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Securian Financial

Caring for our policyholders

A history of standing behind our policyholders

For more than 135 years, Securian Financial and its affiliates have been entrusted with protecting families, businesses and loved ones — and we take this trust seriously.

Together with financial professionals like you, we’ve stood behind our clients, giving them the respect and dedication they deserve.

Our way of treating policyholders has resulted in unmatched client loyalty. This has helped us become a financially strong and stable company clients rely on.

Keeping our promises

Every policyholder is important to us, and we provide caring and compassionate service to our customers during the most difficult of times.

In 2016, we paid more than $329 million to 2,669 families. It didn’t matter if…

  • A claim was $10.5 million or $117
  • The coverage had been in place for 35 years or three months
  • The individual was 100 or 18 years old

A lifetime of upgrades

We believe our current policyholders deserve the same opportunities and product enhancements as new clients.

We have a long history of providing upgrades to our clients in the past. Since launching Eclipse Indexed Universal Life in 2006, we have made over 15 enhancements to the product that we have also made available to existing policyholders.

Other policyholders have benefited from enhancements that include:

  • Addition of two new index options
  • Dollar cost averaging
  • Ability to switch between variable and fixed loans
  • Addition of a cap to variable loan charges
  • Systematic distributions

We will continue to offer new agreements and policy features to existing clients whenever possible.

An exchange program unlike any other

People’s lives and outlooks change, and our exchange program allows their policies to change as well. No insurance company understands that better than we do.

For decades, we have allowed our clients to exchange their current policies for a new product without the hassle of surrendering their current policies and losing the benefits they had accrued.

To make this policy transition easy, we created fast and simple exchange programs — no underwriting, no exchange fee, and no policy issue or surrender charges.

From term to permanent

As time passes, policyholder needs change. Policies can change, too. Clients purchase term life insurance as affordable, short-term protection, but we ensure that term life policyholders will have the opportunity to transition into a permanent policy when the time arises.

We allow our term policyholders to convert into any of our available permanent life insurance products.1 This provides our clients the ability to find the product that fits their needs with whole life, fixed universal, indexed or variable life insurance.2

Your clients deserve it

Bring Securian Financial's innovative products and lifetime of upgrades to your clients.

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1. Optional Extended Conversion Agreement is available for Advantage Elite Select policyholders to extend convertibility throughout the life of the contract. 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.

2. Products may not be available in all states or may exist under a different name in various states.

Life insurance products contain fees, such as mortality and expense charges (which may increase over time), and may contain restrictions, such as surrender periods. Variable life insurance products contain fees, such as management fees, fund expenses, distribution fees and mortality and expense charges (which may increase over time). The variable investment options are subject to market risk, including loss of principal.

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.

DOFU 3-2017