I met all their criteria on claim forms after they said it could be done over the phone. Ten days wasted then they call and need hard copies . sixteen days later I receive a letter that they want more information that is not on their list. Midland national is dragging this out as long as possible . Two other companies have already paid and closed their files on this same claim . All three companies received the same paper work and mailed the same day. I will not put my loved ones through this upon my death . I will not do business with midland national and will help others find a better company to work with for their loved ones. User's recommendation: DO NOT USE MIDLAND NATIONAL LIFE INSURANCE.