • the certainty of level premiums;
  • a guaranteed interest rate; and
  • a guaranteed death benefit.

An ideal product for the young and the old, Whole Life provides the extra security of guaranteed protection at affordable rates, yet it maintains the element of cash value accumulation for pre- and post-retirement needs.

Current forms of Whole Life insurance enable policyowners to benefit from favorable experience and a strong economy by crediting excess interest to the policy. These "interest-sensitive" Whole Life policies are popular with individuals who value strong underlying guarantees but don't want to miss out on the opportunity for increased cash-value performance.

Like all forms of permanent life insurance, Whole Life may be converted into retirement income. When you reach retirement, you can use loans and withdrawals from the policy's cash value to purchase an annuity that can provide additional funds for your retirement needs. *

Midland National Life - Variable Life

Variable Universal Life is a flexible premium, adjustable life insurance policy. You can adjust the level of coverage; you can set the amount and timing of your premium payments; and you can use the cash value of the policy to meet other financial needs - including funding a college education and building additional retirement income.
In addition to offering you this flexibility, however, Variable Universal Life allows you to invest in stocks, bonds and money market instruments by choosing from among a number of Separate Account investment portfolios.

  • You, not the insurance company, decide how you want your premiums allocated;
  • You can reduce risk by spreading your money among a number of Separate Account investment portfolios; and
  • You can choose the investment options that most closely match your tolerance for risk and your financial goals.

By providing you with investment flexibility and the potential for growth, Variable Universal Life can offer you a powerful opportunity to invest in your life.




One Midland Plaza,
Sioux Falls,
South Dakota 57193-0001

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