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.

An annuity is intended to be a long-term, tax-deferred retirement vehicle. Earnings are taxable as ordinary income when distributed, and if withdrawn before age 59 ½, may be subject to a 10% federal tax penalty. If the annuity will fund an IRA or other tax-qualified plan, the tax deferral feature offers no additional value. Qualified distributions from a Roth IRA are generally excluded from gross income, but tax and penalties may apply to non-qualified distributions. Please consult a tax advisor for specific information. There are charges and expenses associated with annuities, such as deferred sales charges for early withdrawals.

SecureOption Choice contains a Market Value Adjustment. A Market Value Adjustment adjusts the annuity’s value to reflect the changes in interest rates since the contract was purchased. Depending on the direction interest rates have taken since the contract was opened, the MVA can have a positive or negative impact on the value of the annuity.

Some products and optional features may not be available in all states and features may vary by state. Not all products, features and optional benefits are available from all selling firms or broker-dealers.

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

This is a general communication for informational and educational purposes. The materials and the information 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. If you are seeking investment advice or recommendations, please contact your financial professional.

A purpose of the method of marketing is solicitation of insurance and that contact will be made by an insurance agent or agency. 

Policy form numbers: ICC18-70415, 18-70415, ICC18-70416, 18-70416, ICC18-70417, 18-70417,

ICC18-70419, 18-70419, ICC18-70421, 18-70421, 18-70437, 18-70438, 18-70440, 18-70442.

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

NOT A DEPOSIT – NOT FDIC/NCUA INSURED – NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY – NOT GUARANTEED BY ANY BANK OR CREDIT UNION – MAY GO DOWN IN VALUE.