It’s time to start thinking about college Using cash value life insurance for college Registered Representative, Securian Financial Services, Inc., Securities Dealer, Member FINRA/SIPC [Registered Branch Office address and phone number] [Firm relationship disclosure].

A This information is a general discussion of the relevant federal tax laws. It is not intended for, nor can it be used by any taxpayer for the purpose of avoiding federal tax penalties. This information is provided to support the promotion or marketing of ideas that may benefit a taxpayer. Taxpayers should seek the advice of their own tax and legal advisors regarding any tax and legal issues applicable to their specific circumstances.

A A College Education Can Pay Off * In 2010 inflation-adjusted dollars Source: U.S. Census Bureau, 2010 American Community Survey

A Four Years of College Could Cost... Source: Annual Survey of Colleges, “Trends in the College Pricing,” The College Board, 2011 Costs include tuition, fees, room, and board. Estimate assumes 5% inflation rate.

A Contribute Early *This illustration was developed using an average annual college cost of $17,131, increasing at 5% each year. This illustration assumes that investments earn an average annual return of 6%, and that monthly investments will stop when the student begins college. This is a hypothetical example for illustrative purposes only, and is not indicative of any particular investment or product. This does not take into account investment fees or expenses. Child's AgeYears until College Public College 4-Year Cost* Monthly Savings 315$146,191$ $114,546$ $89,750$1, $73,837$5,985.70

A Tax-Deferred Growth Your Savings $52,205 $63,495 StartAge 18 This example assumes a beginning balance of $0, investments of $150 per month for 18 years, and a 7% annual rate of return. Taxable results assume a 28% tax bracket, with the earnings on the taxable account taxed annually. Results assume no withdrawals are made during the 18-year period. This is a hypothetical example for illustrative purposes only and is not indicative of any particular investment or guarantee of future performance. This example does not take into fees and expenses associated with this hypothetical funding vehicle. If it did, the growth would be less.

A How will you pay for it? UGMA/UTMA Coverdell Education Savings Account Section 529 savings plans Roth IRAs Life insurance cash values

A What characteristics should it have? Control Flexibility Taxation Financial aid Growth and accumulation Estate planning

A Financial considerations Put a roof over your family’s heads Prepare for the future Provide a lifetime of protection Provide them an education

A What if my child doesn’t go to college?

A Ensure your dreams for your children are possible, should something happen to you.

A How do I get started? 1.Estimate your needs 2.Fund and grow cash value 3.Withdraw and borrow from your policy

A Benefits and considerations BenefitsConsiderations Self-completing plan in the event of premature death Expenses and mortality costs of the policy Few limits on contributionsGrowth of policy not guaranteed beyond contractual minimums Tax-deferred growth in accumulation valueOne of several forms of college savings vehicles Tax-free access to cash value through loans and withdrawals Most appropriate for individuals in good health No restrictions on what constitutes educational expenses Life insurance is purchased first and foremost for the death benefit Can have multiple beneficiariesPolicy loans and withdrawals may create an adverse tax result in the event of a lapse or policy surrender, and will reduce both the cash value and death benefit. Cash values not considered in your assets when applying for financial aid Depending upon actual policy experience, the Owner may need to increase premium payments to keep the policy in force.

A Thank you for joining me today. Life insurance products contain fees, such as mortality and expense charges, and may contain restrictions, such as surrender charges. Securian Financial Group, Inc. Insurance products offered by Minnesota Life Insurance Company, 400 Robert Street North, St. Paul, MN ©2011 Securian Financial Group, Inc. All rights reserved. DOFU A