Coming soon! This product launches in all states except Connecticut, Washington D.C., Delaware, Florida, Indiana, Montana, New Jersey, North Dakota, South Carolina, South Dakota, California and New York on January 26, 2026.
SecureCare™ IV is a linked-benefit policy that offers a guaranteed death benefit, cash indemnity benefit for LTC, and three return of premium (ROP) options. Sound familiar? It should. This is the SecureCare you know with new benefits designed to expand flexibility and strengthen client conversations.
Our state approvals list shows where you can use SecureCare IV with your clients.
SecureCare IV keeps the structure and guarantees you know, plus adds enhancements driven by your feedback and client needs. SecureCare IV offers four crucial new benefits:
| Payment | Single-pay | 5-pay | 7-pay | 10-pay | 15-pay | 20-pay |
|---|---|---|---|---|---|---|
| Age | 40-75 | 40-75 | 40-73 | 40-70 | 40-65 | 40-60 |
| Single-pay or 5-pay | 7-pay | 10-pay | 15-pay | 20-pay | |||||
|---|---|---|---|---|---|---|---|---|---|
| Year(s) 1 | 80% | Years 1-3 | 80% | Years 1-6 | 80% | Years 1-11 | 80% | Years 1-16 | 80% |
| Year 2 | 84% | Year 4 | 84% | Year 7 | 84% | Year 12 | 84% | Year 17 | 84% |
| Year 3 | 88% | Year 5 | 88% | Year 8 | 88% | Year 13 | 88% | Year 18 | 88% |
| Year 4 | 92% | Year 6 | 92% | Year 9 | 92% | Year 14 | 92% | Year 19 | 92% |
| Year 5 | 96% | Year 7 | 96% | Year 10 | 96% | Year 15 | 96% | Year 20 | 96% |
| Year 6+ | 100% | Years 8+ | 100% | Years 11+ | 100% | Year 16+ | 100% | Year 21+ | 100% |
Your SecureCare sales team can provide a custom proposal for your next case:
Please keep in mind that the primary reason to purchase a life insurance product is the death benefit.
SecureCare IV is a life insurance policy that provides long-term care benefits and an accelerated death benefit for terminal illness. Other terms and conditions apply.
This policy has exclusions, limitations and reduction of benefits, under which the policy may be continued in force or discontinued. For costs and complete details of the coverage, call or write your producer or Minnesota Life Insurance Company.
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). This policy 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.
SecureCare IV may not be available in all states. Product features, including limitations and exclusions, may vary by state.
SecureCare IV includes the Acceleration for Long-Term Care Agreement and Extension of Long-Term Care Agreement. These two agreements are tax qualified long-term care agreements that cover care such as nursing care, home and community-based care, and informal care as defined in the agreement. These agreements provide for the payment of a monthly benefit for qualified long-term care services. These agreements are intended to provide federally tax qualified long-term care insurance benefits under Section 7702B of the Internal Revenue Code, as amended. However, due to uncertainty in the tax law, benefits paid under these agreements may be taxable. Please ensure that your clients consult a tax advisor regarding long-term care benefit payments, or when taking a loan or withdrawal from a life insurance contract may not be available in all states. Product features, including limitations and exclusions, may vary by state.
The optional Long-Term Care Inflation Protection Agreement is available with 3% simple interest, 3% compound interest, 5% simple interest or 5% compound interest.
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.
Qualified long-term care services received outside the United States, its territories or possessions are limited to the non-United States monthly benefit limit. If the insured returns to the United States, the non-United States monthly benefit limit will no longer apply.
Exclusions and limitations
Eligibility for long-term care benefits includes satisfying a 90-day elimination period. This is a period of time (90 days) during which no long-term care benefits are payable following the date the insured is determined to be eligible for benefits. You are not eligible to receive benefits if your long-term care service needs are caused directly or indirectly by, result in whole or in part, from or during, or there is contribution from:
Pre-existing condition limitations
Pre-existing condition limitations refer to any condition or disease for which the insured received medical advice or treatment within six months preceding the effective date of the Acceleration for Long-Term Care Agreement for that same condition or disease or a related condition or disease. There does not need to be a specific diagnosis for the condition or disease for it to be considered a pre-existing condition. We will not pay benefits for a pre-existing condition or disease that is not disclosed in the application for a period of six months from the effective date of this agreement. A pre-existing condition during the first six months that the agreement is in force will not be counted toward the satisfaction of the long-term care elimination period.
The purpose of this material is a solicitation of insurance. An insurance agent or company may contact you.
ICC20-20212, 20-20212 and any state variations; ICC21-20220, 21-20220 and any state variations; ICC21-20221, 21-20221 and any state variations; ICC21-20222, 21-20222 and any state variations; ICC25-20310, 25-20310 and any state variations, ICC25-20313, 25-20313 and any state variations, ICC25-20311, 25-20311 and any state variations.
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.
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.
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.
DOFU 1-2026
ICC25-4868316
