IndexUL-Center IndexUL-Center


Our indexed universal life (IUL) product portfolio provides three product options that will easily help you find the right product for your client's needs. With death benefit protection and a zero percent floor, our IUL products provide the opportunity for cash value growth potential.

Strategic Protector – This product is designed to combine a guaranteed death benefit1 with cash value growth potential. Plus, it includes a Premium Recovery Endorsement along with everything else you've come to expect from our IUL products, including living benefits.4

Strategic Accumulator – This product is designed for death benefit protection and strong cash value accumulation potential through an account interest multiplier2 and interest bonus.3 Strategic Accumulator also offers living benefits to provide additional protection for your clients.4

Strategic Accelerator – This product combines the death benefit protection your client needs with the flexibility they want and includes living benefits. With features like zero premium load and the Waiver of Surrender Charge (WOSC) Option Rider,5 this IUL product is designed to create strong, early cash value.


Interested in working with Midland National? Contact the distribution partner in your region to get started.


1. Subject to premium payment requirements.

2. The account interest multiplier is applied after interest credit or index credit is determined and before any interest bonus. It is not applied to the interest bonus nor to any portion of the account value that is policy debt or the minimum account value.

3. Strategic Accumulator offers a conditionally guaranteed interest bonus on the fixed account. If we are crediting interest in excess of the guaranteed interest rate and your client's policy is in effect after the 10th policy anniversary, your client's policy will receive an interest bonus. The interest bonus is 1.0% above the then current interest rate. The interest bonus percentage is not guaranteed and are subject to change; however, once a policy is issued, the percentage will not change. For standard policy loans the interest bonus is not applied to any loaned amount.

4. Living benefits are subject to eligibility requirements. The death benefit will be reduced by the amount of the death benefit accelerated. Since benefits are paid prior to death, a discount will be applied to the death benefit accelerated. As a result, the actual amount received will be less than the amount of the death benefit accelerated.

5. This optional rider must be selected at the time of application. 

Strategic Protector, Strategic Accumulator, and Strategic Accelerator are issued on policy form series L148, L147, and L149, respectively, or state variation, including all applicable endorsements and riders, by Midland National® Life Insurance Company, One Sammons Plaza, Sioux Falls, South Dakota 57193. Products, features, riders, endorsements, or issue ages may not be available in all jurisdictions. Limitations or restrictions may apply.

Agents offering, marketing, or selling accelerated death benefits for chronic illness in California must be able to describe the differences between benefits provided under an accelerated death benefit for chronic illness and benefits provided under long-term care insurance to clients. You must provide clients with the ADBE Consumer Brochure for California that includes this comparison. Comparison is for solicitation purpose only, not for conversions.

Indexed Universal Life insurance products are not an investment in the "market" or in the applicable index and are subject to all policy fees and charges normally associated with most universal life insurance.


Page last revised 5-20.

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