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Individual life insurance

A history of innovative products

Securian Financial and Minnesota Life Insurance Company are well-known for bringing innovative products to the individual life market.

We were the first carrier to introduce adjustable products into the marketplace back in the 1980s and have since had numerous other industry firsts:

  • First carrier to develop a Chronic Illness Conversion Agreement
  • One of the first companies to pay an index crediting bonus to clients
  • First carrier to offer a Corporate Early Values Agreement on an indexed universal life product

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Our individual life product lineup

We offer a full suite of term, indexed, survivor and variable products to help meet a variety of client needs.

Term life products

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

Learn about our term life products

Indexed universal life products

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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. They allow for higher crediting potential than fixed-interest policies, while also protecting clients from negative earnings.

Learn about our indexed universal life products

Variable universal life insurance products

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

Learn about our variable universal life insurance products

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 (which may increase over time), and may contain restrictions such as surrender charges. Variable life insurance products contain fees, such as management fees, fund expenses, distribution fees and mortality and expense charges (which may increase over time). The variable investment options are subject to market risk, including loss of principal. 

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. 

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 information is a general discussion of the relevant federal tax laws provided to promote ideas that may benefit a taxpayer. It is not intended for, nor can it be used by any taxpayer for the purpose of avoiding federal tax penalties. Taxpayers should seek the advice of their own advisors regarding any tax and legal issues specific to their situation.

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

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 affiliates, have a financial interest in the sale of their products.

Not a deposit - Not FDIC/NCUA insured - Not insured by any federal government agency - Not guaranteed by any bank or credit union - May go down in value

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.

DOFU 2-2020