Fixed-interest products

Our fixed-interest life insurance products offer lifetime protection along with tax-advantaged cash value growth and stability through fixed interest crediting. Our products are designed to allow your clients to focus on protection or accumulation.

Secure Accumulator Whole Life1

An accumulation-focused participating whole life policy that provides guaranteed death benefit protection along with multiple dividend2 options for cash value accumulation for individual wealth accumulation, estate planning and supplemental retirement income.

Secure Protector Whole Life

A protection-focused participating whole life policy that offers a lifetime of guaranteed protection with premiums that will never increase. Its multiple dividend2 options will provide your clients with cash value that offers further flexibility.

Accumulator Universal Life

Appeals to individuals and business clients who want stable cash value growth with no investment risk and flexible premium payments. Accumulator UL can be a great option for pre-retirement individuals who seek stability and flexibility for retirement.

CareShield® Universal Life

Combines a universal life insurance policy with a guaranteed death benefit and built-in living benefits for chronic and terminal illness.

1. Secure Accumulator Whole Life is not available for sale in the state of New York.

2. Dividends are not guaranteed and may vary based on the actual experience of mortality, expenses and investments.

CareShield Universal Life may not cover all of the costs associated with chronic or terminal illness. This product is generally not subject to health insurance requirements, and does not provide long-term care insurance subject to state long-term care insurance law. This product is not a state-approved Partnership for Long Term Care Program product, and is not a Medicare Supplement policy. Receipt of chronic or terminal illness benefit payments under this product may adversely affect eligibility for Medicaid or other government benefits or entitlements.

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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 fees, such as mortality and expense charges (which may increase over time), and may contain restrictions such as surrender charges.

Policy loans and withdrawals may create an adverse tax result in the event of lapse or policy surrender, and will reduce both the surrender value and death benefit. Clients should consult their tax advisor when considering taking a policy loan.

This information is a general discussion of the relevant federal tax laws provided to promote ideas that may benefit a taxpayer. It is not intended for, nor can it be used by any taxpayer for the purpose of avoiding federal tax penalties. Taxpayers should seek the advice of their own advisors regarding any tax and legal issues specific to their situation.

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 affiliates, 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 - May go down in value

DOFU 3-2017
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