Skip to main content
Securian Financial Home
Search
Search

Registered index-linked annuities

Growth with confidence. Protection with purpose.

Many pre-retirees are looking for ways to minimize exposure to market risks. But it's likely that their long-term financial goals require their assets to grow over time. An option that allows you to balance risk and potential returns, and adjust that balance over time, might be a great fit to help you achieve your goals.

Registered index-linked annuities (RILAs) are retirement products designed to reduce downside risks against market losses, while still providing the potential for growth - a direct trade-off between protection and maximum returns.

How RILAs work

A Registered Index-Linked Annuity (RILA) links your returns to a market index, such as the S&P 500, allowing for gains when the market rises. It also includes a buffer or floor to limit losses during downturns. You can customize your risk exposure by selecting how much loss you're willing to tolerate and how much of the index upside you could earn.

RILAs are a good option for those seeking a middle ground between fixed and variable annuities, balancing risk with growth for their retirement strategy.

Receiving income

When you’re ready to begin receiving income from your annuity, you can withdraw money from your contract or select from a range of income options.

These options help structure an income that’s guaranteed for your lifetime, a set period of time, for two joint lives, and/or to provide for beneficiaries.

Benefits to you

  • Growth potential by capturing positive returns from a number of indices
  • Range of alternatives to protect against negative index performances
  • Built-in flexibility for changing protection levels or growth strategies
  • The ability to accumulate savings faster through tax-deferred compounding and no investment fees
  • Options for accessing your contract value down the road
Calculator

How do I purchase an annuity?

Our annuities may be purchased through a financial professional. To see how much you may need to save for retirement, use our easy-to-follow calculator.

Start calculating

Preparing for retirement in your 40s and 50s: questions to ask yourself

As you enter your 40s and 50s, ask yourself these key retirement preparation questions to check in on savings, insurance needs and other ways to prep.

Related articles

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. 

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.

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

Some products and features may not be available in all states and features may vary by state. 

When you save for retirement with a fixed indexed annuity, you’re not actually investing in the stock market and you’re not participating in any stock or equity investments. 

A purpose of the method of marketing is solicitation of insurance and that contact will be made by an insurance agent or agency. 

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

DOFU 9-2025

4626354