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Financial control for uncontrollable events

You work hard to provide for your family – but unexpected events like accidents, illnesses and injuries can be an unwelcome interruption and have lasting financial impact.

Securian offers several types of insurance coverage – that may be available through your employer or financial institution – to help you and your family maintain financial security in spite of certain unexpected events.

Benefits can help cover expenses without having to tap savings or other sources – paying insurance deductibles or everyday living expenses.

Most coverage is available on a guaranteed basis – meaning you often don’t have to provide information about your health history.

Accident

When an accident happens, your plans, activities and work routines can come to a sudden halt. Accident insurance helps you plan for the unexpected, reducing worry about what could happen to your personal finances.

If you experience an accidental injury covered by your policy, you will receive a payout to use any way you wish.

Accident and sickness

Accident and sickness insurance provides a variety of benefits if you are hospitalized or require medical care due to an accident or illness.

Depending on your policy, you may be eligible to receive daily or lump-sum benefits for hospitalization, extended medical care and recuperation following hospitalization. Single payments may also be available for expenses you incur due to disability or if you die as the result of an accident.

Accidental death

If you were to pass away as the result of a covered accident, accidental death insurance pays a benefit to your loved ones.

Several variations of coverage are available, including:

  • Accidental death and dismemberment (AD&D) provides a benefit if you die as the result of a covered accident or if you lose the use of certain body parts.
  • Accidental death and injury (ADI) provides a one-time death benefit or periodic benefits if you receive certain injuries as the result of a covered accident.

Critical illness

It’s difficult to anticipate the extra expenses a serious illness may bring, but you can be smart and help plan for them with critical illness insurance.

If you are diagnosed with a covered condition, critical illness insurance provides a lump-sum payment directly to you – regardless of income, expenses incurred or other insurance coverage. You can use the proceeds however you wish.

 

Critical illness insurance

This policy provides limited benefits. This policy has exclusions, limitations, reduction of benefits, terms under which the policy may be continued in force or discontinued. For costs and complete details of the coverage, contact Securian Financial Group. This is a summary of plan provisions related to the insurance policy issued by Minnesota Life or Securian Life. In the event of a conflict between this summary and the policy and/or certificate, the policy and/or certificate shall dictate the insurance provisions, exclusions, all limitations and terms of coverage. All elections or increases are subject to the actively at work requirement of the policy. Products are offered under policy form series 13-31600, 14-32000 or a state variation thereof. Product availability and features may vary by state. Benefits for covered conditions will be payable upon a diagnosis of a covered condition that satisfies the requirements of the policy and when all other policy requirements are met.

Group accident insurance

Limitations and exclusions apply. This policy has exclusions, limitations, reduction of benefits, terms under which the policy may be continued in force or discontinued. For costs and complete details of the coverage, contact Securian Financial Group. This is a summary of plan provisions related to the insurance policy issued by Securian Life Insurance Company . In the event of a conflict between this summary and the policy and/or certificate, the policy and/or certificate shall dictate the insurance provisions, exclusions, all limitations and terms of coverage. All elections or increases are subject to the actively at work requirement of the policy. Products are offered under policy form series 15-32400 or a state variation thereof. Product availability and features may vary by state.

Group Critical Illness Insurance is underwritten by Minnesota Life Insurance Company or Securian Life Insurance Company, a New York authorized insurer. Group Accident Insurance is underwritten by Securian Life Insurance Company, a New York authorized insurer. Both companies are affiliates of Securian Financial Group, Inc. and are headquartered in Saint 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.

Take the next step

Talk to your employer or financial institution today to find out if Securian’s accident and sickness insurance products are available to you.