A new way to leverage client assets for a more secure future

1. If owner/insured are different, long-term care benefits will be paid based on eligibility of the insured. To be considered a “chronically ill individual,” a licensed health care practitioner must certify within the preceding twelve-month period that the insured:

i. Is unable to perform, without substantial assistance from another person, at least two activities of daily living (bathing, getting dressed, eating, continence, toileting, transferring) due to a loss of functional capacity for a period of at least 90 days; OR

ii. Requires substantial supervision to protect the insured from threats to health and safety due to severe cognitive impairment.

2. Upon surrender, the owner will receive the greater of the surrender value and the return of premium value minus any benefit payments received minus any indebtedness. The return of premium may not equal the sum of premiums paid. Surrenders during the first five policy years are subject to a return of premium vesting schedule. Surrenders requested on or after the sixth policy year are eligible for a return of all premium paid.

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.

Please keep in mind that the primary reason to purchase a life insurance product is the death benefit. SecureCare is a life insurance policy that provides long-term care benefits and an accelerated death benefit for terminal illness. Other terms and conditions apply.

Insurance policy guarantees are subject to the financial strength and claims-paying ability of the issuing insurance company.

SecureCare is a single-premium universal life policy with tax-qualified long-term care benefits that cover care such as nursing care, home and community-based care and informal care as defined in this policy. This policy provides for the payment of a monthly benefit for qualified long-term care services. This policy also provides an accelerated death benefit for terminal illness. This policy is intended to provide tax-qualified long-term care insurance benefits under Section 7702B and tax-free accelerated death benefits for terminal illness under Section 101(g) of the Internal Revenue Code, as amended. However, due to uncertainty in the tax law, benefits paid under this policy may be taxable. Please ensure that your clients consult a tax advisor regarding long-term care benefit payments, terminal illness benefit payments, or when taking a loan or withdrawal from a life insurance contract.

The accumulation value, surrender value, loan value and death benefit will be reduced by a long-term care or terminal illness benefit payment under this policy.

SecureCare may not be available in all states. Product features, including limitations and exclusions, may vary by state. Life insurance products contain fees, such as mortality and expense charges, and may contain restrictions, such as surrender periods.

For financial professional use only. Not for use with the public. This material may not be reproduced in any form where it would be accessible to the general public.

Securian Financial Group, Inc.
www.securian.com

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.
400 Robert Street North, St. Paul, MN 55101-2098
©2016 Securian Financial Group, Inc. All rights reserved.

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