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Innovation that shapes tomorrow

How we bring innovation to life

At Securian Financial, we are guided by a set of values that cultivates collaboration and propels us forward toward our shared purpose of building secure tomorrows. With innovation, it is no different.

At the heart of what we do, innovation is creating smarter, simpler and more human-centered ways to meet evolving needs - while staying true to our purpose. Innovation shows up in the new solutions we bring to market, the partnerships we build and the capabilities we enhance.

Turning fresh ideas into practical, people-first solutions

We prioritize developing solutions that anticipate and adapt to changing needs.

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Hybrid innovation for long-term care needs

Our SecureCare product line (SecureCare) offers insurance solutions that combine the strength of life insurance with the flexibility of long-term care protection. By turning each premium dollar into the potential for multiple dollars of care, SecureCare empowers policyholders to access the support they need - while preserving resources for the things that matter most.1

Smarter payment protection solutions support growth and security

Digital lending is transforming the financial landscape by making borrowing more convenient and accessible. The simple process of answering a few questions and receiving an immediate response has changed how borrowers get loans. Our innovative collaboration with digital lenders adds our payment protection products to the equation, enabling them to protect their borrowers from default while generating non-interest income.

Advancing through smarter, simpler ways to serve others

As we embrace AI and automation, we deliver faster, smarter, and more scalable services, improving customer experiences and outcomes.

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Empowering smarter benefits decisions

5.1 million employees use Benefit Scout®, our patented interactive digital platform, each year to help make benefits decisions.2

Benefit Scout guides employees where and when they need it — including education and support, cost calculators, virtual chat capabilities or on-demand benefit counselors.

Employees simply answer a few questions about their family, lifestyle, savings and debts. Benefit Scout then analyzes their answers with data and decision logic to identify options for them, based on their unique needs and provides benefit and cost estimates, which they can evaluate and customize before enrolling.

Improved claims paying abilities

Our claims process uses automated document processing to help customers get paid faster, reducing stress and improving satisfaction. Claims for accident, hospital indemnity, and critical illness are now paid within one day of approval on average.3

Proceeding with purpose

While it’s not innovative to show compassion, our history of caring for our policyholders has driven us to develop innovative solutions and partnerships that go beyond just paying a claim.

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Supporting families through loss

We have a strategic partnership with Empathy,4 a comprehensive bereavement support service that provides on-demand personalized guidance and care for the administrative, emotional, legal, and financial challenges associated with loss.

Seamlessly incorporated into our claims experience, this service is available at no additional cost to beneficiaries of employees enrolled in group life insurance as part of our Beneficiary Claims Services and to all individuals (employee, spouse and insurance-eligible children) enrolled in accident, critical illness or hospital indemnity insurance with life-threatening conditions at the time of claim.

Innovative product solutions

We strive to develop new innovative products that meet the needs of our customers. We were the first in the industry to offer a Chronic Illness Conversion Agreement. This agreement, available with our term life insurance policies, is rare in the industry, helping policy holders to lock in their insurability while they are younger and potentially healthier.1 It allows policy holders to add chronic illness coverage to their permanent policy without additional underwriting at the time of conversion.

Innovation at work

Sustainable and impactful approach

At Securian Financial, we take a disciplined approach to experimentation, testing, learning, and scaling, to ensure innovation is both sustainable and impactful. Continuously evolving while learning from our own proprietary insights and other experts, our approach to innovation remains grounded in the shared goal of creating value for our customers to meet changing needs and create long-term impact.

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PRODUCTS & SERVICES, TECHNOLOGY

Flipping the script: Making the claims experience employee-friendly

Explore how insurers are taking a digital, customer-first approach to advance the claims process.

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TECHNOLOGY

Responsible AI is key to unlocking better benefits innovation

As AI adoption accelerates across the insurance and benefits landscape, responsible governance is no longer optional, it’s essential.

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PRODUCTS & SERVICES

Reproductive health benefits

We’ve expanded our supplemental health solutions to include new and innovative reproductive health benefits, covering employees with meaningful support during life’s most personal journeys.

  1. If owner/insured are different, benefits will be paid to the owner upon the insured being certified by a licensed health care practitioner as a chronically ill individual.
  2. According to Securian Financial's monthly site intercept survey findings, 2025.
  3. As of January, 2025. Statistics reflect entire group insurance business of Minnesota Life Insurance Company and Securian Life Insurance Company.
  4. Value-added services availability and features may vary by state. Your Securian Financial representative can confirm availability. The relationship between The Empathy Project Inc. and Securian Financial Group, Inc., is that of independent contractor. These services are not affiliated with Securian Financial Group, Inc. or its group contracts and may be discontinued at any time. Certain terms, conditions, and restrictions may apply when utilizing the services. The Empathy Project Inc. is responsible for the services it provides and does not have the power or authority to obligate or bind Securian Financial Group, Inc., in any manner beyond that which is contractually agreed to by the parties.

Please keep in mind that the primary reason to purchase a life insurance product is the death benefit.

Life insurance products contain charges, such as Cost of Insurance Charge, Cash Extra Charge, and Additional Agreements Charge (which we refer to as mortality charges), and Premium Charge, Monthly Policy Charge, Policy Issue Charge, Transaction Charge, and Surrender Charge (which we refer to as expense charges). These policies may contain restrictions, such as surrender periods.

SecureCare refers to a line of hybrid life/long-term care insurance products issued by Minnesota Life Insurance Company, including SecureCare Universal Life, SecureCare III, a non-participating whole life policy with long-term care, and SecureCare IV, a non-participating whole life policy with long-term care. SecureCare (including SecureCare Universal Life, SecureCare III, and/or SecureCare IV) may not be available in all states. Product features, including limitations and exclusions, may vary by state. SecureCare products contain qualified long-term care agreement(s) that cover care such as nursing care, home and community-based care, and informal care as defined in those agreements. These agreements provide for the payment of a monthly benefit for qualified long-term care services. These agreements are intended to provide federally tax qualified long-term care insurance benefits under Section 7702B of the Internal Revenue Code, as amended. However, due to uncertainty in the tax law, benefits paid under these agreements may be taxable. Additionally, SecureCare products may contain other additional agreements, which may be subject to additional costs and restrictions, and may not be available in all states or exist under a different name in various states. 

Additional agreements may be available. Agreements may be subject to additional costs and restrictions. Agreements may not be available in all states or may exist under a different name in various states and may not be available in combination with other agreements. 

Payment protection refers to our suite of products that support lending solutions sold through financial institutions.  These products include debt protection and credit insurance.

Debt protection is a product of the lender.  Minnesota Life Insurance Company acts as the administrator of the lender’s debt protection program. A contractual liability policy may be issued to the lender by Securian Casualty Company, a New York authorized insurer. The lender is independently owned and is not affiliated with Securian Financial.

Benefit Scout is an educational tool designed to help you understand and make decisions about your employee benefits.  This tool takes into account certain information about you in order to provide a recommendation for which coverages fit your needs. Additional factors about your situation may also be important.  If you would like additional advice, please contact a financial professional prior to making your coverage selections.   

Recommendations may alter after further refinement in decision support tools.

Group accident insurance/Group critical illness insurance/Group hospital insurance Limitations and exclusions apply. These policies have exclusions, limitations, reduction of benefits, and terms under which the policy may be continued in force or discontinued. All elections or increases are subject to the actively at work requirement of the policy. Product availability and features may vary by state.

DOFU 12-2025

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