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Fixed Indexed Annuity

SecureLink Future

Securian Financial

7.9%

Best Cap

10%

Free W/D

50

Jurisdictions

Product data status: May 29, 2026

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.

Live product data

Rates as of May 29, 2026, based on the latest AdvisorWorld scan of CANNEX data.

GLWB lifetime payout rate

5.5% lifetime payout

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 feeRMD-friendly income ridersAdvisorWorld + 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 period

10 years

Free withdrawal

10%/yr

Availability

50 jurisdictions (excl. New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

7.9% cap rate

S&P 500

S&P 500 Index

18% cap rate

Fixed Account

Fixed Account

4.2% declared rate

+ 2 volatility-controlled index options (Barclays All, SG Climate)

Lifetime Income Riders

Income rider

Acheiver Income

RMD friendly
Lifetime payout rate5.5% lifetime payout
Annual rider fee1.15% annual rider fee

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 filing 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 filing is not offered.

All crediting strategies

View rate listings (10 rows)

These are the current crediting strategy listings returned for this product. Use the filters to narrow by index, term, premium band, or rate type.

Par: 180% · 1-yr

Barclays All Caps Trailblazer 5 Index

participation

10-yr surrender

Par: 180% · 1-yr

SG Climate Prepared Index

participation

10-yr surrender

Cap: 7.9% · 1-yr

S&P 500 Index

cap

10-yr surrender

Fixed: 4.2% · 1-yr

Fixed Account

fixed

10-yr surrender

Cap: 18% · 2-yr

S&P 500 Index

cap

10-yr surrender

Par: 180% · 1-yr

Barclays All Caps Trailblazer 5 Index

Par: 180% · 1-yr

SG Climate Prepared Index

Cap: 7.9% · 1-yr

S&P 500 Index

Fixed: 4.2% · 1-yr

Fixed Account

Cap: 18% · 2-yr

S&P 500 Index

Income riders

Income rider

Acheiver Lifetime Income

RMD friendly
Lifetime withdrawal rate5.5%
Annual rider fee1.15%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age50 — 120

GLWB

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.

Strategy guarantee

Minimum guaranteed cap: 2.00%

Strategy guarantee

Guaranteed minimum interest rate (fixed): 0.50%

Strategy guarantee

Minimum guaranteed participation: 35.00%

Annuitization options

Single and joint

Contract conversion options should be confirmed before purchase.

Fund types

Non-qualified, Qualified

Availability can vary by state and product terms.

Surrender schedule

Yr 1

9%

Yr 2

8.1%

Yr 3

7.2%

Yr 4

6.3%

Yr 5

5.4%

Yr 6

4.5%

Yr 7

3.6%

Yr 8

2.7%

Yr 9

1.8%

Yr 10

0.9%

After

0%

RMD waiver, Surrender waivers

Documents

product guide

minnesota-secureoption-select_compressed copy 2.pdf

Confidence: highReviewed Apr 11, 2026

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 5 distinct indexed or fixed crediting choices across 10 current rate listings, including S&P 500 Index and Fixed Account, with 2 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, and renewal terms are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 7.9% cap
  • S&P 500 Index: 18% cap
  • Fixed Account: 4.2% fixed

Income rider language

What to look for before treating the rider as income

Acheiver Lifetime Income is the main income-rider entry returned 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.

  • 5.5% withdrawal rate
  • 1.15% rider fee
  • RMD friendly

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

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