Planning Tips and Carrier News for Advisors 

Securian News- April 2019

Posted by LTCI Partners | Apr 23, 2019 1:40:48 PM
Securian Financial
Securian
Insurance products issued by:
Minnesota Life Insurance Company
Securian Life Insurance Company
Life Lines
April 2019
“I think we’ll be okay – unless one of us gets really sick.”
You’ve probably heard this from prospects before, and it can be a difficult situation to address. Most retirees aren’t interested in reducing their current lifestyle to pay for a traditional long-term care insurance policy they may never need. But with SecureCare Universal Life, they may not have to. SecureCare offers prospects:
  • Customizable coverage
  • Cash indemnity LTC benefit
  • Guaranteed protection1

Addressing your prospects’ top concern can mean sales success for you. And with the SecureCare Sales Success Kit, you’ll find the marketing tools you need to prospect, position and close.

 

Get the kit

 

 
 
 



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1. SecureCare offers guaranteed protection by providing a guaranteed death benefit, guaranteed long-term care benefit and guaranteed reduced paid-up nonforfeiture benefit. The reduced paid-up nonforfeiture benefit purchases paid-up insurance in the event of premium lapse.

2. This comparison does not take all material factors into account and must not be used with the public. These factors include but are not limited to: investment options, rider availability, surrender periods, or fees and expenses. For information regarding these and other factors please consult the policies of these products.

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

4. Subject to the claims paying ability of the issuing life insurance company. For more information about the rating agencies and our ratings, visit securian.com/ratings.

Please keep in mind that the primary reason to purchase a life insurance product is the death benefit.

Product features and availability may vary by state.

Guarantees are based on the claims paying ability of the issuing company

Life insurance products contain fees, such as mortality and expense charges (which may increase over time), and may contain restrictions, such as surrender periods.

SecureCare Universal Life Insurance includes the Acceleration for Long-Term Care Agreement. The Acceleration for Long-Term Care Agreement is a tax qualified long-term care agreement that covers care such 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. This agreement is intended to provide federally tax qualified long-term care insurance benefits under Section 7702B of the Internal Revenue Code, as amended. However, due to uncertainty in the tax law, benefits paid under this agreement may be taxable.

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

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.

securian.com

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

DOFU 4-2019
806326

Topics: Securian, hybrid life/Long-Term Care

Written by LTCI Partners

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