life lines - competiscan

Insurance products issued by: Minnesota Life Insurance Company Securian Life Insurance Company

Date: Tuesday, April 21, 2020, 02:05:13 PM CDT Subject: Our latest issue of Life Lines

Life LinesApril 2020

Securian Financial was built to weather timeslike thisSecurian Financial has provided reassurance during times of uncertainty for 140 years.We are here for families. We are here for you. We strive to maintain financial integrity andstrength in order to provide security and value for our customers. View our financialratings here.

Tools to help you when face-to-face isn’t anoptioneApp

Provides you with an easy way to complete your clients' applications online,anytime, anywhere

Allows for you and your clients to electronically sign with applications

Learn more about eApp ›

WriteFit Underwriting™

Is a less invasive underwriting option for your eligible clients that doesn’t require anexaminer to visit their home

http://click.email.securian.com/?qs=000a7f1b44855ac78bda84af76900e800075ad22f1c4d87a24f2788dbe7fbbcd2f4aaf0f025f3128821e0dc54f8af22c37ec7025f6a0af78

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Learn more

Gives you and your clients underwriting decisions in as little as 24 hours1

Learn more about WriteFit2 ›

ePolicy Delivery

Provides you and your clients with a completely paperless application experiencewith electronic signatures

Allows for life insurance policies to be signed, sealed and delivered in seven days

Learn more about ePolicy Delivery ›

Drop Ticketâ„

Offers your clients quick and easy application for individual term insurance

Is a completely digital policy issue experience when paired with eApp and ePolicyDelivery

Learn how Drop Ticket works and other benefits ›

DocuSign®

DocuSign® is also an option for electronic signatures. To learn more about how you canget set up with DocuSign, view our FAQ or contact your case manager.

Coming soon! Eclipse IUL with no-lapseguarantee (New York only)On May 4, 2020, Eclipse Indexed Universal Life (IUL) -NY will be adding an optional no-lapse guarantee agreement (NLGA) to allow you to design a product to meet your clients'needs - whether accumulation or protection. With the NLGA, your client has the ability todial the guaranteed duration up to the insured's age of 120 based on how much premiumthey want to pay.

Find out how Eclipse IUL can be a versatile IUL solution for your clients.

iPipeline® eApp update for SecureCare

Tools you can use

12 tips for effective webmeetings with clients

Learn more ›

Making life easy – for you andyour clients

View flyer ›

COVID-19: We are here foryou

Learn more ›

Beginning May 2, 2020, the eApp product type for SecureCare Universal Life will changefrom Universal Life to Life/LTC. See below for important information about how this mayimpact your SecureCare eApps in progress.

Important information

eApps started and submitted before May 2, 2020, no impact.

eApps started on or after May 2, 2020, no impact.

In progress eApps started before May 2, 2020, agent is required to re-validate allscreens. This includes applications that have been locked.

eApps started before May 2, 2020, with eSignatures in progress: agent is requiredto unlock the eApp, re-validate screens and collect all eSignatures. If any signingparty has already applied their signature, a new signature will be required.

By updating SecureCare’s product type on eApp, we hope to make it easier for first-timeusers to find and submit a SecureCare application. We apologize for any inconveniencethis may cause.

We’re here for youOur call center is fully staffed and are answering questions Monday through Thursdayfrom 7 a.m. to 6 p.m. CT and Friday from 7 a.m. to 4:30 p.m. CT. To best serve ourcustomers, all calls will be evaluated for prioritization. The best times to call are from 7 –10 a.m. and after 4:30 p.m. as the hold times are historically the shortest.

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Contact usQuestions? Please call our Life Sales Support Team at 1-888-413-7860, option 1

INSURANCEINVESTMENTSRETIREMENT

Connect with us

1. After completion of the tele-interview. For eligible clients.

2. WriteFit and WriteFit Express are available under our WriteFit Underwriting program.

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 overtime) and may contain restrictions, such as surrender periods.

Product features and availability may vary by state.

The no lapse guarantee is subject to the terms and conditions contained in the policy and may not be ineffect even if premium payments are made. Please review the policy carefully.

Additional agreements may be available. 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 andmay not be available in combination with other agreements.

SecureCare may not be available in all states. Product features, including limitations and exclusions, mayvary by state.

SecureCare Universal Life Insurance includes the Acceleration for Long-Term Care Agreement. TheAcceleration for Long-Term Care Agreement is a tax qualified long-term care agreement that covers caresuch as nursing care, home and community based care, and informal care as defined in this agreement.This agreement provides for the payment of a monthly benefit for qualified long-term care services. Thisagreement is intended to provide federally tax qualified long-term care insurance benefits under Section7702B of the Internal Revenue Code, as amended. However, due to uncertainty in the tax law, benefitspaid under this agreement may be taxable.

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 ofaction. Securian Financial Group, and its affiliates, have a financial interest in the sale of their products.

Insurance products are issued by Minnesota Life Insurance Company in all states except New York. InNew 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.

Securian Financial is the marketing name for Securian Financial Group, Inc., and its affiliates. MinnesotaLife Insurance Company and Securian Life Insurance Company are affiliates of Securian FinancialGroup, Inc.

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

Manage your preferences for future marketing communications or unsubscribe from our Individual Life,Individual Annuity and Retirement Plans marketing emails by visiting our profile center. We respect yourprivacy. We will not release your email address for any purpose.

Securian Financial Group, Inc.securian.com

400 Robert Street North, St. Paul, MN 55101-2098 ©2020 Securian Financial Group, Inc. All rights reserved.

F75036 DOFU 4-2020 1144006

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eApp: A tailored, online client application

Individual Life InsuranceeApp


Step 4Select from flexible underwriting options

Step 5Obtain eSignatures (see reverse side for options)

Step 7Monitor your application from start to finish

Step 6Electronically submit application to us through secured channel

Step 3eApp guides you through the data collection process

Step 2Enter information relevant to your client — no paper required

Step 1Select eApp option from your advisor website, or link directly from illustration system

How theeApp

processworks

Life is a little easier with Securian Financial’s customized eApp. Your clients only answer relevant questions based on their demographic information and the product they’re applying for. This online solution means less paperwork, which saves you time and saves some trees.

Benefi ts

• Lets you immediately submit application electronically

• Ensures the right forms are completed

• Links easily to the illustration

• Speeds up the application process

• Increases application accuracy1

• Offers a more streamlined underwriting process

• Tailored application experience — only asks relevant questions

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1 Applications in good order dependent on accurate data entered.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.Securian Financial is the marketing name for Securian Financial Group, Inc., and its affiliates.For financial professional use only. Not for use with the public. This material may not be reproduced in any way where it would be accessible to the general public.

Convenience for you and your clients• eSignatures are applied to all

required forms so the client only signs once

• No entering duplicate data — client information carries through entire application

• Save and return to incomplete applications at any time

• Choose from several electronic signature options

Choose from 3 convenient eSignature optionsWith eSignature, you don’t have to worry about mailing or faxing documents to clients. Select the eSignature process that works best for you:

Face-to-face

• All applicants must be present

• ID required

• Application can be eSigned immediately

eSignature combo

• Combines face-to-face method with traditional eSignature

• One or more applicants are not present

• Those available eSign immediately (ID required).

• Those not present provide eSignature via email process

eSignature via email

• Applicants do not need to be present

• An email with a link to a secured website is delivered to the applicants

• They follow a few easy steps to electronically sign the application

• Once eSigned, the application will be securely transmitted back to you. You eSign it and forward to us via a secured channel

Learn more If you have questions, contact the eApp Support Team at 1-800-328-6124.

Securian’s WriteFit Underwriting™ program can accelerate your clients’ applications through our underwriting process within 24 hours.1 Here’s what you need to know before submitting business:

How WriteFit Underwriting works

WriteFit and WriteFit Express: how to submit business

WriteFit Underwriting™ Individual Life Insurance


eApp

Available exclusively on eApp

1. Upon completion of the tele-interview2. Excludes WriteFit Express, SecureCare and must meet age and product specific guidelines. 3. If declined, a 90-day waiting period will be enforced before a new application can be submitted.

Select age, product and face amount (see page 2 for details)

Traditional underwriting

• Labs required• All underwriting classes available

(including rated)

Declined3

$250,000 and under: Term life, whole life and select universal life products


Client qualifies5

$2 million and under: Single-life products2


Client does not qualify

eApp or paper application

WriteFit Express

• No exam or labs • Standard or better underwriting classes available (select face amounts only)

WriteFit

• Qualifying clients will be approved without exams or labs

• Standard or better underwriting classes available4

Approval within 24 hours

Approval within 24 hours

Re-route to traditional underwriting

Underwriting determines WriteFit qualification

Choose between WriteFit and traditional underwriting

WriteFit Express required

4. For ages 55-60: Preferred and Preferred Select classes are available. 5. Once accelerated, applicant cannot switch to traditional underwriting.

securian.com

400 Robert Street North, St. Paul, MN 55101-2098 ©2017, 2019 Securian Financial Group, Inc. All rights reserved.

F76777-2 Rev 12-2019 DOFU 1-2019 711554


Product features and availability may vary by state.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.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.Securian Financial is the marketing name for Securian Financial Group, Inc., and its affiliates. Minnesota Life Insurance Company and Securian Life Insurance Company are affiliates of Securian Financial Group, Inc.For financial professional use only. Not for use with the public. This material may not be reproduced in any way where it would be accessible to the general public.

Product details The chart below shows the products, face amounts and underwriting classes available for WriteFit and WriteFit Express.

Remember: once you enter your client's age, the product and face amount, eApp will guide you through the online application process and only show information relevant to your client.

WriteFit

Products Issue ages Face amountsUnderwriting classes

Single-life products2 18-50 $0 - $2,000,000 (excludes WriteFit Express products and face amounts listed below)

Standard or better

51-604 $0 - $1,000,000 (excludes WriteFit Express products and face amounts listed below)

Standard or better

WriteFit Express

Products Issue ages Face amountsUnderwriting classes

Advantage Elite Select Term Life

16-54 (10-, 15- and 20-year durations)

$50,000 - $99,999 Standard

16-45 (30-year duration)

$100,000 - $250,000 Standard or better

Value Protection IUL 0-15 $50,000 - $250,000 Preferred

16-54 $50,000 - $99,999 Standard

$100,000 - $250,000 Standard or better

Eclipse Accumulator IUL and Eclipse Protector II IUL

0-17 $50,000 - $250,000 Preferred

18-54 $100,000 - $250,000 Standard or better

Individual Life InsuranceePolicy Delivery


How does ePolicy Delivery work?1. Your clients consent to ePolicy Delivery while applying through the eApp during

the signature process.

2. You have the option to elect ePolicy Delivery on the eApp. Even if your clients consent to eDelivery, you get to choose if the policy will be eDelivered or not.

3. Once the policy is approved and ready for delivery, the DocuSign® process can begin. With just a few clicks, the policy is reviewed, signed and returned to us. The DocuSign technology ensures the correct signatures are collected on the right forms, making eApp business easy.

What products are available for ePolicy Delivery?

ePolicy Delivery is available for all products except SecureCare Universal Life.

When is a policy ineligible for ePolicy Delivery? How will I be notified if it’s ineligible?

We have included the most common delivery requirements for ePolicy Delivery. However, certain delivery requirements may cause the policy to be ineligible. There is no notification to you or your clients when a policy is ineligible. Ineligible policies are sent via paper and the standard delivery method.

Can I “opt in” or decide whether the policy is electronically delivered?

Yes. ePolicy Delivery is optional (except for Drop Ticket applications). Financial professionals can elect ePolicy Delivery during the eApp process.

Can clients change their election (opt-in or opt-out) after the eApp is submitted?

Your clients can opt out of ePolicy Delivery after the eApp is submitted. However, if they don’t opt in during the eApp process, they cannot change their election once the eApp has been submitted.

What documents will clients receive electronically if they opted in to eDelivery?

eDelivery is only available for policy delivery requirements at this time.

Can I send a personalized comment to clients?

No, the email sent via DocuSign is standard messaging.

FREQUENTLY ASKED QUESTIONS

ePolicy Delivery


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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.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.Securian Financial is the marketing name for Securian Financial Group, Inc., and its affiliates. Minnesota Life Insurance Company and Securian Life Insurance Company are affiliates of Securian Financial Group, Inc.For financial professional use only. Not for use with the public. This material may not be reproduced in any way where it would be accessible to the general public.

What you need to know about DocuSign®How does the authentication process work?

All signers will receive an email with a secure link. To access the policy and documents contained in the link, each signer must authenticate themselves using a four-digit PIN that will be either the last four digits of the signer’s Social Security number (SSN) or Taxpayer Identification Number (TIN). If an ePolicy Delivery case manager has been added, their PIN will be the first four digits of your Securian Financial life insurance code.

What happens if the DocuSign link has expired?

You will receive notification from Securian Financial that the link has expired. If you do not provide direction within five business days, the paper policy will be mailed to you.

Can I resend the link if my client lost the email?

No, you can contact Securian Financial to resend a lost email link, as long as it has not expired. Expired links cannot be reset.

How long is the DocuSign email valid?

The DocuSign email link is good for 14 calendar days. For example: If it takes you 10 days to sign, the client would only have four days then to sign before it would expire.

How do I know when the signatures are completed?

All signers receive a “Completed” email from DocuSign with a link to the signed documents. You can also view the status of all signers from the “eDelivery Details” tab within the Life Pending Business Tool.

How do I cancel or decline if I need to make changes?

Click “Other actions” then select “Cancel/decline” within DocuSign. Notify Securian Financial if you need to make changes or would prefer paper delivery.

I still have questions — who do I contact for help?

Call our customer service team at 1-800-643-5728 or send us an email at [email protected].

Individual life insuranceDrop TicketSM

Insurance products issued by: Minnesota Life Insurance Company

Drop Ticket: How it works

Applying for term life insurance just got a little easier

That’s because select products are now available for Drop TicketSM.1 Which means, only basic client information is required to submit an application. We take care of the rest.

For you, this online solution means less time submitting business, and more time growing it.

Benefits• Minimal client information required

for application submission

• Speeds up the application process

• Offers a more streamlined underwriting process

• Tailored application experience — only asks relevant questions

• ePolicy delivery

• Ensures the right forms are completed

How Drop Ticket works

Step 1Select eApp option from your advisor website to link to the iPipeline® iGo system.

Step 4Submit the Drop Ticket (electronic application).

Step 7Completed application is submitted to Securian Financial.

Step 5Tele-interview is completed by your client.

Step 6eSignatures are obtained from your client.

Step 2Select the applicable product from the Drop Ticket menu options.

Step 3Enter information relevant to your client — no paper required.


Your underwriting options

1. WriteFit Express

• No exam or labs

• Standard or better underwriting classes available (select face amounts only)

2. WriteFit

• Qualifying clients will be approved without exams or labs

• Standard or better underwriting classes available2

3. Traditional underwriting

• Labs required

• All underwriting classes available (including rated)

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1. Available in compact states only, replacement not allowed.2. For ages 55-60: Preferred and Preferred Select classes are available.Life insurance products contain fees, such as mortality and expense charges and may contain restrictions, such as surrender periods.Drop TicketSM may not be available in all states.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.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.Securian Financial is the marketing name for Securian Financial Group, Inc., and its affiliates. Minnesota Life Insurance Company and Securian Life Insurance Company are affiliates of Securian Financial Group, Inc.For financial professional use only. Not for use with the public. This material may not be reproduced in any way where it would be accessible to the general public.

Learn moreIf you have questions, contact our Enterprise Contact Center at 1-800-643-5728.

Convenience for you and your clientsNot only do ePolicy delivery and Drop Ticket speed up the application process, they also offer these benefits:

• A paperless experience

• Application to delivery in as little as seven days

• In good order delivery requirements

• Faster coverage for your clients

• DocuSign® technology ensures signatures are on the applicable forms

As an independent financial professional not registered with Securian Financial Services Inc. you can have your own DocuSign account and can use it to electronically sign life insurance applications and service forms. With the exception of our electronic applications, we do not accept electronic signatures through other electronic signature capture services.

What is DocuSign? DocuSign is an external vendor that provides a digital transaction platform. Firms and agencies can create an account with DocuSign and utilize its system to capture electronic signatures on documents being submitted to Securian Financial.

What documents will be accepted when electronically signed through DocuSign?

All life new business and policy servicing documents will be accepted electronically signed, except policy loans, surrender and incoming and outgoing 1035 exchange forms.

How is an electronic signature captured through DocuSign? An electronic signature can be captured in one of two ways.

1. Remote: Defined as the person signing is not present with the BGA/Advisor at the time of obtaining the signature.

2. In person: Defined as the person signing is present with the BGA/Advisor at the time of obtaining the signature.

What types of authentication will be required through DocuSign prior to submission? Based upon how your capture the e-signature, the signer needs to provide either their email or driver's license. The next step is for the signers to authenticate themselves through one of the four DocuSign options.

• Remote signature: The signer must always provide an email address to obtain an email and begin the process. Once the email is received, they will authenticate themselves by one of the following: ID check, phone, SMS or access code.

• In person signature: The signer must always provide the agent with their driver's license. Once the driver's license is entered Into the DocuSign system, the signer will authenticate themselves by one of the following: ID check, phone, SMS, or access code.

For more information about the authentication set up details, please work directly with DocuSign. How does my firm/agency sign up to use DocuSign? Each firm/agency is responsible for working directly with DocuSign to set up a contract. The contract is between DocuSign and the firm/agency. Securian Financial does not have a contract with DocuSign and will not be your primary resource regarding the DocuSign process. For more information about DocuSign contracts you will need to contact DocuSign directly.

DocuSign® FAQ

Questions? For more information about DocuSign please visit www.docusign.com or call their sales team at 1-877-720-2040.

Individual Life Insurance Products issued by:

Minnesota Life Insurance Company Securian Life Insurance Company

http://www.docusign.com/

Are there any fees to use the DocuSign service? DocuSign typically charges fees to use their services, which depend upon the plan and individual or firm purchase. Securian Financial does not charge any fees to receive documents with an electronic signature. Does Securian Financial have specific requirements for our firm to use DocuSign? Each firm/agency has the following responsibilities:

• Establish a contract with DocuSign. For example, template set-up, usage, fees, maintenance.

• Utilize the most current versions of the forms from our websites which may require updates to DocuSign data tags for the forms loaded into DocuSign. Notifications of updated forms are not always sent. Outdated forms will be returned for new signatures

• Utilize the required and accepted authentication options, as noted above. • To utilize the Access Code Authentication option, the firm is obligated to authenticate

the signer before providing them the access code. For example, the signer needs to provide one of the following: date of birth, social security number, address, or advisor code.

How do I set up an authentication for each signer? 1. In the recipients row, click the More drop down and select Add Access authentication. 2. Select the authentication method for each signer and complete the required fields. 3. Click close to collapse the authentication information. 4. The summary authentication details appears below each recipient information

(See exhibit A for a visual example)

How do I submit an electronically signed document to Securian Financial?

• Open DocuSign account to download the PDF. • Select Manage tab to locate completed envelope. • Select open. • Select download button on top middle bar and select Combine PDF option. • Download onto your computer without make any changes. If any changes are made to

the documents prior to submission to Securian Financial, we will need the original locked PDFs to process the request.

• Send a secure email to the same email address you send document today with the attached original locked PDF from DocuSign.

(See exhibit B for a visual example)

Exhibit A

Exhibit B

Is electronic delivery (eDelivery) the same as electronic signatures? No, eDelivery is when a policy or forms are provided to the client in an electronic format only. Please note the following policies about eDelivery and electronic signatures.

• At this time, eDelivery is only allowed when Securian initiates this process.• For all other policy delivery, the client may electronically sign the delivery documents

after the original policy is delivered to the client via paper. eDelivery or email of a policy to the policy owner is not allowed and is non-compliant with our policies and procedures.

• All forms in which a copy must be provided to the client must be provided via paper. Providing the client an electronic version will not satisfy the requirement.

Contact Information for DocuSign: www.docusign.com DocuSign Sales Assistance: 1-877-720-2040 DocuSign Service and Support: 1-800-379-9973

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.

DocuSign® is not affiliated or connected with, or endorsed by Minnesota Life Insurance Company, Securian Life Insurance Company or Securian Financial Group, Inc. All trademarks mentioned remain the property of their respective owner(s).

For financial professional use only. Not for use with the public. This material may not be reproduced in any way where it would be accessible to the general public. Securian Financial is the marketing name for Securian Financial Group, Inc. and its affiliates. Insurance products are issued by its affiliated insurance companies. Securities and investment advisory services offered through Securian Financial Services, Inc., registered investment advisor, member FINRA/SIPC.

Securian Financial Group, Inc. securian.com


DOCUSIGNFAQ DOFU 10-2018

In today’s unprecedented times, it’s necessary to come up with new strategies for doing business. Holding client meetings virtually instead of welcoming them into your office will be an important service, especially for older clients. Use these 12 tips to help you hold an effective web meeting – no matter where you are.

1. Choose the right technology for the job

Think about the things you want to accomplish during the meeting: for example, will you need to show them something on your computer screen? Will you want to see something on theirs? Knowing the answers to these questions will help you determine which meeting technology to use.

2. Turn on your web camera and ask them to do the same

Although talking to a camera takes some getting used to, body language is a vital part of communication.

3. Email a personalized meeting invitation

Include simple log-in instructions and a personalized greeting. Do not rely on a meeting app’s default invitation to set the appointment!

4. Share an agenda and any documents you’ll discuss before the meeting

If your client wants to discuss a specific document during their meeting, ask them to send it to you ahead of time.

5. Control your image

Make the call in a room that gives a strong first impression, such as a boardroom or your office (but only if it’s clean!). Buying a webcam instead of relying on your computer’s built-in one gives you more control and a better picture. A few simple tricks, like positioning the camera so it’s at or slightly above your eyeline, avoiding back-lighting, and clearing up clutter behind you, can go a long way.

12 tips for effective web meetings with clients

Give us a call We talk to your peers every day and can share some of their best practices.

6. Get creative with hospitality

You can’t offer a beverage or take a coat, but you can make time for small talk and find other ways to make a connection and put your client at ease.

7. Security is critical

Whatever meeting technology you choose, make sure it offers end-to-end encryption so the meeting is secure. Zoom’s security protocol makes it the preferred meeting technology for many financial professionals.

8. Build in time for troubleshooting

Extend your normal meeting time by a few minutes in case there are technical difficulties. Or if you have support staff, they could call the client before the meeting to talk them through setting up the technology.

9. Use visuals as much as possible

They can help keep your client engaged throughout the meeting. Just make sure to have them ready and open ahead of time!

10. Split the video and audio feed

If a client has a spotty internet connection, consider asking them to call in on their phones and mute their computer audio. If their image freezes, you’ll still be able to hear what they’re saying.

11. Make sure all the right people are on the line

And if they’re not, offer to set up a three-way (or four- or five-way) conference call to get the necessary family members, partners, other financial professionals, etc. “in the room” as well.

12. Update your website to include “virtual meetings” as an offered service

Include a screenshot of an online meeting so clients know what to expect, plus a link to download the meeting technology you use most often.

Securian Financial’s qualified retirement plan products are offered through a group variable annuity contract issued by Minnesota Life Insurance Company.

Securian Financial is the marketing name for Securian Financial Group, Inc., and its affiliates. Minnesota Life Insurance Company and Securian Life Insurance Company are affiliates of Securian Financial Group, Inc.

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

Securian Financial Group, Inc. securian.com


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Making life easy — for you and your clients

Individual Life Insurance


We provide the tools and resources you need to make your job easy. From helping ensure your clients choose the right life insurance product for their family to making sure the next steps in the process are as smooth as possible — from application to underwriting to client servicing.

Here are some tools we have available to help you and your clients from start to finish:

1. Our WriteFit Underwriting program includes WriteFit and WriteFit Express.

Dynamic application Delivers an experience tailored to the applicant and their application, which can help speed up the tele-interview process for some clients.

WriteFit Underwriting™ WriteFit1, there is no need for medical exams or blood tests — offering faster underwriting decisions and an overall improved client experience compared to traditional underwriting.

Policy reminders Automatic email reminders can be set up within the eService Center, so you know when action is needed on a client’s life insurance policy (e.g., increasing the face amount, starting distributions or converting coverage). This feature enhances the service you provide clients and helps make sure you stay on top of future sales opportunities and service needs.

eService Center Access policy documents, account or policy values and more — to help you service your client’s policy.

ePolicy delivery Allows for a paperless experience that’s in good order, as well as reduced cycle time and the potential for a 7-day turnaround from application to delivery.1

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Features and availability may vary by state. Please keep in mind that the primary reason to purchase a life insurance product is the death benefit. 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. Withdrawals may be subject to taxation within the first fifteen years of the contract. Clients should consult their tax advisor when considering taking a policy loan or withdrawal. 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.

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.Securian Financial is the marketing name for Securian Financial Group, Inc., and its affiliates. Minnesota Life Insurance Company and Securian Life Insurance Company are affiliates of Securian Financial Group, Inc.For financial professional use only. Not for use with the public. This material may not be reproduced in any way where it would be accessible to the general public.

To learn more about how we can help streamline your application and service needs call your Life Sales Support Team today: 1-866-696-6654 (Securian Financial and broker-dealer) 1-888-413-7860, option 1 (Independent brokerage)

Eclipse Indexed Universal Life (IUL) - NYIndividual Life Insurance

Insurance products issued by: Securian Life Insurance Company

PRODUCT HIGHLIGHTS

Eclipse IULWhy Eclipse IUL?• Flexibility in designing a product to meet your

client’s needs

• Accumulation focus or protection focus1

Policy type Flexible-premium , indexed universal life

Issue ages 0-85 based on age nearest birthday

Minimum face $100,000 for all ages

Death benefit options Level, increasing or sum of premiums

Crediting options Fixed, indexed or both

Indexed account options

• S&P 500®i with 100% participation• S&P 500® with 140% participation• Blended index with S&P 500®, Russell 2000®ii, Barclays Capital U.S. Aggregate Bondiii

and EURO STOXX 50®iv with 100% participation• EURO STOXX 50® with 100% participation

Index crediting method

Point-to-point with annual reset

Issue classes Preferred Select, Preferred Non-Tobacco, Standard Non-Tobacco, Special Risk Non-Tobacco, Preferred Tobacco, Standard Tobacco, Special Risk Tobacco

Surrender charge Applies for the first 10 years after issue or face increase

Premium mode Annual, semi-annual, quarterly or monthly

Minimum guaranteed interest rates

Contract minimum interest rate is 2% cumulative average upon death or termination of contract (less surrender charges and withdrawals).

Fixed interest rate loans

• Loan charge rate: 4% • Loan crediting rate: 3% in years 1-10; 3.9% in years 11+

Variable interest rate loans

• Loan charge rate: Varies based on Moody’s Corporate Bond Yield Average (3% minimum)• Loan crediting rate: 0% minimum up to cap of client's allocated indexed accounts• Net variable loan cost could be positive or negative

Optional agreements

Accelerated Death Benefit Agreement, Accelerated Death Benefit for Chronic Illness Agreement, Early Values Agreement, Guaranteed Income Agreement, Guaranteed Insurability Option Agreement, Income Protection Agreement, Inflation Agreement, No-Lapse Guarantee Agreement, Overloan Protection Agreement, Surrender Value Enhancement Agreement, Term Insurance Agreement, Waiver of Premium Agreement

No-Lapse Guarantee Agreement The length of the guarantee can be any duration, up to age 120 — the higher the premium, the longer the death benefit guarantee.

• Competitive interest crediting options

• Potential for guaranteed lifetime income

• Optional No-Lapse Guarantee Agreement2

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1. With the addition of the No-Lapse Guarantee Agreement2. The no lapse guarantee value could be negative if monthly premium payments are not made on time. This may require the policy owner to pay a larger monthly premium in order to restore the no-lapse guarantee value to zero or greater. The no-lapse guarantee value has no impact on the policy’s cash value and cannot be surrendered or loaned against. Policy loans could cause the no-lapse guarantee value to be less than zero, which would require the repayment of the loan or the payment of additional premiums to restore the no-lapse guarantee value to zero or greater.Additional agreements may be available. Agreements may be subject to additional costs and restrictions. Agreements may not be available in all states, may exist under a different name in various states and may not be available in combination with other agreements.Depending upon actual policy experience, the Owner may need to increase premium payments to keep the policy in force. 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. Life insurance products contain fees, such as mortality and expense charges (which may increase over time), and may contain restrictions, such as surrender charges. One could lose money in these products. Policy loans and withdrawals may create an adverse tax result in the event of a lapse or policy surrender, and will reduce both the surrender value and death benefit. Withdrawals may be subject to taxation within the first 15 years of the contract. Clients should consult their tax advisor when considering taking a policy loan or withdrawal. Guarantees are based on the claims-paying ability of the issuing insurance company. 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 0% up to the maximum 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. The underlying indices only recognize the changes in stock prices and do not include any dividend returns. While the policy and the Indexed Accounts do not actually participate in the stock market or the S&P 500® Index, and one cannot invest directly in an index, the performance of the underlying index may exceed the offered indexed growth caps. Interest crediting within these accounts will vary based on the movement of the investments within the underlying index. Should the index have 0% growth or decline, policy owners bear the risk that no index credit will be given to the account. i. The “S&P 500 Index” is a product of S&P Dow Jones Indices LLC, a division of S&P Global, or its affiliates (“SPDJI”) and, and has been licensed for use by Securian Life Insurance Company (“Securian Life”). Standard & Poor’s® and S&P® are registered trademarks of Standard & Poor’s Financial Services LLC, a division of S&P Global (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Securian Life. Indexed Universal Life Insurance Policy

Series is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the S&P 500 Index. ii. Russell Investment Group. Russell 2000® Index is an equity index that measures the performance of the 2,000 smallest companies in the Russell 3000® Index, which is made up of 3,000 of the biggest U.S. stocks. The Russell 2000® is constructed to provide a comprehensive and unbiased small-cap barometer and is completely reconstituted annually to ensure larger stocks do not affect the performance and characteristics of the true small-cap index. Russell 2000® is a registered service mark of Frank Russell Company. The Indexed Universal Life Series Policies (“the Policies”) are not sponsored, endorsed, sold or promoted by Russell Investment Group, and the Russell Investment Group makes no representation regarding the advisability of the Policies or use of the Russell 2000® Index or any data included therein. Russell Investment Group is the source and owner of the trademarks, service marks and copyrights related to the Russell Indexes. Russell® is a trademark of Russell Investment Group. iii. Barclays Capital Inc., and its affiliates (“Barclays”) is not the issuer or producer of the Indexed Universal Life Series Policies (“the Policies”), and Barclays has no responsibilities, obligations or duties to investors in the Policies. The Barclays Capital U.S. Aggregate Bond Index is a trademark owned by Barclays Bank PLC and licensed for use by Minnesota Life Insurance Company (“Minnesota Life”) and Securian Life Insurance Company (“Securian Life”) as the Issuer of the Policies. While Minnesota Life and Securian Life may for itself execute transaction(s) with Barclays in or relating to the Barclays Capital U.S. Aggregate Bond Index, the Policies investors shall not acquire any interest in Barclays Capital U.S. Aggregate Bond Index nor do they enter into any relationship of any kind whatsoever with Barclays upon making an investment in the Policies. The Policies are not sponsored, endorsed, sold or promoted by Barclays and Barclays makes no representation regarding the advisability of the Policies or use of the Barclays Capital U.S. Aggregate Bond Index or any data included therein. Barclays shall not be liable in any way to the Issuer, investors or to other third parties in respect of the use or accuracy of the Barclays Capital U.S. Aggregate Bond Index or any data included therein. iv. The EURO STOXX 50® is the intellectual property (including registered trademarks) of STOXX Limited, Zurich, Switzerland and/or its licensors (“Licensors”), which is used under license. The interest crediting for the Indexed Universal Life Series Policies based on the Index are in no way sponsored, endorsed, sold or promoted by STOXX and its Licensors and neither of the Licensors shall have any liability with respect thereto.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.Securian Financial is the marketing name for Securian Financial Group, Inc., and its affiliates. Minnesota Life Insurance Company and Securian Life Insurance Company are affiliates of Securian Financial Group, Inc.For financial professional use only. Not for use with the public. This material may not be reproduced in any way where it would be accessible to the general public.

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