Introducing the LiveWell Dynamic Annuity

Registered index-linked annuities (RILAs) aren’t new to the market, although it may seem that way since sales exploded in recent years, but they were introduced over ten years ago because of consumer demand.

These consumers may be more risk-averse or approaching retirement concerned about market volatility and potentially significant losses.

Indexed-linked variable annuities are also known as hybrid, structured, buffered, and registered annuities.

The new LiveWell Dynamic Annuity shares the same goal as many RILAs on the market today—to balance performance and protection through variable separate accounts and index strategies.

What sets our index-linked variable annuity apart is the flexibility we offer by providing a daily unit value, which gives clients true transparency and greater investment freedom.

The LiveWell Dynamic Annuity allows your clients to:

Participate in market growth opportunities through Cycle index account investment options linked to the S&P 500® Index and 13 variable separate account investment options that cover all style boxes and most asset classes.
Protect against market downturns with access to seven different protection levels and protection types through floors and buffers with 1-, 3-, and 6-year terms.
Pivot between Cycle index account and any available investment options (Cycles and separate accounts) penalty-free. This flexibility is available because clients are provided a daily unit value calculated by S&P Global Market Intelligence, which means your clients always know how their investments are doing and can adjust in real time with no penalties.1

The LiveWell Dynamic Annuity could be an ideal investment solution for clients who still want to capture gains when the market is up but are wary of recent market downturns. They may also appreciate that as their investment preferences shift and market moves occur, they can adjust with no penalties.

Complete RegEd training with access code: 22SRSRILA_01

Complete product training »

For more information, check out these LiveWell Dynamic Annuity materials:

LiveWell Dynamic Annuity brochure
LiveWell Dynamic Annuity at a glance
LiveWell Dynamic Annuity indicative cap rates
LiveWell Dynamic Annuity state availability chart

1 If clients leave mid-cycle, they will get the interim value, which is the Cycle’s fair value, limited by the proportional Cap Rate and may be more or less than the original amount invested in the Cycle. Prior to Cycle maturity date, the floor and buffer rate do not apply and the unit value is limited by the proportional Cap Rate. If a client leaves a Cycle mid-term, they cannot enter back into that specific Cycle.

This product may not be available in all states. [This product is not available in [CA,] [HI,] [MD,] [NJ,] [NY,] [OR,] [VA,] or [VT].]

Variable annuities are designed for long-term investing, such as retirement investing, and are subject to market risk including loss of principal.

An investment in the LiveWell Dynamic Annuity is subject to the risk of poor investment performance and can vary depending on the performance of the investment options chosen. Each investment option has its own unique risks. You and your client should review the investment options before making an investment decision. The prospectus and/or summary prospectus contain this and other information. You and your client can visit, or call 866-747-3421 to obtain a current prospectus for the LiveWell Dynamic Annuity and its underlying investment options.

The LiveWell® suite of variable annuities (AS135A, AS204A, ICC11-AS135A, AS153A, ICC18-AS153A (contract) and AR394A, AR276A, ICC14-AR276A, AR346A, ICC16-AR346A, AR381A, ICC20-AR381A (riders and endorsements) is issued by Midland National® Life Insurance Company, West Des Moines, Iowa 50266. The LiveWell® suite of variable annuities is not available in New York. Variable products are distributed by Sammons Financial Network®, LLC., member FINRA. Sammons Institutional Group®, Inc. provides administrative services. Sammons Financial Network®, LLC., Midland National® Life Insurance Company and Sammons Institutional Group®, Inc. are affiliated companies and wholly owned subsidiaries of Sammons® Financial Group, Inc. Sammons Retirement Solutions® is a division of Sammons Institutional Group®, Inc. Product and feature availability may vary by state and broker/dealer.

This product may not be available in all states.




35092R PRT 06-22