Exhibit 26(d)(11) OVERLOAN PROTECTION AGREEMENT This agreement is a part of the policy to which it is attached and is subject to all its terms and conditions. This agreement is effective as of the original policy date of this policy unless a different...Overloan Protection Agreement • August 28th, 2012 • Minnesota Life Individual Variable Universal Life Account
Exhibit 26(d)(8) EARLY VALUES AGREEMENT This agreement is a part of the policy to which it is attached and is subject to all its terms and conditions. WHAT DOES THIS AGREEMENT PROVIDE? This agreement waives any surrender charge that would otherwise...Early Values Agreement • August 28th, 2012 • Minnesota Life Individual Variable Universal Life Account
Exhibit 26(d)(5) TERM INSURANCE AGREEMENT This agreement is a part of the policy to which it is attached. It is subject to all the terms and conditions of the policy. WHAT DOES THIS AGREEMENT PROVIDE? This agreement provides additional term insurance...Term Insurance Agreement • August 28th, 2012 • Minnesota Life Individual Variable Universal Life Account
The initial amount of term insurance is shown on the policy data pages. If we increase the death benefit of the policy to ensure that the policy remains qualified as life insurance under Section 7702 of the code, we will decrease the amount of term insurance by the amount of the increased death benefit on the policy.
Exhibit 26(d)(7) WAIVER OF PREMIUM AGREEMENT This agreement is a part of the policy to which it is attached and is subject to all its terms and conditions. WHAT DOES THIS AGREEMENT PROVIDE? With this agreement we will pay a monthly premium for you if...Premium Agreement • August 28th, 2012 • Minnesota Life Individual Variable Universal Life Account
Exhibit 26(d)(10) GUARANTEED INSURABILITY OPTION This agreement is a part of the policy to which it is attached and is subject to all its terms and conditions. This agreement is effective as of the date shown on the policy data pages. WHAT DOES THIS...Minnesota Life Individual Variable Universal Life Account • August 28th, 2012
This agreement is a part of the policy to which it is attached and is subject to all its terms and conditions. This agreement is effective as of the date shown on the policy data pages.
Exhibit 26(d)(6) ACCELERATED DEATH BENEFIT AGREEMENT This agreement is a part of the policy to which it is attached and is subject to all its terms and conditions. This agreement is effective as of the policy date shown on the policy data pages. THE...Benefit Agreement • August 28th, 2012 • Minnesota Life Individual Variable Universal Life Account
This agreement is a part of the policy to which it is attached and is subject to all its terms and conditions. This agreement is effective as of the policy date shown on the policy data pages.
Exhibit 26(d)(9) LONG TERM CARE AGREEMENT This agreement is a part of the policy to which it is attached and is subject to all its terms and conditions. This agreement is effective as of the policy date of this policy unless a different effective date...Long Term Care Agreement • August 28th, 2012 • Minnesota Life Individual Variable Universal Life Account
This agreement is a part of the policy to which it is attached and is subject to all its terms and conditions. This agreement is effective as of the policy date of this policy unless a different effective date is shown on the policy data pages.
Exhibit 26(d)(2) CHILDREN'S TERM AGREEMENT This agreement is a part of the policy to which it is attached and is subject to all its terms and conditions. This agreement is effective as of the policy date of this policy unless a different effective...Term Agreement • August 28th, 2012 • Minnesota Life Individual Variable Universal Life Account
This agreement is a part of the policy to which it is attached and is subject to all its terms and conditions. This agreement is effective as of the policy date of this policy unless a different effective date is shown on the policy data page.
Exhibit 26(d)(3) WAIVER OF CHARGES AGREEMENT This agreement is a part of the policy to which it is attached and is subject to all its terms and conditions. WHAT DOES THIS AGREEMENT PROVIDE? This agreement provides for the waiver of all policy charges...Charges Agreement • August 28th, 2012 • Minnesota Life Individual Variable Universal Life Account
This agreement provides for the waiver of all policy charges assessed against the accumulation value on a monthly basis if the insured becomes totally and permanently disabled. To qualify, you must give us timely notice and evidence satisfactory to us that the insured's total disability:
Exhibit 26(d)(12) INFLATION AGREEMENT This Agreement is a part of the policy to which it is attached and is subject to all its terms and conditions. This agreement is effective as of the original policy date of this policy unless a different effective...Inflation Agreement • August 28th, 2012 • Minnesota Life Individual Variable Universal Life Account
This Agreement is a part of the policy to which it is attached and is subject to all its terms and conditions. This agreement is effective as of the original policy date of this policy unless a different effective date is shown on the policy data pages.
