AccumuLink Advance is not available for sale in NY and OR.
AccumuLink™ Advance offers a range of growth potential and protection making it an appealing choice for investors looking for a balance between security and market exposure. AccumuLink™ Advance includes customized solutions allowing clients the control to shape their own path.
85 for owner/annuitant
8%, 8%, 7%, 6%, 5%, 4% (6-year). The surrender charge percentage will be multiplied by the gross amount withdrawn in excess of the free withdrawal amount.
View a full breakdown of account options
Surrender charges are waived upon the following events:
Transfers must only involve accounts that are at the end of their respective crediting periods; no transfers may be made in the middle of a crediting period unless Performance Locking (more details below). Transfer requests must be received by the annuity service center no later than one business day prior to the end of the Crediting Period. Transfers will earn the renewal rate for the selected account.
The Account Value in each Indexed Account may be locked in once per Crediting Period, per Indexed Account. The locked Account Value will be automatically transferred to the Fixed Account, where it will accrue interest at the contract’s current Fixed Account interest rate. Locked funds may remain in the Fixed Account or may be reallocated to an available 1-year Indexed Account on any subsequent Contract Anniversary.
The account value on a given date is equal to the value of a given Indexed Account or Guaranteed Interest Account. The value in each Indexed Account is equal to the Crediting Base plus the Interim Value Adjustment. Partial withdrawals or annuitizations will reduce the contract value on a dollar-for-dollar basis.
Partial withdrawals or annuitizations will reduce the contract value on a dollar-for-dollar basis
The crediting base is tracked separately for each Indexed Account. Initially, it is set equal to the purchase payment in each account. At the end of each Crediting Period the Crediting Base will reset to the Account Value in each Indexed Account. Partial withdrawals and annuitization will reduce the Crediting Base on a pro-rata basis.
The Interim Value Adjustment is recalculated daily based on the crediting strategy, the value added to the crediting base that is based on hypothetical assets backing the crediting strategy, and the time remaining in the Crediting Period. Partial withdrawals and annuitization will reduce the Interim Value Adjustment on a pro-rata basis.
The free withdrawal amount is equal to 10% of the Contract Value as of the most recent Contract Anniversary (10% of Purchase Payments in the first Contract Year). Free Withdrawal is not applied at full surrender. It is the amount that you can withdrawal each year without incurring surrender charges. Required minimum distribution (RMD) in excess of free withdrawal amount.
Contract value
The GMSV for the Fixed Account is equal to the Purchase Payment allocated to the Fixed Account multiplied by the GMSV Purchase Payment Percentage (initially 87.5%) accumulated at the applicable GMSV Rate (1%-3%) and adjusted for any amounts withdrawn or transferred. Interest is credited to the GMSV daily.
The GMSV for each Indexed Account is equal to zero.
Optional Return of Purchase Payments Death Benefit
Accelerated Death Benefit1/Roll-Up Death Benefit with Enhanced Surrender Value2
An annuity is intended to be a long-term, tax-deferred retirement vehicle. Earnings are taxable as ordinary income when distributed, and if withdrawn before age 59½, may be subject to a 10% federal tax penalty. If the annuity will fund an IRA or other tax qualified plan, the tax deferral feature offers no additional value. Qualified distributions from a Roth IRA are generally excluded from gross income, but taxes and penalties may apply to non-qualified distributions. Please consult a tax advisor for specific information. There are charges and expenses associated with annuities, such as surrender charges (deferred sales charges) for early withdrawals.
Registered index-linked annuities are subject to ongoing fluctuations in value, and it is possible to lose a significant amount of principal due to negative index performance or a negative interim value adjustment.
All guarantees provided under this contract, including optional guaranteed death benefits, the crediting of any index credits earned at the end of a crediting period, interest, and annuity payments are subject to the financial strength and claims-paying ability of Minnesota Life Insurance Company. The guarantees have no bearing on the performance of any index that underlies an indexed account.
The Caps and Participation Rates offered may differ between new issue contracts and in-force contracts. Rates will vary from crediting period to crediting period, but will never be less than any contractually guaranteed minimums. We will notify your client of the current renewal rates for any available indexed accounts in advance of your expiring crediting period. Except for the Default Account, we may discontinue any indexed account option offered under the contract at the end of a crediting period.
Indexed accounts have a daily interim value adjustment that may be negative or positive and causes an indexed account’s value to fluctuate daily. The interim value adjustment may be negative, even if the underlying index performance is positive. A negative interim value adjustment may result in losses to the initial investment and previous index credits earned.
The protection provided by a Buffer, Floor, or Shift is only applied if funds are held in an indexed account until the crediting period is completed. Index credits are only applied if funds are held until the completion of a crediting period.
Fees for optional benefits will be deducted from the account value, and if deducted prior to the end of a multi-year crediting period, will reduce the amount of index credits received at the end of a crediting period.
We do not provide advice or recommendations on when it may be appropriate or inappropriate to exercise a Performance Lock. Clients assume all risks associated with a Performance Lock, including the risk that clients may experience a greater loss by exercising a Performance Lock than if clients had held their funds in the Indexed Account until the completion of the Crediting Period. The account value quoted to clients at the time clients request a Performance Lock may be higher or lower than the value determined at the time the Performance Lock is processed. Clients should consider discussing with their financial professional prior to requesting a Performance Lock.
S&P® is a registered trademark of Standard & Poor’s Financial Services LLC (“S&P”) and Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”). The forgoing trademarks have been licensed for use by S&P Dow Jones Indices LLC. S&P® and S&P 500® are registered trademarks of S&P and have been licensed for use by S&P Dow Jones Indices LLC and Minnesota Life Insurance Company (“Minnesota Life”). The S&P 500® index is a product of S&P Dow Jones Indices LLC and has been licensed for use by Minnesota Life. Minnesota Life Annuities are not sponsored, endorsed, sold or promoted by S&P Dow Jones Indices LLC, Dow Jones, S&P or their respective affiliates and neither S&P Dow Jones Indices LLC, Dow Jones, S&P nor their respective affiliates make any representation regarding the advisability of investing in such product(s). Index performance, if shown, does not include dividends.
The products referred to herein are not sponsored, endorsed, or promoted by MSCI, and MSCI bears no liability with respect to any such products or any index on which such products are based. The Contract contains a more detailed description of the limited relationship MSCI has with Minnesota Life and any related products. Index performance if shown does not include dividends.
These materials are for informational and educational purposes only and are not designed, or intended, to be applicable to any person’s individual circumstances. It should not be considered investment advice, nor does it constitute a recommendation that anyone engage in (or refrain from) a particular course of action. Securian Financial Group, Inc. and its subsidiaries have a financial interest in the sale of their products.
This material must be preceded or accompanied by the current AccumuLink Advance™ product prospectus. Refer to the prospectus and product materials for important information and disclosures concerning the product, charges and fees, account options, and indexes. Clients should carefully consider the investment objectives and risks of the registered index linked annuity before investing.
Policy form numbers: 18-70408, 18-70456, 19-70482, ICC24-72796, 24-72796 Rev 10-2024, ICC24-72797, 24-72797 Rev 10-2024, 24-72799.04, 24-72800.04, 24-72801.04, 24-72804.04, ICC24-72805, 24-72805 Rev 10-2024, ICC24-72806, 24-727806, ICC24-72805, 24-72808, ICC25-72882, 25-72882, ICC25-72883, 25-72883, ICC25-72884, 25-72884, ICC25-72886, 25-72886, and any state variations.
Not a deposit – Not FDIC/NCUA insured – Not insured by any federal government agency – Not guaranteed by any bank or credit union – May go down in value
For financial professional use only. Not for use with the public. This material may not be reproduced in any form where it is accessible to the general public.
DOFU 8-2025
4416683
