Securian Financial is one of the most underrated life insurance companies in the country. Most people have never heard of them — but the agents who place high-performance indexed universal life policies know exactly who they are.
Operating through Minnesota Life Insurance Company, Securian has quietly built one of the deepest IUL product lines in the industry. Their Eclipse Accumulator II IUL — launched in February 2025 — is built on the same low-charge, transparent philosophy that separates the best IUL carriers from the ones that just illustrate well. Add in SecureCare, arguably the best hybrid long-term care product on the market, and 24-hour no-exam underwriting, and you have a company that deserves far more attention than it gets.
Below is our full breakdown: updated 2026 financials, a deep dive into their IUL products and the SecureCare IV hybrid LTC policy, an honest look at where Securian shines and where other carriers are stronger, and how they compare to the competition on the metrics that actually matter for long-term policy performance.
TL;DR — Securian (Minnesota Life) at a Glance
- A+ (Superior) from A.M. Best — Comdex score of 96 (top 4% of all rated insurers)
- $1.8 trillion of insurance in force — 7th largest life insurer in the U.S.
- $8.1 billion operating revenue (2024), up ~10% year-over-year; GAAP net income $283M (+25%)
- Eclipse Accumulator II IUL — low-charge chassis, 5 indexed accounts, max illustrated rate 6.59%, account value bonus starting year 11
- SecureCare IV — best-in-class hybrid LTC with cash indemnity benefits, 100% international coverage, retroactive elimination period payout
- Participating whole life with dividend history (rate not publicly disclosed)
- WriteFit underwriting — 24-hour IUL approval, no medical exam, up to $2M coverage
- Key consideration: practices direct recognition with 5% loan interest rate
Bottom Line: Securian’s IUL products and hybrid long-term care policy are among the best in the industry. Their whole life is solid but secondary to the story. If you need versatility beyond standard whole life — especially if long-term care planning is on your radar — Securian belongs on your short list.
Why Trust This Guide
Insurance & Estates is the highest-rated independent life insurance agency on Trustpilot. With over 20 years of combined experience in financial services, life insurance, and estate planning, we work directly with carriers like Securian/Minnesota Life — not as affiliates pushing one product, but as independent agents with access to dozens of top-rated carriers. We run illustrations, compare chassis designs, and recommend carriers based on how they actually perform — not how they advertise. This review reflects our direct experience placing policies with Securian and analyzing their products against the competition.
Table of Contents
- About Securian Financial & Minnesota Life
- Financial Strength & Ratings
- Indexed Universal Life (IUL) — The Main Event
- Eclipse Accumulator II: Deep Dive
- SecureCare IV: Hybrid Long-Term Care
- Other Products (Whole Life, Term, VUL)
- Securian vs. the Competition
- Who Securian Is Best For
- Frequently Asked Questions
About Securian Financial & Minnesota Life
Minnesota Life Insurance Company was founded in 1880 as the Bankers Association of Minnesota — the first life insurance company in the state. It later reorganized as Minnesota Mutual Life Insurance Company before adopting its current name in 1998. Securian Financial is the marketing brand for the parent company, Securian Financial Group, Inc.
Minnesota Life is available in all 49 states except New York. New York residents can access the same product lineup through Securian Life Insurance Company, a New York-authorized insurer.
| Company Snapshot (2024) | |
|---|---|
| Founded | 1880 (145 years) |
| Insurance in Force | $1.8 trillion (7th largest U.S. life insurer) |
| Operating Revenue | $8.1 billion (+10% YoY) |
| GAAP Net Income | $283 million (+25% YoY) |
| Core Earnings | $260 million (+46% YoY) |
| Capital & Surplus (Minnesota Life) | $3.3 billion |
| Insurance Sales (2024) | $731 million (+10% YoY) |
| Retirement Product Sales | $2.1 billion (+9% YoY) |
| Customers | 23+ million across North America |
| Policyholders Benefits Paid (2024) | $5.5 billion |
| Structure | Mutual holding company (Minnesota Mutual Companies, Inc.) |
Is Minnesota Life still a mutual company? This is a common question with a nuanced answer. Minnesota Mutual Companies, Inc. is the mutual holding company that is the ultimate parent of Minnesota Life. Minnesota Life itself is technically a stock subsidiary — but it’s not publicly traded, and no stock has been issued to management or directors. The company functions as a mutual in practice, and its flagship whole life policy is a participating policy that pays annual dividends. For a deeper look at why this distinction matters, see our guide on mutual vs. stock insurance companies.
Financial Strength & Ratings
Securian earns top-tier ratings across every major agency:
| Rating Agency | Rating | Rank |
|---|---|---|
| A.M. Best | A+ (Superior) | 2nd highest of 15 ratings |
| Fitch | AA (Very Strong) | 3rd highest of 19 ratings |
| Moody’s | Aa3 (Excellent) | 4th highest of 21 ratings |
| Standard & Poor’s | AA- (Very Strong) | 4th highest of 21 ratings |
| Comdex | 96 out of 100 | Top 4% of all rated insurers |
A.M. Best also recognized Minnesota Life with their “Standing the Test of Time” award for maintaining an A or higher credit rating for 75 consecutive years. Moody’s specifically cited Securian’s “high-quality bond portfolio, outstanding capitalization — strong even under a stress scenario — and well-managed diversified distribution channels” as drivers of their Aa3 rating.
For context on how these ratings compare across the industry, see our complete guide to the highest rated insurance companies.
Key Takeaway
Securian’s A+ from A.M. Best is one notch below the A++ earned by Guardian, MassMutual, and Northwestern Mutual — but their Comdex score of 96 puts them in the top 4% of all rated insurers. More importantly, the trajectory tells the story: operating revenue up 10%, core earnings up 46%, insurance in force up 7%, and $5.5 billion paid to policyholders in 2024 alone. This is a company firing on all cylinders. J.D. Power ranked them #17 of 22 in customer satisfaction — not a standout metric, but the financial professionals who actually work with Securian’s products tend to rate them much higher than the general consumer surveys reflect.
Indexed Universal Life (IUL) — The Main Event
This is where Securian earns its reputation among agents and advisors. While most consumers have never heard of them, Securian is one of our top 3 IUL carriers for 2026 — and the IUL product line is the primary reason.
Securian’s IUL philosophy mirrors what we look for in every carrier: low internal charges, transparent design, and diverse crediting options. An IUL with flashy illustrated rates but high internal costs is like a mutual fund with a 2% expense ratio — the drag compounds over 20-30 years, and by the time you realize the damage, it’s too late to fix it. Securian builds their products the other way: keep charges low so more of your premium goes toward growing cash value, and let the index crediting do the heavy lifting.
The current IUL lineup includes:
| Product | Focus | Key Feature |
|---|---|---|
| Eclipse Accumulator II IUL | Cash value accumulation | Flagship — lowest charges, 5 indexed accounts, year 11 bonus |
| Eclipse Protector II IUL | Death benefit protection | No Lapse Guarantee up to age 120 |
| Eclipse Survivor II IUL | Survivorship / estate planning | Second-to-die, couples pricing |
| Orion IUL | Flexible accumulation | WriteFit no-exam underwriting, Income Protection Flex rider |
For most clients focused on wealth building through cash value, the Eclipse Accumulator II is the product to evaluate. Let’s break it down.
Eclipse Accumulator II IUL: Deep Dive
Launched in February 2025, the Eclipse Accumulator II replaced the original Eclipse Accumulator with two new indexed accounts, a year-11 account value bonus, and the same low-charge foundation that made the original competitive. As of February 2026, it’s available in all states except New York (use Securian Life for NY). It recently became available in California as of February 9, 2026.
Five Indexed Account Options
This is where Securian differentiates from carriers that offer only S&P 500 options. The Eclipse Accumulator II gives you five distinct crediting strategies — each designed for a different risk/return profile:
| Indexed Account | How It Works | Cap / Participation |
|---|---|---|
| S&P 500 (Capped) | Traditional point-to-point, 100% participation, capped upside | Cap rate applies; 0% floor |
| S&P 500 Low Volatility (Uncapped) | Tracks S&P 500 Low Volatility Index for smoother returns | Uncapped; participation rate (65% guaranteed min) |
| S&P PRISM (Uncapped) | Proprietary multi-factor index designed for volatility-managed growth | Uncapped; 215% current participation rate |
| Hindsight (NEW) | Blends S&P 500, Nasdaq 100, and Russell 2000 — weighted 60/40/0 by performance (best index gets 60%, second gets 40%, worst gets 0%) | Capped; performance-weighted |
| Performance Trigger (NEW) | If S&P 500 is positive for the segment, you earn the trigger rate. If 0% or negative, you earn 0%. | Binary: trigger rate or 0% |
Why the Hindsight Account Matters
The Hindsight indexed account is a genuinely clever design. Instead of committing your money to a single index, it looks backward at the end of each segment and weights your crediting based on which index actually performed best: 60% to the top performer, 40% to the second, and 0% to the worst. You get diversified exposure across large-cap (S&P 500), tech-heavy (Nasdaq 100), and small-cap (Russell 2000) — without having to guess which one will outperform in any given year.
This is particularly valuable in environments where sector rotation is unpredictable. In 2024, the Nasdaq significantly outperformed the Russell 2000. In other years, small caps lead. The Hindsight account captures the winner automatically.
Why Low Charges Matter More Than Cap Rates
Here’s what most IUL reviews get wrong: they compare cap rates and participation rates as if those are the only variables. But the internal charge structure of an IUL policy is at least as important — especially in years where the index credits 0%.
Think of it like an index fund. Two funds can track the same index, but if one charges 0.10% and the other charges 1.50%, the results over 20-30 years are dramatically different. The same principle applies to IUL policies. In a 0% crediting year, a low-charge chassis loses less cash value than a high-charge chassis — and that difference compounds over every year of the policy.
Securian explicitly designs for this. Their own marketing says they “went back to basics” with transparent charges and low fees so more premium goes toward cash value growth. That’s the same philosophy we see in Mutual of Omaha’s Income Advantage IUL — and it’s why both carriers are in our top 3.
Insider Insight: Stress Testing
We stress test every IUL we recommend. That means running illustrations at 4-5% average returns — not the maximum illustrated rate — to see how the policy performs under adverse conditions. Carriers with high internal charges (like some Allianz and Pacific Life products) can look fantastic at 6%+ but crash and burn at lower returns because the charges eat through the cash value. Securian’s low-charge chassis holds up under stress testing, which is why it makes our short list. For more on this approach, see our complete IUL guide.
Additional Eclipse Accumulator II Features
- Account Value Bonus: Starting in year 11, an additional crediting bonus enhances long-term cash value growth — a reward for policyholders who stay the course
- Fixed Account: Minimum 2% guaranteed rate for conservative allocation
- Max Illustrated Rate: 6.59% (based on January 2025 benchmarking data)
- 0% Floor: Your cash value never goes backward due to market losses — all indexed accounts guarantee a minimum of 0% (some accounts offer a 1% minimum)
- 2% Lifetime Guarantee: Total interest credited over the life of the policy is guaranteed to be no less than 2.00% effective annual rate
- WriteFit Underwriting: No medical exam, no blood tests — phone interview only. Healthy applicants ages 0-54 can be approved within 24 hours for coverage up to $2 million
- Chronic Illness Access: Accelerated death benefit agreement available for chronic illness, providing access to the death benefit if you become chronically ill
For a deeper understanding of how IUL crediting strategies, cap rates, and participation rates work, see our IUL pros and cons article and our complete IUL guide.
SecureCare IV: Hybrid Long-Term Care Insurance
SecureCare is arguably Securian’s most distinctive product — and it’s one of the strongest hybrid LTC policies available from any carrier at any price. The latest version, SecureCare IV, launched in January 2026 with meaningful upgrades over SecureCare III.
What Makes SecureCare Different
Most hybrid LTC policies use a reimbursement model — you pay for care out of pocket, submit receipts, and wait for the insurance company to reimburse you. SecureCare uses a cash indemnity model instead. Once you qualify for benefits, you receive the full monthly cash benefit directly. No receipts, no approval process for each expense, no restrictions on how you use the money.
This is a bigger deal than it sounds. When someone is dealing with a chronic illness or cognitive decline, the last thing their family needs is a monthly paperwork battle with an insurance company. Cash indemnity eliminates that entirely. You can use the benefit for formal nursing care, home health aides, adult day care, informal care from a family member, or anything else — including paying a family caregiver directly.
SecureCare IV: What’s New
| Feature | SecureCare III | SecureCare IV (2026) |
|---|---|---|
| Elimination Period Payout | Benefits begin after 90-day elimination | Retroactive: lump sum = 4 months (90-day refund + 1st month forward) paid on day 91 |
| International Benefits | Limited | 100% of full monthly LTC benefit available abroad |
| Premium Options | Single, 5, 7, 10, 15-Pay | Added 20-Pay option |
| Death Benefit Guarantee | Standard guarantee | Guaranteed = at least total premiums paid |
| Early Need Support | N/A | Up to $5,000 home mods + $1,000 caregiver training during elimination period |
| Return of Premium | 3 ROP options (LTC Boost, 75%, Vesting) | 3 ROP options maintained |
| Policy Chassis | Nonparticipating whole life | Nonparticipating whole life |
Core SecureCare IV Features
- Cash indemnity benefit: Full monthly benefit paid in cash — no receipts, no reimbursement hassle
- Benefit periods: 2-8 years (base acceleration 2-3 years + extension of 2-4 years)
- Informal care: Benefits can be used for care from family and friends — not just licensed facilities
- Inflation protection: 3% simple, 3% compound, 5% simple, or 5% compound — benefits continue to grow even while on claim
- Premiums guaranteed: Can never increase; multiple payment options from single-pay through 20-pay
- Benefit trigger: Unable to perform 2 of 6 Activities of Daily Living for 90+ days, or severe cognitive impairment requiring substantial supervision
- Face amount range: $50,000 to $500,000
- 1035 exchange eligible: Convert a taxable investment (e.g., old whole life or annuity) into tax-free LTC benefits
- Simplified issue underwriting: Couples discount available — only one needs to apply
Why SecureCare Stands Out
The retroactive elimination period payout in SecureCare IV is a game-changer. With most hybrid LTC policies, you absorb the first 90 days of care costs out of pocket while waiting for benefits to kick in. SecureCare IV reimburses you for those 90 days retroactively — on day 91, you receive a lump sum covering the elimination period plus your first month going forward. If your monthly benefit is $10,000, that’s a $40,000 check on day 91. Combined with the $5,000 home modification benefit and $1,000 caregiver training benefit available during the elimination period, Securian is covering the gap that most hybrid LTC policies leave wide open. For a broader comparison of hybrid LTC options, see our guide to the best long-term care insurance companies.
Other Securian Life Insurance Products
Whole Life Insurance
Securian offers two whole life products: Secure Accumulator (cash value growth) and Secure Protector (death benefit protection). Both are participating policies that pay annual dividends, with payment options including single premium, limited pay (10-Pay, 20-Pay), and whole life to age 100. Dividends can purchase paid-up additions, reduce premiums, accumulate at interest, or be taken as cash.
Securian does not publicly disclose its dividend rate, which makes comparison with carriers like Guardian (6.25%) or MassMutual (6.60%) difficult without running an actual illustration. The company also practices direct recognition with a 5% policy loan interest rate — which is competitive but relevant if you plan to borrow heavily against your policy for strategies like infinite banking or volume-based banking. For pure whole life and IBC strategies, carriers with non-direct recognition and transparent dividend rates — like those on our top 10 best dividend-paying whole life companies list — are typically stronger choices. For a full comparison of Securian’s dividend history, see our dividend rate history chart.
Term Life Insurance
Securian’s Advantage Elite Select term product is available in 5, 10, 15, 20, and 30-year terms. The standout isn’t the term policy itself — it’s the conversion options. The Extended Conversion Agreement extends the conversion window to the full duration of the term or age 75, far more generous than the 5-year window many carriers offer. The Chronic Illness Conversion Agreement (CICA) guarantees conversion to a permanent policy with chronic illness benefits, without proof of insurability, for face amounts $250K-$5M (ages 16-60). If you’re starting with affordable term life insurance and know you’ll want permanent coverage later, Securian’s conversion flexibility is among the best in the industry. For more on this approach, see our guide to convertible term life insurance.
Variable Universal Life (VUL)
Securian also offers VUL through their Eclipse series for clients who want direct market exposure with the highest potential returns — and the highest risk. If you’re considering VUL, see our VUL vs. IUL comparison for a detailed breakdown of the tradeoffs.
Securian vs. the Competition
Here’s how Securian stacks up against our other top IUL picks on the metrics that matter most:
| Metric | Securian | Mutual of Omaha | Nationwide |
|---|---|---|---|
| A.M. Best | A+ (Superior) | A+ (Superior) | A+ (Superior) |
| Comdex | 96 | 87 | 89 |
| IUL Charge Structure | Low | Lowest | Moderate |
| Index Options Diversity | 5 (including Hindsight & PRISM) | 3 (S&P 500, BofA Agility, Fixed) | Multiple (Volatility Control focus) |
| Max Illustrated Rate | 6.59% | 6.33% | Varies by account |
| Hybrid LTC Product | SecureCare IV (best-in-class) | Chronic Illness rider only | CareMatters (reimbursement) |
| No-Exam Underwriting | WriteFit — up to $2M | Available for qualifying applicants | Available |
| Participating Whole Life | Yes (rate undisclosed) | No (non-participating) | No |
| J.D. Power Ranking (2025) | #17 of 22 | #1 of 22 | Not ranked individually |
How to Think About These Three Carriers
Mutual of Omaha wins on simplicity and lowest charges — their Income Advantage IUL is the cleanest chassis in the market. Choose MOO if minimizing internal costs is your top priority. Securian wins on index diversity and the SecureCare hybrid LTC — the Hindsight and PRISM accounts give you crediting strategies nobody else offers, and SecureCare IV is in a league of its own. Choose Securian if you want more sophisticated index options or need a combined IUL + LTC solution. Nationwide wins on Volatility Control indexes — their proprietary strategies are designed for smoother returns in turbulent markets. Choose Nationwide if smoothing out volatility matters more than maximizing upside potential. All three have low enough charges to survive stress testing. That’s the baseline — everything else is matching the right product to your specific goals. For our full analysis, see the best IUL companies for 2026.
Who Securian Is Best For
| ✓ Securian Is a Strong Fit If You… | ✗ Consider Other Carriers If You… |
|---|---|
| Need hybrid long-term care + life insurance (SecureCare IV is best-in-class) | Want maximum whole life dividends with transparent rate comparisons |
| Want a low-charge IUL with diverse index options beyond S&P 500 | Are focused purely on infinite banking with non-direct recognition |
| Need fast underwriting (WriteFit — 24hr no-exam approval up to $2M) | Prefer an online-first experience for quotes and applications |
| Want generous term-to-permanent conversion (Extended Conversion + CICA) | Need the absolute lowest IUL charges (Mutual of Omaha edges Securian here) |
| Need survivorship/estate planning through Eclipse Survivor II | Prioritize J.D. Power customer satisfaction scores (#17 of 22) |
| Value financial strength (Comdex 96, $1.8T in force, 145-year track record) | Need coverage in New York from the primary carrier (use Securian Life instead) |
Already Thinking Beyond Basic Coverage?
If you’re evaluating Securian for cash value accumulation, tax-free retirement income, or long-term care planning, you’re past the “do I need life insurance” stage. Here’s where to go deeper: 7702 Plan Explained | LIRP Strategy | Overfunded Life Insurance | Accessing Cash Value | Life Insurance for Real Estate | Executive Bonus Plans | Survivorship Life Insurance
Frequently Asked Questions About Securian (Minnesota Life)
Is Securian the same company as Minnesota Life?
Yes. Securian Financial is the marketing brand for the parent company, Securian Financial Group, Inc. Life insurance policies are issued by Minnesota Life Insurance Company in all states except New York, where they’re issued by Securian Life Insurance Company. The 2018 rebranding was a name change only — policies, ratings, and company operations remained identical.
Is Minnesota Life a mutual insurance company?
It’s a nuanced structure. Minnesota Mutual Companies, Inc. is the mutual holding company that is the ultimate parent of Minnesota Life. Minnesota Life itself is technically a stock subsidiary — but it’s not publicly traded. Their flagship whole life policy is a participating policy that pays dividends, which is what matters most for policyholders. For more on why this distinction matters, see our guide on mutual vs. stock insurance companies.
What is Securian’s whole life dividend rate?
Securian does not publicly disclose its dividend interest rate. The only reliable way to compare is by running actual illustrations and looking at projected cash value growth over time. Companies like MassMutual (6.60%), Guardian (6.25%), and Penn Mutual (6.00%) publish their rates, making direct comparison easier. For a full comparison, see our dividend rate history chart.
How does the Eclipse Accumulator II IUL compare to Mutual of Omaha’s Income Advantage?
Both are low-charge IUL products designed for cash value accumulation — and both make our top 3 list. Mutual of Omaha has the edge on simplicity and the absolute lowest internal charges. Securian’s Eclipse Accumulator II wins on index diversity (5 accounts vs. 3), the Hindsight index, the S&P PRISM uncapped account, and the year-11 account value bonus. The right choice depends on whether you prioritize simplicity (MOO) or more sophisticated crediting strategies (Securian).
What is SecureCare and is it worth it?
SecureCare IV is a hybrid whole life / long-term care policy that pays cash indemnity benefits — meaning you receive cash directly rather than filing for reimbursement. It’s one of the strongest hybrid LTC products available. The 2026 version adds retroactive elimination period payouts, 100% international benefits, and early-need support during the waiting period. If long-term care planning is a priority and you want a product that guarantees you’ll use your premium dollars — either as LTC benefits, a death benefit, or a return of premium — SecureCare IV is on the short list. See our best long-term care insurance companies guide for a broader comparison.
Does Securian practice direct recognition on policy loans?
Yes. Minnesota Life practices direct recognition with a 5% policy loan interest rate. This means dividends are adjusted on the portion of cash value with an outstanding loan. The 5% rate is lower than Guardian’s 8% for the first 25 years, but if your primary strategy involves heavy policy loan activity — such as infinite banking or volume-based banking — non-direct recognition carriers are generally stronger choices for that specific use case.
What is WriteFit underwriting?
WriteFit is Securian’s accelerated underwriting program. Instead of a medical exam and blood tests, qualifying applicants complete a phone interview. Healthy applicants ages 0-54 can be approved within 24 hours for IUL coverage up to $2 million. This is significantly higher than most carriers’ no-exam limits, making it one of the fastest paths to substantial permanent life insurance coverage in the market.
Is Securian good for infinite banking?
Securian’s whole life is a participating policy and technically works for infinite banking, but it’s not where the company is strongest. The undisclosed dividend rate makes comparison difficult, and direct recognition means your dividends are adjusted when you borrow. For dedicated IBC strategies, carriers with transparent dividends and non-direct recognition — like those on our top 10 best infinite banking companies list — are typically better fits. Where Securian truly excels is IUL and hybrid LTC.
Can I convert my Securian term policy to permanent insurance?
Yes, and Securian’s conversion options are among the most generous in the industry. The Extended Conversion Agreement allows conversion to the full duration of the term or age 75 — far exceeding the typical 5-year conversion window. The Chronic Illness Conversion Agreement (CICA) guarantees conversion to a permanent policy that includes chronic illness benefits, without proof of insurability, for face amounts $250K-$5M. See our guide to the best convertible term life insurance companies for a full comparison.
How financially strong is Securian?
Exceptionally strong. Securian’s Comdex score of 96 puts them in the top 4% of all rated insurance companies. They hold an A+ from A.M. Best (75 consecutive years at A or higher), AA from Fitch, Aa3 from Moody’s, and AA- from S&P. With $1.8 trillion of insurance in force, $8.1 billion in operating revenue, and $3.3 billion in capital and surplus at Minnesota Life, there is virtually zero risk of them being unable to pay claims. See our highest rated insurance companies guide for how Securian compares.
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9 comments
Aaron Huber
Looking for iul for my daughter.
Insurance&Estates
Hi Aaron, and thanks for connecting. If you haven’t already, go ahead and email our IUL expert Jason Herring at jason@insuranceandestates.com to request a 1-1 phone consultation.
Best, Steve Gibbs for I&E
Steven Gibbs is a licensed insurance agent, and the following agent
license numbers of Steven Gibbs are provided as required by state law:
Resident License; AZ agent #17508301,
Non-resident Licenses: TX agent #2273189, CA agent #0K10610,
LA agent #769583, MA agent #2049963, MN agent #40563357,
UT agent #655544.
Joanthan Killian
Please have agent contact me about purchasing a UIL for my wife. Cell is 818-903-4625
Insurance&Estates
Hello and thanks for your inquiry. Our IUL expert is Jason Herring and we have forwarded your information to him. You may also connect with him by e-mail at Jason@insuranceandestates.com.
Best,
I&E Pro Team
Michael Gonzales
Can you please send me a March 2019 Current Rates spreadsheet for the carriers you’ve reviewed and their IUL products? Specifically the Cap Rates and Guaranteed Minimums for Inflation. I am a broker and am considering contracting with your Top named carriers. Great work! You guys really did your due diligence. Much appreciated! Especially for a broker wanting nothing but the best for his clients.
Frank Baumgartner
Michael,
If you get that list you’re looking for please forward it to me. I too am a Insurance Agent trying to help my clients to the best of my knowledge and ability.
Frank
Insurance&Estates
Hello Frank, it’s nice to hear from agents as one of our goals is to support the community of experts and industry in general. If you’d like data, I suggest you connect with Jason Herring by e-mail: jason@insuranceandestates.com as he manages and trains our agents and may offer you some great insights.
Best,
Steve Gibbs for I&E.
Vickie Bodell
My husband just passed away a few weeks ago….I have been on hold, and passed around to several phone numbers trying to file for just a 2k insurance benefits today. Has not been a good experience.
Now I have been told that just a file was started, and to wait another 10 days………wow.
I need this money to make my bills………… PLEASE help me “senior trying make it”
vickie……….call me don’t use email.
Insurance&Estates
Vickie, we are sorry to hear of the difficulty you’re experiencing. People sometimes get confused and think that we are the insurance company featured in a particular article. That being the case, there really isn’t much we can do to help you access current policy proceeds to to privacy laws, etc. A couple of suggestions are to try to reconnect with your agent who set up the policy and if that isn’t possible, you’ll need to make sure you’re contacting the company customer service department directly.
Best to you.
Steve Gibbs