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SecureLink® Future 7

Provide a link to a more secure future

The SecureLink Future 7 fixed indexed annuity connects protection and growth for your clients’ retirement future.


Product highlights

  • Maximum issue age 80
  • 7-year surrender charge period
  • Five account options to allocate purchase payments
  • Achiever Lifetime Income, an optional guaranteed lifetime withdrawal benefit (GLWB), available for an additional cost

More about Achiever Lifetime Income

For guaranteed income, flexibility and growth opportunities

For clients seeking guaranteed income for life and guaranteed growth of future income, SecureLink Future offers the Achiever Lifetime Income optional benefit. This benefit allows clients the flexibility to take withdrawals via the Guaranteed Annual Income from the contract for life, even if the contract value falls to zero (unless clients make excess withdrawals).

Achiever Lifetime Income also offers opportunities that guarantee growth of future income, regardless of the performance of the SecureLink Future account options.

Product details

Product details

Issue age maximum

80 either for annuitant and/or owner

Purchase payment

  • Minimum: $10,000
  • Maximum: $2,000,000
  • Additional Purchase Payments
    • Minimum $1,000 (allowed during first six months)
    • Purchase payments received after the issue date are deposited into an interim guaranteed interest account and transferred to the current allocation on the next contract anniversary1

Indexed Accounts2

S&P 500® Index

  • 1-Year Point-to-Point with Cap
  • 2-Year Point-to-Point with Cap

Barclays All Caps Trailblazer 5 Index

  • 1-Year Point-to-Point with Participation Rate

SG Climate Prepared Index

  • 1-Year Point-to-Point with Participation Rate

Guaranteed Interest Accounts2

Fixed Account* - 1 Year

  • Interim Account - for additional purchase payments made within the first six months

*If Achiever Lifetime Income optional benefit is elected, no more than 75% of the initial purchase payment may be allocated to the fixed account.

Surrender charge on withdrawals in excess of waived or free withdrawal amounts

(% = 9, 8, 7, 6, 5, 4, 3)

Free withdrawal — not available on surrender

After the first contract anniversary,

  • 10% of prior contract anniversary value
  • RMD in excess of 10%

Surrender charges are also waived upon annuitization or death. Guaranteed Annual Income withdrawals under the Achiever Lifetime Income benefit are always free from surrender charges.


Available on contract anniversaries at the end of each Crediting Period. Transfers will earn the renewal rate for the selected strategy.

Guaranteed Minimum Surrender Value

Minimum amount available upon surrender, death or annuitization. Equal to 87.5% of purchase payments accumulated at a guaranteed rate of interest (1% - 3%), adjusted for withdrawals. The guaranteed interest rate may vary between the indexed and guaranteed interest accounts but will be determined at contract issue and guaranteed for the life of the contract.

Death benefit

Greater of:

  • Contract value, or
  • Guaranteed Minimum Surrender Value

1. With the exception of values in a 2-Year strategy. Interim Account values are not eligible for transfer into a 2-Year strategy and will be transferred to the Fixed Account, unless otherwise instructed.

2. Minimum crediting rates, caps and participation rates are set at contract issue and guaranteed during the surrender charge period. The indexes are not available for direct investment.

Optional benefits

Optional benefits

Achiever Lifetime Income

Achiever Lifetime Income is for clients seeking guaranteed income for life.

Benefit: Guarantees lifetime income via lifetime withdrawals beginning at the Benefit Date

Roll-up: 8% for each year of no withdrawals during first 10 years

Growth Potential: 200% Benefit Base Guarantee on 10th contract anniversary (if no prior withdrawals) and Annual Reset

Cost: 1.15% (Single and Joint)

Issue age: 80 or younger

GAI is not protected if an excess withdrawal is taken that causes the contract value to fall to zero.

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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 nonqualified 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.

The Achiever Lifetime Income optional living benefit establishes a Benefit Base for calculating guaranteed annual income. The Benefit Base provides no minimum contract value and is not available for withdrawal. Withdrawals exceeding allowed guidelines, or taken before the Benefit Date, may have a negative impact on the guarantees of this optional benefit. All withdrawals reduce contract value. In years where the interest earned is less than the annual benefit charge, the contract value will decrease. The guarantees are subject to the financial strength and claims-paying ability of the issuing insurance company. This benefit cannot be cancelled. The benefit is available on a single or joint life basis for an additional cost with a fixed indexed annuity based on state approval.

Guarantees are subject to the financial strength and claims-paying ability of the issuing insurance company.

Some products and optional features may not be available in all states and features may vary by state. Not all products, features and optional benefits are available from all firms.

The indexes are not available for direct investment.

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.

Barclays Bank PLC and its affiliates (“Barclays”) is not the issuer or producer of Minnesota Life Insurance Company (“Minnesota Life”) Annuities and Barclays has no responsibilities, obligations or duties to contract owners of Minnesota Life Annuities. The Barclays All Caps Trailblazer 5 Index is a trademark owned by Barclays Bank PLC and licensed for use by Minnesota Life as the Issuer of Minnesota Life Annuities. While Minnesota Life may for itself execute transaction(s) with Barclays in or relating to the Barclays All Caps Trailblazer 5 Index in connection with Minnesota Life Annuities, contract owners acquire Minnesota Life Annuities from Minnesota Life and contract owners neither acquire any interest in Barclays All Caps Trailblazer 5 Index nor enter into any relationship of any kind whatsoever with Barclays upon making an investment in Minnesota Life Annuities. The Minnesota Life Annuities are not sponsored, endorsed, sold or promoted by Barclays and Barclays makes no representation regarding the advisability of the Minnesota Life Annuities or use of the Barclays All Caps Trailblazer 5 Index or any data included therein. Barclays shall not be liable in any way to the Issuer, contract owners or to other third parties in respect of the use or accuracy of the Barclays All Caps Trailblazer 5 Index or any data included therein.

The SG Climate Prepared Index (the “Index”) is the exclusive property of Société Générale and its affiliates (collectively, “SG”).  Société Générale has contracted with S&P Opco, LLC (a subsidiary of S&P Dow Jones Indices LLC) (“S&P”) to maintain and calculate the Index.  “SG Americas Securities, LLC”, “SGAS”, “Société Générale”, “SG”, “Société Générale Indices”, “SGI”, and “SG Climate Prepared Index” (collectively, the “SG Marks”) are trademarks or service marks of SG or have been licensed for use by agreement with Entelligent Inc. (“Entelligent”) and/or other third parties. SG has licensed use of the SG Marks to Minnesota Life Insurance Company (“Licensee”) and sub-licensed the use of certain Entelligent marks and/or other third-party marks (the “Third-Party Marks”) for use in a fixed indexed annuity offered by Licensee (the “Fixed Indexed Annuities”). SG’s sole contractual relationship with Licensee is to license the Index and the SG Marks and sub-license the Third-Party Marks to Licensee.  

None of Société Générale, S&P, Entelligent or other third party licensor (collectively, the “Index Parties”) to Société Générale is acting, or has been authorized to act, as an agent of Licensee or has in any way sponsored, promoted, solicited, negotiated, endorsed, offered, sold, issued, supported, structured or priced any Fixed Indexed Annuities or provided investment advice to Licensee, and no Index Party makes any representation whatsoever as to the advisability of purchasing, selling or holding any product linked to the Index, including the Fixed Indexed Annuities.  No Index Party shall have any liability with respect to the Fixed Indexed Annuities in which an interest crediting option is based on the Index, and is not liable for any loss relating to the Fixed Indexed Annuities, whether arising directly or indirectly from the use of the Index, its methodology, any SG Mark, Third-Party Marks or otherwise.  Obligations to make payments under the Fixed Indexed Annuities are solely the obligation of Licensee.  The selection of the Index as a crediting option under a Fixed Indexed Annuity does not obligate Licensee or Société Générale to invest annuity payments in the components of the Index. 

In calculating the performance of the Index, SG deducts a maintenance fee of 0.50% per annum on the level of the Index, and fixed transaction and replication costs, each calculated and deducted on a daily basis. The transaction and replication costs cover, among other things, rebalancing and replication costs.  The total amount of transaction and replication costs is not predictable and will depend on a number of factors, including the leverage of the Index, which may be as high as 200%, the performance of the indexes underlying the Index, market conditions and the changes in the market environments, among other factors. The transaction and replication costs, which are increased by the Index’s leverage, and the maintenance fee will reduce the potential positive change in the Index and increase the potential negative change in the Index. While the volatility control applied by the Index may result in less fluctuation in rates of return as compared to indices without volatility controls, it may also reduce the overall rate of return as compared to products not subject to volatility controls. 

DOFU 7-2021