Adjustable Life Legend (AL Legend):
Financial options to last a lifetime

As your life changes, so do your financial goals and your need for protection. AL Legend makes it possible for you to continually change your life insurance program to keep up with your needs.

Protection and accumulation: You decide
AL Legend has two key elements: insurance protection that meets your family's needs in case you die and cash value that accumulates for the future. AL Legend insurance allows you to adjust the emphasis you place on protection and accumulation.

Comprehensive financial protection
There are four risks to your financial security:

• You could die too soon
• You could live too long
• You could have a disabling illness or injury
• You could have a sudden need for cash

A good life insurance plan protects you and your family from these risks. AL Legend goes beyond traditional insurance plans to help you solve these four financial problems in an efficient, cost-effective manner.

All insurance is designed to address basic risks to your financial security. AL Legend gives you the power to address these risks with one policy throughout your lifetime.

Adjusting to life circumstances
You initially choose the premium and protection combination that fits your needs. You can change those combinations over time. If your family grows, or your income and responsibilities increase, AL Legend's unique features will allow you to adjust your life insurance program to your new circumstances.

Shifting toward accumulation
Cash value life insurance allows you to accumulate savings on a tax-deferred basis. Cash value can be an important source of income for the future. You can also access cash value through a policy loan or by using partial surrenders of policy cash values. Loans and withdrawals will decrease cash value and death benefits.

How AL Legend works

AL Legend insurance allows you to shift your emphasis from protection to accumulation by increasing or decreasing either your insurance amount or premium that goes to accumulation.

Tax Considerations
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.

Contact a financial advisor to find out more about AL Legend.

Contact a financial advisor to find out more about AL Legend.

Adjustable Life and Variable Adjustable Life policies from Minnesota Life feature the Adjustable Concept^TM life insurance guarantee. This responsive and updateable guarantee is available only through Minnesota Life. Ask your financial advisor about the Adjustable Concept.^TM

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