Securian Financial Enhances Its Flagship Indexed Universal Life Insurance Product
Eclipse Accumulator II IUL, an accumulation-focused product issued by
“Eclipse Accumulator II IUL builds on our foundation and long history of leadership and innovation in the IUL marketplace,” said
Product highlights include:
Two New Indexed Account Options
- Hindsight Indexed Account1 (S&P 500®, Nasdaq 100®, Russel 2000®), with a 60/40/0 split, weighted on performance
- Performance Trigger Indexed Account2 (S&P 500®)
- Max illustrated rate as high as 6.59%
- Eclipse Accumulator II IUL continues to offer the following indexed accounts that were available with its predecessor product:
- S&P 500®
- S&P 500® Low Volatility
- S&P PRISMSM
Competitive Distributions
- Especially for clients ages 45 and younger and standard or better underwriting classes3
- Competitive account value bonus in years 11+
Low charges, High Value
- Charges remain low to ensure more client premium goes to growing their policy’s cash value—providing them with the potential for greater long-term value and more consistent performance during times of market volatility
Simple, Transparent Design
- Like its predecessor, Eclipse Accumulator II IUL’s clear features and straightforward design allow clients to feel confident and in control of their financial future
Eclipse Accumulator II IUL is available for sale in all states except
Financial professionals interested in learning more can contact Securian Financial’s sales team.
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To be confident in your financial future, you need to trust the strength and commitment of the companies you choose to work with. For more than 140 years, the
1. The Hindsight index is made up of the following indices: S&P 500®; Nasdaq 100®; Russell 2000®. Each index within the hindsight account is weighted based on performance (60 percent of the highest performing index; 40 percent from the second highest; and 0 percent from the third). The weight is used when calculating the return of the index and amount credited to the policy, and is subject to a cap.
2. If the index growth rate for a performance trigger account is positive, the segment growth rate will be equal to the trigger rate. If the index growth rate is 0.00% or less, the segment growth rate will be 0.00%.
3. Source: All illustration and benchmarking data provided by
Depending upon actual policy experience, the Owner may need to increase premium payments to keep the policy in force.
The Indexed Universal Life Series is designed first and foremost to provide life insurance protection. While the indexed crediting options are attractive for cash accumulation, the product should always be promoted to first meet the death benefit needs of families and businesses with cash accumulation as a secondary benefit.
Life insurance products contain charges, such as Cost of Insurance Charge, Cash Extra Charge, and Additional Agreements Charge (which we refer to as mortality charges), and Premium Charge, Monthly Policy Charge, Policy Issue Charge, Transaction Charge, Index Segment Charge, and Surrender Charge (which we refer to as expense charges). These charges may increase over time, and this policy may contain restrictions, such as surrender periods. Policyholders could lose money in this product.
The “S&P 500 Index”, "S&P PRISM Index" and "S&P 500 Low Volatility Index" are products of
Nasdaq®, Nasdaq-100 Index®; Nasdaq-100®l NDX®, are registered trademarks of Nasdaq, Inc. (which with its affiliates is referred to as the “Corporations”) and are licensed for use by
Policy loans and withdrawals may create an adverse tax result in the event of lapse or policy surrender and will reduce both the surrender value and death benefit. Withdrawals may be subject to taxation within the first fifteen years of the contract. You should consult your tax advisor when considering taking a policy loan or withdrawal.
Index crediting bonus is not available in the state of
Insurance products are issued by
This is a general communication for informational and educational purposes. The information is not designed, or intended, to be applicable to any person’s individual circumstances. It should not be considered investment advice, nor does it constitute a recommendation that anyone engage in (or refrain from) a particular course of action. If you are seeking investment advice or recommendations, please contact your financial professional.
Policy form numbers: ICC19-20204, 19-20204 and any state variations; 15-20024 and any state variations.
Not a deposit — Not FDIC/NCUA insured — Not insured by any federal government agency — Not guaranteed by any bank or credit union — May go down in value.
DOFU 2-2025
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