Eclipse Indexed Life is a universal life policy that offers interest crediting options tied to the performance of a client-selected market index. Eclipse offers flexible life insurance solutions and guarantees including:

1. Fixed and indexed interest crediting choices
2. Three death benefit options: Level, Increasing and Sum of Premiums
3. Optional agreements to customize the contract and guarantee the death benefit (available at an additional cost)

Keep in mind you cannot invest directly in an index.

Select Your Account Options
While the main purpose of life insurance is protection, a significant aspect of Eclipse is how it credits interest to your accumulation value.

1. Have your accumulation value allocated to an index account with interest tied to the performance a chosen market index. Interest credited is subject to a floor of 0 percent and an index cap.
2. Choose a fixed account, which will be credited interest at a rate guaranteed to be no lower than 3 percent.

Flexible Benefits
Eclipse gives you premium and death benefit flexibility and lets you choose when to make premium payments and how much you wish to pay. You may choose to fund your policy for protection now, and for accumulation in later years.¹^, ²

Transfers
You may transfer accumulation value between the Fixed and Indexed Accounts.

Customizing Your Eclipse Policy
These optional agreements allow you to enhance your Eclipse life insurance policy at an additional cost. 

1. Term Insurance Agreement
2. Death Benefit Guarantee Agreement
3. Waiver of Charges Agreement
4. Waiver of Premium Agreement
5. Accelerated Benefit Agreement
6. Interest Accumulation Agreement
7. Early Values Agreement
8. Surrender Value Enhancement Agreement
9. Overloan Protection Agreement

Certain combinations of these agreements may not be permitted.

Providing financial protection to your family or business is an important consideration. Eclipse Indexed Life offers you a number of flexible options for your specific life insurance goals. Contact your financial advisor to see how Eclipse can impact your life insurance objectives.

¹Policy loans and withdrawals may create an adverse tax result in the event of a lapse or policy surrender and will reduce both the cash value and death benefit.
²Depending upon actual policy experience, the owner may need to increase premium payments to keep the policy in-force.

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

Life insurance products contain fees, such as mortality and expense charges, and may contain restrictions, such as surrender charges.

Contact a financial advisor or representative to find out more about Eclipse Indexed Life.

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