The guarantees in IncomeToday! are based solely on the financial strength and claims-paying ability of the issuing company. You should thoroughly review your contract for specific details of the product features and costs.

Income payments and withdrawals from immediate annuities are generally taxable as ordinary income in the year in which taken. When purchased as part of an IRA or other qualified plan, the IRA or qualified plan already provides tax deferral of earnings and the annuity contract does not provide any additional tax deferred treatment of earnings. Withdrawals taken from a qualified plan prior to age 59½ may incur a 10% federal tax penalty. This information should not be considered tax advice. You should consult your tax advisor regarding your own tax situation.

abc vwz Insurance | Investments | retIrementSecurian 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. 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 ©2014 securian Financial Group, Inc. all rights reserved.

08-70152 08-70154 09-70169 09-70171

F68884 rev 3-2014 DOFu 3-2014a00341-0114

Products are not federally (FDIC/NCUA) insured – May lose value – No financial institution guarantee.

Guaranteed dollars for tomorrowIncomeToday!®

No matter what decision you’re making about your retirement income or what stage of retirement you may be nearing, it’s important to have the information and expertise you need to stay on track. Securian’s Retirement GPS Program can help empower you for the journey with a series of educational resources. Then with the expertise of your advisor, you’ll be more prepared to map a secure financial course throughout your retirement.

Need more resources for retirement?

Keep your retirement dreams on course. Talk to your advisor today.

hij abc

A single payment immediate annuity

For a guaranteed source of income, today and tomorrow, learn more about IncomeToday!

What’s inside

IncomeToday! Overview 3

Living to age 90 or beyond 4

Where will your income come from? 5

Income choices and guarantees 6

The Advance Withdrawal Benefit 8

We are Securian 10

3

Steady, secure income now, guarantees for tomorrowContemplating how to turn your accumulated savings into a retirement paycheck you can count on now, and for the rest of your life? No need to put your life on hold – worrying if your income will last as long as you do. For the safe, secure part of your portfolio, there’s IncomeToday!®

IncomeToday!, and immediate income annuity provides:

•A guaranteed paycheck, today and tomorrow

•A range of income choices and guarantees to meet your needs

• Protection from the ups and downs of the markets

• Freedom to invest the balance of your portfolio more aggressively

•Additional access, should you need it.

• The strength of a company known for keeping its promises.

IncomeToday! is available to anyone up to age 90. The minimum contribution is $25,000 up to a maximum of $2 million without prior approval.

Why wait? Learn how you can turn a portion of your savings into a retirement paycheck you can count on for the rest of your life.

4

Have you planned for the possibility of living to age 90 or beyond? Ifallgoeswell,you’llbespendingalongtimeinretirement.Areyoupreparedtolive30+yearsonyourretirementdollars?Considerthefollowing:

• Atage65,there’sa50%chanceoflivingbeyondage89formales,age90forfemales,andforcouples,atleastonespousemaylivetoage94.

• There’sa25%chanceoflivingbeyondage94formales,age96forfemalesandforcouplesatleastonespousemaylivetoage98.

Soit’sinyourbestintereststoplanasifyourretirementsavingswillhavetolastuntilyourearlytomid-nineties,orevenlongeriflongevityrunsinyourfamily.

ChanCes of Living beyond the age of 65

Assumes a person is in good health. 2012 Individual Annuity Mortality Basic Table projected for mortality improvement from base year 2013, American Academy of Actuaries.

for couples, at least one person

80 | | | | 85 | | | | 90 | | | | 95 | | | | 100

for men

of those who reaCh age 65, perCent who wiLL make it to age:

for women

50%

1 in 4 96women will live to age

Security and the convenience of a pension-like paycheck AnadvantageIncomeToday!offersoverotherfixedinvestmentsistheabilitytoturnyourassetsintoaguaranteedstreamofincome.IncomeToday!issimilartoapension,inthatitprovidesyouwithasecure retirement paycheck–onethatneverchanges.It’savaluablesupplementtoyourSocialSecuritybenefits–helpingyoucoversomeoftheroutineexpensesofretirement.

Unlikeotherinvestmentsthataresubjecttotherisksandfluctuationsofthemarketplace,youcandependonIncomeToday!forguaranteedincomethat’spredictable–protectingaportionofyourretirementincomefrommarketlosses.

25%

25%50%

50% 25%

What is an annuity?Annuities are offered by insurance companies to help people save and provide income for retirement.

An immediate income annuity can generate a guaranteed stream of income to meet your financial needs now and in the future. Income annuities offer a number of ways to receive income, including several that provide an income guaranteed for life.

IncomeToday! an immediate income annuity, can be a lifelong ally by providing you with a predictable, guaranteed paycheck that lasts as long as you choose.

Where will your income come from? Today’s retirement income challenges Inthepast,traditionalpensionplansandSocialSecuritymayhavebeenenoughtoprovideforacomfortableretirement.Nottoday.Withonly26%*ofcompaniesofferingtraditionalpensionplans,it’sbecomingmorechallengingtocreateasecuresourceofretirementincome.Thatmeansyourpersonalsavingsmustplayamoresignificantroleinhelpingyoufuelyourfinancialstrategyforretirement.

*LIMRA Retirement Income Reference Book, 2012

5

43% social security

26% pension/retirement plan

12% employment earnings

10% interest and dividends

9% other

retiree sourCes of inCome

10%

26%

12%

9%

43%

6

Income choices and guarantees to meet your needsYoucanselectfromarangeofincomeoptionsthatallowyoutostructureanincomethat’sguaranteedtolastforyourlifetime,forasetperiodoftime,forjointlivesoravarietyofcombinationsthatprovideforbeneficiaries.

Keepinmind,onceyouselectyourpreferredmethodforreceivingincome–includingfrequencyandpaymentdates–thatdecisioncannotbechanged.

*The Advance Withdrawal Benefit is available with these options. For more information see page 8.

A period Certain* option provides you with benefits for a time period you select (5-30 years based on availability). If you die before the end of the period, income payments continue to your beneficiary for the remainder of the period.

Income for a set period of time

Income based on one life

A Life Only option provides benefits for as long as you live; with benefits ending upon your death.

A Life with Period Certain* option provides benefits for as long as you live, with a guarantee that payments will be made for a minimum time period: 5-30 years. If you die before the Period Certain elapses, the remaining guaranteed payments will continue to your beneficiary.

A Life with Cash refund option provides benefits for as long as you live, with the guarantee that if you die prior to receiving payments equal to your contribution, your beneficiaries will receive the difference in a lump sum.

A Life with installment refund option provides benefits for as long as you live, with the guarantee that if you die prior to receiving payments equal to your contribution, income payments will continue to your beneficiaries until the amount equals your contribution.

Income based on two lives

Joint Life options provide benefits for as long as you and your spouse are alive with 100%, 66.67% (2/3), or 50% of the payment continuing to your spouse after your death. There are no further benefits after the death of the second individual.

Joint Life with period Certain* options provide benefits for as long as you and your spouse are alive with an additional guarantee that if you both die prior to receiving payments for the minimum period (5-30 years), income payments will continue at 100%, 66.67% (2/3), or 50% to your beneficiary for the remaining period.

7

Protection for your heirsInadditiontoprovidinganincomeguaranteedforyourlifeorthatofyourspouse,youcanalsoselectanincomeoptionthatoffersprotectionforyourbeneficiaries.Youcanensuretheywillreceiveanyremainingincomepaymentsforaspecifiedperiodoftime.

Satisfy your required minimum distribution (RMD) IncomeToday!canalsobeusedtoautomaticallysatisfyyourRMDrequirementsforassetsrolledinfromyourretirementplans(401(k)sandIRAs),becauseitturnsaportionofyourassetsintoregularpaymentsoveryourlifetime.

YoumusthaveselectedoneofthelifetimeincomeoptionsinordertouseyourIncomeToday! paymentstosatisfyyourRMDamounts.TalktoyouradvisorabouttheincomeoptionsthatwillhelpyoumeetRMDrequirements.Keepinmind,ifyouselectanoptionwithaPeriodCertain,thetimeperiodyouselectcan’texceedyourlifeexpectancy.

Set it and forget it WithIncomeToday!youcanarrangetoautomaticallyhaveyourincomepaymentsdirectlydepositedintoyourpersonalaccount.Youcanalsochoosethefrequencyofyourpayments:monthly,quarterly,semi-annuallyorannually.

This information is a general discussion of the relevant federal tax laws. It is not intended for, nor can it be used by any taxpayer for the purpose of avoiding federal tax penalties. This information is provided to support the promotion or marketing of ideas that may benefit a taxpayer. Taxpayers should seek the advice of their own tax and legal advisors regarding any tax and legal issues applicable to their specific circumstances.

Additional access with the Advance Withdrawal BenefitAlthoughyou’llbereceivingguaranteedpaymentsonafrequencyyouchoose,emergencieshappen.Or,youmayjustfindyouneedsomeadditionalflexibilityasyouadjusttoyournewfinancialneeds.That’swhyIncomeToday!offersanAdvance Withdrawal Benefit. TheAdvanceWithdrawalBenefitisavailableifyouselectanannuityincomeoptionwithaguaranteedPeriodCertain.

Here’showitworks.AtanytimepriortotheendoftheguaranteedPeriodCertain,youcanmake a one-time lump sum withdrawal of between 25% to 75% ofthepresentvalueofyourfuturePeriodCertainannuityincomepayments.Theminimumwithdrawalis$1,000.

Keepinmind,ifyoumakesuchawithdrawal,yourpaymentsfortheremainingPeriodCertainwillbereducedproportionatelyfromthetimeyoutakethewithdrawaluntiltheguaranteedperiodends.IfyouselectafixedPeriodCertainoption,yourincomepaymentswillstopattheendoftheguaranteedperiod.IfyouselectasingleorjointlifeoptionwithaPeriodCertain,yourincomepaymentwillreturntotheamountthatwouldnormallyhavebeenpaidasifnowithdrawalwasmade.

TheAdvanceWithdrawalBenefitprovidesanadded measure of flexibility –justincaseyouneedit–asyouadjusttoyourfinancialneedsinretirement.

8

Invest for growth with your other assets Becauseyou’recreatingareliable,fixedincomestreamwithanIncomeToday! annuity,you’refreetoinvesttherestofyourretirementassetsinadiversifiedportfoliothat’saimedatlong-termgrowth.

Stretch your tax liability over timeIncomeToday!providesimportanttaxadvantages,too.Byreceivingyourmoneyasanincomestream,itallowsyoutostretchyourtaxliabilityoutovertime.

Fornonqualifiedannuities,aportionofeachincomepaymentyoureceiveisclassifiedasareturnofwhatyouoriginallycontributed(yourcostbasis).Thatpartisn’ttaxed.Onlytheinterestportionofeachpaymentistaxable.Yourcostbasisistheneventuallyreturnedtoyouoveranextendedperiodoftime.Afterthat,yourentireincomepaymentbecomestaxable.

Ifyoupurchaseyourannuitywithqualifiedmoney,suchasassetsfromyour401(k)planorIRA,thenyourincomepaymentsarefullytaxableintheyearyoureceivethem,sincenotaxeshavebeenpaidonthatmoney.

Create an inCome you WoN’T ouTLIve.

Concerned about making your retirement savings last as long as you do? or do you simply want an easy way to generate a guaranteed source of income to meet your routine living expenses? For a guaranteed paycheck today and tomorrow, talk to your advisor about IncomeToday!

Learn how IncomeToday! can play an important role in your retirement income portfolio.

no waiting, no worries with IncomeToday!

9

10

you may not have heard of us. Boasting is not our strong suit. But we are one of the nation’s largest and strongest financial services providers. Securian provides retirement solutions, investments and insurance through our subsidiaries, including Minnesota Life. Minnesota Life issues our annuities and has been a respected presence in the industry for more than a century.

We are seCurian

for more information about the rating agencies, and to see where our ratings rank relative to others, visit securian.com/ratings.

We ARe

We do

We ARe

WeareahighlyratedcompanyheadquarteredinSt.Paul,Minnesota.

Wedowhat’sright.Ourstrongrecordoftransparency,complianceandethicalconductsetsusapart.

Weareatrustedlong-termpartnerwithalaser-sharpfocusonhelpingpeoplereachtheirgoals–nowandintheyearsahead.

The guarantees in IncomeToday! are based solely on the financial strength and claims-paying ability of the issuing company. You should thoroughly review your contract for specific details of the product features and costs.

Income payments and withdrawals from immediate annuities are generally taxable as ordinary income in the year in which taken. When purchased as part of an IRA or other qualified plan, the IRA or qualified plan already provides tax deferral of earnings and the annuity contract does not provide any additional tax deferred treatment of earnings. Withdrawals taken from a qualified plan prior to age 59½ may incur a 10% federal tax penalty. This information should not be considered tax advice. You should consult your tax advisor regarding your own tax situation.

abc vwz Insurance | Investments | retIrementSecurian 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. 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 ©2014 securian Financial Group, Inc. all rights reserved.

08-70152 08-70154 09-70169 09-70171

F68884 rev 3-2014 DOFu 3-2014a00341-0114

Products are not federally (FDIC/NCUA) insured – May lose value – No financial institution guarantee.

Guaranteed dollars for tomorrowIncomeToday!®

No matter what decision you’re making about your retirement income or what stage of retirement you may be nearing, it’s important to have the information and expertise you need to stay on track. Securian’s Retirement GPS Program can help empower you for the journey with a series of educational resources. Then with the expertise of your advisor, you’ll be more prepared to map a secure financial course throughout your retirement.

Need more resources for retirement?

Keep your retirement dreams on course. Talk to your advisor today.

hij abc

A single payment immediate annuity

The guarantees in IncomeToday! are based solely on the financial strength and claims-paying ability of the issuing company. You should thoroughly review your contract for specific details of the product features and costs.

Income payments and withdrawals from immediate annuities are generally taxable as ordinary income in the year in which taken. When purchased as part of an IRA or other qualified plan, the IRA or qualified plan already provides tax deferral of earnings and the annuity contract does not provide any additional tax deferred treatment of earnings. Withdrawals taken from a qualified plan prior to age 59½ may incur a 10% federal tax penalty. This information should not be considered tax advice. You should consult your tax advisor regarding your own tax situation.

abc vwz Insurance | Investments | retIrementSecurian 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. 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 ©2014 securian Financial Group, Inc. all rights reserved.

08-70152 08-70154 09-70169 09-70171

F68884 rev 3-2014 DOFu 3-2014a00341-0114

Products are not federally (FDIC/NCUA) insured – May lose value – No financial institution guarantee.

Guaranteed dollars for tomorrowIncomeToday!®

No matter what decision you’re making about your retirement income or what stage of retirement you may be nearing, it’s important to have the information and expertise you need to stay on track. Securian’s Retirement GPS Program can help empower you for the journey with a series of educational resources. Then with the expertise of your advisor, you’ll be more prepared to map a secure financial course throughout your retirement.

Need more resources for retirement?

Keep your retirement dreams on course. Talk to your advisor today.

hij abc

A single payment immediate annuity