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Consistently High Ratings for Financial Strength

Independent rating agencies are an important source of information on an insurance company's ability to meet its obligations. North American continues to receive high ratings based on its financial strength and operating results. Our high ratings are a strong indicator that North American, as part of Sammons Financial Group, is dedicated to maintaining the highest standards when it comes to prudent investments and strong capital position.

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A+ (Superior) Rated by A.M. Best1

A.M. Best has rated North American for Life and Health Insurance an "A+" (Superior) rating. A+ is the second highest rating out of 15 rating categories and was affirmed for North American, as part of Sammons Financial Group®, on August 2, 2018.2

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"A+" (Strong) Rated by S&P Global Ratings

S&P Global Ratings awarded its "A+" (Strong) rating for insurer financial strength on February 26, 2009 and affirmed on October 19, 2016 to North American for Life and Health Insurance® as part of Sammons Financial Group, Inc.2

The "A+" (Strong) rating, which is the fifth highest out of twenty-two, reflects the financial strength of North American Company for Life and Health Insurance®, member of Sammons Financial Group.2

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A+ Rated by Fitch Ratings

Fitch Ratings, a global leader in financial information services and credit ratings, on April 24, 2018, assigned an Insurer Financial Strength rating of A+ for North American. This rating is the fifth highest of 19 possible rating categories. The rating reflects the organization's strong business profile, low financial leverage, very strong statutory capitalization and strong operating profitability supported by strong investment performance. For more information, read the Fitch Ratings report.

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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 2, 2018. For the latest rating, access www.ambest.com.

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