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Inflation agreement

Our Inflation Agreement increases the face amount of the policy every three years based on increases in the Consumer Price Index (CPI) to help safeguard policies against the growing costs of everyday living.


Issue ages

0 - 56 years old

Maximum increase

Lesser of 2 times the CPI or $100,000

Minimum increase

Lesser of 1 times the CPI or $100,000

Timing of Increase

On the policy anniversary at the end of every three-year period


Client receives notification of the upcoming offer and increase is automatic, unless refused by the client

Underwriting requirements

  • Underwriting is required to add the Inflation Agreement, as well as a minimum of a $10,000 face increase
  • Underwriting is not required to exercise the 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 (which may increase over time), and 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.

Insurance products issued by Minnesota Life Insurance Company

Policy form numbers:  ICC11-916, 11-916 and any state variations; SL-12-916; ICC19-20204, 19-20204 and any state variations; ICC18-20150, 18-20150 and any state variations; ICC18-20149, 18-20149 and any state variations; 18-20155

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 12-2022