Rates, state availability, rider terms, and contract language must be confirmed with a licensed financial advisor or insurance professional before purchase. Guarantees are backed by the issuing insurer.
Model this product
See what SecureLink Future would do for you
Set your numbers and switch between growth, income, and liquidity. Index losses credit 0% — the floor — so a down market never reduces your value.
Product analyzer
Illustrative — live CANNEX rates as of July 17, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$281,436
Est. value at age 80 (SecureLink Future)
7.9%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 18% Cap (2-yr point-to-point)
✦
How crediting works: the cap limits positive index returns; a down year credits 0%, never a loss. A cap strategy tracks the index within its terms. What is a cap vs participation? →
Assumptions: illustrative — applies SecureLink Future's published cap rate (18% on S&P 500 Index) to a standard benchmark hypothetical index path (~5.4%/yr average, including down years) with a 0% floor over 20 years; 2-year credits are applied only at completed term anniversaries. Not a projection, quote, or guarantee. Live CANNEX rates as of July 17, 2026.
Free Comparison Report
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See how SecureLink Future compares for your age, state, premium, and income goals alongside other Securian Financial fixed indexed annuity options.
Current rates, riders, crediting strategies, state availability, and contract facts stay scoped to this Securian Financial product.
Live product data
Rates as of July 17, 2026, from AdvisorWorld and CANNEX.
GLWB lifetime payout rate
4.5% lifetime payout + 8% roll-up
A ten-year-surrender income-focused fixed indexed annuity from tri-agency-rated Securian Financial, built around the optional Achiever Lifetime Income GLWB rider that publishes a higher payout rate at a deferred start than at an immediate start, with an underlying crediting menu pairing a recognizable S&P 500 annual cap and two proprietary participation-rate indexes.
1.15% annual rider feeAdvisorWorld + CANNEX data
Best fit
Buyers committing to a ten-year deferral who want lifetime income through a real optional GLWB rider, value an RMD-friendly income design for qualified retirement money, are comfortable paying a published rider fee on the income base for that guarantee, and want a tri-agency-rated carrier sitting behind the promise.
AM Best
A+ Superior
Surrender options
7, 9, and 10 years
Free withdrawal
10%/yr
Availability
50 jurisdictions (excl. New York)
Featured crediting strategies
Caps, participation rates, and declared rates are shown separately.
Index / strategyRate mechanicsCreditingSurrenderPremium
S&P 500
S&P 500 Index
7.8% cap rate
Annual cap
1-year term · 7-year surrender · Does not vary by premium
1-year term
7-year surrender
Does not vary by premium
S&P 500
S&P 500 Index
7.9% cap rate
Annual cap
1-year term · 9-year surrender · Does not vary by premium
1-year term
9-year surrender
Does not vary by premium
S&P 500
S&P 500 Index
7.9% cap rate
Annual cap
1-year term · 10-year surrender · Does not vary by premium
1-year term
10-year surrender
Does not vary by premium
S&P 500
S&P 500 Index
17.5% cap rate
Cap strategy
2-year term · 7-year surrender · Does not vary by premium
2-year term
7-year surrender
Does not vary by premium
S&P 500
S&P 500 Index
17.5% cap rate
Cap strategy
2-year term · 9-year surrender · Does not vary by premium
2-year term
9-year surrender
Does not vary by premium
S&P 500
S&P 500 Index
18% cap rate
Cap strategy
2-year term · 10-year surrender · Does not vary by premium
2-year term
10-year surrender
Does not vary by premium
Fixed Account
Fixed Account
4% declared rate
Fixed account
1-year term · 7-year surrender · Does not vary by premium
1-year term
7-year surrender
Does not vary by premium
Fixed Account
Fixed Account
4.1% declared rate
Fixed account
1-year term · 9-year surrender · Does not vary by premium
1-year term
9-year surrender
Does not vary by premium
Fixed Account
Fixed Account
4.2% declared rate
Fixed account
1-year term · 10-year surrender · Does not vary by premium
1-year term
10-year surrender
Does not vary by premium
+ 6 additional crediting options (Barclays All, SG Climate...)
Lifetime Income Riders
Income rider
Acheiver Income
Lifetime payout rate4.5% lifetime payout
Annual rider fee1.15% annual rider fee
Guaranteed roll-up8%/yr
Product analyst notes
How to think about this contract
Why it can stand out
Lifetime income comes through a real optional GLWB rider — the Achiever Lifetime Income benefit — that publishes a higher payout rate at a deferred start than at an immediate start, so a buyer who can wait through the surrender period earns a contractually higher lifetime withdrawal rate rather than a rollup illustration that may or may not credit.
Carrier financial-strength is rated by three independent agencies (A.M. Best, Standard & Poor's, and Moody's), so the strength view backing the lifetime-income promise on this contract is triangulated rather than single-sourced.
The income rider is flagged RMD-friendly on the live feed — buyers using this for qualified retirement money can take required minimum distributions without breaking the GLWB benefit, a meaningful design feature for income FIAs held in IRA-type buckets.
Crediting menu underneath the income rider includes a recognizable S&P 500 annual point-to-point cap plus participation strategies on the Barclays All Caps Trailblazer 5 and SG Climate Prepared indexes — so the account value the rider sits on can grow against either a like-for-like S&P benchmark or higher-participation proprietary indexes during the deferral period.
What to confirm
The Achiever Lifetime Income rider carries a published annual fee charged on the income base, not the account value — effective cost can run materially higher than the headline fee rate when the income base outgrows the account value over the deferral, so model the rider through the full deferral period before committing.
The two participation-rate strategies sit on proprietary indexes (Barclays All Caps Trailblazer 5 and SG Climate Prepared). Their participation rates can look high in absolute terms because of the indexes' volatility targets, but they are not directly comparable to an S&P 500 cap — each strategy has to be evaluated on its own historical and forward characteristics rather than on the headline participation number.
Surrender ladder runs the full ten years with a high first-year charge and a market value adjustment on early exits above the annual free-withdrawal allowance. A buyer who needs full liquidity inside the surrender window pays a real penalty even before the MVA is applied.
This contract is offered in fifty jurisdictions but NOT in New York — Securian sells a separate filing into the New York market. Confirm the contract is the right one for the state of residence before relying on this page's strategy menu or rider terms.
Not ideal for
Buyers who need short-surrender liquidity, want a rider-fee-free income mechanism through a Protected Income Value chassis instead of an optional GLWB, expect a premium bonus to offset the long surrender, need an account-value death-benefit roll-up, or live in New York where this contract is not offered.
Free Comparison Report
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See how SecureLink Future compares for your age, state, premium, and income goals alongside other Securian Financial fixed indexed annuity options.
These are the current crediting strategies available for this product. Use the filters to narrow by index, term, premium band, or rate type.
Par: 170% · 1-yr
Barclays All Caps Trailblazer 5 Index
participation
7-yr surrenderDoes not vary by premium
Par: 170% · 1-yr
SG Climate Prepared Index
participation
7-yr surrenderDoes not vary by premium
Cap: 7.8% · 1-yr
S&P 500 Index
cap
7-yr surrenderDoes not vary by premium
Fixed: 4% · 1-yr
Fixed Account
fixed
7-yr surrenderDoes not vary by premium
Cap: 17.5% · 2-yr
S&P 500 Index
cap
7-yr surrenderDoes not vary by premium
Par: 175% · 1-yr
Barclays All Caps Trailblazer 5 Index
participation
9-yr surrenderDoes not vary by premium
Par: 175% · 1-yr
SG Climate Prepared Index
participation
9-yr surrenderDoes not vary by premium
Cap: 7.9% · 1-yr
S&P 500 Index
cap
9-yr surrenderDoes not vary by premium
Fixed: 4.1% · 1-yr
Fixed Account
fixed
9-yr surrenderDoes not vary by premium
Par: 180% · 1-yr
Barclays All Caps Trailblazer 5 Index
participation
10-yr surrenderDoes not vary by premium
Par: 180% · 1-yr
SG Climate Prepared Index
participation
10-yr surrenderDoes not vary by premium
Fixed: 4.2% · 1-yr
Fixed Account
fixed
10-yr surrenderDoes not vary by premium
Cap: 18% · 2-yr
S&P 500 Index
cap
10-yr surrenderDoes not vary by premium
Income riders
Income rider
Acheiver Lifetime Income
Lifetime withdrawal rate4.5%
Annual rider fee1.15%
Guaranteed roll-up8%/yr
Deferral assumed10 years
GLWB
Common questions about SecureLink Future
● Can I lose money in SecureLink Future?
A negative index return by itself does not reduce the contract's account value: SecureLink Future credits 0% — the floor — for that indexed period. The account value can still decrease from applicable rider fees, Performance Rate Rider or other strategy charges, administrative charges, withdrawals, surrender charges, or other contract-specific deductions. In years with no credited interest, those deductions can reduce the account value. Up to 10% of your value can be withdrawn each year without a charge; withdrawals above the penalty-free amount during the surrender period can incur a surrender charge.
● Is the Acheiver Lifetime Income income rider worth the 1.15% fee?
It depends on whether you will use the guaranteed income. If you are accumulating only, you can skip it. If you want guaranteed lifetime income later, the 8% roll-up and 4.5% withdrawal rate can make it worthwhile — model it in the Income tab of the analyzer above.
● When can I access my money without a surrender charge?
Up to 10% of your account value each year is penalty-free. The scheduled surrender charges run 10 years; after that the surrender-charge schedule ends. Bonus vesting, market value adjustments when applicable, and other contract rules can still affect the amount available. The Liquidity tab of the analyzer shows the year-by-year surrender charge.
● How do SecureLink Future's crediting strategies compare?
Use "Compare against" in the analyzer to overlay another current SecureLink Future strategy on the same premium, age, years, and hypothetical index path. The control labels the strategy type, rate, index, and context so caps, participation rates, triggers, spreads, and fixed-account choices are not treated as interchangeable.
Key Features
Free withdrawal
10%/yr
Annual amount that may be available without surrender charges, subject to contract terms.
Surrender waivers
1
RMD waiver
Death benefit
Standard Death Benefit
Beneficiary value depends on contract terms, withdrawals, and rider elections.
Cap-rate floor
2.00%
Minimum guaranteed cap for cap-based indexed strategies.
Fixed account guarantee
0.50%
Guaranteed minimum interest rate for the fixed account.
Participation-rate floor
35.00%
Minimum guaranteed participation rate for participation-rate indexed strategies.
Annuitization options
Single and joint
Contract conversion options should be confirmed before purchase.
Direct link not published — request the document from the carrier.
Carrier Ratings
AM BestA+
S&PAA
Moody'sAa3
S&PAA-
Contract notes from product data
Crediting design
How the interest-crediting choices are framed
SecureLink Future currently shows 13 indexed or fixed crediting options, including S&P 500 Index, with 6 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, renewal terms, and fee-bearing rider variants are different mechanics and should not be ranked as one simple rate list.
S&P 500 Index: 7.8% annual cap
S&P 500 Index: 7.9% annual cap
S&P 500 Index: 17.5% 2-year cap
S&P 500 Index: 18% 2-year cap
Income rider language
What to look for before treating the rider as income
Acheiver Lifetime Income is the main income rider listed for this product. Rider terms can affect the tradeoff between future lifetime withdrawals, contract value, beneficiary value, and cost, so the exact state version and rider election should be confirmed before comparing it to annuitization or income-only contracts.
4.5% withdrawal rate
1.15% rider fee
10 deferral years
Liquidity terms
Why access rules deserve as much attention as rates
A fixed indexed annuity can preserve more control than an income-only contract, but access is still governed by the surrender schedule, free-withdrawal terms, and waiver language. Those details are where many product comparisons become more meaningful than a simple rate list.
10%/yr free withdrawal
10 surrender years
RMD waiver
Verification note
Use carrier materials as term evidence, then confirm the current version
Carrier materials such as minnesota-secureoption-select_compressed copy 2.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 24, 2026. For the current brochure, rate sheet, or specimen contract, confirm the state-specific version with the carrier or a licensed financial professional.
Rates and rider terms can vary by state and issue age
Carrier guarantees depend on claims-paying ability
Current contract forms should be confirmed before purchase
Free Comparison Report
Get a SecureLink Future rate report
See how SecureLink Future compares for your age, state, premium, and income goals alongside other Securian Financial fixed indexed annuity options.