Registered index-linked annuity
AccumuLink Advance
A Securian accumulation RILA offering both buffer and floor protection across a diversified index menu.
Buffer
20%
Protection terms vary by segment and do not make the contract principal-protected.
RILA contracts can offer index-linked upside with a stated buffer, floor, or downside participation rule. They can still lose value under market and contract conditions, and they are not MYGA-style fixed-rate guarantees.
Product data status: July 16, 2026
Source: AdvisorWorld public product detail from CANNEX. Rates vary by state, premium band, issue age, index segment, and crediting term. RILA buffers, floors, downside participation, caps, participation rates, fixed rates, and spreads are separate point-in-time contract mechanics; they can change and are not guaranteed yields. Educational only; not advice, a quote, or a carrier-approved illustration. Confirm the current prospectus, state-approved contract version, and carrier materials before purchase. Guarantees are backed by the issuing carrier's claims-paying ability and are not FDIC-insured.
How this product works
How this product’s protection choices work
For buffer segments, the insurer absorbs the first 20% of a linked-index loss for that segment term. If the index falls by more than the buffer, the contract loses value by the amount beyond it. For floor segments, the buyer's linked-segment loss is capped at 0%, subject to the contract terms. A floor limits the maximum segment loss; it does not absorb the first part of a loss like a buffer. These are forms of limited downside protection, not principal protection.
Because this is an SEC-registered product, compare the current prospectus, contract, segment term, crediting limit, fees, and surrender rules before purchase.
Downside-aware simulator
Test an index segment outcome
Principal is not protected. This educational one-segment scenario can gain or lose value and is not a carrier illustration.
Starting value
$100,000
Segment return
-5.00%
Ending value
$95,000
Buffer: credited loss = min(0, index return + buffer). Floor: credited loss = max(index return, −floor). Upside participation is applied before any cap; an annual strategy fee is compounded across the listed segment term.
Buffer
20%
S&P 500 Index · 1-year term · Point-to-point · Annual
Downside buffer for the listed index-linked segment; losses beyond the buffer can still apply.
Floor
0%
S&P 500 Index · 1-year term · Point-to-point · Annual
Downside floor for the listed segment; it is a protection rule, not a fixed credited rate.
State coverage
Not shown
Availability should be confirmed for the client's state and contract version.
Best current strategy by index and term
Scenario: $100,000 premium, issue age 60, Texas unless state-restricted. Source: AdvisorWorld CANNEX RILA detail. Information current as of July 16, 2026.
Fixed Account
1-year term · Fixed account
Protection
Not shown
Fixed
4%
Janus Henderson Equity Directionality TR Index
1-year term · Point-to-point · Best of 3 available options
Buffer
1%
Participation
125%
Janus Henderson Equity Directionality TR Index
6-year term · Point-to-point · Best of 3 available options
Buffer
1%
Participation
140%
MSCI EAFE Index
1-year term · Point-to-point · Best of 3 available options
Buffer
1%
Participation
120%
MSCI EAFE Index
1-year term · Point-to-point
Buffer
10%
Cap
23%
MSCI EAFE Index
6-year term · Point-to-point · Best of 3 available options
Buffer
1%
Participation
140%
Nasdaq-100 Index
1-year term · Point-to-point · Best of 3 available options
Buffer
1%
Participation
100%
Nasdaq-100 Index
1-year term · Point-to-point
Buffer
10%
Cap
24%
Nasdaq-100 Index
6-year term · Point-to-point · Best of 3 available options
Buffer
1%
Participation
100%
S&P 500 Index
1-year term · Point-to-point · Best of 2 available options
Buffer
10%
Cap
17.25%
S&P 500 Index
1-year term · Point-to-point · Best of 4 available options
Buffer
1%
Participation
105%
S&P 500 Index
1-year term · Point-to-point
Floor
0%
Cap
6.75%
S&P 500 Index
6-year term · Point-to-point · Best of 3 available options
Buffer
1%
Participation
116%
What stands out
- • The current menu includes both buffer and floor-style downside protection.
- • Several recognizable equity indexes sit beside a proprietary directionality index.
- • Securian's issuing carrier carries an A-plus A.M. Best rating in the live data.
What to watch
- • Buffer and floor segments limit losses differently; the protection label must be read with the exact segment mechanics.
- • Market losses can still reduce contract value, and withdrawals before segment maturity can affect credited results.
- • No current guaranteed lifetime-income rider appears on this accumulation contract version.
Who it may fit
Buyers who want to choose between distinct RILA downside structures and can hold through segment maturities.
Who should look elsewhere
Buyers who need a fixed principal guarantee, immediate liquidity, or contractually guaranteed lifetime income.
Liquidity
Free withdrawal: 10%/yr
Surrender periods shown: 6
Premium range
Minimum: Not shown
Maximum: Not shown
Documents
No carrier documents are currently available for this product.
Surrender schedule
Carrier ratings
AM Best: A+ — Superior
S&P: AA — Very strong
Moody's: Aa3 — Excellent
S&P: AA- — Very strong
Prospectus and documents
This is an SEC-registered product. Read the current prospectus and state-approved contract for segment rules, fees, withdrawals, and surrender terms.
RILA questions
Can this product lose value?
Yes. Principal is not protected; linked segments can lose value when negative index performance exceeds the selected protection or under other contract terms.
How are a buffer and floor different?
A buffer absorbs the first stated portion of a loss and passes through the excess. A floor caps the segment loss at the stated amount.
What limits positive returns?
Depending on the segment, a cap, participation rate, spread, strategy fee, or combination can limit credited upside.
Structured product features
Free withdrawal
10%/yr
Annual amount that may be available without surrender charges, subject to contract terms.
Surrender waivers
3
Nursing home waiver, RMD waiver, Terminal illness waiver
Death benefit
Accelerated Death Benefit Rider
Beneficiary value depends on contract terms, withdrawals, and rider elections.
Cap-rate floor
1.00%
Minimum guaranteed cap for cap-based indexed strategies.
Fixed account guarantee
1.00%
Guaranteed minimum interest rate for the fixed account.
Participation-rate floor
10.00%
Minimum guaranteed participation rate for participation-rate indexed strategies.
Maximum protection floor
0.00%
Maximum protection floor: 0.00%
Annuitization options
Single and joint
Contract conversion options should be confirmed before purchase.