Eclipse Protector helps your beneficiaries by providing a source of funds to pay off your mortgage, other debt, hospital expenses and funeral costs. It’s lifetime, affordable coverage with something extra. As an indexed policy, it also allows you to allocate net premiums into a fixed account, a choice of index accounts or any combination. This gives you more flexibility and the potential for higher interest crediting.

Eclipse Protector has:

• Fixed and indexed interest crediting choices
• Three death benefit options: Level, Increasing and Sum of Premiums
• Optional agreements to customize the contract and guarantee the death benefit.*

Select your account options
While the main purpose of life insurance is protection, Eclipse Protector allows you to credit interest to your accumulation value. You can choose:

• An index account with interest tied to the performance of a chosen market index. Interest credited is subject to a floor of 0 percent and an index cap.
• A fixed account with interest credited at a rate guaranteed to be no lower than 3 percent.

Transfers
You may transfer accumulation value between the fixed and index accounts.

Customize your policy
These optional agreements allow you to enhance your Eclipse Protector policy.*

• Child Term Agreement
• Waiver of Premium Agreement
• Waiver of Charges Agreement
• Death Benefit Guarantee Agreement
• Accelerated Benefits Agreement
• Accidental Death Benefit Agreement
• Overloan Protection Agreement
• Term Insurance Agreement
• Guaranteed Insurability Option

*Optional agreements may be subject to additional costs and restrictions. Certain combinations may not be permitted. Keep in mind you cannot invest directly in an index.

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.

Eclipse Protector Indexed Life is designed to provide life insurance protection. While the interest crediting options available with the product are attractive for cash value accumulation, your fundamental objective in buying this product should be the peace of mind that the life insurance protection provides to you and your family or business.

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

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