Learn how you can create guaranteed retirement income
for the next exciting phase of your life

Encore Lifetime Income can help provide you with the guarantees, flexibility and potential growth that allow you to experience retirement on your own terms. Take a few moments to watch this video and to learn how Encore Lifetime Income, an optional living benefit available through a variable annuity, can help you protect, grow and enjoy your retirement income – freeing you up to concentrate on the next rewarding stage of your life.

Please review the important information below.

» Learn more about variable annuities and Encore Lifetime Income
» View our Encore Lifetime Income brochure 
» View Encore facts at a glance

An annuity is a long-term, tax-deferred investment vehicle designed for retirement. Earnings are taxable as ordinary income when distributed, and if withdrawn before age 59½, may be subject to a 10% federal tax penalty. If the annuity will fund an IRA or other tax-qualified plan, the tax deferral feature offers no additional value. There are charges and expenses associated with annuities, such as deferred sales charges for early withdrawals. Variable annuities have additional expenses such as mortality and expense risk, administrative charges, investment management fees and rider fees. Variable annuities are subject to market fluctuation, investment risk and loss of principal.

Encore is available for an additional cost and establishes a Benefit Base for calculating guaranteed annual income. The Benefit Base provides no minimum contract value or investment return and is not available for withdrawal. Withdrawals exceeding allowed guidelines, or taken before the benefit date, may have a negative impact on Encore's guarantees. If elected, Encore must remain in place 7 years and requires use of an approved asset allocation strategy.

Not all products and optional benefits are available in all states and features may vary by state.

Encore Lifetime Income is available with MultiOption® Advisor, Legend, and Extra variable annuities. This presentation must be preceded or accompanied by the applicable variable annuity prospectus. You can refer to the applicable current prospectus online. Contact your advisor for more information about the costs and details about Securian's variable annuities and the optional benefit, Encore Lifetime Income. You should consider the investment objectives, risks, charges and expenses of a portfolio and variable insurance product carefully before investing. The portfolio and variable insurance product prospectuses contain this and other information. Please read the prospectus carefully before investing.

Products are not federally (FDIC/NCUA) insured – May lose value – No financial institution guarantee.

Guarantees are based on the financial strength and claims-paying ability of the issuing company. The guarantees have no bearing on the performance of the variable investment options.

This information is a general discussion of the relevant federal tax laws. It is not intended for, nor can it be used by any taxpayer for the purpose of avoiding federal tax penalties. This information is provided to support the promotion or marketing of ideas that may benefit a taxpayer. Taxpayers should seek the advice of their own tax and legal advisors regarding any tax and legal issues applicable to their specific circumstances.

03-70090  09-70158  09-70159  11-70202  ICC11-70202  11-70203  ICC11-70203
F73918 Rev 11-2012
DOFU 11-2012
(A01696-0411)
A02954-0712