The importance of financial ratings

Independent agency ratings paint a crucial portrait of a company's ability to keep its commitments to you, the customer. It’s about that most valuable commodity in the insurance business: trust. You aren't just buying a product, you're buying financial protection for you and your family. All of our member company products are backed by the financial strength of our investment portfolio, which emphasizes high-quality bonds that provide safety, liquidity, and competitive interest rates. These ratings are based on Sammons Financial Group's financial strength, operating performance, and ability to meet obligations to our policyowners and contract holders.


A+ (Superior) from A.M. Best1,2

Sammons Financial Group earned an A+ rating by A.M. Best, a large, third-party independent reporting and rating company. The rating, affirmed on August 19, 2020, is based on the company's financial strength, operating performance, and obligations to contract holders. A+ is the 2nd highest rating out of 15 categories. Read the report.

A+ (Strong) from S&P Global Ratings

Sammons Financial Group earned an A+ rating by S&P Global Ratings, a third-party, independent reporting and rating firm. The rating, affirmed on June 2, 2021, is based on the company's financial strength. A+ is the 5th highest rating out of 22 categories.

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A+ from Fitch Ratings

Sammons Financial Group earned an A+ Insurer Financial Strength rating by Fitch Ratings, a global leader in financial information services and credit ratings. The rating affirmed on April 23, 2021, reflects the organization's strong business profile, low financial leverage, very strong statutory capitalization, and strong operating profitability supported by strong investment performance. A+ is the 5th highest rating out of 19 categories. Read the report here.

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Better Business Bureau Accredited Business

Sammons Financial Group member companies, Midland National® Life Insurance Company and North American Company for Life and Health Insurance®are both accredited business with the Better Business Bureau. To be accredited businesses means the BBB has determined that the companies meet BBB accreditation standards, including a commitment to make good faith efforts to resolve any consumer complaints.

Ward's Top 50

Ward's Top 503

Midland National® Life Insurance Company, as part of Sammons Financial Group, was selected as one of Ward's 2019 top 50 life and health insurance companies. Ward Group is the leader in benchmarking and best practices services for the insurance industry. Each year, the group analyzes the financial performance of over 700 life-health insurance companies based in the United States and identifies the top performers in each segment based on objective data and subjective quality measures.




Ratings shown reflect the opinions of the rating agencies and are not implied warranties of the company's ability to meet its financial obligations. The above ratings apply to Sammons Financial Group's financial strength and claims-paying ability. These ratings do not apply to the safety or performance of the variable separate accounts which will fluctuate in value.

1 A.M. Best is a large third-party independent reporting and rating company that rates an insurance company on the basis of the company's financial strength, operating performance and the ability to meet its obligations to policyholders. A+ is the second highest out of 15 categories and was affirmed for Midland National Life Insurance Company as part of Sammons Financial Group on August 19, 2020. For the latest rating, access

2 Sammons Financial Group® is comprised of North American Company for Life and Health Insurance®, Midland National® Life Insurance Company, including its divisions Sammons® Corporate Markets Group, Sammons Retirement Solutions®, Inc. and Sammons Financial Network®, LLC, member FINRA.

3 The Ward's 50 Benchmark Group placement is derived from an in-depth analysis completed by the Ward Group, a Cincinnati-based management consulting firm specializing in the insurance industry.