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This page is for financial professional use only. If you feel you have been misdirected, please visit our home page.
Freedom and flexibility within reach
SecureCare Universal Life (SecureCare), 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 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
- Most robust international benefits in the industry2
Contact us
Offer a long-term care insurance alternative within reach for more clients.
Contact our SecureCare sales team today
- 1-877-696-6654 or email the sales team (Securian and Broker-Dealer)
- 1-888-900-1962 or email the sales team (Independent Brokerage)
Underwriting pre-screens
- 1-888-405-5824 from 8:30 a.m. - 3:30 p.m. CST, Monday - Friday or send an email.
Popular SecureCare materials
For financial professional use
About the product
- SecureCare video resource library
- To receive our most recent SecureCare competitive features comparisons, please contact our sales team.
- Why SecureCare?
(pdf)
- SecureCare product highlights
(pdf)
- SecureCare guide for financial professionals
(pdf)
- SecureCare tax sales success e-toolkit
(pdf)
- How to write SecureCare remotely
(pdf)
- LTC consumer social media e-toolkit
(pdf)
- Case study: the power of indemnity benefits
(pdf)
- SecureCare FAQ
(pdf)
- SecureCare tax guide
(pdf)
- Using HSA dollars to pay for LTC
(pdf)
- Key employees and C corporation owners tax sales idea
(pdf)
- S corporation owners tax sales idea
(pdf)
- SecureCare funding source: RMDs
(pdf)
About the application and claims process
- LTC licensing and training requirements
(pdf)
- How it works: application and underwriting
(pdf)
- How it works: backdating to save age
(pdf)
- How it works: long-term care replacement
(pdf)
- How it works: hybrid life/LTC product
(pdf)
Approved webinars
To share with clients
About the product
- SecureCare consumer brochure
(pdf)
This brochure is for states subject to IIPRC standards. To receive a state-specific version, contact our sales team or access our.
- Which asset consumer brochure
(pdf)
This brochure is for states subject to IIPRC standards. To receive a state-specific version, contact our sales team or access our.
- Why SecureCare?
(pdf)
This brochure is for states subject to IIPRC standards. To receive a state-specific version, contact our sales team or access our
.
- Securian Financial's Care Management Program
(pdf)
This brochure is for states subject to IIPRC standards. To receive a state-specific version, contact our sales team or access our.
About the application and claims process
- What’s next: teleinterview prep guide
(pdf)
- How it works: claims process
(pdf)
- A shopper's guide to long-term care insurance
(pdf)
A focus on caregiving
- Sandwich generation: caregiving stressors and solutions
(pdf)
- LTC quick questionnaire
(pdf)
- Caregiving fact sheet
(pdf)
This brochure is for states subject to IIPRC standards. To receive a state-specific version, contact our sales team or access our.
Looking for print versions of popular SecureCare materials? Order them today!
The world of caregiving
Caregiving can be an enriching experience for your clients, but it’s important to find the right balance and the right resources. Especially when caregiving can practically be a part-time job. Did you know 41% of caregivers have taken days off work and 22% have worked fewer hours?3
According to a recent Securian survey,3 60% of caregivers spent 10-plus hours a week caring for a loved one; while 29% spend more even more — 20 hours per week.
That’s why your clients should be planning for their future care now. Share the benefits of SecureCare with them today.
From a position of financial strength
By way of our products and purpose to help people build secure tomorrows, Securian Financial has provided reassurance during times of uncertainty for 140 years.
- Our COVID-19 response
- Policyholder treatment
(client use)
(pdf)
- Policyholder treatment
(financial professional use only)(pdf)
- About Securian Financial
(pdf)
- Value of high ratings
(pdf)
- At a glance statistics
- Company ratings
- Quarterly investment update
(pdf)
- Annual report
(pdf)
CARES Act resources
Client resources for the Coronavirus Aid, Relief and Economic Security (CARES) Act can be found on our life insurance solutions page.
Resources for working with clients in volatile markets
- 12 tips for effective client web meetings
(financial professional use only)(pdf)
- Putting market declines into perspective
(pdf)
- Emotional cycles of the market
(pdf)
- Rewards for taking risks
(pdf)
- Diversified portfolio avoids extremes
(pdf)
- Why staying invested can increase returns
(pdf)
- Investor behavior
(pdf)
- S&P 500® index – and indicator of the market's status
(pdf)
- Stocks Bonds Bills and Inflation
(pdf)
- Market timing smothers returns
(pdf)
- Sequence of returns risk
(pdf)
- Help clients keep their perspective on the market
(video)
1. Reduced paid-up benefit refers to the reduced paid-up nonforfeiture benefit that purchases paid-up insurance in the event of premium lapse.
2. Based on competitive research as of January 2019.
3. Securian 2018 online caregiver survey conducted online by KRC Research among 816 caregivers ages 18+, February 2018.
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 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 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
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