Business ProfileforMidland National Life Insurance Company

I have had an annuity/IRA account for years and make an annual withdrawal on the listed date, March 19th. This year my husband died in January. In trying to work through all the many issues related to his death, I was working hard on putting together a new budget and so filled out the annual required withdrawal form at the end of February. I signed the form on 2/25/24. Well aware that the withdrawal date was March 19th, I attached a handwritten note stating this form was for use on that date.Suddenly, i was hit with a much larger withdrawal than my usual annual RMD, including huge penalties for early withdrawal. No one ever contacted me. Our financial adviser made several calls to try and straighten this out. One person said they never saw any letter. Another said they got it but it "didn't count". Only the form date did. I called. After long delays i got disconnected twice. I have sent 2 letters with copies of all documents and have been ignored.I was just trying to be organized during a very tragic time. If anyone at Midland even took the time to read the note attached to my RMD form, they didn't even bother to call or email me. Everyone has been exceptionally dismissive and rude. I'm a very reasonable person, not a complainer. But this is just wrong.