Rewards at

their Best
2014 Program Guide
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Midland National

Life Insurance Companys Annuity Divisions goal is to reward

and recognize our top agents that produce consistent, high-quality annuity business.
We are proud to present to you the 2014 Premier Agent Club (PAC) guide to give you
the recognition and support you deserve for loyal production with Midland National.
Within the PAC, there are ve levels of membership benets: Bronze, Silver, Gold,
Platinum and Diamond. PAC will reward you with competitive incentives and exciting
benets as you write more xed annuity business with Midland National.
Sincerely,
Bryce Biklen
Vice President of Annuity Sales
bbiklen@sfgmembers.com
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Table of Contents
Rewards at Their Best ............................................ 4
Dening Production Credit for Qualication ....... 4
Membership QuaIication ...................................... 5
Enrollment Period ............................................... 5
PAC Members Experience the
RSM Advantage ................................................... 6-7
Regional Sales Manager ................................. 6-7
Benets for AII PAC Members ............................... 8
PAC Commission Bonus Benet ........................ 8
UPS Shipping Labels ......................................... 8
SiIver LeveI and Above AdditionaI Benets ......... 9
Premier Service Group ....................................... 9
Travel Rewards ................................................... 9
GoId LeveI and Above AdditionaI Benets ... 10-12
2015 Annual Convention .................................. 11
Deferred Compensation ................................... 12
PIatinum LeveI and Above AdditionaI Benets .. 13
Personal Case Manager .................................. 13
Practice Management or
Co-Sponsor Client Appreciation Event.............13
Diamond LeveI AdditionaI Benets .................... 14
Annual Production Bonus. ............................... 14
Co-Sponsor Client Appreciation Event ............ 14
Practice Management Reimbursement ........... 14
Terms and Conditions .......................................... 15
Rewards at
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Paid premium for all Midland National xed annuity
products is given 100% credit towards qualifying for
the PAC membership levels with the exception of
Multi-Year Guarantee Annuities (MYGAs) and Single
Premium Immediate Annuities (SPIAs), like the MNL
Guarantee Ultimate

and Direct Income

products,
whose paid premium will be credited at 50% towards
PAC membership.
Dening "Production Credit for QuaIication

Midland Nationals PAC program is set apart as one of the most valuable loyalty programs in the industry,
recognizing and rewarding elite agents like you for consistent, high quality annuity business year after year.
The 2014 PAC program delivers ve levels of the best value-added benets youll be hard pressed to nd
anywhere else in the industry. Qualiers can receive:
Access to a dedicated Regional Sales Manager (RSM) to support you and your business
Additional commission bonuses
An invitation to attend our luxurious annual Agents Convention with access to senior level executives
A co-sponsored client appreciation event
A practice management reimbursement for building your annuity business
The more expansive and long-standing our PAC relationship is the more value and leading industry benets
youll receive. We provide outstanding support through our dedicated Premier Service Group; your own personal
back ofce team. Successful long-term members can also qualify for a non-contributory deferred compensation
program with immediate vesting and increasing contributions over time.
Example:
Agont produoos $100,000 MNL Potirovantago

= $100,000 Club Qualiying Crodits

Agont produoos $100,000 MNL Guarantoo Ultimato

= $50,000 Club Qualiying Crodits

Rewards at Their Best
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Agent qualication and continued membership in the
PAC is based upon achieving one of the xed annuity
paid premium production goals.
BRONZE
$1 Million Production Credit in 2014
SILVER
$2 Million Production Credit in 2014
GOLD
$3.5 Million Production Credit in 2014
PLATINUM
$6 Million Production Credit in 2014
DIAMOND
$10 Million Production Credit in 2014
The above symbols represent the levels of PAC.
Business persistency and business quality are
also considered for entry and continued participation
in the PAC. Members of the PAC are subject to
business review by Home Ofce representatives.
You will begin receiving benets the rst day of the
month after qualifying for the PAC. Benets do not
begin or are not applied until after you have qualied.
PAC benets are based on production after your start
date and are not retroactive based on production
prior to your start date.
Once you qualify, benets continue ONLY for the
current calendar year and the calendar year after
qualifying. You can re-qualify for the PAC to receive
benets past the second calendar year.
For example, if you qualify in September 2014, you
receive qualied benets for the remainder of 2014
and the whole calendar year of 2015. Your production
level for 2015 determines the PAC qualication level
for 2016. In this example, not meeting minimum
production goals during 2015 will discontinue
membership in the PAC for 2016.
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Enrollment Period Membership Qualifcation

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PAC Members Experience the RSM Advantage
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RegionaI SaIes Manager
At Midland National, each individual PAC member has access to a dedicated RegionaI SaIes Manager (RSM).
These RSMs are highly skilled, reliable and trained to assist and support your needs in the eld.
Your personal RSM will provide you with the resources you need to succeed as you work together to grow
your business.
Company Training - Share Our Story
Become an expert at explaining the advantages of working with and owning an annuity from Midland
National. We are privately owned and we think and act like owners, managing operations for the long
term. Learn how these valuable benets can help you and your clients.
Annuity Product Training - Learn from the Expert
Instant access to a product expert who will teach you the ins and outs of our products. This in-depth
knowledge will assist you in matching the right annuity solutions for your clients needs.
Case Design - ExpIore New Product Positioning and SoIutions
Explore new avenues to position Midland National annuity products with your clients on a case-by-case
basis. RSMs can help guide you through case design specic to your clients situation and immediate
needs. With their assistance, you can focus even more on the right annuity solutions for your clients.
Business BuiIding - Rene Your Practice Management
Learn how to better rene your everyday practice management processes and procedures to streamline
your annuity business building efforts. Consult with your RSM regarding the latest practice management
trends and concepts for best practices to help create efciencies and ultimately help increase your
bottom line.
Access to Industry Best Practices From Other Top PAC Producers
Opportunity to share ideas and best practices with other Top Producers to help your business grow
even more!
Advance Notications and Communications
Be the rst to know when interest rate and product changes are taking place. In addition, RSMs
encourage your feedback and welcome interactive discussions on our product solutions, overall
support and partnership.
Rewards at
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ME
WA
NM
WI
IL
IN
OH
MI
PA
NY
NH
MA
CT
NJ
MD
RI
DE
MN
MO
AR
LA
MS
AL
GA
FL
SC
TN
KY
NC
VA
WV
NE
KS
SD
ND
OK
TX
WY
CO
IA
MT
ID
UT
AZ
CA
NV
OR
District of
Columbia
AK
HI
VT
Beau BIanchard
Regional Sales Manager
Phone: 877-586-0240 Ext: 35853
bblanchard@sfgmembers.com
West
Evan CutIer
Regional Sales Manager
Phone: 877-586-0240 Ext: 32852
ecutler@sfgmembers.com
South
Midwest
MichaeI Odor
Regional Sales Manager
Phone: 877-586-0240 Ext: 32851
modor@sfgmembers.com
Northeast
Jonathan Stearns
Regional Sales Manager
Phone: 877-586-0240 Ext: 35845
jstearns@sfgmembers.com
Mid-AtIantic
Open Position
Regional Sales Manager
Mountain West
Justin Rafferty
Regional Vice President
Phone: 877-586-0240 Ext: 35672
jrafferty@sfgmembers.com
Bryce BikIen
Vice President of Annuity Sales
bbiklen@sfgmembers.com
MidIand NationaI
Distribution

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Please reference MidlandNational.com Sales and Marketing, Annuities tab, Agent Rewards and Benets for updated commission
bonus amounts on new products that are introduced throughout the year.
MNL SecureVantage
SM
(10 and 14) 0.50% 1.00%
MNL IncomeVantage
SM
(10 and 14) 0.50% 1.00%
MNL RetireVantage

(10 and 14) 0.50% 1.00%

MNL Innovator Choice

Series 0.50% 1.00%

MNL Prosperity Choice

Series 0.50% 1.00%

MNL Capstone

Series 0.50% 1.00%

MNL Endeavor

Series (12 Plus, 12, 8 Plus, 8) 0.50% 1.00%

MNL Paragon Plus

0.50% 1.00%
MNL Pinnacle

0.50% 1.00%
MNL Select
SM
Series 0.25% 0.50%
MNL Endeavor

Series (4,6) 0.25% 0.50%

Midland National Flex
SM
Series (I, II & III) 0.25% 0.50%
MNL Mainstreet Four

0.25% 0.50%
MNL Guarantee Ultimate

and MNL Guarantee Ultimate

II 0.25% 0.50%
Direct Income

0.25% 0.50%
PAC Commission Bonus Benet
1
In addition to your normal commission, Club members earn an additional commission bonus up to 1%.
Product Bronze & Silver Gold, Platinum & Diamond
UPS Shipping LabeIs
All Club members have access to UPS shipping labels that are pre-lled with the Midland National Home Ofce
address to expedite your clients application and save you money.
Benefts for all PAC Members
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As members quaIify for higher IeveIs of the PAC, they receive.
Premier Service Group
3
As a Silver or Gold member you are upgraded to receive a single point of contact for you and your staff to
process and handle new business, client servicing and agent support.
Dedicated toll-free phone line. No wait time!
Immediate commission release on cases over $500,000
Signature guarantee transfer paperwork (up to $500,000 per form)
Prioritized business processing via Priority Handling sheets
Veried new applications within 24 hours
Transfer paperwork that is shipped overnight
Faxes checked and handled four times per hour
Proactive follow up on pending business
Overnight delivery of contracts
Special requests accommodation based on business needs
Silver Level and Above Additional Benefts
TraveI By Design
2
Silver members receive exciting travel possibilities with the Travel by Design program. Work with a personal
travel concierge to make your travel arrangements. Silver members will receive a $2,000 Travel by Design
benet. The Travel by Design benet is available for agents at the Silver level at the end of the qualication year.
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You`ll be eligible for the 2015 Agents` Convention in
Bora Bora.where you can Expect the Extraordinary.
Plus...


Reach GoId Level and Your
PAC Commission Bonus DoubIes!

Earn up to 1%
Rewards at
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An Invitation with Honor
Qualication for the Convention recognizes Midland Nationals top producing annuity agents. Midland National
believes such agents deserve the reward and relaxation of a luxury trip.
Expect the Extraordinary
Find yourself completely immersed in an ocean of pure blue paradise, French Polynesian culture and all that
is distinctly Bora Bora.
Your view of the world will never be the same as you step barefoot onto the soft white sands and take in the
deep tangerine sunsets of the Tahitian South Pacic.
Bora Bora tantalizes the senses and will take you to turquoise lagoons, exotic barrier reefs, once-volcanic
mountains, and breathtaking panoramic overlooks. Find yourself in a place all its own
2015 AnnuaI Convention

Location: Bora Bora, Four Seasons Resort
Main Convention: February 18-23, 2015

(Gold, Platinum and Diamond Levels)
Extended Stay: February 16-18, 2015

(Platinum and Diamond Levels)
QuaIication Period: January 1, 2014 - December 31, 2014
Gold Level and Above Additional Benefts
Rewards at
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Gold Level and Above Additional Benefts
Deferred Compensation (Non-Contributory)
As an additional reward to our long-term valued partners, Midland National is offering Gold, Platinum
and Diamond Member agents the ability to save for retirement through a deferred compensation program.
The Deferred Compensation Program wiII be 100% funded by MidIand NationaI and wiII be in addition
to your current commission payments.
Premium Basis
Contributions are based on Annual Annuity
Net Premium.
Annuity Net Premium =
Total First Year and Renewal Premium
+ Increased by TSA Premium Credit
- Withdrawals and Surrenders (excluding RMDs)
- First Year Deaths (during plan year)
EIigibiIity
All Gold, Platinum and Diamond Member agents
that qualify for at least two consecutive xed annuity
conventions. Contributions will begin in the year
following second consecutive convention qualication.
Production Qualied
Year 1
Qualied
Year 2
Qualied Cumulative
Year 3
Qualied Cumulative
Year 4
Qualied Cumulative
Year 5
$4M Each Year $0 $8,000 $8,000 $16,000 $16,000 $32,000 $24,000 $56,000
Deferred Compensation Contribution Example
This example is hypothetical and assumes an agent had written $4 Million in Annuity Net Premium each year for 5 straight years.
1 Time 0.00%
2-3 Times 0.20%
4 Times 0.40%
5+ Times 0.60%
Consecutive Times Qualied Contribution Rate
Starting in 2010
Vesting ScheduIe
Immediate Vesting
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Practice Management Reimbursement OR
Co-Sponsor CIient Appreciation Event
4
Platinum members may choose to either build their practice through Practice Management OR to Co-Sponsor
a Client Appreciation Event.
Option 1 - Practice Management Reimbursement
Platinum members are qualied to take their practice to the next level by participating in the Practice
Management Reimbursement up to $2,500. The Practice Management Reimbursement helps top producers
like you increase your productivity and build protable practices.
Option 2 - Co-Sponsor CIient Appreciation Event
Midland National will co-sponsor a client appreciation event up to $2,500. To receive the full redeemable
amount you must provide Midland National with copies of receipts.
PersonaI Case Manager
As a Platinum or Diamond member you are upgraded from the Premier Service Group
to a Personal Case Manager who will be your single point of contact for you and your staff.
Youll have direct access to your Personal Case Manager who is responsible for all aspects
of new business from start to nish and is able to answer inquiries regarding in force policies.
In this one-on-one relationship, your case manager understands your business model and
can therefore tailor the services they provide to better support you.
Platinum Level and Above Benefts
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Diamond Level Benefts
AnnuaI Production Bonus
5
Co-Sponsor CIient Appreciation Event
4
Midland National will co-sponsor a client appreciation event up to $5,000. To receive the full redeemable amount
you must provide Midland National with copies of receipts.
Practice Management Reimbursement
4
Diamond members are qualied to take their practice to the next level by participating in the Practice
Management Reimbursement up to $5,000. The Practice Management Reimbursement helps top producers
like you increase your productivity and build protable practices.
Total Annual Production $10,000,000 $15,000,000
Annual Production Bonus 0.50% 0.50%
Diamond Level Bonus $50,000 $75,000
Annual Production Bonus Example #1 Example #2
Diamond members earn an additionaI 0.50% annuaI production bonus based on
total xed annual annuity premium.
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Midland National

annuity products are issued on forms AS075A, AC/AS088A, AC/AS098A, AC/AS108A, AC/AS110A, AC/AS119A, AC/AS120A,
AC/AS121A, AC/AS124A, AC/AS130A, AC/AS132A, AC/AS139A, AC/AS140A, ICC12-AS137A (certicates/contracts), AR153A, AR156A,AR163A-1,
AR192A, AR194A, AR227A, AR245A, ICC12-AR255A, ICC12-AR127A, ICC12-AR118A, and ICC12-AR119A (certicates/contracts) (including all
applicable riders and endorsements) or appropriate state variations by Midland National

Life Insurance Company, West Des Moines, IA.

Certain limitations may apply to Premier Agent Club benets based on the agents afliation with Midland National

. Qualication levels may

change periodically. Interpretations of the rules and nal determination of Premier Agent Club qualication and any benets of the Premier Agent
Club will be at the sole discretion of Midland National

. We reserve the right to modify, discontinue, deny qualication, or remove agents from
Premier Agent Club program at any time. All decisions are nal. The Agent Contract shall remain in full force and otherwise govern the rights of
the parties. Termination of the Agent Contract will automatically terminate agents participation in the Premier Agent Club. Agents must agree
to business review and/or seminar review at the request of Midland National

. Except as expressly provided herein, this information does not

amend, modify or change the terms of the Agent Contract.
Qualication: Qualication is based on all Midland National

xed annuity business. Renewal premiums added to in-force annuity contracts will
count towards Premier Agent Club qualication as long as the annuity contract was originally issued within ve years. Internal Replacement
premiums will not qualify for Premier Agent Club program. Production cannot be accumulated between agents. Agent will be responsible for
value of all awarded items by issuance of an IRS 1099 Form when applicable.
1. Commission: This commission bonus is payable only to the writing agent on personal production applications on rst year paid premium
only. Paid premium for commission bonus is dened as paid premium minus rst-year cancellations, withdrawals or surrenders. First-year
renewal premiums added to in-force annuity contracts will receive the Commission Bonus as long as the original contract was issued after
the agent was formally placed in the Premier Agent Club. Subagent business will not be eligible for the bonus. For licensed-only agents, the
commission bonus will be paid to the commission-assigned entity. Commission bonus will be paid through normal commission channels.
This commission bonus is payable on a monthly basis and will be paid no later than the 20th of the subsequent qualifying month. Any debit
balance incurred by the agent/agency will reduce any applicable commission bonus. Products eligible for commission bonus will change as
the Midland National

product portfolio changes and are subject to state availability. Agents should keep informed of current products and
state availability by contacting Sales Support or visiting www.MidlandNational.com.
2. Substitutions for the Travel Reward are not allowed.
3. Please see Premier Service Group yer (10337Y-PG) for details.
4. Agent must obtain approval and submit proof of Practice Management or Client Event expenses incurred by sending receipts to
Midland National

Annuity Divisions home ofce.
5. Payment of Annual Production Bonus is paid to the writing agent in a lump-sum amount following the end of the calendar year.
Midland National`s PAC program offers tremendous benefts and is truly reserved
for the elite agent who shares our core values and commitment to excellence.
We look forward to working with you to help you qualify in 2014!
877-586-0241
4350 Westown Parkway
West Des Moines, IA 50266
www.MidlandNational.com
12482Y | REV 1-14 FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES.
Rewards at
their Best