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Product Agreements

You can customize your client's policy to fit their needs with our optional agreements.

Business riders


  • Early Values Agreement
  • Exchange of Insured's Agreement
  • Surrender Value Enhancement Agreement

Early cash value riders


  • Early Values Agreement
  • Surrender Value Enhancement Agreement

Death benefit payout option riders


  • Benefit Distribution Agreement
  • Income Protection Agreement
  • Income Protection Flex Agreement

Next steps

Additional product resources available on our secured site

Get access to these and other tools on our secured website for financial professionals.

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.

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.

Insurance products issued by Minnesota Life Insurance Company / Securian Life Insurance Company

Policy form numbers: ICC16-20057, 16-20057 and any state variations; 15-20026; ICC16-20076, 16-20076 and any state variations; ICC18-20157, 18-20157 and any state variations; ICC16-20058, 16-20058 and any state variations; ICC16-20083, 16-20083 and any state variations; 16-20068 and any state variations; ICC12-920, 12-920 and any state variations; SL-12-920; ICC09-915, 09-915 and any state variations; SL-09-915.31; ICC11-916, 11-916 and any state variations; SL-12-916; ICC19-20206, 19-20206 and any state variations; SL-09-939.31; ICC18-20141, 18-20141 and any state variations; SL-12-914; ICC13-937, 13-937 and any state variations; SL-13-937; ICC14-20000, 14-20000 and any state variations; 13-302 and any state variations; SL-13-302; 16-20077 and any state variations; ICC18-20151, 18-20151 and any state variations; ICC19-20198, 19-20198 and any state variations; ICC16-20081, 16-20081 and any state variations; SL-09-911.31; ICC15-20003, 15-20003 and any state variations; 12-301 and any state variations; 14-20005 and any state variations; ICC15-20040, 15-20040 and any state variations; SL-09-917.31; ICC16-20075, 16-20075 and any state variations; 08-900SL.31; ICC15-20012, 15-20012 and any state variations; 06-944R, 066-944 and any state variations; SL-09-944.31; ICC08-943, 08-943 and any state variations.

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 8-2022

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