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VUL Defender®. Evolved.

Protection that lasts. Performance that delivers.

Many variable universal life (VUL) products force you to choose between helping clients maximize protection, performance or flexibility. In today’s world, those trade-offs can leave clients exposed.

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The next evolution of VUL Defender is designed to change that. It delivers one of the industry's most competitive no lapse guarantees (NLG) to age 100 with the optional NLG Agreement, while offering increased cash value potential and meaningful flexibility.

Client needs have evolved. Your VUL should, too.

See what’s new

The newest iteration of VUL Defender balances protection with performance, because today’s planning needs both.

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Competitive protection
Utilizing our NLG Agreement, VUL Defender ranks in the top two in more than 90% of NLG scenarios to age 100,1 helping clients secure protection for a long life.

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Strong performance
With enhanced cash value potential and 75+ allocation options with no NLG investment restrictions, VUL Defender is built to pursue long-term growth.

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Built-in flexibility
Growth potential for evolving needs and optional agreements, including terminal, chronic illness and long-term care, mean VUL Defender is built to adapt to life's changes.

Clients are living longer. How long is their protection guaranteed?

Age 90 has long been a familiar benchmark in permanent life insurance planning. But for many clients, the need for protection may continue well beyond age 90.

If a client outlives their guaranteed protection, they could be left vulnerable to potential market volatility and the need for additional funding, when they may least be able to afford it.

See why going beyond 90 matters

Explore how you can help clients close the longevity gap

The guarantee gap. Age 90, the Traditional planning benchmark, to 100 plus. Which is a longer guarantee horizon.

See where VUL Defender can win

Discover where we’re most competitive and identify opportunities worth pursuing.

Tools and support to put VUL Defender to work

Explore key capabilities and resources designed to help you move forward with confidence.

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Underwriting enhancements
We’re creating a faster and consistent underwriting experience.

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New business and self-service
Less friction for you and your clients at every step.

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VUL Defender launch center
Get the tools, resources and insights you need to put the next evolution of VUL Defender to work.

Looking for something specific?

Access popular resources or connect with your team.

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Download launch materials
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Contact your wholesaler
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Explore the product details

1. Based on Securian Financial's competitive research, August 2026. This comparison does not take all material factors into account and must not be used with the public. These factors include but are not limited to: applicable separate account and indexed account options, rider availability, surrender periods, or fees and expenses. For information regarding these and other factors please consult each company's respective prospectus.

Insurance products issued by Minnesota Life Insurance Company.

Please keep in mind that the primary reason to purchase a life insurance product is the death benefit.

Product features and availability may vary by state.

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.

This product is sold by prospectus which must be preceded or accompanied with any product information.

The No Lapse Guarantee Agreement (NLGA) is subject to the terms and conditions contained in the policy and may not be in effect even if premium payments are made. Please review the policy carefully.

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.

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.

Insurance products are issued by Minnesota Life Insurance Company in all states except New York. In New York, products are issued by Securian Life Insurance Company, a New York authorized insurer. Minnesota Life is not an authorized New York insurer and does not do insurance business in New York. Both companies are headquartered in St. Paul, MN. Product availability and features may vary by state. Each insurer is solely responsible for the financial obligations under the policies or contracts it issues. Securities are distributed by Securian Financial Services, Inc., member FINRA.

Securian Financial is the marketing name for Securian Financial Group, Inc., and its subsidiaries. Minnesota Life Insurance Company and Securian Life Insurance Company are subsidiaries of Securian Financial Group, Inc.

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 9-2026
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