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Term life insurance products

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.

Advantage Elite Select Term

Our Advantage Elite Select term life product meets your clients’ term life protection needs with affordable premiums and a choice of four coverage periods. An Extended Conversion Agreement lets clients lock in insurability while having the option to convert to permanent life insurance protection in the future. Advantage Elite Select is available in 10, 15, 20, 30 level term years.

Learn about Advantage Elite Select Term

Convertible Annual Renewable Term

Convertible Annual Renewable Term (CART) and CART Second Death (CART-SD) products are designed for people who want low-cost life insurance with annual renewable premiums for up to ten years. These products can lock in insurability for your clients seeking coverage that is more robust and allow them to convert when the time is right. 

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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, and Surrender Charge (which we refer to as expense charges). These policies may contain restrictions, such as surrender periods.

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.

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 subsidiaries, 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

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.

Policy Form Numbers: ICC16-20074, 16-20074 and any state variations; ICC18-20156, 18-20156 and any state variations; ICC12-920, 12-920 and any state variations, ICC13-470, 13-470 and any state variations, SL-13-470; ICC13-460, 13-460 and any state variations, SL-13-460.


DOFU 7-2024