SCOTTSDALE, Ariz. — Annexus, an industry leader in indexed annuity design, and Securian Financial Group subsidiary, Minnesota Life, recently co-introduced a new, innovative indexed universal life (IUL) policy—Balanced Growth Advantage (BGA).

Annexus has been a market leader in the design and distribution of indexed annuity products. “It was natural to take the uncapped index crediting designs that have been so successful in our fixed indexed annuities and introduce them to the IUL market,” said Don Dady, co-founder of Annexus. In addition to offering uncapped strategies subject to an index allocation and spread, BGA’s unique design also provides interest credit enhancements1 every one to five years, as well as partial interest credits when accumulation value is withdrawn from the Balanced Indexed Accounts, including policy charges.

Ron Shurts, co-founder of Annexus, discusses product distribution: “Balanced Growth Advantage IUL will be available to financial professionals and their clients exclusively through our elite network of 17 independent marketing organizations.”

Minnesota Life, the market leader in accumulation IUL sales in each of the last two years,2 is underwriting Balanced Growth Advantage, leveraging the expertise of Annexus and their partner Genesis Financial Development, Inc., the original architects of the fixed index annuity. The uncapped options have the potential to provide higher annual interest crediting than the capped strategies common in other indexed universal life policies.

In a market where many people expect their life insurance to do more than provide an income tax-free death benefit, BGA provides a unique opportunity to accumulate assets to help supplement retirement income and offset other financial needs that may arise, tax advantaged.

Individuals interested in obtaining more information on BGA should contact their financial professional. Financial professionals should contact their Annexus contracted IMO or visit www.annexus.com/IUL for more information.

About Securian Financial Group
Securian Financial Group and its affiliates provide financial security solutions to more than 15 million people nationwide through insurance, investment and retirement products. As of the end of 2014, Securian’s life insurance companysubsidiaries—Minnesota Life and Securian Life—had more than $1 trillion of life insurance in force.

About Annexus
Annexus designs solutions to help Americans grow and protect retirement savings. For over a decade, Annexus has developed market-leading fixed indexed annuities and indexed universal life insurance products. In close collaboration with design partner Genesis Financial, Annexus has forged partnerships with Nationwide, Athene and Securian, as well as J.P. Morgan, UBS, Zebra Capital Management, Barclays and Merrill Lynch. A handpicked network of financial professionals use Annexus solutions to help clients take control of their retirement.

1 Interest credit enhancements are referred to as participation rate in the policy.

2 LIMRA 2013-2014 Confidential Sales Surveys, 4th Quarter. Ranked by Planned Recurring Premium for 30 participating companies.

Insurance products are issued by Minnesota Life Insurance Company in all states except New York. In New York, products are issued by Securian Life Insurance Company, a New York authorized insurer. Both companies are headquartered in Saint Paul, MN. Product availability and features may vary by state. Each insurer is solely responsible for the financial obligations under the policies or contracts it issues.

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

Life insurance products contain fees, such as mortality and expense charges, and may contain restrictions, such as surrender charges. One can lose money in these products. Guarantees are based on the claims-paying ability of the issuing insurance company.

The Balanced Indexed Accounts employ a Balanced Allocation Strategy with one-year, two-year and five-year index segments—except where noted—established monthly. The Balanced Allocation Strategy blends an equity indexed component, a declared rate component, a segment spread component and a participation rate component. Interest credits for any Balanced Index Account segment will never be less than zero. These policies guarantee that upon surrender, lapse or death of the insured interest will be calculated using an annual minimum interest rate of at least 2.00%.

The underlying indices only recognize the changes in stock prices and do not include any dividend returns. While the policy and the Indexed and Balanced Indexed Accounts do not actually participate in the stock market or the Index, and one cannot invest directly in an Index, the performance of the underlying index may exceed the offered indexed growth caps for Indexed Accounts. Interest crediting within these accounts will vary based on the movement of the investments within the underlying index. Should the index have 0% growth or decline, investors bear the risk that no Index credit will be given to the account. Administrative and insurance charges are deducted every month, regardless of whether premium outlays are made. Depending upon actual policy experience, the Owner may need to increase premium payments to keep the policy in force.

This is a general communication for informational and educational purposes. The materials and the information are not designed, or intended, to be applicable to any person’s individual circumstances. It should not be considered investment advice, nor does it constitute a recommendation that anyone engage in (or refrain from) a particular course of action. If you are seeking investment advice or recommendations, please contact your financial professional.

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