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

The basic concept behind life insurance hasn't changed much since life insurance was invented centuries ago. It is designed to protect you if you die too soon, live too long, become disabled or if you need access to cash. AL Summit gives you the power to address these risks with one policy throughout your lifetime.

Some important features AL Summit offers are:

Lower premiums
People are living longer, healthier lives. For this reason we are able to offer you a policy with our innovative protection, but at a lower premium than we've offered before.

Coverage to Age 121
AL Summit can ensure that your coverage will last as long as you do - even if you live to be 121!

Protection and accumulation: You decide
Minnesota Life's adjustable life insurance allows you to adjust the emphasis you place on protection and accumulation. Because AL Summit is an adjustable policy, you can change your policy protection and premiums to meet you individual needs as they grow and change.

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 Summit'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 Summit works

AL Summit 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 Summit.

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

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.