Midland National Life Life Insurance Reviews
3.85 / 5 based on 38 Reviews | Submit Your ReviewSatisfactionClaimsCostBillingService
Company Information4350 Westown Parkway
West Des Moines, IA 50266
(605) 373-2752 (Fax)
Last Updated: 2019-09-11
Company Reviews (38)
Midland National is a great company, October, 2018
Everyone I have worked with at Midland National has been incredibly helpful and polite. I would definitely recommend this company to my friends and family.
Excellent Communication by Agent Jordan Wenborg, October, 2018
I called to understand Midland's Index product and their Marketing Specialist Mr. Jordan gave me over an hour to make me understand different options like distribution, loans. He custom design policy according to my need. I love midland staff. Excellent! Service. I am a cutomer.
A Great Company With Great People, November, 2018
Sales Support is always eager to help us find the best solution for our common clients and often present ideas I hadn't previously thought of.
Great Communications, October, 2018
We are kept advised of status of underwriting and can count on quick response to any concerns. Knowledgeable personnel readily available.
Midland is worth a look -- , November, 2018
Our Firm has bee working with Midland for 10(+) years. We appreciate the personal touch we get when designing a Case. Their product line-up is diverse and it works well within an overall financial plan. We have found particular success with their Indexed Universal Life Contract. Midland National is worth a look.
Great company!, November, 2018
Having worked with Midland National for nearly four years in an agent's office, they have been great to work with regardless of the department I've spoken to. Midland National does their best to help us serve our common clients well.
Agent experience, November, 2018
I have been Midland for many years and the sales support team is competent and professional. The products are cutting edge and well priced. I plan to submit more business through them.
Great Company, June, 2016
The agent has been helpful in getting me issued with a policy. He explained in detail what I was getting, and what my monthly premiums are going towards.
Highly recommended , April, 2018
I've had a life policy with Midland National Life for several years, and their rates are good, customer service is excellent, and I wouldn't hesitate to recommend them to others!
Midland has stood the test of time, November, 2018
My affiliation with Midland began in April 1996 while trying to help a client's family member acquire life insurance. From the regional leadership person to the President of the company, mission was accomplished!
Throughout the years Midland has maintained outstanding Home Office leadership; having seasoned people guiding the company through many challenging times outside of their control.
Midland has consistently maintained high ratings by independent firms (AM Best for one example), they are also an ESOP company, meaning they are employee owned.
Product development has offered many outstanding policy options for the consumer with innovation that surpasses the "average companies" offerings.
I am proud to be associated with a highly rated, well regarded and respected company that has stood the test of time since 1906.
Midland National Life Tried To Cancel My Policy, April, 2015
Midland National Life Insurance Company (MNL) twice tried to cancel the life insurance policy on me after they found out I was in bad health.
I am a former Midland National agent and I left the company after I caught them committing fraud on their policy holders.
The first time Midland National tried to cancel the policy was in 2012. Because of a lawsuit I filed against them in 2010 Midland National had ongoing surveillance of my home and, aware that I was in the process of moving, simply didn’t send the billing notice to the address on record where someone was waiting to pay it.
I filed a complaint with the Maryland Insurance Administration and Midland National immediately reinstated the policy.
The second time Midland National tried to inappropriately cancel the policy was in September, 2013. We sent a payment weeks before it was due; however, Midland National did not cash the check and waited over three weeks before they sent the check back with the explanation that they didn’t know which policy it was for.
When I filed a second complaint with the Maryland Insurance Administration Midland National AGAIN had to reinstate my policy because they couldn’t come up with an excuse for what they did they didn’t cause people to laugh.
My problems with Midland National Life have not ended. On December 19, 2014 Midland National Life was confronted with overwhelming evidence of witness intimidation and coercive threats to cover up their criminal acts. Midland National’s response was to exercise their rights under the Fifth Amendment of the United States Constitution.
To learn more about Midland National Life Google "Midland National Life" reputation.
Dont buy, May, 2017
For the past 30 plus years I have been affiliated with Midland National Life. Late last year I discover a serious problem in the administration of a number of the Life products. I took my concerns straight to the top. In April of this year I was fired without cause.
If you own or our considering owning a policy with a guarantee to age 100, it wont work! Request an in force illustration, (you'll have to do this numerous times because they intentionally deceive you). The guarantee you thought you bought doesn't exist and will only get worse as you age. After we discovered 3 policies in one week in the territory I was responsible for I had my staff do a search for other possible issues. Over the next 2 weeks we came across over 1000 policies where the guarantee does not exist. Buyer beware..
Disappointed, September, 2016
I have been a customer for years, I feel liked I was ripped off because I was sold a $100,00 policy which only last for Approximately 20 years. Now that I am older my premium has increased about $200 more dollars which I cannot afford. My agent sold us a bad policy and I stated to her exactly what I wanted. I would like a partial refund or file a claim against this company.
Scam, September, 2017
SCAM ALERT!!!!!!! Midland National Life Insurance bought out my life insurance company, Clarica, where I have had life insurance for 20 years. The term deadline was up so my premium went from $35/month to $488.40/month. They said they mailed me a letter, which we never got (20 year old address) and that I never answered so they just started taking the $488.40 form my auto pay I had signed 20 years ago. Check your policies and make sure this SCAM is not being pulled on you. It is so easy to call someone and gather information but this company would rather just screw you over until you catch their unauthorized tactics.
felt totally ripped off, October, 2017
Have had policy for years and paid regularly. Did not realize, as annual report they send is several pages long, that my policy would eventually expire because they were not getting enough from their investments and therefore my rates were going up, so instead of earning money in my whole life policy, I was loosing money. Customer service was terrible - took very long time to get to a person and then they were useless. Cancelled policy, but if I had been clearly told that value was going down a few years ago, I would have cancelled then.
policy went up 400% at age 61, October, 2017
we have had policies for over 20 years to cover our ourselves since we had a small business.This year the cost went up 400% since I turned age 61.At this time we have decided to go without any coverage should have went with another company.
Unethical and Abusive: Opinion and Experience, January, 2018
This is an opinion piece, corroborated by many others online. This company has misleading business practices, horrific customer care and are just money grubbing scum -- a fancy version of a used car dealership -- no long term focus, just screw who you can today.
Stay FAR FAR AWAY from these jackals!!
Tricked a family member into signing up for highly abusive and very unfavorable annuity using early "bonuses" to make it look fabulous.
Bamboozled someone who wasn't financially savvy, she really got ripped off. Long penalty phase with very high "early termination" fee's. Midland wou;
Amazing that anyone who works there can sleep at night given the abusive contracts they put trusting women/not super savvy people in.
There is a special place in Hell for these jackals.
Stay FAR FAR AWAY!!! You have been warned.
Cancelled for one missed payment, July, 2015
I was employed with a nice 3 figure income in 2006 when I took out this whole life insurance policy. I was injured on the job and now live on disability since 2009 so I have been paying enough to keep the policy active without earning interest on extra funds. It's been 7 months since I received a statement from them that didn't start with "Grace period". I missed one payment in June and bam, policy terminated. I have to submit all new information to reinstate the policy. Horrible trying to reach them by phone. I did get a call back after leaving an email last week. I'm guessing now that I'm almost 10 years older and have asthma which I didn't have when I applied the rates will go up. I think it's really bad business to terminate for one missed payment especially when I called to address the issue the FIRST notice I received only to be told by the customer service rep that I was wrong… apparently I am lying about not receiving statements and I should have sent more than minimum payments and they wouldn't have terminated the policy. Looking for new insurance that treats people like people!! I've always made sure I paid when the first and only notice arrives. Seems like a scam, terminate then charge more to reinstate. A phone call from them would have taken care of the situation immediately before they terminated the policy.
Helpful representatives, May, 2019
We had a question about the convertibility of our term policy... Alison was very helpful explaining the requirements... made our decision easy.
Excellent products and service!, May, 2019
113 year old company with A+ rating by A.M. Best. Outstanding product line, both life and annuity. Home Office staff is very friendly and strives to help to accomplish the "task at hand".
Tremendous leadership, extremely strong financials and overall, a "Great" company!
Great Company!, May, 2019
Midland National is a great company, They have very competitive products and a strong customer-focused model. I was please to get coverage with them.
a trusted company for over 100 years., April, 2019
You can count on Midland to be there now and in the future. Amazing solutions for todays problems. Midland is your answer.
Excellent Co!, April, 2019
Hands down the best at life insurance! Great service, support and products-long term value for policyholders! Their ESOP ownership extends that value as well!
17 years later, solid Performance & Service, April, 2019
I have cash value life insurance with several companies, but our Midland National policies purchased in 2002 and 2014 are performing better than expected.
I did the research and I believe they have the best policy design and include features and guarantees that are hard to match elsewhere.
Great company, April, 2019
I’ve been in the business for 20 years and Midland National is by far the easiest to do business with.
Great benefits, consistent performance, low costs!, April, 2019
Midland has given me a consistent professional experience, great performance, and low costs plus living benefits I don't have to die to use!
Great policy with conversion options, April, 2019
Really helpful staff and service before and after the sale. Super impressed with this organization, their products and their service team. A+.
Excellent and trustworthy company, April, 2019
I Trust this company with all of my life insurance needs. Excellent service from my agent and the home office.
Great company, April, 2019
I’ve been in the business for 20 years and Midland National is by far the easiest to do business with.
Own multiple policies, April, 2019
I have several policies with Midland National and have been very pleased with the value of these policies and the service I have received
Like a family!, April, 2019
As an Agent working with customers and different insurance companies, it is amazing to find a company with this exceptional service! You can actually talk to a live person and they want to help.
I am satisfied with this insurance. , September, 2019
Just had to wait too long to get a representative. when I did connect. the rep. was vey helpful and pleasant.
Midland is still operating like it's the 1900's, September, 2019
Can't pay my bill online. Wait 30 minutes on hold on the phone to finally get the option to have them call me back. Their representative calls and says that they just added online bill pay. The actuality is that they added a form you can download, fill out, and scan back in to them.
Gary Pollock Agent, August, 2019
I am an agent and Policy holder of Midland for 40 years and have always found there treatment of me to be good, As a agent and Reg Rep who works with many Company is such a pleasure to talk to a live person who can get you to the right place for what you need. Most company's have switched to Phone trees and make it hard to reach a live person.
A genuine company with helpful employees, August, 2019
Midland has always been quick to answer my questions and provide me with all of the information I have needed in regards to policy questions.
I would not hesitate to represent Midland or to be insured through Midland.
Customer Service , August, 2019
I had to make a call about paperwork I submitted. Ann was great! She was able to look up my info, found the problem, assisted me in sending me what I need to fix the problem. She was able to expedite the process for me. Ann also went out of her way to do a follow up call. I work I. A call center in customer service for over 20 years, she went above and beyond to assist me. She is an asset to your company!
Claims process is frustrating, June, 2019
Trying to get any help over the phone was incredibly frustrating. Hold times were extremely long. Received conflicting information. Kept getting a generic response that they had not yet received a copy of the death certificate when I knew via tracking number they had received it and other reps confirmed receipt on prior calls. Multiple policies were involved and later found out Midland overlooked processing them all, so now later having to start all over again..... arghhhhhh !