Midland National Life Customer Service — Expert Guide for Policyholders

Overview and company context

Midland National Life Insurance Company is a long-established life insurance and annuity carrier and a member of the Sammons Financial Group family. Founded in 1906, Midland National focuses on individual life products and fixed indexed and fixed-rate annuities. The company is headquartered in Sioux Falls, South Dakota, and distributes products primarily through independent agents and financial professionals across all 50 states.

Understanding Midland National’s customer service structure is vital because service tasks — policy updates, beneficiary changes, loans, surrenders and death claims — are routed differently depending on product type and distribution channel. Many routine requests are handled by centralized servicing teams while claim and loss-payable matters are handled by a dedicated claims unit or by local agents for field-delivered assistance.

How to contact and prepare for service

The definitive point of contact for policyholders is Midland National’s official website: midlandnational.com. From there, the “Contact Us” or “Customer Service” page links to policy-specific forms, secure e-mail options and agent portals. If you are an agent, use the professional portal; if you are a policyowner, use the secure policyholder contact forms to transmit personally identifiable information (PII).

Before calling or submitting a request, gather these essential items to expedite service: the policy number, owner and insured names and dates of birth, mailing address on file, last premium payment date, and a photocopy of government ID for any request that changes ownership, beneficiary designation or requests a cash disbursement. Having these ready typically reduces average handling time from 20–30 minutes to under 10 minutes for routine requests.

Claims: life insurance death claims and processing

For a death claim, Midland National requires a certified copy of the death certificate, the original policy (if available), the claim form completed and signed by the beneficiary, and valid identification for the claimant. In many cases beneficiaries must also provide Social Security numbers and banking instructions for electronic funds transfer (EFT). If the insured had a policy loan, lien or asset assignment, expect additional documentation such as loan statements or assignee contact details.

Typical processing timelines: initial claim acknowledgement within 48–72 hours of a complete submission; straightforward claims are often paid within 7–21 business days after receipt of all required documents. Claims involving contestability, suspected fraud, or pending investigations can extend to 60–90 days. For faster payment, request direct deposit, provide certified documents at submission, and keep a dedicated phone/email contact open for follow-up.

Policy servicing: payments, loans, beneficiary and ownership changes

Premium payments can usually be made via recurring EFT/ACH, check, or through your agent. If you prefer digital self-service, the company’s secure portal or agent can set up automatic drafts. Note that payment posting typically takes 1–3 business days; a lapse notice could be generated if a payment is more than 30 days late depending on policy type and grace period provisions.

Policy loans and withdrawals (for universal life and some whole life products) require a signed request and current policy data. Expect loan funding to occur within 3–7 business days after approval; interest on outstanding loan balances accrues daily and is compounded according to the policy contract (commonly monthly). Ownership or beneficiary changes must be signed by the current owner; if the owner is deceased or incapacitated, additional documentation such as probate papers or a power of attorney is required.

• Death claim document checklist (pack this with the first submission): certified death certificate; completed claim form (original signature); policy number (or copy); beneficiary/claimant government ID; beneficiary Social Security number; voided check or bank info for EFT; if applicable, marriage certificate, divorce decree, or proof of legal name change.
• Policy service quick checklist: policy number; owner and insured DOBs; recent premium receipts; agent name and code (if applicable); completed service forms (downloadable at midlandnational.com).

Annuity servicing, distributions and tax reporting

For annuity holders, routine requests include systematic withdrawal setups, required minimum distributions (RMDs) for qualified plans, beneficiary designation updates, and surrenders. Distribution forms must identify payee tax status; if a non-qualified annuity is surrendered, Midland National issues Form 1099-R for taxable distributions. 1099-R forms are typically mailed or made available electronically by mid-February following the tax year, enabling timely tax reporting.

Withdrawal requests are processed under contract terms — many contracts permit one free withdrawal per year up to a stated percentage (commonly 10%) with surrender charges assessed if withdrawals exceed available free-withdrawal allowances within the surrender charge period (often 5–10 years on some products). For large distributions, plan for a processing window of 5–15 business days, and coordinate with your tax advisor regarding withholding or estimated tax payments.

Escalation, state regulators and useful best practices

If standard customer service channels do not resolve an issue, escalate to a supervisor via the company’s contact path on midlandnational.com and request a written timeline for resolution. Keep a record of reference numbers and names; escalate externally only after exhausting internal remedies. If you need regulatory assistance, contact your state insurance department — each state posts complaint procedures and average complaint handling times on its website.

Practical best practices: maintain a digital and physical file of policy documents, annual statements, and any correspondence; request annual policy illustrations for universal and indexed products to monitor projected performance; and update beneficiary designations after major life events (marriage, divorce, births). These measures materially reduce processing delays and minimize disputes when change-of-beneficiary or death claims arise.

What is the Midland National Class Action Lawsuit?

Hagens Berman Sobol Shapiro filed a class-action lawsuit against Midland National Life Insurance Company, claiming the company engaged in a scheme to reap profits by exploiting and preying on senior citizens.

How do I claim unclaimed life insurance?

If you know which state the policy was written in, check with the state insurance department about unclaimed property laws or check with the office that handles unclaimed property. For more information about your life insurance options, check out Insure U Life Insurance resources.

How do I contact Midland today?

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What is the phone number for National Life customer service?

1-800-732-8939
Important Notice: Please note, we cannot accept policy related inquiries through this form. For policy information, address changes, payments, etc. log into the customer website or call Customer Relations at 1-800-732-8939.

Can I withdraw my money from National Life Group?

Yes you can. You may have access to policy cash value through either a withdrawal or as a loan from the insurance company using the policy as collateral.

How do I contact Midland National Life Insurance?

If you have questions on your available options, please call us toll-free at 800-733-2524. We are available Monday through Thursday from 7:30 am to 5:00 pm, CST and Friday from 7:30 am to 12:30 pm.