Securian Life Variable Universal Life Account, et al. – ‘N-6’ on 2/23/06 – EX-99.26(D)(10)

On:  Thursday, 2/23/06, at 3:08pm ET   ·   Accession #:  1047469-6-2344   ·   File #s:  811-21859, 333-132009

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Registration Statement for a Separate Account (Unit Investment Trust)   —   Form N-6
Filing Table of Contents

Document/Exhibit                   Description                      Pages   Size 

 1: N-6         Registration Statement for a Separate Account         71    337K 
                          (Unit Investment Trust)                                
 2: EX-99.26(A)  Miscellaneous Exhibit                                 2     14K 
 3: EX-99.26(D)(1)  Miscellaneous Exhibit                             47±   133K 
12: EX-99.26(D)(10)  Miscellaneous Exhibit                             2     16K 
13: EX-99.26(D)(11)  Miscellaneous Exhibit                             1     11K 
14: EX-99.26(D)(12)  Miscellaneous Exhibit                             2±    11K 
15: EX-99.26(D)(13)  Miscellaneous Exhibit                             3     22K 
16: EX-99.26(D)(14)  Miscellaneous Exhibit                             5±    22K 
 4: EX-99.26(D)(2)  Miscellaneous Exhibit                             47±   130K 
 5: EX-99.26(D)(3)  Miscellaneous Exhibit                             46±   128K 
 6: EX-99.26(D)(4)  Miscellaneous Exhibit                             46±   128K 
 7: EX-99.26(D)(5)  Miscellaneous Exhibit                              4±    20K 
 8: EX-99.26(D)(6)  Miscellaneous Exhibit                              4±    20K 
 9: EX-99.26(D)(7)  Miscellaneous Exhibit                              3     22K 
10: EX-99.26(D)(8)  Miscellaneous Exhibit                              3     22K 
11: EX-99.26(D)(9)  Miscellaneous Exhibit                              2     17K 
17: EX-99.26(E)(1)  Miscellaneous Exhibit                              4±    19K 
18: EX-99.26(E)(2)  Miscellaneous Exhibit                              5±    22K 
19: EX-99.26(E)(3)  Miscellaneous Exhibit                              4±    22K 
20: EX-99.26(E)(4)  Miscellaneous Exhibit                              4±    21K 
21: EX-99.26(F)(1)(A)  Miscellaneous Exhibit                           3     17K 
22: EX-99.26(F)(1)(B)  Miscellaneous Exhibit                           2     13K 
23: EX-99.26(F)(1)(C)  Miscellaneous Exhibit                           2±    11K 
24: EX-99.26(F)(1)(D)  Miscellaneous Exhibit                           2     12K 
25: EX-99.26(F)(1)(E)  Miscellaneous Exhibit                           2     13K 
26: EX-99.26(F)(1)(F)  Miscellaneous Exhibit                           1     11K 
27: EX-99.26(F)(2)  Miscellaneous Exhibit                             10     43K 
28: EX-99.26(R)  Miscellaneous Exhibit                                 2     15K 

EX-99.26(D)(10)   —   Miscellaneous Exhibit

EX-99.26(D)(10)
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                                                            Exhibit 99.26(d)(10)

WAIVER OF PREMIUM CERTIFICATE SUPPLEMENT                                        

SECURIAN LIFE INSURANCE COMPANY                                                 
400 Robert Street North - St. Paul, Minnesota 55101-2098                        

[SECURIAN(TM) LOGO]                                                             

GENERAL INFORMATION                                                             

This is issued in consideration of your application and the timely payment of   
the additional required premium which is included in the monthly cost of        
insurance. The provisions summarized in this supplement are subject in every    
respect to the group policy and amendments thereto.                             

WHAT DOES THE WAIVER OF PREMIUM BENEFIT PROVIDE?                                

If you become totally and permanently disabled, as hereinafter defined, while   
under age [60], upon receipt of due proof of such disability, [your insurance]  
(including all supplements, including the Children's Term Life Coverage         
Certificate Supplement, if applicable) under the group policy will be continued 
in force, subject to the following provisions and without payment of the cost of
insurance, cost of riders, and administration fees for you during the           
uninterrupted continuance of such total and permanent disability.               

WHAT IS "TOTAL" DISABILITY?                                                     

Total disability is a disability which occurs while your insurance is in force  
and results from an accidental injury or a disease that continuously prevents   
you from engaging in any occupation for remuneration or profit. You must be     
under the care of a licensed physician other than yourself. During the first [24
months] of total disability, "occupation for remuneration or profit " means your
regular occupation for remuneration or profit. After [24 months], it means any  
occupation for remuneration or profit for which you are reasonably fitted by    
education, training and experience.                                             

Your total and irrevocable loss of the following shall be considered total      
disability even if you engage in an occupation for remuneration or profit:      

(1)  the sight of both eyes; or                                       
(2)  the use of both hands; or                                        
(3)  the use of both feet; or                                         
(4)  the use of one hand and one foot.                                

WHAT IS "PERMANENT" DISABILITY?                                                 

Total disability will be considered permanent only after it has existed         
continuously for at least [six months].                                         

HOW LONG WILL INSURANCE BE CONTINUED?                                           

If you become totally and permanently disabled, insurance will be continued:    

(1)  until your [95th] birthday; or                                   
    (2)  until the date you are no longer totally and permanently disabled; or
(3)  until the date you terminate or surrender your insurance;        

whichever occurs first.                                                         

WHAT IF YOU CONVERT YOUR GROUP LIFE INSURANCE TO A POLICY OF INDIVIDUAL         
INSURANCE PRIOR TO THE APPROVAL OF HIS OR HER DISABILITY CLAIM?                 

If your coverage has been converted in accordance with the conversion privilege 
section of the group policy, benefits under this supplement will apply only if  
the converted policy is surrendered without claim, except for refund of         
premiums.                                                                       

WHAT WILL BE CONSIDERED DUE PROOF OF DISABILITY?                                

You must furnish evidence satisfactory to us that your total disability:        

   (1)  commenced while insurance on your life under the group policy was in
force; and                                                  
(2)  commenced before your [60th] birthday; and                       
(3)  was continuous for [six months] or more.                         

We will, at reasonable intervals, also require additional proof satisfactory to 
us that you continue to be totally and permanently disabled. We may also require
you to submit to one or more medical examinations at our expense. However, we   
will not require a medical examination of you more frequently than once a year  
if the total disability has continued for two years.                            

ARE THERE ANY LIMITATIONS?                                                      

This benefit will not be effective if your total disability results directly    
from intentionally self-inflicted injuries or from an act of war while you are  
serving in the military, naval or air forces of any country at war, declared or 
undeclared.                                                                     

WHEN MUST WE BE NOTIFIED?                                                       

We must receive written notice of your total disability at our home office      
during your lifetime and during the period of such disability.                  

WHAT IS YOUR COST FOR THIS BENEFIT?                                             

Your cost for this benefit is shown on the specifications page attached to your 
certificate.                                                                    

WHAT IF YOUR INSURANCE UNDER THE GROUP POLICY LAPSES?                           

If your insurance lapses before notice of your total and permanent disability is
received at our home office, your insurance will be continued only if the notice
is received within one year after your insurance lapses. Also, the total        
disability must have commenced prior to the date the net cash value became zero 
or during the grace period allowed.                                             

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EX-99.26(D)(10)
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CAN INSURANCE THAT WAS CONTINUED UNDER THIS CERTIFICATE SUPPLEMENT BE CONVERTED?

Yes. Insurance under the group policy may be converted as set forth in your     
certificate during the insured's lifetime and within the time period allowed for
such election after the insured ceases to be totally and permanently disabled.  

IS THIS BENEFIT RETROACTIVE?                                                    

Yes. The cost of insurance, cost of riders, and administration fees falling due 
before we approve the insured's total disability claim will be deducted from    
your account value. If the claim is approved, those charges which were deducted 
after the insured became totally and permanently disabled will be credited to   
your account value.                                                             

WILL YOUR ACCOUNT BE CREDITED WITH PREMIUM CONTRIBUTIONS AS A RESULT OF THIS    
BENEFIT?                                                                        

No. Except for interest which accrues on the account value, the account value   
will not increase while insurance is being continued under this agreement.      
Nothing contained herein will prohibit you from paying premiums.                

This agreement is effective as of the policy date.                              

/s/ [ILLEGIBLE]                                                  /s/ [ILLEGIBLE]
Secretary                                                              President

 2

5 Subsequent Filings that Reference this Filing

  As Of               Filer                 Filing    For·On·As Docs:Size             Issuer                      Filing Agent

 4/26/24  Securian Life Var Universal… Acct 485BPOS     5/01/24    4:737K                                   Donnelley … Solutions/FA
 8/30/23  Securian Life Var Universal… Acct 485BPOS     8/30/23    4:697K                                   Donnelley … Solutions/FA
 4/27/23  Securian Life Var Universal… Acct 485BPOS     5/01/23    5:711K                                   Donnelley … Solutions/FA
 4/27/22  Securian Life Var Universal… Acct 485BPOS     4/29/22    5:1M                                     Toppan Merrill/FA
 4/28/21  Securian Life Var Universal… Acct 485BPOS     5/01/21    5:1M                                     Toppan Merrill/FA