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Life insurance sales strategies

Tools and resources to help grow your business

We offer a variety of ideas and tools to help you grow your business. Our resources help you develop financial strategies for clients with life insurance servicing as the centerpiece.

Here you’ll find our life insurance sales strategies all in one convenient location.

Your sales team

Contact us for even more tools on a variety of topics.

1-888-413-7860, Option 1 or email the sales desk

Indexed universal life

Indexed universal life (IUL) insurance policies provide lifetime death benefit protection along with tax-advantaged cash value growth tied to changes in an underlying index.1 They allow for higher crediting potential than fixed-interest policies, while also protecting clients from negative earnings.

Learn more about IUL

Variable universal life (VUL)

Variable universal life (VUL) insurance policies offer subaccount choices that allow clients to invest directly in the market — providing unlimited growth potential with added investment risk.

Learn more about VUL


Survivorship policies cover two people with one death benefit payable after the death of the second insured. These policies are ideal for couples wishing to leave a legacy for their heirs.

Learn more about Survivorship


Our term life insurance products offer your clients affordable premiums, a choice of coverage periods and the ability to convert to a permanent product in the future.

Learn more about Term

Advanced sales strategies

Securian Financial’s advanced sales team delivers value to clients with enhanced case design, consultative support and innovative solutions in a variety of areas.

Learn more about advanced sales support

Business building strategies

Beyond innovative products and thoughtful service for you and your clients, we offer a variety of ideas and tools to help you develop financial strategies for your clients and help grow your business.

Learn more about our sales solutions


Sound strategies

Consumers need education on a variety of topics. Use our Sound Strategies to help guide and support your conversations.

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Looking for linked benefit?

You can find tools and resources on our long-term care (LTC) sales solutions page.

View LTC sales solutions
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Grow your business

We offer a variety of tools and presentations that can help address client needs with life insurance.

View seminars

Calculate your client’s needs

Our life insurance needs calculators take several factors into account and estimate the amount of life insurance coverage a client might need.

Access calculators

1. Depending upon actual policy experience, clients may need to increase premium payments to keep the policy in force.

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, Index Segment Charge, and Surrender Charge (which we refer to as expense charges). These charges may increase over time, and the policies may contain restrictions, such as surrender periods. Variable life insurance products contain fees, such as mortality and expense charges, and may contain restrictions, such as surrender periods. There may also be underlying fund charges and expenses, and additional charges for riders that customize a policy to fit individual needs. Charges and expenses may increase over time. The variable investment options are subject to market risk, including loss of principal.

Policy loans and withdrawals may create an adverse tax result in the event of lapse or policy surrender and will reduce both the surrender value and death benefit. Withdrawals may be subject to taxation within the first fifteen years of the contract. Clients should consult their tax advisor when considering taking a policy loan or withdrawal.

This material may contain a general analysis of federal tax issues. It is not intended for, nor can it be used by any taxpayer for the purpose of avoiding federal tax penalties. This information is provided to support the promotion or marketing of ideas that may benefit a taxpayer. Taxpayers should seek the advice of their own tax and legal advisors regarding any tax and legal issues applicable to their specific circumstances.

Securian Financial is the marketing name for Securian Financial Group, Inc., and its subsidiaries. Minnesota Life Insurance Company and Securian Life Insurance Company are subsidiaries of Securian Financial Group, Inc.

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 4-2023