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Orion IUL

Orion IUL

Securian's newest product, Orion Indexed Universal Life offers:

  • The potential for faster coverage and compensation
  • New indexed account options, including uncapped crediting¹
  • An array of digital enhancements
  • Short-term, interest-free policy loans²

 

Watch an onDemand Webinar Now   State Approval Chart  

 

 

Client Materials

Orion IUL - Consumer Brochure   Orion IUL - Illustration Request

 

Producer Materials

Orion IUL Product Highlights   Orion IUL - Advisor Guide

 

 

Please note the following transition rules:

Paper applications*

  • If Part 1 or Part 3 of an application is received in the Minnesota Life home office prior to Monday, February 20, 2017, you will be allowed to change your product to Orion without regard to Orion issuance restrictions.**
  • If Part 1 or Part 3 of an application is received in the Minnesota Life home office on or after Monday, February 20, 2017, you will have to meet the product issuance requirements. (i.e., eApp only for $250,000 face amounts and under) to be placed as an Orion case.

eApps*

  • Any eApp sent for client signatures prior to Monday, February 20, 2017, will be allowed to change their product decision to Orion without regard to Orion issuance restrictions.**
  • Any eApp sent for signatures on or after Monday, February 20, 2017, will have to meet the product issuance requirements (i.e., eApp only for $250,000 face amounts and under) to be placed as an Orion case.
  • Watch the eApp Tutuorial below.

eApp Frequently Asked Questions

 

WriteFit Underwriting

WriteFit is a holistic approach to underwriting. We’re able to quickly review a variety of publicly-available data and eliminate exam and lab requirement for your healthiest clients. For face amounts from $50,000 - $250,000 client automatically receives WriteFit underwriting (Standard, Preferred and Preferred Select classes). Face amounts above $250,001 the client can choose Write Fit or traditional underwriting.

WriteFit Frequently Asked Questions

 

 

Express Issue

Express Issue is a fast and efficient way to get your clients the protection they need. Some contracts will be issued within 48 hours of the tele-interview.

Express Issue - Get the Facts

 

ePolicy Access Program

Securian’s ePolicy Access program allows advisors to electronically access a client’s newly-issued policy pages. For eligible policies, advisors will receive an email that includes a link to a PDF copy of their client’s full policy.  

Please note:

  • The emailed policy packet may not be forwarded via email to a client.

  • Advisor can print and deliver or use Docusign.

  • Please see pilot guide for eligible policies.

How to Request ePolicy Access:

  • PaperApplications
    • In the cover sheet
      • Section O – Additional Remarks o E-App
      • In remarks or Special Instructions
  • eApp
    • If e Policy is requested a hard copy policy will not be mailed out.

ePolicy Access Program




 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

*Please note: We cannot backdate the issue date of a policy prior to February 20, 2017.

**If the underwriting decision for policies in transition is substandard, Orion will not be available for policies under $250,000.

¹Uncapped indexed account participation rates are subject to change and may be less than 100%. This could have the impact of the indexed account credit being less than the change in the reference index.


²The short-term loan provision provides for interest waiver if the loan is paid in full within 90 days of the date the loan was taken. In the event you do not repay the loan in full within 90 days, interest and other policy loan provisions will apply as of the date the loan was taken. Additional restrictions may apply.


These materials are for informational and educational purposes and are not designed, or intended, to be applicable to any person's individual circumstances. It should not be considered as investment advice, nor does it constitute a recommendation that anyone engage in (or refrain from) a particular course of action. Securian Financial Group, and its affiliates, have a financial interest in the sale of their products.


Life insurance products contain fees, such as mortality and expense charges (which may increase over time), and may contain restrictions, such as surrender periods.
This information should not be considered as tax or legal advice. Clients should consult their tax or legal advisor regarding their own tax or legal situation.


Please keep in mind that the primary reason to purchase a life insurance product is the death benefit.


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

Securian Financial Group, Inc.
400 Robert Street North, St. Paul, MN 55101-2098
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 authorized insurer. Minnesota Life is not an authorized New York insurer and does not do insurance business in New York. 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.

©2017 Securian Financial Group, Inc. All rights reserved.
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