RILAs are popular because they check a lot of boxes for clients, and they have consistently taken up more of the annuity market share in the last few years. Creating a second generation product allowed us time to evaluate needs, identify gaps and build upon the first wave of products.
Our mission was to evolve the marketplace by creating a combination of features and benefits your clients haven’t seen before.
A brief state of the union on the industry and where we fit.
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Product details
Use our calculator to play around with different scenarios and see how the various crediting strategies will impact the results.
Try the calculatorAccumuLink Advance offers a range of index crediting strategies that should be considered when making investment decisions. The features highlighted are a few of many available.
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 Earnings are taxable as ordinary income when distributed, and if withdrawn before age 59½, may be subject to a 10% federal tax penalty.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. The rates you receive will vary from crediting period to crediting period, but will never be less than any contractually guaranteed minimums. We will notify you 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 your 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 your account value, and if deducted prior to the end of a multi-year crediting period, will reduce the amount of index credits you may receive at the end of a crediting period.
Registered index-linked annuities are sold by prospectus. Your clients should consider the investment objectives, risks, charges and fees of the product carefully before investing. Please see the registered index-linked product prospectus for this, and other important, information.
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