An annuity is intended to be a long-term, tax-deferred retirement vehicle. Earnings are taxable as ordinary income when distributed, and if withdrawn before age 59½, may be subject to a 10% federal tax penalty. If the annuity will fund an IRA or other tax qualified plan, the tax deferral feature offers no additional value. Qualified distributions from a Roth IRA are generally excluded from gross income, but taxes and penalties may apply to nonqualified distributions. Please consult a tax advisor for specific information. There are charges and expenses associated with annuities, such as surrender charges (deferred sales charges) for early withdrawals. Variable annuities have additional expenses such as mortality and expense risk, administrative charge, investment management fees and rider fees. Variable sub-accounts of annuities are subject to market fluctuation, investment risk and loss of principal.

MultiOption Guide B Series variable annuity and the optional benefits may not be approved in all states and features may vary by state. Not available in New York. The guarantees in MultiOption Guide B are subject to the financial strength and claims-paying ability of Minnesota Life. The guarantees have no bearing on the performance of the variable investment options. We reserve the right to limit or discontinue acceptance of future purchase payments after the contract is issued. This may limit the ability to increase the contract value through additional purchase payments. If an optional benefit is elected in the contract, this may also limit the ability to increase the value used to calculate the optional benefit.

The SureTrack Plus 90 optional benefit establishes an Accumulation Base for calculating a minimum value available on the Benefit Date. Other than on the Benefit Date, the Accumulation Base provides no minimum contract value or investment return and is not available for withdrawal or payable at death. If on the Benefit Date the Accumulation Base is less than the contract value, the benefit terminates with no adjustment to contract value. The benefit requires use of an approved asset allocation strategy. Acceptance of future purchase payments is limited while this optional benefit is in effect. The guarantees are subject to the financial strength and claims-paying ability of Minnesota Life. The guarantees have no bearing on the performance of the variable investment options.

The MyPath suite of optional lifetime income benefits establish a Benefit Base for calculating guaranteed annual income. The Benefit Base provides no minimum contract value or investment return and is not available for withdrawal. Withdrawals exceeding allowed guidelines, or taken before the Benefit Date, may have a negative impact on the guarantees of these optional living benefits. All withdrawals reduce the Contract Value. These benefits cannot be cancelled and require use of an approved asset allocation strategy. The guarantees are subject to the financial strength and claims-paying ability of Minnesota Life. The guarantees have no bearing on performance of the variable investment options. These benefits are available on a single or joint life basis for an additional cost with a variable annuity and are based on state approval. Certain MyPath Benefits may be selected on a Plus or Joint 50 basis. These options may provide a greater initial stream of annual income with a reduction in annual income upon occurrence of certain specified events.

MyPath joint benefit options are not beneficial to the joint designated life unless he or she is recognized as a spouse under federal law. Consult with your tax advisor prior to purchasing a MyPath joint benefit if you have questions about your spouse’s status under federal law.

Variable annuities are sold by prospectus. Your clients should consider the investment objectives, risks, charges and expenses of a portfolio and the variable insurance product carefully before investing. The portfolio and variable insurance product prospectuses contain this and other information. Please read the prospectuses carefully before investing.

The information presented above is solely intended for use by financial professionals. Such information is not intended for public consumption or dissemination.

A purpose of the method of marketing is solicitation of insurance and that contact will be made by an insurance agent or agency.

Policy form numbers: 12-70232, ICC12-70232, 12-70234, ICC12- 70234, 12-70235, ICC12-70235, 12-70236, ICC12-70236, 15-70285, ICC15-70285, 16-70307, 20-70559, ICC20-70559, 20-70560, ICC20-70560, 20-70561, ICC20-70561, 20-70591, ICC20- 70591, 20-70592, ICC20-70592, 20-70593, ICC20-70593, 20-70594, ICC20-70594, 20-70595, ICC20-70595, 20-70596, ICC20-70596, 20-70597, ICC20-70597