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CICA is not approved for sale in CA and WA..

Chronic Illness Conversion Agreement (CICA)

The Chronic Illness Conversion Agreement (CICA) guarantees your client the right to add the Accelerated Death Benefit for Chronic Illness Agreement (ADB-CIA) to a policy that offers that agreement without providing evidence of insurability at the time of conversion.


  • Available on Advantage Elite Select term policies
  • Face amounts: $100,000 – $5 million 
  • Issue ages: 16-60
  • Must have Extended Conversion Agreement (ECA) 
  • CICA Conversion period is the lesser of age 65 or the end of the ECA period (may differ from base life policy)

How it works

  • Your client chooses the maximum chronic illness death benefit amount that will be available upon conversion.
  • When converting to a permanent policy, your client may convert any percentage of their chronic illness benefit amount (within the parameters noted below) for chronic illness benefits with the addition of the Accelerated Death Benefit for Chronic Illness Agreement on the permanent policy. 
    • If the Accelerated Death Benefit for Chronic Illness Agreement is added at the time of conversion, a minimum of $100,000 of the CICA amount must be converted. No more than the new permanent base face amount may be converted.
    • If the term policy has the Benefit Distribution Agreement, the CICA maximum is the base face amount.


Products with the Chronic Illness Conversion Agreement:


Next steps

Additional 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  and may contain restrictions, such as surrender periods. 

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

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

Policy form numbers: 16-20068 and any state variations; ICC16-20074, 16-20074 and any state variations

The information presented above is solely intended for use by financial professionals. Such information is not intended for public consumption or dissemination.

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 8-2022