SecureOption Focus
Securian Financial
3.75%
5-yr guarantee
10%
Free W/D
53
Jurisdictions
Live product data
Rates as of May 29, 2026, based on the latest AdvisorWorld scan of CANNEX data.
5-year guaranteed rate
3.75% guaranteed for 5 years
A broadly-distributed retail multi-year guaranteed annuity from tri-agency-rated Securian Financial with one, three, five, and seven-year guarantee periods, a seven-year declining surrender ladder, an annual free-withdrawal allowance, nursing-home, terminal-illness, and RMD waivers, and availability across the U.S. plus the territories — including New York, where the carrier's higher-rate sibling MYGA filing is not offered.
Best fit
Buyers who want a multi-year rate guarantee from a tri-agency-rated carrier with broad state and territory availability — including New York — who value the choice of one, three, five, or seven-year terms in one filing, and who are comfortable trading off the higher rates of the carrier's premium-band sibling for the broader-market filing's wider footprint.
AM Best
A+ Superior
Surrender period
7 years
Free withdrawal
10%/yr
Availability
53 jurisdictions
Product analyst notes
How to think about this contract
Why it can stand out
- Carrier financial-strength is rated by three independent agencies (A.M. Best, Standard & Poor's, and Moody's), so the strength view backing the multi-year guarantee is not a single-source read — meaningful reassurance when locking principal for a multi-year window.
- Broadly-distributed retail filing — the live feed shows this contract is available across the U.S. plus the territories of Guam and the Virgin Islands. Unlike many top-shelf MYGA filings that drop New York, this filing is filed for New York buyers as well.
- Multi-term menu with one, three, five, and seven-year guarantee periods published on the live feed, so a buyer can pick a short one-year hold or step up to a seven-year rate-lock inside the same contract rather than choosing between separate single-term filings.
- Annual free-withdrawal allowance plus nursing-home, terminal-illness, and RMD waivers — listed on this page from the live feed — alongside both single and joint annuitization options.
What to confirm
- Posted guaranteed rates on this filing are materially lower than the carrier's higher-band sibling SecureOption Choice filing. The two filings are positioned for different premium-band buyers — Focus is the broad retail filing, Choice is the higher-deposit filing — so do not assume the headline rate on this page is the best Securian rate available for a larger deposit; compare against the sibling filing before signing.
- Posted rates reflect a specific premium-band and issue-age scenario from the live feed; lower deposit-size bands within this filing earn lower rates than the headline. Confirm the actual band-specific rate for the planned deposit before relying on the headline.
- The seven-year declining surrender ladder is longer than the one-year and three-year guarantee periods on the menu — a buyer who picks a one-year or three-year guarantee stays inside a seven-year surrender ladder for years after the rate guarantee ends. Confirm what happens to the rate after the initial guarantee period before choosing a short term.
- There is no premium bonus, no death-benefit roll-up or step-up, and no guaranteed-lifetime-withdrawal rider on this filing — this contract is built for broad-market rate certainty over a chosen guarantee period, not for legacy enhancement, an upfront bonus, or guaranteed lifetime income.
Not ideal for
Buyers who want the carrier's highest-rate MYGA (the sibling SecureOption Choice filing is positioned for that — outside New York), buyers who want short-window liquidity inside the seven-year surrender ladder, need market-linked upside through index crediting, expect a premium bonus or death-benefit roll-up, or want a guaranteed-lifetime-withdrawal rider.
Guaranteed Rates by Term
| Term | Guaranteed Rate |
|---|---|
| 1-Year | 4.5% |
| 3-Year | 3.75% |
| 5-Year | 3.75% |
| 7-Year | 3.75% |
Key Features
Free withdrawal
10%/yrAnnual amount that may be available without surrender charges, subject to contract terms.
Surrender waivers
3Nursing home waiver, RMD waiver, Terminal illness waiver
Death benefit
Standard Death BenefitBeneficiary value depends on contract terms, withdrawals, and rider elections.
Annuitization options
Single and jointContract conversion options should be confirmed before purchase.
Fund types
Non-qualified, QualifiedAvailability can vary by state and product terms.
Surrender Schedule
Yr 1
7%
Yr 2
7%
Yr 3
7%
Yr 4
6%
Yr 5
5%
Yr 6
4%
Yr 7
3%
After
0%
Nursing home waiver, RMD waiver, Terminal illness waiver, Surrender waivers
Carrier Ratings
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