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not o ue with the publi.

SecureLink AnnuityProtection and growth potential for yourclients retirement income needs

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Advisor

Training

Guide

Anindexedxedannuity

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SecureLinkProtectionandgrowthpotentialor

yourclientsretirementincomeneeds

Theollowinginormationwillgiveyoua

betterunderstandingohowtheSecureLink

annuityworksandwhichclientsmaybe

rightorthisproduct

WhatdoesSecureLinkoeryourclients?

SecureLinkoersanopportunitytoadd

potentialgrowthwithprotectiontoaxed

incomeretirementportolioSecureLinkisanindexedxedannuitythatoersinterestthats

linkedtothechangesintheS&PIndex1

andaguaranteeagainstnegativeperormance

Alongwithpotentialgrowthandprotection

itprovidestax-deerredearningspartial

accesswithoutcontractchargesineeded

arangeoincomeoptionsandmore

Butyoursuccessalsodependsonunder-standingtheseeaturesullyandpassingthis

knowledgetoyourclientsGetstartedtoday!

1Standard&PoorsS&PS&PStandard&

PoorsandaretrademarksoTheMcGraw-Hill

CompaniesIncandhavebeenlicensedorusebyMinnesota

LieTheProductisnotsponsoredsoldorpromotedby

Standard&PoorsandStandard&Poorsmakesnorepresen-

tationregardingtheadvisabilityopurchasingtheProduct

YoucannotinvestdirectlyintheS&PIndex

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Annuities in generalQ. Wht i uity?

a. Annuitiesareoeredbyinsurancecompaniestohelppeoplesaveorretirementand

provideincomeduringretirementDeerredannuitiesprovideortheaccumulationo

savingsonatax-deerredbasisWithaxeddeerredannuityearningsarebasedon

interestratesandormulassetbytheinsurancecompanyWithavariableannuityearnings

arebasedontheperormanceovariableinvestmentsinaseparateaccountWithannuities

taxesarepaidintheuturewhentheundsarewithdrawnorannuitizedAnnuitiesprovide

oranumberowaystoreceiveincomeOwnerscantakeperiodicwithdrawalsoroptora

regularstreamoincomebyannuitizingtheircontractMostannuitiesareinvestmentsor

thelong-termIyourclientneedsmoneyinthenearutureitmaybeintheirbestinterest

toexploreotherinvestmentchoices

Q. How e idexed, xed uitie difeet o othe xed uitie?

a. ThedierenceisinhowtheinterestiscalculatedWithatraditionalxedannuitythe

contractiscreditedinterestbasedonaxedrateointerestWithanindexedxedannuity

theinterestiscalculatedbyusingaormulabasedonchangesinanindextowhichthe

annuityislinked

Q. Wht i the seueLik uity?

a. SecureLinkisSecurianslimitedpaymentdeerredindexedxedannuityItisissuedbyMinnesotaLieSecureLinkisappropriateorlong-terminvestorsseekingequity-linkedinterest

creditsbasedonchangesinanIndexWiththeSecureLinkannuityinterestorthecontractis

linkedtochangesintheS&PIndex

Q. Wht e the puhe equieet?a. SecureLinkisavailabletoanyoneyearsoldoryoungerTheminimumcontributionis

andthemaximumismillionAdditionalcontributionsoormoreare

acceptedintherstcontractyear(mayvarybystate)

SecureLinkisdesignedorclientswhodesiregrowthpotentialyetwishtoprotecttheir

retirementsavingsrompossiblemarketdownturnsYourclientsmusthoweverbeableto

tolerateuctuationsintheinterestcreditedincludingthepossibilityoreceivingnointerest

inanygivenyearSecureLinkisnotdesignedorclientswhomayneedthemoneytomeetcurrentexpensesaswithdrawalsmaybesubjecttodeerredsaleschargesandtaxpenalties

IthisannuityisoruseinaqualiedplanorIRAthequaliedplanorIRAalreadyprovides

taxdeerralThepurchaseothisannuityshouldbeorreasonsotherthantaxdeerral

IndexesQ. Wht i the s&P 500 Idex?a. TheStandard&PoorsCompositeStockPriceIndex(S&PIndex)isamarketvalue-

weightedindex(sharesoutstandingtimesstockprice)opublicly-tradedcompanies

S&PidentiesimportantindustrygroupswithintheUSeconomyandthenallocatesa

representativesampleostockswithineachgrouptotheS&P

Q. ae diided iluded i the s&P 500 Idex?

a. NoWhenlookingatthechangeorgrowthintheIndexdividendsothecompanies

representedintheIndexarenotincludedThegrowthotheIndexisdeterminedbythe

changeinvalueotheS&PatvariouspointsYoucannotinvestdirectlyintheIndex

ThechangeorgrowthotheIndexshouldnotbecomparedtothereturnothecompanies

thatmakeuporrepresenttheIndexThereturnsquotedortheS&Pinvariouspubli-

cationsotenassumeinvestmentinthecompaniesthatrepresenttheIndexandthusdo

includedividendsinthosecalculationsAsaresultthereturnsquotedwillbehigherthan

theactualchangeintheIndex

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Q. ae the et o the seueLik uity ieted i the s&P 500 Idex?a. NoTheSecureLinkannuityisotaninvestmentintheIndexorinthestockmarketYour

clientisnotparticipatinginanystockorequityinvestmentswiththeSecureLinkannuity

Interest crediting in indexed fxed annuititesQ.

How i the iteet out to be edited deteied i idexed,

xed uity?

a. Theamountointerestcreditedtoanindexedxedannuityisbasedonanumberoactors

thatareuniquetoeachannuitycontractFollowingarequickdenitionsosomeothemost

commoneaturesthathavethegreatesteectontheamountointerestcredited:

IndexingMethod Theapproachusedtomeasuretheamountochangeiany

intheindex

ParticipationRate Determineshowmuchotheincreaseintheindexwillbeusedto

calculatetheindex-linkedinterestTheParticipationRateistypicallyguaranteedora

specicperiodTheparticipationratemaybelessthan

CapRate/IndexCap/Cap Someannuitiesmayputanupperlimitorcapontheamount

oindex-linkedinterestthatwillbecreditedThisisthemaximumrateointerestthe

annuitywillearnduringtheperiod

Margin/Spread/Fee Insomeannuitiestheindex-linkedinterestrateisdeterminedby

subtractingaspecicpercentageromthecalculatedchangeintheindex(notapplicable

toSecureLink)

Q. Wht uique etue i the seueLik uity deteie the iteetedited eh ye?

a. IntheSecureLinkannuitytheamountoindex-linkedinterestcreditedisbasedonthese

uniqueeatures:

Index WiththeSecureLinkannuitytheIndexusedistheS&PIndex

IndexingMethod SecureLinkusesanAnnualPoint-to-PointmethodThepercentage

changeintheIndexisdeterminedoneachcontractanniversarybasedonthedierence

betweentheS&PIndexvalueatthebeginningotheperiodandtheS&PIndex

valueattheendotheperiod

ParticipationRate WithSecureLinkotheS&PIndexchangeorgrowth

(excludingdividends)isusedincalculatingtheIndexCredituptotheIndexCapOnceissued

theParticipationRateintheSecureLinkannuityisguaranteedorthelieothecontract

IndexCap ThemaximumrateointeresttheSecureLinkannuitywillearnduringtheyear

TheinitialIndexCapwillbedeterminedatpurchaseandguaranteedoroneyearThereater

theIndexCapmaychangeannuallyonthecontractanniversary

IndexCredit Thedollaramountoindex-linkedinterestappliedintheSecureLinkannuity

annuallyTheIndexCreditmaybezerobutwillneverbelessthanzero

Q. ae thee y itutio whee ott lue e ot eligible oIdex cedit?

a. YesDuringtherstcontractyearanyadditionalcontributionsreceivedwillearnaxedrate

ointerestdeterminedonthedaythecontributionisreceivednottheinteresttiedtothe

changesintheIndexInsubsequentcontractyearsallcontractvalueswillearnIndexCredits

basedonthegrowthotheIndex

IyourclientisconsolidatingamountsromdierentsourcesintoSecureLinkitisimportant

torememberthatanycontributionreceivedatertheinitialcontributionwillearnaxedrate

ointerestuntiltherstcontractanniversaryIyourclientintendsorallcontributionsto

beeligibleortheIndexCreditintherstyearyoumaywanttoconsiderconsolidatingall

amountsintoasinglecontributionpiotopurchasingtheSecureLinkannuity

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Letslookatanhypotheticalexample

-

-

-

-

-

YearYearYearYearYearYearYearAtPurchase

-

-

IndexCap

At Purchase Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7

Index Cap for Year 7% 6% 7% 8% 6% 8% 7%

Index Growth for Year 5% 8% -6% -13% 14% 9% 6%

Interest Applied (%) 5% 6% 0% 0% 6% 8% 6%

Index Credit Applied ($) $5,000 $6,300 $0 $0 $6,678 $9,438 $7,645

Ending Account Value $100,000 $105,000 $111,300 $111,300 $111,300 $117,978 $127,416 $135,061

auptio: Theassumptionsinthisexamplearehypotheticalandarenotguaranteedorintendedtorepresentthepast

orutureperormanceotheIndexortheSecureLinkannuityItassumesasinglecontributionnowithdrawalsor

deerredsaleschargesparticipationinthehypotheticalIndexsubjecttotheIndexCapTheIndexCapandresulting

IndexCreditamountaresubjecttochangeannuallyIndexCreditswhenapplicableareappliedonthecontractanniversary

Forillustrationtrainingpurposesonlyandnotintendedtopredictorprojectperormance

Q. Wht hppe i the Idex hge o gowth o the peiod i poitie?a. ItheIndexexperiencespositivegrowthduringtheyearasmeasuredbythechangein

thevalueotheIndexapositiveIndexCreditisappliedtotheaccountonthecontract

anniversarysubjecttotheIndexCapAllIndexCreditsthatareappliedtotheannuity

arelocked-in(assumingnowithdrawals)

TakeacloserlookatYear2.SincetheIndexCaporthatyearisthemaximuminterestthatcanbeappliedinthatyeariseventhoughtheIndexGrowthwas

greaterthanSinceSecureLinkhasaParticipationRatetheinterestapplied

willalwaysbethegrowthotheIndexortheperiodsubjecttotheIndexCap

Hypothetil exple

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Q. c the seueLik uity loe lue duig tok ket delie?a. NoThecurrentvalueothecontractisalwayslockedinanddoesnotgodownexcept

uponwithdrawal

Q. Whee will I d the uet Idex cp tht pplie to ew le?a. ThecurrentIndexCapthatwillapplytonewsalesisposteddailyonouradvisorwebsite

Gotothenancialproessionalssectionatseui.o.YoumayalsocallourSalesDesk

at1-866-335-7355Thexedinterestrateapplicabletoadditionalcontributionsintherst

yearisalsoposted

Q. How will I kow bout hge to the uet Idex cp?a. UndernormalmarketconditionsIndexCapdecreaseswillbepostedonouradvisorwebsite

by:pmCTtheWednesdayprecedingtheSaturdayeectivedateBusinessmustbe

receivedintheSecurianhomeofceby:pmCTFridaytobeeligibleorthecurrentIndex

CapIndexCapincreaseswillbepostedontheMondayollowingtheSaturdayeectivedate

WereservetherighttochangeIndexCapsandxedinterestrateswithoutnoticebasedon

marketconditions

Q. I the Idex cp eligible o te lokig?a. NoTheSecureLinkannuityisnotincludedinourratelockprogram

Q. Wht hppe i the Idex gowth o the peiod i egtie?a. IthegrowthotheIndexasmeasuredbythechangeinvalueotheIndexisnegativeor

theperiodthevalueinthecontractisprotectedAllpriorinterestandprincipalisprotected

rommarketloss(assumingnowithdrawals)Letslookbacktotheexample

TakeacloserlookatYear3.ThebeginningcontractvaluewasWhiletheIndexhad

negativegrowtho-thevalueotheSecureLinkannuityremainsatattheend

otheyearAllpreviousinterestearnedislockedinandprotectedromlossAdeclineintheIndexovertheperiodhadnoeectonthevalueotheSecureLinkannuity

Q. How i the hge i the Idex tully lulted?a. ThechangeintheIndexiscalculatedbylookingatthedierenceinthevalueotheIndex

atthebeginningotheperiodversusendotheperiod

Example:

AssumetheS&PIndexvalueatthebeginningothecontractyearwas

andbytheendothecontractyearitwasTocalculatethechange

intheIndexsubtractthebeginningvalueromtheendingvalueanddivideby

thebeginningvalue

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Withdrawals and contract chargesQ. Wht i the iiu withdwl?a. Theminimumwithdrawalorbothone-timeandsystematicwithdrawalsisPlease

keepinmindthatthetimingoanywithdrawalromanindexedxedannuityshouldbe

careullyconsideredWiththeSecureLinkannuityIndexCreditsareappliedannuallyon

thecontractanniversary(whenapplicable)Amountswithdrawnorsurrenderedpriorto

acontractanniversarywillnotreceiveanyIndexCreditorthatcontractyear Withdrawalsaregenerallysubjecttoordinaryincometaxanditakenbeoreage/

aIRSpenaltymayalsoapplyGenerallyornonqualiedannuitiesederallawrequires

thewithdrawalsbetakenrstrominterestearningsItheannuityisissuedinconnection

withaqualiedplanalldistributionsmaybetaxableForannuitycontractsissuedin

connectionwithaqualiedplanotherthananIRAwithdrawalsmayalsobesubjectto

mandatorywithholdingoincometax

ThisinormationisageneraldiscussionotherelevantederaltaxlawsItisnotintended

ornorcanitbeusedbyanytaxpayerorthepurposeoavoidingederaltaxpenaltiesThis

inormationisprovidedtosupportthepromotionormarketingoideasthatmaybeneta

taxpayerTaxpayersshouldseektheadviceotheirowntaxandlegaladvisorsregarding

anytaxandlegalissuesapplicabletotheirspeciccircumstances

Q. Wht hge y pply upo withdwl?a. Duringtherstsevenyearsothecontractadeerredsaleschargeappliesuponwithdrawal

orsurrenderTheamountwithdrawnplusanydeerredsaleschargeisdeductedromthe

ContractValueandromtheGuaranteedMinimumSurrenderValueTheamountothe

deerredsaleschargeequalstheContractValuewithdrawnmultipliedbytheappropriate

percentageasshownintheschedulebelow

Q. Wht liquidity i ilble duig the deeed le hge peiod?a. SecureLinkannuityprovideseasyaccesstoaportionothecontractvalueaterthest

contractanniversarywithoutdeerredsalescharge

aul withdwl ee o deeed le hge:

othepriorcontractanniversaryvalue

Anadditionalothepriorcontractanniversaryvalueisavailableduringaqualiying

stayinamedicalcareacility

AnyadditionalamountsneededtosatisytheIRSRequiredMinimumDistributionsor

thecontract

Deerred sales charge

Beginning o contract year 1 2 3 4 5 6 7 8+

Charge 9% 8% 7% 6% 5% 4% 3% 0

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Lets look at an example of how the deferred sales charge on withdrawal would be determined.

Continuingourearlierexample,yourclientwishestowithdrawromhercontract

valueinYearSincetheclienthasmadenopriorwithdrawalsduringtheyearandIndex

Creditshavenotyetbeenappliedthecontractvaluebeorethewithdrawalis

thesamevalueasthepreviouscontractanniversaryWithareewithdrawalamounto

thewithdrawalwouldbesubjecttoadeerredsaleschargeas

shownbelowThenetamounttotheclientwouldbe(-)

Dollar Amount o Withdrawal $15,000.00

10% Free Withdrawal Value - $11,797.80

Withdrawal Amount Subject to Charge $ 3,202.20

Deerred Sales Charge Percentage in Year 6 X 0.04

Deerred Sales Charge $ 128.09

Intheaboveexampletheclientrequestedawithdrawaloromhercontractvalue

(received)HoweveryourclientalsohastheoptiontorequestherwithdrawalsothatshereceivesInthiscasewewilldeterminetheadditionalamountneededto

withdrawromthecontractvaluesothatthenetamounttoyourclientis

Q. I thee iiu lue gutee?a. YesSecureLinkprovidesaguaranteedvalueuponsurrenderTheGuaranteedMinimum

SurrenderValueisequaltoothecontributionsaccumulatedatthecurrentlydeclared

InterestRateapplicabletotheGuaranteedMinimumSurrenderValueadjustedorany

amountswithdrawnInterestiscrediteddailyandcompoundedannuallyTheInterestRate

applicabletotheGuaranteedMinimumSurrenderValueislockedinonthedayopurchase

andguaranteedorthelieothecontractTheminimumratewillbe

Q. How I d out the uet Iteet rte pplible to the Guteedmiiu suede vlue?

a. ThecurrentInterestRateapplicabletotheGuaranteedMinimumSurrenderValueaswellas

thecurrentIndexCapornewSecureLinkcontractsisposteddailyonouradvisorwebsite

Gotothenancialproessionalssectionatseui.oYoumayalsocallourSalesDesk

at1-866-335-7355

SecureLinkcontractownerswillndtheInterestRateapplicabletotheGuaranteedMinimum

SurrenderValueontheContractDatapageotheircontract

Q. Wht out i ilble upo uede o the ott?a. UponsurrenderyourclientwillreceivethegreaterotheContractValuelessanydeerred

saleschargeortheGuaranteedMinimumSurrenderValue

Q. c y liet loe oey by puhig the seueLik uity?a. YesIthecontractissurrenderedduringtheearlyyearsdeerredsaleschargesdoapply

TheSurrenderValueotheSecureLinkannuityisequaltothegreaterothecurrentContract

ValuelessdeerredsaleschargeortheGuaranteedMinimumSurrenderValue

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Client services and supportThe eService Center at Securian.com provides annuity owners

and representatives with internet access to account values.

Theannuityvoiceresponseline oersaroundtheclock

toll-reeaccesstoannuityinormation

Thetoll-reeannuityserviceline (1-800-362-3141)delivers

personalserviceromexperiencedcustomersupport

representatives

Sales supportExperienced,highlyproessionalSecurianRetirement

DistributorsRegionalVicePresidentsprovideexternal

wholesalingsupportRVPsareavailableorofcevisits

salespresentationsupportclientconsultationandmore

OurInternalSalesDesk supportsRVPsprovidingproduct

andserviceexpertisesalesandillustrationsupportand

outstandingphonesupportCall1-866-335-7355.

AdvancedMarketing providesexpertiseontrustsannuity

distributionsannuitiesinqualiedandnonqualiedplans

andannuitystructuring

Onlineresourcesandinormationorfnancialproessionals:

Securian.com.

Sending business to Securian:Sendapplicationsservicerequestsinquiriesandall

overnightexpressmailto:

MinnesotaLie

AnnuityServicesA3-9999

400RobertStreetNorth,St.Paul,MN55101-2098

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Securian Financial Group, Inc.

www.securian.com

Insurance products are issued by Minnesota Lie Insurance Company in all states except New York. In New York, products are issued by Securian Lie

Insurance Company, a New York admitted insurer. Both companies are headquartered in St. Paul, MN. Product availability and eatures may vary by state.

Each insurer is solely responsible or the inancial obligations under the policies or contracts it issues. 400 Robert Street North, St. Paul, MN 55101-2098

2010 Securian Financial Group, Inc. All rights reserved.

-

F63853 Rev 11-2010 DOFU 11-2010

A02567 0610

abc vwz Insurance | Investments | retIrement

An annuity is a long-term, tax-deerred investment vehicle designed or retirement. Earnings are taxable

as ordinary income when distributed, and i withdrawn beore age , may be subject to a % ederaltax penalty. I the annuity will und an IRA or other tax-qualied plan, the tax deerral eature ofers no

additional value. There are charges and expenses associated with annuities, such as deerred sales charges

or early withdrawals.

All guarantees are based on the nancial strength and claims-paying ability o the issuing company.

The SecureLink annuity may not be available in all states and product eatures may vary by state.

no FDIc/ncua Id. no dpoi of Bk.

no Bk Gd. my lo l.

no Id by y Fdl Go agy.