Electronic Signature Process Disclosure
A St. Paul, Minnesota 55101-2098
Securian Financial Group, Inc.
400 Robert Street North
JKL
MNO
Securian Financial Group and its member companies accept electronic signatures to enable our
customers to take advantage of technology to purchase and/or manage insurance contracts. We have
prepared this statement so that you can better understand the electronic signature process and the
security measures we will be taking relating to the use of your electronic signature for the purchase of
insurance.
1. Applicants and insureds (collectively referred to as users) are advised that transactions may be
completed online or by paper.
2. Should a user elect an online option, they will visit our website. Access may be granted by the use
of a user ID and password or by providing demographic data including name, mailing address,
email address, date of birth and Social Security number (SSN) or an employer-issued employee ID.
3. Users will complete an online interview to capture the information required to complete the
selected transaction. Required information varies by transaction, dictated by the form supporting
the transaction. Language presented online such as health questions, privacy practice notices
and authorizations match the approved form for the transaction being completed.
4. Once the interview is complete, the user will be able to verify the accuracy of the information
captured by the system. At any time, changes can be made or the process can be cancelled
without consequence.
5. Should the user elect to continue, they are taken to a submission screen, which advises them they
are going to submit a transaction.
6. In order to apply an electronic signature, the user is presented a statement that asks them to
agree that the electronic signature will be as binding as a written signature. The statement
provides them with a link to the site’s Terms of Use, which include specific electronic signature
requirements, and asserts that the submission is true and complete to the best of his or her
knowledge and belief.
7. To proceed, the user selects an “"I agree"” option. If the user does not agree, they can opt-out of
electronic signature by completing the process using a paper form provided by us. An “"I agree"”
statement is required for each transaction completed online.
8. If the user selects "“I agree"” and the “"Submit"” button, an electronic signature will be bound to the
form and stored within our system. This record is stored as one request within our system. This
information is stored in encrypted storage within our network. The consent provided is specific to
that transaction and form and cannot be re-applied to future transactions. System logs maintain
that an electronic signature was applied, but those logs cannot be reused for additional requests.
9. The act of selecting "“I agree"” is recorded along with the transaction being completed. A visualized
representation of the electronic signature will be added to the document stating “"Signed
Electronically by [User’s Name]”" and the signature date. Documents are stored in a manner that
does not allow a submitted document to be permanently edited by us, ensuring the submission
cannot be reused or altered.
10. In addition to the visualization of a signature, the information which comprises an electronic
signature -- including specific information regarding the date, time and computer IP address from
which the request was submitted -- is part of the transaction record and may be retrieved by us in
the future, if necessary.
11. The submission is processed instantly. A confirmation screen is displayed and the user has the
ability to download a copy of the corresponding form with their electronic signature added.
Insurance products are underwritten by Minnesota Life Insurance Company or Securian Life Insurance Company, a New York authorized
insurer. Both companies are affiliates of Securian Financial Group, Inc. and are headquartered in Saint Paul, MN. Product availability and
features may vary by state. Each insurer is solely responsible for the financial obligations under the policies or contracts it issues.
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