Fixed Indexed Annuity

SecureLink Ultra

Securian Financial

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11.2%

Best S&P 500 Annual Cap

10%

Free W/D

Available jurisdictions

Product data status: July 16, 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.

Model this product

See what SecureLink Ultra 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 16, 2026; not a projection or guarantee.

Premium$100,000

Your age60

Surrender term

Crediting strategy

Compare against

$150,842

Est. value at age 80 (SecureLink Ultra)

11.2%

Best S&P 500 1-yr point-to-point cap

MSCI EAFE Index — 9.25% Cap (Annual)

✦

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 Ultra's published cap rate (9.25% on MSCI EAFE Index) to a calibrated proprietary/volatility-controlled hypothetical index path (~1.9%/yr average, including down years) with a 0% floor over 20 years. Not a projection, quote, or guarantee. Live CANNEX rates as of July 16, 2026.

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See how SecureLink Ultra compares for your age, state, premium, and income goals alongside other Securian Financial fixed indexed annuity options.

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Live rate data

Run live numbers for SecureLink Ultra

Current rates, riders, crediting strategies, state availability, and contract facts stay scoped to this Securian Financial product.

Live product data

Rates as of July 16, 2026, from AdvisorWorld and CANNEX.

S&P 500 annual cap rate

11.2% cap on S&P 500

A two-chassis accumulation-focused fixed indexed annuity from tri-agency-rated Securian Financial — buyer picks between a shorter five-year and a longer seven-year surrender filing under one contract — built around an S&P 500 annual point-to-point cap plus trigger, participation, and multi-year cap alternatives on the same index and a Barclays All Caps Trailblazer 5 participation strategy, with a six-figure premium minimum and no lifetime-income rider.

1-year term7-year surrender$500,000+AdvisorWorld + CANNEX data

Best fit

Buyers with a six-figure deposit who want tax-deferred accumulation from a tri-agency-rated carrier, want to choose between a shorter five-year chassis and a longer seven-year chassis under one contract, and want a single filing that can express either a recognizable S&P 500 cap, a fixed-rate S&P trigger, or higher-participation alternatives.

AM Best

A+ Superior

Surrender options

5 and 7 years

Free withdrawal

10%/yr

Availability

50 jurisdictions (excl. New York)

Minimum premium

$20,000

Featured crediting strategies

Caps, participation rates, and declared rates are shown separately.

Index / strategyRate mechanicsCreditingSurrenderPremium

S&P 500

S&P 500 Index

10.75% cap rate

Annual cap

1-year term · 5-year surrender · $100,000 to $500,000

Rate varies by premium band.

1-year term

5-year surrender

$100,000 to $500,000

S&P 500

S&P 500 Index

11% cap rate

Annual cap

1-year term · 7-year surrender · $100,000 to $500,000

Rate varies by premium band.

1-year term

7-year surrender

$100,000 to $500,000

S&P 500

S&P 500 Index

6.75% trigger rate

Performance trigger

1-year term · 5-year surrender · $100,000 to $500,000

Rate varies by premium band.

1-year term

5-year surrender

$100,000 to $500,000

S&P 500

S&P 500 Index

13% trigger rate

Performance trigger

1-year term · 5-year surrender · $100,000 to $500,000

Rate varies by premium band.

1-year term

5-year surrender

$100,000 to $500,000

S&P 500

S&P 500 Index

13% trigger rate

Performance trigger

1-year term · 7-year surrender · $100,000 to $500,000

Rate varies by premium band.

1-year term

7-year surrender

$100,000 to $500,000

S&P 500

S&P 500 Index

6.75% trigger rate

Performance trigger

1-year term · 7-year surrender · $100,000 to $500,000

Rate varies by premium band.

1-year term

7-year surrender

$100,000 to $500,000

S&P 500

S&P 500 Index

50% participation rate

Participation

1-year term · 5-year surrender · $100,000 to $500,000

Rate varies by premium band.

1-year term

5-year surrender

$100,000 to $500,000

S&P 500

S&P 500 Index

50% participation rate

Participation

1-year term · 7-year surrender · $100,000 to $500,000

Rate varies by premium band.

1-year term

7-year surrender

$100,000 to $500,000

S&P 500

S&P 500 Index

8.75% cap rate

Annual cap

5-year term · 5-year surrender · $100,000 to $500,000

Rate varies by premium band.

5-year term

5-year surrender

$100,000 to $500,000

S&P 500

S&P 500 Index

8.75% cap rate

Annual cap

7-year term · 7-year surrender · $100,000 to $500,000

Rate varies by premium band.

7-year term

7-year surrender

$100,000 to $500,000

Nasdaq-100

Nasdaq-100 Index

9.75% cap rate

Annual cap

1-year term · 5-year surrender · $100,000 to $500,000

Rate varies by premium band.

1-year term

5-year surrender

$100,000 to $500,000

Nasdaq-100

Nasdaq-100 Index

9.75% cap rate

Annual cap

1-year term · 7-year surrender · $100,000 to $500,000

Rate varies by premium band.

1-year term

7-year surrender

$100,000 to $500,000

Fixed Account

4.75% declared rate

Fixed account

1-year term · 5-year surrender · $100,000 to $500,000

Rate varies by premium band.

1-year term

5-year surrender

$100,000 to $500,000

Fixed Account

4.75% declared rate

Fixed account

1-year term · 7-year surrender · $100,000 to $500,000

Rate varies by premium band.

1-year term

7-year surrender

$100,000 to $500,000

+ 18 additional crediting options (Barclays All, MSCI EAFE...)

Product analyst notes

How to think about this contract

Why it can stand out

Buyer chooses between two surrender chassis under the same contract — a shorter five-year filing and a longer seven-year filing — so the lock-up length is a real lever on this contract rather than a take-it-or-leave-it commitment.
Crediting menu pairs a recognizable S&P 500 annual point-to-point cap with multiple alternative mechanics on the same index — an S&P 500 fixed-rate trigger, an S&P 500 participation rate, and a multi-year cap option — plus a Nasdaq-100 cap, an MSCI EAFE cap, and two participation strategies on the proprietary Barclays All Caps Trailblazer 5 index. A single contract can express either a like-for-like S&P comparison or alternative participation profiles.
Carrier financial-strength is rated by three independent agencies (A.M. Best, Standard & Poor's, and Moody's), so the strength view backing the rate menu is not a single-source read.
Standard accumulation liquidity package is all here — an annual free-withdrawal allowance plus nursing-home, terminal-illness, and RMD surrender waivers — rather than buried in a brochure.

What to confirm

There is no lifetime-income rider on this contract in the live data. Do not pitch SecureLink Ultra as a guaranteed lifetime payout product — Securian sells a separate income-rider filing (SecureLink Future, the GLWB-rider sibling) for buyers who need a contractually published lifetime-withdrawal rate.
This is a higher-premium-band contract — the live feed quotes against a six-figure deposit minimum. Deposits below that threshold quote on a different filing in the carrier's shelf with different rates, so confirm the deposit size before relying on this page's strategy menu and headline cap.
One of the participation-rate strategies in the menu carries an annual strategy spread on the live feed — even though the participation rate looks high in absolute terms, the spread reduces realized crediting. Read the spread column alongside the participation column before treating that strategy as the obvious best alternative to the S&P cap.
Surrender charges are highest in the first contract year and step down over the surrender window, with a market value adjustment on early exits above the annual free-withdrawal allowance. Filed in fifty jurisdictions but NOT in New York — confirm state availability before recommending to New York buyers, who are quoted on a different Securian filing.

Not ideal for

Buyers below the carrier's six-figure premium minimum, buyers who need a contractually guaranteed lifetime-withdrawal rate (no rider on this contract — see the SecureLink Future sibling instead), buyers needing an enhanced death benefit or premium bonus, or New York residents where this contract is not filed.

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All crediting strategies

View rate listings (36 strategies)

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

Par: 220% + Spread: 2% · 1-yr

Barclays All Caps Trailblazer 5 Index

participation

5-yr surrender$100,000 - $499,999.99

Par: 180% · 1-yr

Barclays All Caps Trailblazer 5 Index

participation

5-yr surrender$100,000 - $499,999.99

Par: 50% · 1-yr

S&P 500 Index

participation

5-yr surrender$100,000 - $499,999.99

Trigger: 13% · 1-yr

S&P 500 Index

trigger

5-yr surrender$100,000 - $499,999.99

Cap: 10.75% · 1-yr

S&P 500 Index

cap

5-yr surrender$100,000 - $499,999.99

Cap: 9.75% · 1-yr

Nasdaq-100 Index

cap

5-yr surrender$100,000 - $499,999.99

Cap: 9.25% · 1-yr

MSCI EAFE Index

cap

5-yr surrender$100,000 - $499,999.99

Trigger: 6.75% · 1-yr

S&P 500 Index

trigger

5-yr surrender$100,000 - $499,999.99

Fixed: 4.75% · 1-yr

Fixed Account

fixed

5-yr surrender$100,000 - $499,999.99

Cap: 8.75% · 5-yr

S&P 500 Index

cap

5-yr surrender$100,000 - $499,999.99

Par: 225% + Spread: 2% · 1-yr

Barclays All Caps Trailblazer 5 Index

participation

5-yr surrender$500,000+

Par: 185% · 1-yr

Barclays All Caps Trailblazer 5 Index

participation

5-yr surrender$500,000+

Par: 52% · 1-yr

S&P 500 Index

participation

5-yr surrender$500,000+

Trigger: 13.3% · 1-yr

S&P 500 Index

trigger

5-yr surrender$500,000+

Cap: 10.95% · 1-yr

S&P 500 Index

cap

5-yr surrender$500,000+

Cap: 10% · 1-yr

Nasdaq-100 Index

cap

5-yr surrender$500,000+

Cap: 9.5% · 1-yr

MSCI EAFE Index

cap

5-yr surrender$500,000+

Trigger: 6.9% · 1-yr

S&P 500 Index

trigger

5-yr surrender$500,000+

Fixed: 4.85% · 1-yr

Fixed Account

fixed

5-yr surrender$500,000+

Cap: 8.95% · 5-yr

S&P 500 Index

cap

5-yr surrender$500,000+

Par: 215% + Spread: 2% · 1-yr

Barclays All Caps Trailblazer 5 Index

participation