Page 1 of 2

Deferred 60-Day Better of Rate Lock Program

Q: How does the 60-day better of rate lock work?

A: If a previously designated initial contribution is received during the 60-day rate lock period, it will earn the greater of the rate*
currently in effect or the rate previously locked in (regardless of any other rates that may have been in effect during the rate lock
period).

The rate lock period begins on the day when the paperwork/application is first received in Annuity Services before 3:00 pm Central
Time (with prior suitability approval by your Broker/Dealer). This paperwork includes:
the application (if a new account)
supporting documents
all rollover/transfer/1035 Exchange documents
In New York, initial Regulation 60 paperwork

The rate in effect on the first day the paperwork/application is received will then be guaranteed for 60 calendar days for those
specifically designated contributions.

* the term rate used throughout this document is also meant to include index cap as it may apply to indexed fixed annuities.

Q: What products are included in this program?

A: All deferred annuity products with fixed interest rate options receive a 60-day rate lock. This includes:
SecureOption Focus
SecureOption Select



Q: What contributions will be eligible for the 60-day better of rate lock?

A: Initial and additional contributions from the following transactions are eligible:
Qualified rollover/transfer
Non-qualified 1035 exchange
Non-qualified transfer (utilizing the Non-Qualified Transfer Authorization form)

These transactions are rate lock eligible when our Home Office initiates a transfer/rollover/1035 exchange, or a client initiates a
transfer/rollover, so long as the proceeds are sent directly from the transferring company and are made payable to Minnesota Life
(Securian Life for New York sales).

Q: What contributions and/or transfers from existing Securian Products/Securian Product Divisions are eligible?

A: The program does not include contributions coming from existing Securian individual annuity products (except maturing
SecureOption Acclaim contracts).

The program does include rollovers/transfers and exchanges from other Securian Product Divisions starting a new annuity contract.

Note that if a contract recently purchased is being surrendered, the money will be returned to the client prior to a new contract
being purchased. This may result in adverse tax consequences.

Q: Are cash contributions eligible for rate lock?

A: No, cash contributions are not eligible for the 60-day rate lock. However, as long as the paperwork/application is approved for
suitability by your Broker/Dealer (if applicable) and received in Annuity Services before 3:00 pm Central Time on the day preceding
the rate effective date, the rate will be held for 7 calendar days.

Q: Will faxed applications/paperwork be accepted to start the 60-day better of rate lock?

A: Yes, but keep in mind that the faxed paperwork must be approved for suitability by your broker/dealer (if applicable), and
received in Annuity Services before 3:00 pm Central Time to qualify for that days rate. The paperwork must be received by Annuity
Services prior to the rate effective date.
Page 2 of 2



Please note that the original rollover/transfer/1035 exchange paperwork must still be submitted to the Home Office since most
institutions require original signatures in order to transfer funds. When forwarding the original paperwork, please indicate that
faxed copies were sent previously.

Q: What rate will additional contributions not previously designated receive?

A: Any additional contributions received during that 60-day rate lock period that were not previously designated are not eligible for
the rate lock program and will receive the current crediting rate.

Q: How can I find out about upcoming rate changes?

A: Rate decreases are posted on our advisor website by 12 pm Central Time on the Wednesday preceding the Saturday effective
date of the rate change.

Q: Who can I call if I have questions about the 60-day better of rate lock?

A: For questions regarding any annuity products and sales strategies, call the Securian Retirement Distributors Sales Desk at 1-866-
335-7355 with any questions. For questions regarding new applications or existing contracts, call Annuity Services at 1-800-362-
3141 (1-888-254-1368 in New York). Were committed to providing you with competitive annuity products to provide retirement
income solutions for your clients.


Not all products available in all states and features may vary by state.
An annuity is a long-term, tax deferred investment vehicle designed for retirement. Earnings are taxable as ordinary income when
distributed, and if withdrawn before age 59, may be subject to a 10% federal tax penalty. If the annuity will fund an IRA or other
tax qualified plan, the tax-deferral feature offers no additional value. There are charges and expenses associated with annuities,
such as deferred sales charges for early withdrawals. Variable annuities have additional expenses such as mortality and expense
risk, administrative charges, investment management fees and rider fees. Variable annuities are subject to market fluctuation,
investment risk and loss of principal.
Guarantees are based on the financial strength and claims-paying ability of the issuing company.



For financial professional use only. Not for use with the public. This material may not be reproduced in any form where it
is accessible to the general public.

Products are not federally (FDIC/NCUA) insured -- May lose value --
No financial institution guarantee.

Securian Financial Group, Inc.
www.securian.com

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 admitted insurer. Both companies are headquartered in St. 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. Securities offered through Securian Financial Services, Inc. Member
FINRA/SIPC. 400 Robert Street North, St. Paul, MN 55101-2098

1-800-820-4205
2010 Securian Financial Group, Inc. All rights reserved.


04-70129 09-70172 11-70209 ICC11-70209 ICC11-70216
DOFU 09/12
A02490-0612