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Prospectus

MultiOption® Guide B Series Variable Annuity

Northern Lights Variable Trust (TOPS)

TOPS® Managed Risk Flex ETF Portfolio

Summary Prospectus

Statutory Prospectus

First quarter holdings report

Semi-Annual Report

Third quarter holdings report

Statement Of Additional Information

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Insurance products are issued by Minnesota Life Insurance Company or Securian Life Insurance Company, a New York authorized insurer. Minnesota Life is not an authorized New York insurer and does not do insurance business in New York. Both companies 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.

Variable products are distributed by Securian Financial Services, Inc. Securities Dealer, Member FINRA/SIPC. 400 Robert Street North, St. Paul, MN 55101-2098. 1-888-237-1838

This is a general communication for informational and educational purposes. The materials and the information are not designed, or intended, to be applicable to any person’s individual circumstances. It should not be considered investment advice, nor does it constitute a recommendation that anyone engage in (or refrain from) a particular course of action. If you are seeking investment advice or recommendations, please contact your financial professional.

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