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Recruiter Contract LIFR Sales System

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					BGA/ IMO Request to Appoint: BGA/ IMO

                        A                          A
Minnesota Life Insurance Company - Securian Life Insurance Company
Securian Financial Group Companies
Central Licensing Unit  400 Robert Street North   St. Paul, Minnesota 55101-2098

 BGA/ IMO name

        New Business is being submitted to Minnesota Life at the same time as this paperwork (Allowed for
        concurrent submission states). Any delay in the appointment process may result in additional signatures
        being required.

        List: State of Sale:                                       and Owner's Resident State:

        NOTE: Non-resident appointments are only submitted for preappointment state(s), state of sale or owner's resident state.

        License Only Agent (LOA)
    MINNESOTA LIFE                                                            SECURIAN LIFE
       *All life product rates will be based on Eclipse rates.                   *All life product rates will be based on Eclipse rates.

        ECLIPSE       1st Year:                %                                  ECLIPSE    1st Year:              %
                      Renewal 2-10:           %                                              Renewal 2-10:          %
        EARLY VALUES AGREEMENT RIDER                                              EARLY VALUES AGREEMENT RIDER

                      1st Year:               %                                              1st Year:              %
                      1st Year Spread:                 %                                     1st Year Spread:                %
                      Renewal 2-10:            %                                             Renewal 2-10:          %

aACopy Verify that the broker has provided you with the following information.
                                                  SUBMISSION INSTRUCTIONS

  aACopy Complete contracts are required not just signature pages.
 aACopy Fax this form along with all documents in one package to Central Licensing Unit at 651-665-7256
       Complete Broker Data Sheet
       BGA/ IMO Contact Information Data Sheet
       Signed Minnesota Life Broker Sales Contract
       Signed Minnesota Life BGA Contract
       Signed Securian Life Broker Sales Contract ONLY required if selling in NY
       Signed Securian Life BGA Contract ONLY required if selling in NY
       EFT form with a copy of a voided check
       Proof of E&O

Incomplete paperwork will delay the appointment process.
Appointment approvals emailed direct to broker email listed on Broker Data Sheet.
Please list any additional email addressses notifications should be sent to

I hereby request that Minnesota Life Insurance Company proceed with this appointment request.
Signature of BGA/ IMO                                                                                        Date
Print BGA/ IMO name                                                                                          BGA/ IMO code

             Fax this form along with all documents in one package to Central Licensing Unit at 651-665-7256
F68215 Rev 8-2010
Broker Data Sheet

                        A                          A
Minnesota Life Insurance Company - Securian Life Insurance Company
Securian Financial Group Companies
Corporate Compliance     400 Robert Street North   St. Paul, Minnesota 55101-2098

Name (first, middle, last) indicate your full legal name as it appears on your insurance license         Nickname

Residence address - REQUIRED - (number, street name and apartment or unit number)

City                                                       State                        Zip code         Residence telephone number

Sex                  Birth date (mo/day/yr)                Social Security number                        Business telephone number
      M     F
Business address - REQUIRED - (number, street name and unit number)                                      Business fax number

City                                                                                    State            Zip code

Broker's e-mail address                                                                                  CRD number

Corporation name (for fixed business only)                                                               Federal tax ID number

Designation selection
      CLU           ChFC           CFP           CFA               Other
Are you currently associated with a broker-dealer?         If yes, does your broker-dealer supervise INDEXED LIFE products?
      Yes        No                                            Yes           No         If yes, BD signature required on page 2.
Broker-Dealer name                                         Broker-Dealer address

Have you ever been appointed with Minnesota Life?
      Yes        No
A A valid license must be held in each state.
A Appointment is required before first solicitation occurs in pre-appointment state(s).
This is to inform you that as part of our procedure for processing your appointment request, an investigative consumer
report will be made which may include information as to your background, mode of living, character, general
reputation, and personal characteristics. By completing and signing this appointment request, you are indicating that
you understand and specifically authorize our procurement of this investigative consumer report.
                                PLEASE COMPLETE ALL QUESTIONS ON NEXT PAGE

F64254 Rev 6-2010                                                  Page 1 of 2                                                   Minnesota Life
If you answer "Yes" to any questions, attach a signed written explanation with all relevant information and supporting
                                                                                                                     YES NO
1. Have you, or an organization over which you exercised management or policy control:
   a. filed a bankruptcy petition or been the subject of an involuntary bankruptcy provision in the last 10 years?
   b. ever been charged with, indicted for, convicted of or pled guilty or nolo contendre to any felony or
      misdemeanor other then a minor traffic offense?
2. Do you have any unsatisfied judgments, garnishments or liens against you?
3. Has a bonding or surety company denied, ever paid out on, or revoked a bond for you?
4. Have you individually, or has a company you exercised control over, ever had an insurance license or
   appointment, or a securities registration, or an application for such, denied, suspended, cancelled or
5. Has any state or federal regulatory agency, legal body or self-regulating authority:
   a. ever sanctioned, censured, penalized or otherwise disciplined you?
   b. ever filed a complaint against you?
6. Have you ever been or are you currently party to an insurance or investment related consumer initiated
   complaint or proceeding?
7. Have you ever been or are you currently involved with, or party to:
   a. any litigation?
   b. the subject of any investigation?
8. Have you ever been discharged or permitted to resign because you were accused of:
   a. violating investment or insurance-related statutes, regulations, rules or industry standards of conduct?
   b. fraud or the wrongful taking of property?
   c. failure to supervise in connection with investment or insurance-related statutes, regulation, rules or
      industry standards of conduct?
I acknowledge and agree that this Broker Data Sheet does not constitute a contract of any kind. I hereby authorize the
Securian Financial Group company (hereinafter referred to as "the Company") that I have requested appointment with, and
its authorized agents to investigate my background, references, character, past employment, education, criminal or police
reports, including those mandated by both public and private organizations and all public records for the purpose of
confirming the information contained on this application and/or obtaining other information which may be material to my
qualifications for my appointment.
The Company is a Vector One subscriber. Accordingly, as part of the appointment process, the Company may query Vector
One's secured web portal to determine if another Vector One subscriber has posted that you have a commission-related
debit balance. If another Vector One subscriber has claimed you have a commission-related debit balance, the Company
will take into account the information along with all other background data gathered before determining whether
appointment will be approved.
I hereby consent to the Company obtaining such information from time to time, as the Company in its sole discretion,
deems necessary. I further consent to the disclosure of the Broker Data Sheet and background information to government
or regulatory agencies.
I hereby release the Company, its authorized agents and any person or entity which provides information pursuant to this
authorization, from any and all liabilities, claims or lawsuits relating to the information obtained from any and all of the
above referenced sources, or from the furnishing of the same.
I understand that I am obligated to immediately report any event that changes any of the information, in any manner,
which I have provided on this application. I hereby certify that all of the information herein is accurate and complete.
Finally, I acknowledge and agree that my appointment will, in part, be based on this Broker Data Sheet and background
information, and any falsification, misrepresentation or omission of information from this form may result in the
withholding or withdrawal of any offer of appointment or the revocation of appointment by the Company whenever
Broker signature                                                                                       Date
BROKER/DEALER AUTHORIZATION AND SIGNATURE - For Supervised Indexed Life Products and all Variable Life Products
The undersigned officer of the Broker/Dealer verifies that a background investigation has been conducted on the named
Registered Representative and that the findings of this investigation were favorable. A copy of the investigation will be
made available to the Company upon written request.
The Broker/Dealer certifies that the named Registered Representative has Errors & Omissions coverage currently in force
and that this coverage will be maintained as long as the Representative is affiliated with their firm.
The Broker/Dealer further attests that the Registered Representative has maintained high standards of integrity and
professionalism in the conduct of his/her business, and will continue to do so when conducting business on behalf of the
Printed name of authorized officer                                              Title

Signature of authorized officer                                                 Date
Broker/dealer name                                                              Broker/dealer tax ID number

Broker/dealer selling agreement contact name                                    Telephone number

                                                        Page 2 of 2
Brokerage General Agency Contract (Fixed Products)
                          A St. Paul, Minnesota 55101-2098
Minnesota Life Insurance Company - A Securian Company
400 Robert Street North

Section 1. AUTHORITY & ACTIVITIES                                              Broker Sales Contract attached as
                                                                               Schedule 1);
Minnesota Life Insurance Company (We, Us, Our)
and the master brokerage general agent named on the                        (2) Use only marketing materials that are
signature page (Master Brokerage General Agent,                                approved by Us in promoting Us or
MBGA) hereby contract with and agree to appoint                                Our products; and
the individual or entity named on the signature page                       (3) Comply with all applicable insurance
(You, Your, BGA) as a brokerage general agent.                                 laws and regulations governing the
This Brokerage General Agency Contract                                         sale and servicing of Our products.
(ôContractö) is effective on the date We determine,
as indicated herein.                                                   (b) Review all applications before submitting
                                                                           them to Us or as otherwise instructed by
1.1      You are authorized
                         :                                                 Us and submit only those applications that
                                                                           have been properly completed and for
      (a) To market Minnesota Life Insurance                               which Your Broker has the licenses and
          Company to brokers;                                              appointments required by Us.
      (b) To recommend producers to be appointed
          as insurance agents with Us through the                1.3      MBGA agrees to compensate You as
          Master Brokerage General Agent. Such                            provided in this Contract.
          producers that are appointed by Us will be
          referred to hereinafter as ôYour Brokersö;             Section 2. COMPENSATION

      (c) To solicit and procure applications for Our            2.1 YOUR COMPENSATION
          products that are not registered with the
          Securities and Exchange Commission                           (a) As full compensation for all services
          (ôSECö) as listed on any Brokerage                               rendered by You, MBGA agrees to pay
          General Agency Contract Update in effect                         You the remaining net compensation after
          and made a part of this Contract, but, in                        the amounts You direct to be paid to Your
          any state that requires appointment,                             Brokers have been subtracted from the
          Neither You nor Your Brokers may solicit                         gross compensation payable due to the sale
          an application for Our products before                           of Our products by Your Brokers.
          appointment by Us in that state;                                 Compensation will be paid as We receive
      (d) To remit all applications and any initial                        premiums in cash and as directed by the
          premiums promptly to Us or as otherwise                          MBGA, subject to Our established
          instructed by Us;                                                practices in effect at the time. We may
                                                                           pay compensation directly to You or to the
      (e) To deliver all issued products promptly to                       broker-dealer with whom you are
          the contract owner in accordance with any                        registered (ôYour Broker-Dealerö) if so
          delivery instructions;                                           required by Your Broker-Dealer. It is
                                                                           Your responsibility to inform Us in writing
      (f) To provide service to product owners of                          if Your compensation must be paid to
          Our products;                                                    Your Broker-Dealer. Compensation paid
      (g) To obtain and keep in good standing all                          to Your Broker-Dealer will be governed
          appropriate licenses necessary to solicit                        by agreements between Us and Your
          applications as authorized under this                            Broker-Dealer, and any such payment will
          Contract; and                                                    be Your Broker-DealerÆs sole
                                                                           responsibility. In all cases involving a
      (h) To train and manage Your Brokers, and to                         dispute or questionable compensation
          promote and provide administrative                               claim, Our decision shall be binding and
          assistance relating to Our products at Our                       conclusive. For income and other tax
          request.                                                         reporting purposes, We will report all
                                                                           income paid directly to You under this
1.2      You shall perform the following activities:                       Contract at the direction of the MBGA;

      (a) Supervise, insofar as possible, Your                         (b) Your compensation is explained in detail
          Brokers to ensure that they:                                     in the Brokerage General Agency Contract
                                                                           Update (ôContract Updateö) in Schedule 2,
           (1) Comply with the terms of their                              attached to and made a part of this
               Broker Sales Contract with Us (See


F68036 Rev 7-2008
       Contract. We will facilitate this payment              (a) If You are terminated for reasons other
       as directed by the MBGA and forward                        than reasons that qualify as Prohibited
       payment to You. You will be eligible for                   Acts under paragraph 4.6(c),compensation
       compensation for the sale of Our products                  as described in Section 2 will continue to
       where:                                                     be paid as if this Contract were still in
                                                                  force on products sold before termination
           (1) The application was submitted by
                                                                  by You. Not withstanding the foregoing, if
               Your Brokers;
                                                                  after Your termination You or individuals
           (2) The application has satisfied all                  working at Your direction participate in
               of Our requirements;                               the conduct described in paragraph
                                                                  4.6(c)(1),4.6(c)(4) or 4.6(c)(5), We, at
           (3) The application was approved by                    Our option, may declare this Contract null
               Us; and                                            and void, and all Your rights, benefits, and
           (4) The products are identified by Us                  compensation (according to Section 2.1
               in Our compensation system as                      YOUR COMPENSATION ) shall be
               relating to You.
   (c) MBGA will calculate compensation under
       this Contract according to the Contract            If termination is with cause and You have done any
       Update in effect for You on the date the           of the Prohibited Acts as defined in Section 4.6(c),
       date compensation is to be first paid to           We, at Our option, may declare this Contract null and
       You for a particular policy. The Contract          void, and all Your rights, benefits, and compensation
       Update in effect on the date that                  from Us (according to Section 2.1 YOUR
       compensation is first paid for a policy            COMPENSATION ) shall be forfeited.
       shall apply to all compensation paid on
       that policy throughout the life of the             2.3 ADJUSTMENTS
       policy. Whenever a new Contract Update
       is issued, it will become a part of this               (a) RETURNED PREMIUMS. All
       Contract. Except as expressly stated in                    compensation paid to You or Your
       each new Contract Update, the rates,                       Brokers as provided in Section 2, on any
       schedules and other information in the new                 premiums that are subsequently returned
       Contract Update will become effective                      or otherwise not received by Us shall,
       during the first full calendar week                        upon Our demand, become a debt You
       following the issuance of the new Contract                 owe to Us, payable according to paragraph
       Update by the MBGA. We will mail it to                     2.3(b) FIRST CLAIM ON EARNINGS;
       You at Your last known address, and You                    and
       should file it with this Contract
                                                              (b) FIRST CLAIM ON EARNINGS. You
   (d) We will pay all compensation which is due                  agree to promptly repay all debts to Us,
       you under this Contract on and after the                   including reasonable interest as We
       date of your death, to the duly appointed                  determine. We have first claim on all of
       representative of your estate; and                         Your earnings. This means that, as and
                                                                  when elected, We may keep all or any part
   (e) We have the right to refund any premiums                   of Your earnings to reduce any debt You
       paid on a policy if We believe this is                     owe Us. While We may release Your
       proper where a policy is rescinded,                        earnings while You owe Us a debt, this
       cancelled, or not accepted, or for any other               does not mean We have waived this right
       reason We believe is proper. You agree to                  of first claim to Your earnings. We may
       return to Us, when We ask for it, all                      make this claim whether Your earnings are
       earnings which We credited to You on any                   due You, the representative of Your estate,
       premiums which We refund.                                  Your heirs or Your assignees. Our claim
                                                                  also takes precedence over claims of Your
2.2 COMPENSATION AFTER TERMINATION                                creditors. All Your earnings We keep will
                                                                  be used to reduce the debt you owe Us or
   Should either MBGA, You, or We terminate                       the MBGA.
   this Contract, compensation for products in
   force after termination will be payable as             Section 3. BGA REPRESENTATIONS
                                                          You represent and agree for Yourself and Your

3.1 To abide by Our policies and procedures related              (e) To create or use any advertisement (all
    to the solicitation of products listed in the                    written, oral and pictorial materials
    Contract Update;                                                 designed to reach the public, including but
                                                                     not limited to brochures, newsletters,
3.2 To abide by any policies and procedures that We
                                                                     letters, presentations, web pages, phone
                                                                     scripts, illustrations, business cards,
3.3 To review and become familiar with Our                           letterhead, mailing or e-mailings)
    products prior to soliciting applications for such               containing Our signature package (logo),
    products; and                                                    referencing Us or Our products, or
                                                                     mentioning Our name unless (1) it has first
3.4 To solicit, procure, and submit applications for                 been approved by Us in writing, and (2) a
    products only if properly licensed and appointed                 copy of the final version has been received
    to do so as required by Us and applicable laws.                  by Our home office before it is used, and
                                                                     (3) it is used in accordance with any
Section4. GENERAL PROVISIONS                                         conditions and limitations of said
4.1 STATUS. You are not Our employee or the
    MBGAÆs employee under this Contract. You                     (f) To incur any expense or liability on Our
    are an independent contractor using Your own                     account without Our specific written
    judgment and guidelines in performing under                      authority to do so;
    the terms of this Contract. Only You shall
    determine the place or time that You perform                 (g) To solicit, procure or submit applications
    Your duties as a BGA under this Contract, and                    for Our SEC registered products which are
    nothing contained in this Contract shall limit                   controlled by selling agreements between
    Your right to sell products on behalf of other                   FINRA member broker dealers.
    insurance companies. You are responsible for
    paying all expenses You incur in carrying out
    the terms of the Contract.                               4.3 FIDELITY BOND AND INDEMNITY
    As a BGA, You are not a full-time salesperson                AGREEMENT. Neither You nor Your Brokers
    for Us or the MBGA. Therefore You are not                    are covered under Our fidelity bond.
    eligible for any fringe benefit plans in which               Notwithstanding any fidelity bond, You agree to
    Your participation or Our contributions are in               indemnify and hold Us harmless against any
    any way dependent on Your being considered a                 damages or losses which We incurred as a result
    statutory or common law employee. We will                    of Your actions or the actions of Your Brokers
    not pay any social security or related taxes on              or employees.
    Your compensation.
                                                             4.4 ERRORS AND OMISSIONS INSURANCE
4.2 ACTS NOT AUTHORIZED. Your authority                          COVERAGE. Before soliciting applications for
    extends no further than is specifically stated in            Us, You agree to provide written proof to Us of
    this Contract and, except as expressly set forth             Your errors and omissions insurance coverage,
    herein, You shall have no power or authority to              of a form and type of coverage and an amount
    act on Our behalf or to authorize Your Brokers               satisfactory to Us. You agree that this coverage
    to act on Our behalf. Specifically, but not                  shall include You and Your applicable
    limited to the following, neither You nor Your               administrative staff. You further agree to keep
    Brokers are authorized:                                      this required insurance coverage in force and to
                                                                 provide Us periodic proof of said coverage for
                                                                 as long as You are appointed by Us.
    (a) To offer for sale, in Our name, any
        products not included on the attached
        Contract Update. However, this shall not             4.5 CLAIMS AGAINST YOU OR US. You agree
        affect Your ability to sell products on                  to provide timely notice to Us and any
        behalf of other insurance companies. The                 applicable errors and omissions insurance
        Contract Update shall be amended by                      carriers of any claim against Us, You, Your
        without amending this Contract;                          Brokers, or any individual working for You or
                                                                 on Your behalf where said claim is in any way
    (b) To make, alter, or discharge contracts in                related to the sale of Our products. You agree to
        Our name, or guarantee any illustrations;                cooperate with these carriers. To the extent full
                                                                 coverage by any errors and omissions carriers is
    (c) To incur any debt or liability for or against            not extended to You, or individuals working for
        Us, institute any legal proceedings, or bind             You or on Your behalf, Your Brokers, or to Us,
        Us in any manner whatsoever;                             We have the right to defend said claim, and
    (d) To accept any money or property on Our                   settle that claim, when We receive satisfactory
        behalf, except for first premiums on Our                 proof of the merit of that claim. You will be

    liable to Us and agree to reimburse Us fully for                  (4) Induce any owner of one of Our
    any payments made and any related expenses                            products to lapse or surrender the
    incurred by Us in the defense and settlement of                       product or replace it with another
    any such claim that We defend, pay or settle,                         companyÆs product without Our
    including costs of counsel employed for such                          consent, whether or not applicable
    action.                                                               replacement laws or regulations have
                                                                          been followed;
4.6 TERMINATION. This Contract can be                                 (5) Induce or attempt to induce one of
    terminated either without cause or with cause.                        Our agents to leave Us; or
                                                                      (6) Violate any state or federal insurance
    (a) Without Cause. Your Contract can be                               or securities law.
        terminated, without cause and without a
        reason being given, at any time by You,                  (d) Nothing herein shall affect Our right to
        Master Brokerage General Agent, or Us.                       assert any other claim, either in law or in
        The party who wants to terminate this                        equity, We may have or acquire against
        Contract without cause must give 15 daysÆ                    You.
        written notice to the other parties to the
        Contract. This Contract will terminate as                (e) Termination of this Contract shall not
        of 11:59 p.m. on the 15th day following the                  affect Your obligation to repay any debt to
        date on which the notice was given. Upon                     Us or to account for and return all funds,
        mutual written agreement of the parties,                     products, training or sales material, and
        the 15 day notice period may be waived.                      Our other property to Our satisfaction.

    (b) With Cause. Your Contract can be                    4.7 ASSIGNMENT. We are relying on Your
        terminated for cause at any time in Our                 specific abilities in the performance of the
        sole discretion or in the MBGAÆs sole                   obligations and duties under this Contract.
        discretion. We or the MBGA must state                   Therefore, neither this Contract nor any of the
        the cause in writing to You. This Contract              rights, obligations or duties under this Contract
        will terminate as soon as the written notice            may be assigned by You without Our prior
        is given. Reasons may include, but are not              written approval, which approval may be
        limited to, Your failure: to maintain a                 withheld in Our sole discretion.
        necessary license; to comply with an
        insurance or securities law or regulation; to       4.8 WAIVER. The failure of either party to
        comply with Our rules or procedures; or to              exercise any right or enforce any provision of
        comply with a term of this Contract.                    this Contract shall not be construed as a waiver
                                                                of that partyÆs right to subsequently exercise that
    (c) Forfeiture. Except as otherwise provided                right or enforce that provision.
        by law, if (1) Your Contract is terminated
        for cause; and (2) You also do (or You              4.9 AMENDMENT OF CONTRACT. We reserve
        cause or allow any individuals working for              the right to amend any part of this Contract by
        You or on Your behalf to do) any of the                 written notice to You at Your last known
        conduct listed below (the ôProhibited                   address. Any amendment will be effective thirty
        Actsö), We, at Our option, may declare                  days from the mailing of such notice, or earlier
        this Contract null and void, and all Your               by mutual written agreement, but no such
        rights, benefits, and compensation from Us              amendment shall affect compensation payable
        or MBGA (according to Section 2.1                       on productspreviously put in force, except by
        YOUR COMPENSATION) shall be                             mutual written agreement. Neither this Contract
        forfeited:                                              nor any amendment to it shall bind Us unless
                                                                signed by Our officer. We, cooperating with the
         (1) Withhold or misappropriate any                     MBGA, and the MBGA reserve the right to
             funds, documents, or property                      change any part of the Contract Update at any
             belonging to an owner of one of Our                time. The compensation calculations stated in
             products, or to a person whose                     any Contract Update, however, shall continue to
             application for a product has not                  apply until We or the MBGA provides You with
             been accepted by Us;                               such changed Contract Update. Changes to the
                                                                Contract Update shall be exempt from the
         (2) Knowingly provide false information                officer signature and notice requirements.
             on the applicantÆs application;
         (3) Provide false information in Your
             application to contract with Us;

4.10 GOVERNING LAW. This Contract is                                 respect to this Contract shall be conducted in St.
     governed by the laws of the State of Minnesota.                 Paul, Minnesota.
                                                                4.13 BROKERS. Your Brokers shall enter into a
                                                                     contract with Us on Our approved form and
     comply and require Your Brokers to comply
                                                                     signed by Our officer. We can, in Our sole
     with Our anti-money laundering policy, and, if
                                                                     discretion, approve, reject, or terminate any such
     requested, You and Your Brokers shall assist in
                                                                     contract. Any such rejection or termination
     satisfying Our obligations under Our anti-money
                                                                     shall not create any liability from Us to You.
     laundering policy.
                                                                     You may request, at any time, that We terminate
                                                                     Your Broker(s). We will honor reasonable
4.12 ARBITRATION. All claims or controversies
                                                                     termination requests. Circumstances may
     arising out of or relating to this Contract shall be
                                                                     develop so that Your Brokers may need to be
     settled by arbitration. This paragraph provides
                                                                     reassigned to another master brokerage general
     the exclusive remedy for any dispute that may
                                                                     agent. You shall grant Your consent to all
     arise between the parties to this Contract (but
                                                                     reasonable reassignment requests. The parties
     does not necessarily apply to any third party
                                                                     shall cooperate when handling reassignment
     litigation that may involve You, Your Brokers,
     Master Brokerage General Agent, and/or Us)
     which the parties are not able to resolve in good
     faith. In the event of any unresolved dispute              4.14 JURISDICTION. We may make such changes
     relating to this Contract, including but not                    and decisions as We deem advisable in the
     limited to a dispute about the interpretation of                conduct of Our business, including but not
     this Contract or about Your claim to                            limited to discontinuance of any policy form or
     compensation, any party may demand                              withdrawal of product sales from any
     arbitration, by giving written notice to the other              jurisdiction, and We shall incur no liability to
     parties. The party initiating the arbitration                   You or Your Brokers by reason of doing so.
     (ôClaimantö) shall give written demand
     (ôDemandö) to the other parties
                                                                4.15 EXHIBITS & SCHEDULES. The Exhibits and the
     (ôRespondentsö), by certified or registered mail,
                                                                     Schedules to this Contract that are specifically
     return receipt requested. Any notice given
                                                                     referred to herein are a part of this Contract as if
     under this provision to You shall be at Your last
                                                                     fully set forth herein. All references herein to
     known address, to the Master Brokerage General
                                                                     Articles, Sections, subsections, paragraphs,
     Agent shall be at the Master Brokerage General
                                                                     subparagraphs, clauses, Exhibits and Schedules
     AgentÆs last known address, and to Us shall be
                                                                     shall be deemed references to such parts of this
     to the General Counsel at our home office
                                                                     Contract, unless the context shall otherwise
     located at 400 Robert St. N., St. Paul, MN
                                                                     require. Any fact or item disclosed on any
     55101. The parties agree that the Commercial
                                                                     Schedule to this Contract shall be deemed
     Arbitration Rules of the American Arbitration
                                                                     disclosed on all other Schedules to this Contract to
     Association in effect at the time of the Demand
                                                                     which such fact or item may apply.
     shall apply to the arbitration procedure,
     including the selection of a panel of three                4.16 SURVIVAL. The provisions of Sections 2.2, 2.3,
     arbitrators. The arbitrators shall have the                     4.6, 4.12, 5, 6, and 7 shall survive a termination of
     authority to determine all disputes, including the              this Contract
     applicability of arbitration to the dispute. The
     award in writing shall be made within sixty (60)           Section 5. MAINTAINING CONFIDENTIALITY
     days after the appointment of the third arbitrator.        OF PERSONAL INFORMATION
     The arbitrators may award compensatory
     damages, plus interest, and specific                       We are committed to safeguarding the privacy of Our
     performance. The award of the arbitrator panel             customers and We are dedicated to maintaining the
     shall be final and binding on all parties.                 confidentiality of their personal information. In the
     Judgment upon the award may be entered in any              course of Your duties under this Contract, You or
     court having jurisdiction. No demand for                   Your Brokers may obtain personal information about
     arbitration under this section, and no claim               Our customers and consumers. We require You and
     under this Contract, may be made after the date            Your Brokers to maintain the confidentiality of such
     when such dispute would be barred by the                   personal information and to abide by all applicable
     applicable statute of limitations. Each party              federal and state privacy laws. You shall not use or
     shall bear its own costs and expenses. Any                 disclose any such personal information You or Your
     arbitration arising between the parties with               Brokers obtain in the course of Your duties under
                                                                this Contract for any purpose unrelated to Your
                                                                duties under this Contract. You shall not disclose
                                                                such personal information to third parties without
                                                                prior written consent of Us or the customer or
                                                                consumer. You shall not, under any circumstances,

use or disclose such personal information for Your or             Contract and acknowledge that We will
Your BrokerÆs own purpose, such as selling personal               rely upon such representation with respect
information to third parties. You shall also                      to any request for Protected Heath
implement reasonable safeguards to protect such                   Information from You. You may use the
personal information from unauthorized or                         Protected Health Information:
inadvertent use or disclosure. We reserve the right to
periodically audit Your privacy practices and                    (i)      for the proper management and
procedures to ensure compliance with federal and                          administration of Our products
state laws and with Our corporate privacy policy.                         with Agency and Us;
You shall immediately notify us of any breach or                 (ii)     to carry out Your legal
potential breach of the security of confidential                          responsibilities, provided that 1)
personal information of Our customers and                                 the disclosure is required [or
consumers.                                                                authorized] by law; or 2) You
                                                                          obtain reasonable assurance from
Section 6. BUSINESS ASSOCIATE AGREEMENT                                   a third person to whom the
                                                                          Protection Health Information is
This provision shall be effective with respect to the                     disclosed that such Protected
use of information which is protected health                              Health Information will remain
information within the meaning of the Health                              confidential, be used or further
Insurance Portability and Accountability Act and its                      disclosed only as required by law
implementing regulations at 45 C.F.R. parts 160 and                       or for the reasons it was disclosed
164 (the ôFederal Health Privacy Rulesö) and shall                        to the third person, and the third
be applicable notwithstanding any conflicting                             person notifies You of any
provisions of this Contract.                                              instances of which it is aware in
                                                                          which the confidentiality of the
You are, or may be deemed to be Our ôbusiness                             Protected Health Information has
associateö, as that term ôbusiness associateö is                          been breached;
defined under the Federal Health Privacy Rules. The
capitalized terms used in this Section 6 shall have the       (b) You shall use appropriate safeguards to
meanings provided for in the Federal Health Privacy               prevent use of disclosure of the Protected
Rules where not defined herein. References to the                 Health Information other than as provided
Federal Health Privacy Rules shall mean as enacted                herein and, upon Our request, from time to
and shall include any later amendments, deletions or              time, provide information to Us about such
revisions.                                                        safeguards;

6.1 YOUR HIPAA OBLIGATIONS                                    (c) You shall, within fourteen (14) days of
                                                                  becoming aware of any use or disclosure
    (a) You shall only use or disclose the                        of the Protected Health Information not
        Protected Health Information: (A) as set                  provided for herein by You or those
        forth in and in accordance with this                      working on Your behalf, report such use or
        Agreement provided that such uses or                      disclosure to Us;
        disclosures are not inconsistent with the
        Federal Privacy Rules; (B) as required by             (d) You shall obtain and maintain an
        law; and (C) as expressly provided for in                 agreement with any agent or subcontractor,
        this Sub Section 6.1(a). The term                         to whom You provides any of the
        ôrequired by lawö shall have the same                     Protected Health Information or that will
         meaning as the term ôrequired by lawö in                 create any Protected Health Information on
         45 CFR Section 164.501. The term ôthe                    Our behalf or Your behalf pursuant to
         Protected Health Informationö shall have                 which the agent or subcontractor agrees to
         the same meaning as it has in 45 CFR                     the same restrictions, terms and conditions
         Section 164.501 of the Federal Health                    that apply to You with respect to the
         Privacy Rules but only with respect to the               Protected Health Information pursuant to
         information created or received by You                   this Contract;
         from or on behalf of Us. You hereby
         represent that any Protected Health
         Information You shall require from Us                (e) Within ten (10) days of a request by Us,
         shall be the minimum necessary, as                       You shall, in the manner designated by Us,
         defined by the Federal Health Privacy                    make available to Us, or as directed by Us,
         Rules, for Your stated purposes under this               to an Individual, such portions of the
                                                                  Protected Health Information which We
                                                                  believe to be within the Designated Record
                                                                  Set so as to permit Company to comply
                                                                  with Section 164.524 of the Federal Health
                                                                  Privacy Rules. In the event any Individual

    requests access to the Protected Health                      challenging the validity of such request,
    Information directly from You, You shall,                    You agree to cooperate fully with Us in
    within two (2) days forward such request                     such a challenge. You shall make Your
    to Us. Any denials of access to the                          internal practices, books, and records
    Protected Health Information requested                       relating to the use and disclosure of the
    shall be Our responsibility;                                 Protected Health Information, available to
                                                                 Us and to the Secretary of Health and
(f) Within ten (10) days of a request by Us for                  Human Services (ôthe Secretaryö), in a
    the amendment of an IndividualÆs                             time and manner designated by Us or the
    Protected Health Information within the                      Secretary, for purposes of determining Our
    IndividualÆs Designated Record Set, You                      compliance with the Federal Health
    shall make available the Protected Health                    Privacy Rules;
    Information for amendment by Us and
    shall incorporate any amendments to the                 (i) You agree to mitigate, to the extent
    Protected Health Information in the                         practicable, any harmful effect that is
    IndividualÆs Designated Record Set held                     known to You of a use of disclosure of the
    by You so as to permit Company to                           Protected Health Information in violation
    comply with Section 164.526 of the                          of the requirements of this Contract;
    Federal Health Privacy Rules. In the event
    any Individual submits a request for an                 (j) You acknowledge that the disclosure of
    amendment to his/her Designated Record                      any portion of the Protected Health
    Set directly to you, You shall, within two                  Information may cause irreparable injury
    (2) days forward such request to Us. Any                    to Us and damages, which may be difficult
    denials of requests for amendment to the                    to ascertain. Therefore, We shall, upon a
    Designated Record Set shall be Our                          disclosure or threatened disclosure of any
    responsibility.                                             of the Protected Health Information, be
                                                                entitled to injunctive relief to protect and
(g) Within ten (10) days of electronic notice                   recover the Protected Health Information
    You by Us that We have received a request                   and You shall not object to the entry of an
    for an accounting of disclosures of the                     injunction or other equitable relief against
    Protected Health Information You shall                      You on the basis of an adequate remedy at
    notify Us of disclosures (if any) made: for                 law, lack of irreparable harm or any other
    public health purposes, regarding abuse,                    reason. This provision shall not in any
    neglect or domestic violence; to a health                   way limit such other remedies as may be
    oversight agency; in the course of a                        available to Us at law or in equity;
    judicial or administrative proceeding; for
    law enforcement purposes; to coroners, to               (k) You, at Your own expense, shall
    medical examiners and funeral directors, to                 indemnify and hold Us harmless, Our
    organ procurement organizations; for                        subsidiaries, affiliates and assignees, and
    research; as required by law; to prevent a                  their directors, officers, employees and
    serious harm to health or safety, to military               agents, and defend any action brought
    and veterans officials, or for workersÆ                     against same with respect to any claim,
    compensation purposes. In each case You                     demand, cause of action, debt, loss or
    shall provide at least the following                        liability, including attorneysÆ fees, to the
    information with respect to each such                       extent based upon a claim that any action
    disclosure: (A) the date of the disclosure;                 or omission by You breaches any of Your
    (B) the name of the entity or person who                    obligations, representations or warranties
    received the Protected Health Information;                  under this Contract. This provision shall
    (C) a brief description of the Protected                    not in any way limit any other
    Health Information disclosed; and (D) a                     indemnification that may be provided for
    brief statement of the purpose of such                      in this Contract.
    disclosure which includes an explanation
    of the basis for such disclosure. You agree         Section 7. HIPAA SECURITY
    to implement an appropriate record-
    keeping process to enable it to comply              You agree that the following provisions shall also
    with the requirements of this subsection;           govern the use of information subject to this Contract
                                                        that is protected health information within the
(h) You shall notify Us within five (5)                 meaning of the Health Insurance Portability and
    business days of Your receipt of any                Accountability Act and its implementing regulations
    request or subpoena for the Protected               at 45 C. F. R. parts 160 and 164 ( the ôFederal Health
    Health Information. To the extent that We           Privacy Rulesö) and shall be applicable
    decide to assume responsibility for

notwithstanding conflicting provisions of this

You are, or may be deemed a ôBusiness Associateö
of Company, as the term ôBusiness Associateö is
defined under the Federal Health Privacy Rules. The
capitalized terms used herein shall have the meanings
provided for in the Federal Health Privacy Rules
where not defined herein. References to the Federal
Health Privacy Rules shall mean as enacted and shall
include any later amendments, deletions, or

You shall implement and maintain administrative,
physical, and technical safeguards that reasonably
and appropriately protect the confidentiality,
integrity, and availability of the Protected Health
Information that You create, receive, maintain, or
transmit on Our behalf, such safeguards to be
consistent with the safeguards described in the
Federal Health Privacy Rules at section 164.306
through 164.310, and, upon Our request, from time
to time, shall provide information to Us about such

You shall, within fourteen (14) days of becoming
aware of any Security Incident, by You or those
working on your behalf report such Security Incident
to Us in writing.

You shall ensure that You and those working on
Your behalf to whom You provide any Protected
Health Information or that will create any Protected
Health Information agrees in writing to implement
and maintain reasonable and appropriate safeguards
to protect such information, such safeguards to be
consistent with the safeguards described in the
Federal Health Privacy Rules at sections 164.306
through 164.310.

You, We, and the MBGA must sign three copies of the Contract before it goes into effect.


Your appointment as a Brokerage General Agent and the terms of this Contract are accepted by You.
Name (please print)

Signature                                                                                    Date


We approve and accept Your appointment as a Brokerage General Agent and the terms of this Contract.
Officer signature
Title                                                                                        Date


Master Brokerage General Agent approves and accepts Your appointment as a Brokerage General Agent and the
terms of this contract.
Name (please print)

Signature                                                                                    Date



Broker Authorization for Automatic
Deposit(s) to Checking Account (EFT)

                           A                       A
Minnesota Life Insurance Company - Securian Life Insurance Company
Securian Financial Group Companies
Life Policy Administration 400 Robert Street North  St. Paul, Minnesota 55101-2098

                                                                                                   Route To: A3-6503
Broker name

Name on checking account                                                                      SSN or TIN

If broker name and name on checking account are different, the checking account name is for
    Sole Proprietorship (no additional form needed)
    Corporation (assignment of commission form is needed)


        New               Change
Financial institution name (depository)                                    Account number     ABA routing number

Address (include street, city, state, zip code)                                               Telephone number (financial inst.)

                           *A VOIDED CHECK IS REQUIRED FOR EACH ACCOUNT*


I authorize Minnesota Life Insurance Company, Inc. (ML) or Securian Life Insurance Company (SL), to initiate deposits
(credit entries) and, if necessary, to initiate debt entries and adjustments for any deposits (credit entries) made in
error to my account(s) indicated above. I authorize the financial institution (DEPOSITORY) named above to credit
and/or debit such entries and/or make adjustments to my account. This authorization is to remain in full force and
effect until ML /SL has received written notification from me of its termination in such time and manner as to afford
ML/SL and DEPOSITORY a reasonable opportunity to act on it, or until such time as ML/SL terminates this method of
payment. I certify that there are no other beneficial interests in my personal checking account other than my spouse.

I certify, that if I operate as a sole-proprietorship, either my personal checking account is in my individual name and
Social Security number, or I have obtained a Federal Employment Identification Number (FEIN/TEIN) for my
sole-proprietorship that is different than my Social Security number. The checking account for my sole-proprietorship
is in my "Doing Business As" (DBA) name and my sole-proprietorship's FEIN/TEIN if applicable.
Signature of payee                                                                            Date (month/day/year)
Note: If DBA changes, you will need to complete and send a new EFT form along with a new voided check to
Minnesota Life.

F63449 Rev 8-2010
Assignment of Commissions on Fixed Products

400 Robert Street North
                          A St. Paul, Minnesota 55101-2098
Minnesota Life Insurance Company, a Securian Financial Group affiliate
For value received, I,                                                                            , do hereby assign unto
                            (Print Name of Broker/Assignor)

                                                                         ,                                     , any and
(Print Name and Address of Assignee)                                         (Assignee Tax ID Number)

all first year and renewal commissions now due me or hereafter to become due under the terms and provisions
of my Broker Sales Contract with Minnesota Life Insurance Company (hereinafter "ôM innesota Life")
dated                                     and all supplements and amendments, if any (hereinafter the "Contract").

Payment of said commission to the Assignee shall discharge Minnesota Life from all liability to the Assignor for
the payment of such commissions to the same extent as if payment had been made directly to the Assignor. I
agree to indemnify and hold harmless Minnesota Life for any and all liability Minnesota Life may incur because
of this Assignment.

I understand that Minnesota Life Insurance Company shall not be held to waive its rights to offset at any time
against any amounts due under the Contract the amount of any debts owed by the broker to Minnesota Life
Insurance Company irrespective of when such debts are incurred; nor shall Minnesota Life Insurance Company
be held to waive any claims which it may otherwise have under the Contract.

This Assignment shall apply to any fixed policies placed by me with Minnesota Life while employed by
Assignee, and it is irrevocable without the written consent of Assignee. The effective date of this Assignment
must be a current or future date and will only apply to commissions that become due and payable under the
Contract after the effective date.

Effective                                     ,                                           (             -      )
            Date                                  Broker's Name                           Code

Broker Signature

Date of Execution of Agreement

F66393 5-2007
(Rev. January 2011)
                                       W-9                                                Request for Taxpayer                                                                      Give Form to the
                                                                                                                                                                                    requester. Do not
Department of the Treasury
                                                                                Identification Number and Certification                                                             send to the IRS.
Internal Revenue Service
                                       Name (as shown on your income tax return)

                                       Business name/disregarded entity name, if different from above
See Specific Instructions on page 2.

                                       Check appropriate box for federal tax
                                       classification (required):    Individual/sole proprietor          C Corporation          S Corporation            Partnership       Trust/estate
           Print or type

                                                                                                                                                                                              Exempt payee
                                             Limited liability company. Enter the tax classification (C=C corporation, S=S corporation, P=partnership)

                                            Other (see instructions)
                                       Address (number, street, and apt. or suite no.)                                                            Requester’s name and address (optional)

                                       City, state, and ZIP code

                                       List account number(s) here (optional)

         Part I                                  Taxpayer Identification Number (TIN)
Enter your TIN in the appropriate box. The TIN provided must match the name given on the “Name” line                                                        Social security number
to avoid backup withholding. For individuals, this is your social security number (SSN). However, for a
resident alien, sole proprietor, or disregarded entity, see the Part I instructions on page 3. For other                                                                   –              –
entities, it is your employer identification number (EIN). If you do not have a number, see How to get a
TIN on page 3.
Note. If the account is in more than one name, see the chart on page 4 for guidelines on whose                                                              Employer identification number
number to enter.

      Part II                                    Certification
Under penalties of perjury, I certify that:
1. The number shown on this form is my correct taxpayer identification number (or I am waiting for a number to be issued to me), and
2. I am not subject to backup withholding because: (a) I am exempt from backup withholding, or (b) I have not been notified by the Internal Revenue
   Service (IRS) that I am subject to backup withholding as a result of a failure to report all interest or dividends, or (c) the IRS has notified me that I am
   no longer subject to backup withholding, and

3. I am a U.S. citizen or other U.S. person (defined below).
Certification instructions. You must cross out item 2 above if you have been notified by the IRS that you are currently subject to backup withholding
because you have failed to report all interest and dividends on your tax return. For real estate transactions, item 2 does not apply. For mortgage
interest paid, acquisition or abandonment of secured property, cancellation of debt, contributions to an individual retirement arrangement (IRA), and
generally, payments other than interest and dividends, you are not required to sign the certification, but you must provide your correct TIN. See the
instructions on page 4.
Sign                                         Signature of
Here                                         U.S. person                                                                                        Date

General Instructions                                                                                                     Note. If a requester gives you a form other than Form W-9 to request
                                                                                                                         your TIN, you must use the requester’s form if it is substantially similar
Section references are to the Internal Revenue Code unless otherwise                                                     to this Form W-9.
                                                                                                                         Definition of a U.S. person. For federal tax purposes, you are
Purpose of Form                                                                                                          considered a U.S. person if you are:
A person who is required to file an information return with the IRS must                                                 • An individual who is a U.S. citizen or U.S. resident alien,
obtain your correct taxpayer identification number (TIN) to report, for                                                  • A partnership, corporation, company, or association created or
example, income paid to you, real estate transactions, mortgage interest                                                 organized in the United States or under the laws of the United States,
you paid, acquisition or abandonment of secured property, cancellation                                                   • An estate (other than a foreign estate), or
of debt, or contributions you made to an IRA.
                                                                                                                         • A domestic trust (as defined in Regulations section 301.7701-7).
   Use Form W-9 only if you are a U.S. person (including a resident
alien), to provide your correct TIN to the person requesting it (the                                                     Special rules for partnerships. Partnerships that conduct a trade or
requester) and, when applicable, to:                                                                                     business in the United States are generally required to pay a withholding
                                                                                                                         tax on any foreign partners’ share of income from such business.
   1. Certify that the TIN you are giving is correct (or you are waiting for a                                           Further, in certain cases where a Form W-9 has not been received, a
number to be issued),                                                                                                    partnership is required to presume that a partner is a foreign person,
   2. Certify that you are not subject to backup withholding, or                                                         and pay the withholding tax. Therefore, if you are a U.S. person that is a
   3. Claim exemption from backup withholding if you are a U.S. exempt                                                   partner in a partnership conducting a trade or business in the United
payee. If applicable, you are also certifying that as a U.S. person, your                                                States, provide Form W-9 to the partnership to establish your U.S.
allocable share of any partnership income from a U.S. trade or business                                                  status and avoid withholding on your share of partnership income.
is not subject to the withholding tax on foreign partners’ share of
effectively connected income.

                                                                                                              Cat. No. 10231X                                                       Form W-9 (Rev. 1-2011)

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