Midland renewal comp and comp on excess premiums is much higher. I did the comparisons back when I was looking and all rolled together Midland paid much better, plus I deal directly with them and don't have to screw with an IMO. As to products they will perform nearly identically. However in most cases Midland performs a few dollars better in cash values or a couple bucks lower in premium on GUL type sales. Most of the other agents I have who use NA don't like them very much. Most MNL agents do. I know lots of them after having been on their trips over the past 10 yrs or so. I think that's funny because NA and MNL are in the same building and sit side by side. I'm pretty sre the NA agents don't know that they don't like their IMO rather than the insurance company.