Securian Financial Group SECUREOPTION FIXED ANNUITIES …

1 Securian Financial GroupPage 1 of 2moreSECUREOPTION FIXED ANNUITIESRate announcement IncreaseAnnuities are issued by Minnesota Life in all states except NY. In NY, ANNUITIES are issued by Securian as of November 14, 2015 rates in green indicate change from previous rateSecureOption Focus a limited payment FIXED annuityGuaranteePeriodRateBandBaseRate1s t Year RateEnhancement1st YearRateEffective Yield OverGuarantee PeriodProduct Highlights1 year<$35, in all states except: CAInitial minimum purchasepayment: $10,000 Maximum: $1 millionDeferred Sales Charge: 7 years7%, 7%, 7%, 6%, 5%, 4%, 3%Following initial guarantee period,funds earn annual renewal rate$35,000-$99, $100,000+ year<$35, $35,000-$99, $100,000+ year<$35, $35,000-$99, $100,000+ year<$35, $35,000-$99, $100,000+ Guaranteed Interest Rate is Select a single payment FIXED annuity with Market Value AdjustmentGuaranteePeriodRateBandInteres tRateEffective Yield OverGuarantee PeriodProduct Highlights5 year<$100, in all states except: NY, WAVariable license required inAL, AR, CA, CT, IN, MI, MN, MO, NJ, WIInitial minimum purchase payment: $5,000 Maximum: $2 millionDeferred Sales Charge.

2 9 years9%, 9%, 8%, 7%, 6%, 5%, 4%, 3%, 2%Following initial guarantee period, funds renew into sameguarantee period unless instructed otherwise (at thencurrent rate) in FL$100,000+ year<$100, $100,000+ year<$100, $100,000+ Guaranteed Interest Rate is Financial professional use only. Not for use with the public. This material may not be reproduced in any form where it is accessible tothe general Financial Group , 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, aNew York authorized insurer.

3 Both companies are headquartered in St. Paul, MN. Product availability and features may vary by state. Each insurer is solely responsible for thefinancial obligations under the policies or contracts it issues. 400 Robert Street North, St. Paul, MN 55101-2098 1-855-651-3500 2014 Securian Financial Group , Inc. All rights 09-70172 11-70209 ICC11-70209 ICC11-70216F75315 10-2014 DOFU 10-2014A05026-0914 Page 2 of 2 Interest Rate Posting InformationUnder normal market conditions, interest rate decreases will be posted by 12:00 CT the Wednesdaypreceding the Saturday effective date. Business must be approved for suitability by your broker-dealer (ifapplicable) and received in Securian Annuity Services by 3:00 CT Friday to receive the rate currently ineffect.

4 Interest rate increases will be posted on the Monday following the Saturday effective date. We reserve theright to change current new money rates without notice based on market conditions. Applications/funds must bereceived the business day prior to the effective date to receive the previous interest rate in Rate Lock ProgramSecurian offers a 60-day rate lock program on non-qualified 1035 Exchange and Qualified Rollover contributionsinto guaranteed interest account options. For complete rules and information, please contact our Sales Desk orvisit our advisor up-to-date state approvals, interest rates and productinformation, visit our advisor website at or callour Sales Desk at a Deposit Not FDIC Insured Not Insured By Any Federal Government AgencyNot Guaranteed By Any Bank of Credit Union May Go Down In ValueAccess thelatest all products approved in all states, and features may vary by annuity is intended to be a long-term, tax-deferred retirement vehicle.

5 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-qualifiedplan, the tax deferral feature offers no additional value. Qualified distributions from a Roth IRA are generally excluded from grossincome, but taxes and penalties may apply to non-qualified distributions. Please consult a tax advisor for specific information. Thereare charges and expenses associated with ANNUITIES , such as deferred sales charges for early withdrawals. Guarantees are subject tothe Financial strength and claims-paying ability of the issuing company.