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Securian Financial

Indexed universal life products

Indexed universal life (IUL) insurance policies provide lifetime death benefit protection along with tax-advantaged cash value growth tied to changes in an underlying index.1 They allow for higher crediting potential than fixed-interest policies, while also protecting clients from negative earnings.

Orion IUL

Offers two uncapped indexed account options to maximize crediting potential2 along with the latest innovations in technology and product design to make the life insurance journey faster and easier. Orion IUL appeals to individuals who want lifetime death benefit protection, flexibility and strong cash value growth potential.

Eclipse IUL

Provides competitive index crediting options for accumulation-focused clients. Eclipse IUL appeals to clients who desire death benefit protection and want to accumulate funds for supplemental retirement income, college tuition, a new home or other goals with downside protection.

Omega Builder IUL

An accumulation-focused product that offers options for how the death benefit is paid to your clients' beneficiaries, Omega Builder IUL appeals to clients who want to build cash value but are uncomfortable investing directly in the market — someone looking for both death benefit protection and accumulation potential.

Eclipse Protector IUL

Brings an indexed crediting option to the protection-focused market. Eclipse Protector IUL appeals to clients who desire premiums that fit within their budget and a policy that provides guaranteed death benefit protection and tax-advantaged cash value.

1. All indexed accounts available with the Indexed Universal Life Series employ a point-to-point interest crediting method with one-year index segments – except where noted – established monthly. Interest credits for any index segment may range from a minimum (0% or 1%) up to the maximum (which may be unlimited for some accounts) for that segment. These policies guarantee that the total interest credited over the life of the policies will not be less than a 2.00% effective annual interest rate.

2. Uncapped indexed account participation rates are subject to change and may be less than 100%. This could have the impact of the indexed account credit being less than the change in the reference index.

The Indexed Universal Life Series is designed first and foremost to provide life insurance protection. While the interest crediting options are attractive for cash accumulation, the product should always be promoted to first meet the death benefit needs of families and businesses with cash accumulation as a secondary benefit. One cannot invest in an index.

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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
110895