Midland National customer service phone number — how to reach support and get fast results

Where to find Midland National’s official customer service phone number

Midland National Life Insurance Company publishes its customer-service contact information centrally on its official website: https://www.midlandnational.com. Because Midland National operates a range of products (term and whole life insurance, universal life, fixed indexed annuities, and supplemental benefits) the exact toll‑free phone number you should dial can vary by product and by whether you are a policyowner, beneficiary, claimant, or financial professional.

For the most reliable and up‑to‑date phone number, go to the Contact Us / Support page on midlandnational.com, select your product type (Life, Annuity, Claims, Agent Services), and use the specific toll‑free number listed. If you do not have immediate web access, call the corporate switchboard for Midland National’s parent, Sammons Financial Group, and ask to be routed to Midland National Policy Services (Sammons Financial: sammons.com). Midland National is headquartered in Sioux Falls, South Dakota, and official correspondence and notices reference that office.

What to prepare before you call (documents, identifiers, timing)

When you call customer service, the fastest resolution comes when you have the essential identifiers and documents ready. At minimum, have your full policy number, the insured’s or annuitant’s date of birth, and the last four digits of the owner’s Social Security number. If you are calling on behalf of someone else, be ready to provide proof of authority (power of attorney, executor documents, or a notarized authorization) and the policy owner’s contact information.

Typical items you should have at the ready: recent billing statements, the policy contract or certificate number, beneficiary names and addresses, banking information for electronic funds transfers (routing and account number), and any claim paperwork already submitted. If you are calling about a claim, note the claim number and the date you originally submitted supporting documents — these two pieces alone will accelerate any status update.

Quick checklist before dialing

• Policy/contract number and effective date — direct lookup eliminates identity verification delays.
• Owner/insured full name, DOB, and last 4 of SSN — used for authentication.
• If a claim: claim number, incident date, provider receipts, and prior correspondence dates.
• Bank routing and account number for direct deposit/ACH for claim payments or annuity distributions.
• Agent name and contact if you were sold the policy through an advisor — agent intervention often shortens escalations.

Departments, typical response expectations, and escalation paths

Midland National organizes support by functional department: Policy Administration (new business, policy changes, premium billing), Claims (death benefits, accelerated benefits, disability), Annuity Services (withdrawals, systematic transfers, required minimum distributions), and Agent/Producer Support. Each department has its own phone queue and specialized forms. For example, annuity distribution processing will require a signed distribution form plus a medallion signature guarantee for certain transactions; claims require certified death certificates and beneficiary election forms.

Expect routine requests (address change, duplicate contract copies, billing questions) to be handled within one phone call or a 2–5 business day email confirmation. Complex transactions — mortality claims, policy loans, surrenders with outstanding loans, or non‑standard beneficiary disputes — often take longer: underwriting or legal review can add 7–30 calendar days depending on document completeness. If you do not get a resolution in the time frame given by the agent, request the reference ticket number and the escalations desk (supervisor or claims examiner) during the call.

Alternative ways to contact Midland National and additional resources

If you cannot reach the customer service phone queue, Midland National offers secure online servicing and forms via the policyholder portal on midlandnational.com. The portal allows policy document downloads, beneficiary updates, and electronic payment setup; many routine items that formerly required a phone call can now be completed online and are typically processed within 1–2 business days.

If phone and portal routes fail, send written requests to the corporate mailing address or fax numbers published on the website and retain certified mail receipts. For regulatory complaints or to verify consumer protections and complaint ratios, consult the state insurance department in the policyowner’s state (for example, the South Dakota Division of Insurance for some company filings) or NAIC consumer complaint pages, which list complaint volumes and market conduct results by insurer.

If you still cannot get through — escalation list

• Call your selling agent or financial advisor — agents have dedicated producer hotlines and can often get priority routing.
• Use the secure policyholder portal at midlandnational.com to submit forms and requests electronically (faster for document-heavy transactions).
• If unresolved after the company’s stated time frame, file a written complaint with Midland National and copy your state insurance regulator — include ticket numbers, names, and timestamps.

What is the phone number for the National Life annuity?

For policy information, address changes, payments, etc. log into the customer website or call Customer Relations at 1-800-732-8939.

How do I contact Midland today?

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How do I contact Midland?

Contact

1. 1-855-696-4352.
2. Customer Care Hours (CST) Closed Sun & Federal Holidays.

How do I contact Midland National?

For costs and complete details, refer to the policy or call or write Midland National Life Insurance Company, One Sammons Plaza, Sioux Falls, SD 57193. Telephone: 800-923-3223.

Is Midland National a Life insurance company?

Products Midland National offers
Life insurance and annuities offer financial protection for individuals and families. After more than 100 years of providing quality products and excellent service, Midland National looks forward to celebrating many more milestones in the years to come.

What is the surrender period for Midland National?

There is a 3-, 5- or 7-year surrender charge period. During this period, a charge is assessed on any amount withdrawn that exceeds the available penalty-free amount. Surrender charges are a level 3.0% in each contract year.