Issued by Midland National Life Insurance Company

Offer certainty in uncertain times.

Who we are

Midland Advisory, as part of Midland National, is committed to the RIA channel. We strive to offer fee-only solutions that complement your clients’ portfolios. Midland National is an A+ (Superior) rated carrier¹ with nearly 120 years of experience helping people secure and protect their financial futures. We strive to offer fee-only solutions that complement your clients' portfolios.

The challenge

You help clients grow their wealth by managing their assets, but when clients need reliable income—especially in unpredictable markets—traditional market-based solutions alone may not be enough.

The opportunity

Help clients with outdated annuities by offering a solution built for RIAs that’s 100% fee-based, commission-free, and designed for advisory fee structures. No insurance licensing is needed with the right support.²

Practical retirement solutions built for RIAs

Balance performance with protected growth

Add guaranteed income to solve for longevity risk

Create an adaptive income stream for health-related risks

Oak ADVantage® multi-year guarantee annuity

IndexMAX ADV® fixed index annuity

Oak Elite ADV® registered index-linked variable annuity

Midland National Capital Income® fixed index annuity

Constance® contingent deferred annuity

Oak Elite ADV® registered index-linked variable annuity

Midland National Capital Income® fixed index annuity

Oak Elite ADV® registered index-linked variable annuity

With Midland Advisory, you can:

Access a portfolio of commission-free, fee-friendly annuities built for RIAs
Offer your clients solutions for income, longevity, and protected growth
Add confidence for clients looking for dependable retirement outcomes
Rely on Midland National’s strength and commitment to long-term stability
Get educated and earn CE credits on demand through our Asset TV channel

Ready to connect?

1. A.M. Best Company rating - effective August 13, 2025. A+ is the 2nd of 15 categories.

2. Our advisory solutions are available through outsourced insurance desks (OIDs) who act as the agent of record, and you continue to retain discretionary authority over the account.

FOR FINANCIAL PROFESSIONAL USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES.

Sammons Financial® is the marketing name for Sammons® Financial Group, Inc.’s member companies, including Midland National® Life Insurance Company. Annuities and life insurance are issued by, and product guarantees are solely the responsibility of, Midland National Life Insurance Company.

Midland Advisory, part of Midland National® Life Insurance Company, specializes in retirement solutions to help meet the needs of registered investment advisors (RIAs) and their clients. Midland Advisory is not an issuer of insurance products.

Securities distributed by Sammons Financial Network®, LLC., member FINRA. Insurance products issued by Midland National® Life Insurance Company, West Des Moines, Iowa. Product and features/options may not be available in all states or appropriate for all clients. See product materials and state availability chart for further details, specific features/options, and limitations by product and state.

©2026 Wealthcare Capital Management LLC, Wealthcare Capital Partners LLC, and Wealthcare Advisory Partners LLC (collectively, “Wealthcare”) are registered investment advisors with the U.S. Securities and Exchange Commission (SEC) under the Investment Advisors Act of 1940. All Rights Reserved.

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