Skip to main content
Securian Financial Home

Review LTC appointment requirements

Hybrid life/long-term care licensing and appointment

In order for you to sell our hybrid life/long-term care (LTC) products, you must be appointed by Minnesota Life Insurance Company.

Minnesota Life issues our products in all states except New York. We currently do not offer hybrid life/long-term care products in New York.

To sell our hybrid life/long-term care products, you will need to provide the following:

If commissions on products are paid to a different licensed entity than the broker, you will need to provide the following:

  • The assignee must be licensed in the assignor resident state

If doing business as (DBA)/Alternate Payee (Another entity will receive the compensation, but the 1099 is reported to the person writing the business), you will need to provide the following:

  • Completed EFT Form (pdf) and select Sole Proprietorship
  • Do not complete Assignment of Commissions on Fixed Products

Final steps to complete the Broker Appointment Process

  1. You will need to complete and show that you have done the Anti-Money Laundering training.
  2. Once completed, your brokerage manager will forward all of the necessary forms and supporting documents.

General licensing guidelines

Any individual soliciting insurance products must be licensed and appointed as follows:

  • in the state where the broker resides,
  • in the state where the contract owner resides, and
  • in the state where the contract owner signs the application.

The product must be approved in the state where the application is signed. 

The Appointment Requirements document provides solicitation requirements that are applicable to all producers soliciting business for Securian Financial and its subsidiaries.

Pre-appointment states

Minnesota Life issues products in the following states currently classified as a pre-appointment states:  

  • Pennsylvania - an appointment must be approved before first solicitation occurs for all products.  
  • Wisconsin - an appointment must be approved before solicitation of Long Term Care products (this includes Life products that have LTC benefits). 

Applications received that are signed prior to the appointment effective date in these states will not be accepted and will be returned.

Concurrent submission states

All others states are considered concurrent submission states. These states do not require a financial professional to be appointed prior to submitting the first contract application to the issuing company.

If we receive completed appointment paperwork at the same time an application is submitted and we determine that our primary appointment criteria has been met, we will begin our review of the application and file a notice of appointment.

For brokers contracting with us, please note that any assignee must be licensed in the assignee's resident state.

Contact Info

Central Licensing

1-866-284-6584 Option 5

Email Central Licensing

Mail or fax completed appointment paperwork to:

Mailing address
400 Robert St. N.

St. Paul, MN 55101-2098

Fax number



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

Product features and availability may vary by state.

Long-term care insurance may cover care such as nursing care, home and community-based care, and informal care. Please ensure that your clients consult a tax advisor regarding long-term care benefit payments, or when taking a loan or withdrawal from a life insurance contract.

For financial professional use only. Not for use with the public. This material may not be reproduced in any form where it is accessible to the general public.

DOFU 4-2024