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Midland National

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LAST UPDATED: August 21st, 2021

Part of Sammons® Financial Group, Midland National specializes in life insurance and annuities. Details about the policies the company offers is limited online. However, Midland National does offer a helpful quote tool for term life insurance.

Read Midland National Life Insurance Reviews

Top Ranked Companies


The Good

  • Financially Strong Insurer
  • Work with a Financial Professional
  • Term Life Insurance Online Quote
  • Policy Options

Financially Strong Insurer

Midland National has received high financial strength ratings from A.M. Best, which shows the insurer is financially strong and likely able to pay claims.

High financial strength ratings are common among top life insurance companies because it is a highly sought-after trait.

Financial Professional Assistance

If you want to buy life insurance through Midland National, you'll work with a financial professional who can help you understand your needs and find a policy to meet them.

Other insurers also have their clients work with finance professionals, but this opportunity isn't available everywhere.

Term Life Insurance Online Quote

Midland National offers a helpful online quote for term life insurance. Once you include some anonymous, basic information and how much coverage you want, you'll view rates in four different risk categories.

This approach to quotes gives you a better sense of the range you may pay for your policy.

Policy Options

While you can tell from Midland National's website that it offers variable universal and term life insurance, details on policy features are not available. Most other insurers at least include basic information about the types of policies offered even when the details are limited.


The Bad

  • Limited Online Information
  • Insufficient Customer Reviews

Limited Online Information

Midland National offers limited information online regarding the types of policies it offers and its features. Although this lack of information can be difficult for people researching their options, additional information can be learned by contacting the company.

Insufficient Customer Reviews

Best Company hasn't received many Midland National reviews, so our understanding of the customer experience is limited. More customer perspectives would make it easier to give a clear recommendation on the company.


The Bottom Line

Online information and customer perspectives on Midland National life insurance are limited. However, the company has received high financial strength ratings and offers the opportunity to work with finance professionals. High financial strength ratings are common for top life insurers, though working with finance professionals is not.

If working with a finance professional is important to you, Midland National may be worth considering.

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4 Reviews

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Timothy Menz Concord, NC

I wish I could give this place less than 1 star. I have been trying to get a summary of a relatives life insurance and I have reached out to the agent Paul "Donnie" T who was assigned to the policy and he keeps giving me the run around, saying he will work on getting it to me, and it's been a month and I still don't have it. So I ended up emailing and calling Midland National directly. When I called, not only did it take over 4 hours to reach someone, but the representative was rude and dismissive. When I emailed them, they sent me an automated response which didn’t even address my submitted question. This place is a racket, so stay away at all costs. They just want to rope you in to high cost annuities based on scare tactics and poor customer service. In comparison, The other insurance company I'm dealing with sent me an inforce illustration after 1 week of requesting it. After weeks of emails back and forth, they said they could get the policy summary to me with 1 week and it’s now going on 3 weeks, still no policy summary. I have been telling all my friends and family to avoid doing any business with Midland National Insurance.

4 years ago


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Steve Colella Queens, NY

Very competitive insurance rates and they do not try to sell me additional services or additional insurance. I only receive email communications when it is necessary and not promotions.

2 years ago

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Jami plowman Tuscaloosa, AL

I love that they are so up to date with submitting applications and their customer service is really good.

6 years ago


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Joy Hill Pleasant Grove, UT

Great term life insurance rates - just wish I could pay my renewal online instead of mailing a check

4 years ago