Built on what works, enhanced where it counts

With SecureCare™ IV, our newest long-term care (LTC) and nonparticipating whole life insurance policy, we didn’t start over to stand out.

We built on the SecureCare you know, enhancing it with industry-leading early claim support¹ and new flexibility to strengthen every client conversation.

SecureCare IV launches January 26 in all states except CA, CT, DE, IN, MT, ND, NJ, NY, SC, and SD.

Here’s what you can expect:

• Unmatched support in the early months of a claim¹: LTC benefits paid retroactively for the 90-day elimination period PLUS access to some benefits during the elimination period²
• Global flexibility: If a client goes on claim while living abroad, they can receive 100% of their full monthly maximum LTC benefit
• Premium protection: If a client dies before needing care, their death benefit is guaranteed to be at least equal to the premiums they paid
• New premium duration: A new 20-pay premium option

Important dates and transition rules

Key dates

• Tuesday, January 20, 2026: Illustration software quoting will be updated to include SecureCare IV.
• Friday, January 23, 2026: Applications for SecureCare III must be signed, in good order and received by Securian Financial’s home office or submitted via electronic application (eApp) by 3 p.m. CST.
• Monday, January 26, 2026: SecureCare IV will be available in all states except CA, CT, DE, IN, MT, ND, NJ, NY, SC and SD.
• Notes: SecureCare III will continue to be available in CT, DE, IN, MT, ND, NJ, SC, and SD and SecureCare UL will continue to be available in CA, until SecureCare IV is approved. The SecureCare line is not available in New York.

Transition rules

Applications for SecureCare III must be signed, in good order and received by Securian Financial’s home office or submitted via eApp by 3 p.m. CST Friday, January 23, 2026. If a new application is needed due to a licensing issue or because the application is not in good order, the client will no longer be able to apply for SecureCare III and will need to apply for SecureCare IV.

Note:

1. In pre-appointment states, agents need to be pre-appointed before they take the application.
2. Agents must complete any state-required LTC training before they take the application. Review LTC licensing and training requirements in each state.

eApps

• Saturday, January 24, 2026: SecureCare IV will be available on eApp in all states except CA, CT, DE, IN, MT, ND, NJ, NY, SC, and SD.
• eApps locked and out for signature before January 24, 2026 will receive the current product SecureCare III.
• eApps started but not locked before January 24, 2026 will direct the user to select the new product SecureCare IV.
• eApps started on or after January 24, 2026 will receive the new product SecureCare IV.

Applications (paper and eApp) already submitted

• If a client has already submitted an application for SecureCare III and wants to switch to SecureCare IV, an Amendment will need to be signed at delivery, and a new sales proposal (illustration) will be required. This process also includes anyone that wishes to change to the 20-pay premium option.
• SecureCare III policies that have already been issued, paid and are in-force cannot be exchanged for SecureCare IV, unless the policy is in its free-look period.

SecureCare IV coming soon