Lifetime protection for what s important

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1 Secure Whole Life Insurance A permanent policy with dividend options Lifetime protection for what s important m A Securian Company

2 At a time when change seems constant, many people are seeking quality and value. They want stable life insurance coverage for their families from a company they can depend on. They re looking for the kind of secure protection families have relied on for generations. They want lifetime protection for what s important. If you re searching for a traditional, stable approach to protecting your family, consider Secure Whole Life. It provides lifetime protection and includes a variety of dividend options that can improve or increase your coverage, reduce your premium or even pay you cash. Plus, it gives you choices that let you customize and strengthen your policy. Contemporary features meet traditional value Secure Whole Life has the benefits and peace of mind you want: Security of guaranteed lifetime coverage through age 120 with premiums payable to age 100. Choice of multiple dividend options, giving you earnings potential. Certainty of a fixed interest rate, assuring that your cash value will keep growing. Ease of level, scheduled premiums. You know exactly what you ll pay for coverage as long as you own your policy. Choices to expand your coverage, including waiving your premium during disability and an additional benefit paid for an accidental death. Ability to fit coverage needs within your budget.

3 Protection plus earnings potential Secure Whole Life is a participating life insurance policy. That means you can benefit when the policy s performance is positive. When plan expenses are lower than projected, savings are credited to you as a dividend. You can choose from a variety of dividend options giving you more control over your life insurance protection. Dividend options include: Cash Paid-up additions Accumulation Reduce premiums with balance to cash Reduce premiums with balance to paid-up additions Loan payoff with balance to cash Loan payoff with balance to paid-up additions Dividends are paid directly to you annually. Dividends purchase paid-up additional insurance, increasing your death benefit. Dividends accumulate in an interest-bearing account. Dividends pay towards the policy premium. If dividends exceed the premium, the excess amount is paid in cash. Dividends pay towards the policy premium. Once exceeding the premium, the excess amount purchases paid-up additions. Dividends repay a policy loan, the excess amount is paid in cash. Dividends repay a policy loan, the excess amount purchases paid-up additions. The Company behind Secure Whole Life With a long history in offering life insurance protection, Minnesota Life has been committed to fulfilling its financial obligations to clients since Minnesota Life is highly rated by the major independent rating agencies that analyze the financial soundness and claims-paying ability of insurance companies. For more information about the rating agencies and to see where Minnesota Life s ratings appear relative to other ratings, please see our web site at

4 Customize your policy In addition to guaranteed, permanent life insurance protection, you can select optional agreements to customize your Secure Whole Life policy for your family. Waiver of Premium Agreement Children s Term Agreement Accidental Death Benefit Agreement Accelerated Death Benefit Agreement Guaranteed Insurability Option Agreement Guaranteed Insurability Option with Waiver Agreement Additional Insurance Agreement Single Premium Paid-up Additional Insurance Agreement Waives your total annual premium if you become permanently and totally disabled. Provides your children with their own life insurance protection, teaching the importance of preparing for the future and locking in their insurability. Applies to natural children, stepchildren or legally adopted children. Pays an additional death benefit if you die as the result of an accident. Pays the lesser of $1 million or 75 percent of the death benefit if you have a life expectancy of 12 months or less due to illness or accident. There is no additional premium and no extra underwriting is required. Guarantees the option to purchase an additional policy on the primary policyholder without evidence of insurability. Guarantees future increases in protection on a maximum of seven optional dates. You may also substitute significant life events for the optional dates. Guarantees the option to purchase an additional policy without evidence of insurability. Waives premium if you become disabled. Ensures your additional insurance coverage is protected during disability. Helps you fit your coverage strategy within your budget. Uses a combination of paid-up additional insurance and one-year term. As paid-up additional insurance increases, one-year term insurance decreases. Purchases paid-up coverage with a lump sum payment each year you own the policy, up to age 90. Helps you lock away paid-up life insurance protection. Loans can provide financial flexibility Sometimes you can use a little extra money to fund emergencies, pay tuition or make a mortgage payment. Since life is always changing, you can access your Secure Whole Life accumulation value through policy loans. Loans* Available one year after policy issue Maximum loan amount is the cash value less any outstanding policy loans Can be repaid through a loan repayment dividend option Interest rate is 5 percent * An outstanding loan amount is deducted from the benefits paid to your beneficiaries.

5 Protect your life s work If you re a business owner, Secure Whole Life can help preserve the company you ve worked passionately to develop. You can use Secure Whole Life to protect your business from the loss of a key employee or fund a buy-sell agreement for business continuation. It can help ensure your business keeps thriving if a loss or unexpected transition occurs. Staying connected is easy Minnesota Life makes it easy for you to access information about your Secure Whole Life policy: Visit the online service center at Choose Account Access and then Individual life insurance and annuities. Review your annual statement outlining current policy status and changes you made during the past year. Choose Secure Whole Life This policy is right for you if: You want guaranteed, dividend-paying lifetime coverage. You re not interested in assuming investment risk in your life insurance policy. You want the ability to purchase paid-up additional coverage. You want the certainty of a fixed, level premium. You understand that life insurance represents a long-term financial commitment for an insurance company, and you want a company with an extensive history of financial strength, integrity and customer-focused values. Life insurance is an essential part of any sound financial strategy. For traditional coverage with contemporary features to protect your family or business, choose Secure Whole Life. It provides lifetime protection for what s important. Contact your financial advisor today to learn more.

6 m Minnesota Life Insurance Company A Securian Company Robert Street North, St. Paul, MN Fax 2009 Securian Financial Group, Inc. All rights reserved. ICC ICC ICC ICC ICC ICC ICC ICC ICC F DOFU A