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Submitting new business

Hybrid life/long-term care

Contact-free tools for the new business process

From starting the conversation all the way through policy delivery, Securian Financial offers you support and solutions — including an assortment of contact-free tools to provide clients with the long-term care (LTC) solution they need.

Use the outline below as a guide for submitting new business to Securian Financial. This process applies to our SecureCare™ product line.

Have questions or need assistance?

Your new business and sales teams are here to help walk you through the process.

New business questions

Sales and illustration support

Hybrid life/LTC new business process

1. Pre-screen your client

Guide and checklist

Refer to our guide and checklist to help collect a health history. Then call 1-888-405-5824 or email to complete an underwriting pre-screen.

2. Get appointed

Licensing and appointment

Use our long-term care (LTC) licensing and training document to ensure you have the proper licensure to sell SecureCare. Then make sure to send your licensing information and certificates of completion to Securian Financial.

3. Complete a paperless application


Our customized eApp1 — available on our secured site for financial professionals or through iPipeline® — allows your clients to only answer relevant questions based on their demographic information and the product they’re applying for.


If submitting business outside of eApp, financial professionals with an existing DocuSign relationship can receive client signatures and submit the application electronically using DocuSign.1 DocuSign is also available to electronically sign life insurance applications and forms.

4. Schedule contact-free underwriting

Contact-free underwriting

Clients have the option to use the online portal to schedule their tele-interview and begin the contact-free underwriting process: no paramedical exams or labs required.

5. Track the application’s status

Pending business tool

Once you've submitted your application and forms to Securian Financial, you can easily monitor the status of pending business and keep clients informed.

6. Enjoy paperless policy delivery

ePolicy Delivery1

ePolicy Delivery provides you and your clients with a completely paperless application experience with electronic signatures.

7. Collect premium digitally

Online initial premium

Clients can submit initial premium for new SecureCare applications online at

Your new business team can outline subsequent premium payment options, including the ability for paperless monthly Electronic Funds Transfer (EFT) payments.

8. Encourage online self-service for clients

My Account

My Account is our online portal where clients can access their SecureCare policy, update contact information, view account balances and more.2

1. Not available in all states.

2. SecureCare policyholders can no longer view information on My Account once their policy has an active claim.

SecureCare refers to a line of hybrid life/long-term care insurance products issued by Minnesota Life Insurance Company, including SecureCare Universal Life and SecureCare III, a non-participating whole life policy with long-term care. SecureCare (including SecureCare Universal Life and/or SecureCare III) 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.

These materials are for informational and educational purposes only and are not designed, or intended, to be applicable to any person’s individual circumstances. It should not be considered investment advice, nor does it constitute a recommendation that anyone engage in (or refrain from) a particular course of action. Securian Financial Group, and its subsidiaries, have a financial interest in the sale of their products.

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 3-2022