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SecureCare Universal Life

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SecureCare UL — A powerful long-term care solution

Freedom and flexibility within reach

SecureCare Universal Life (SecureCare UL), a permanent life insurance policy with cash indemnity long-term care (LTC) benefits issued by MINNESOTA LIFE INSURANCE COMPANY, can help protect your clients’ income and assets from costly health care expenses. 

SecureCare UL is an LTC solution your clients can count on for:

  • Cash indemnity LTC benefits
  • Multiple premium payment options
  • Reduced paid-up benefit1 
  • Four inflation protection options 
  • Streamlined underwriting
  • Potential to deduct LTC premiums 

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Offer a long-term care insurance alternative within reach for more clients.

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  • 1-888-405-5824 from 8:30 a.m. - 3:30 p.m. CST, Monday - Friday or send an email.

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1. Reduced paid-up benefit refers to the reduced paid-up nonforfeiture benefit that purchases paid-up insurance in the event of premium lapse.

Insurance policy guarantees are subject to the financial strength and claims-paying ability of the issuing insurance company.

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

Life insurance products contain fees, such as mortality and expense charges, and may contain restrictions, such as surrender periods.

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 state and may not be available in combination with other agreements.

The optional Long-Term Care Inflation Protection Agreement is available with 3% simple interest, 3% compound interest, 5% simple interest or 5% compound interest. 

SecureCare UL may not be available in all states. Product features, including limitations and exclusions, may vary by state.

SecureCare Universal Life Insurance includes the Acceleration for Long-Term Care Agreement. The Acceleration for Long-Term Care Agreement is a tax qualified long-term care agreement that covers care such as nursing care, home and community based care, and informal care as defined in this agreement. This agreement provides for the payment of a monthly benefit for qualified long-term care services. This agreement is 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 this agreement may be taxable.

The death proceeds will be reduced by a long-term care or terminal illness benefit payment. Please consult a tax advisor regarding long-term care benefit payments, terminal illness benefit payments, or when taking a loan or withdrawal from a life insurance contract.

SecureCare UL may not cover all of the costs associated with long-term care or terminal illness the insured incurs. This product is generally not subject to health insurance requirements. This product is not a state-approved Partnership for Long Term Care Program product, and is not a Medicare Supplement policy. Receipt of a long-term care or terminal illness benefit payment under this product may adversely affect eligibility for Medicaid or other government benefits or entitlements.

This information should not be considered as tax or legal advice. Clients should consult their tax or legal advisor regarding their own tax or legal situation. 

INSURANCE PRODUCTS ISSUED BY MINNESOTA LIFE INSURANCE COMPANY or Securian Life Insurance Company, a New York authorized insurer. Minnesota Life is not an authorized New York insurer and does not do insurance business in New York. Both companies are headquartered in Saint Paul, MN. Product availability and features may vary by state. Each insurer is solely responsible for the financial obligations under the policies or contracts it issues.

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

ICC17-20103, 17-20103 and any state variations

ICC17-20111, 17-20111 and any state variations

ICC17-20112, 17-20112 and any state variations

ICC17-20113, 17-20113 and any state variations 

DOFU 7-2019 Rev 3-2022
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