Accumulator Variable Universal Life:
The potential to grow. The flexibility to change. The strength to protect.

In today’s financial world of unknowns, having a solid foundation for financial protection and accumulating wealth is essential. You want to protect your family’s financial security. You also want to cultivate assets for your future needs, including retirement. Accumulator Variable Universal Life can provide a solution to those needs. It gives you the death benefit protection you need, the wealth accumulation potential you want and the flexibility you desire.

Accumulator VUL is a flexible premium variable universal life contract that offers an array of choices to help you achieve your protection and accumulation goals.*

Policy loans may create an adverse tax result in the event of a lapse or policy surrender, and will reduce both the accumulation value and death benefit.

Product Features Include:

• More than 30 variable investment choices for your accumulation value, including five ETFs (Exchange Traded Funds).
• The flexibility to change the policy as your needs change.
• Optional riders to customize the contract and guarantee the death benefit.
• Three death benefit options.
• Fixed interest option with three percent minimum annual rate.

*Please keep in mind that the primary reason to purchase a life insurance product is the death benefit. Variable life insurance products contain fees, such as management fees, fund expenses, distribution fees and mortality and expense charges. The variable investment options are subject to market risk, including the loss of principal.

Customizing Your Accumulator VUL Policy
These optional agreements allow you to enhance your Accumulator VUL policy at an additional cost.

1. Term Insurance Agreement
2. Death Benefit Guarantee Agreement
3. Overloan Protection Agreement
4. Family Term – Children’s Term Agreement
5. Waiver of Charges Agreement
6. Waiver of Premium Agreement
7. Accelerated Benefit Agreement

Certain combinations of these agreements may not be permitted. Investment limitations apply for the Death Benefit Guarantee Agreement.

Contact your financial professional to request a prospectus and find out more about how Accumulator VUL can help you to reach your life insurance and accumulation goals. An illustration of hypothetical values can be customized to show how Accumulator VUL can help meet your financial needs.

Guarantees are based on the financial strength and claims paying ability of Minnesota Life.

You should consider the investment objectives, risks, charges and expenses of a portfolio and the variable insurance product carefully before investing. The portfolio and variable insurance product prospectuses contain this and other information. You may obtain a copy of the prospectus from your representative. Please read the prospectuses carefully before investing.

Contact a Minnesota Life representative/ agent to find out more about Accumulator Variable Universal Life.

Variable products are distributed by Securian Financial Services, Inc., Member FINRA/SIPC.

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