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Fixed indexed deferred annuities

A link to a more secure future

SecureLink fixed indexed annuities are designed for clients seeking growth of their retirement assets plus the protection of guarantees. The SecureLink suite offers clients the opportunity to earn interest that’s linked to the changes in performance of an index. Certain products offer the opportunity to include additional income guarantees by selecting an optional living benefit, available for an additional cost.

SecureLink UltraTM 5 and 7

Make saving for the future more rewarding

SecureLink Ultra fixed indexed annuities help your clients combine growth potential plus protection while rewarding them with a loyalty bonus for sticking to their long-term retirement goals.

  
Contract type Fixed indexed deferred annuity
Maximum issue age 85 for either owner and/or annuitant
Purchase payments Minimum: $20,000; Maximum: $2 million; Additional purchase payments: Not permitted
Account options 6 indexed account options, plus a fixed account to allocate purchase payments
Rate banding Larger purchase payments eligible for higher rates (based on current environment)
  • <$100,000
  • $100,000 - $499,999
  • $500,000 or greater
Loyalty bonus A one-time bonus of additional interest applied on the 10th contract anniversary. Equal to the bonus rate multiplied by bonus base (purchase payment reduced dollar-for-dollar by withdrawals). Bonus rate applied on 10th anniversary:
  • SecureLink Ultra 5: 10%
  • SecureLink Ultra 7: 7%
Surrender charge SecureLink Ultra 5: (% = 9, 8, 7, 6, 5)
SecureLink Ultra 7: (% = 9, 8, 7, 6, 5, 4, 3)
Market Value Adjustment (MVA) May apply during the surrender charge period. An MVA can either increase or decrease the amount withdrawn from the annuity’s value.
Guaranteed Minimum Surrender Value Minimum amount available upon surrender, death or annuitization. Equal to 91% 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. Determined at contract issue and guaranteed for the life of the contract
Waiver of Surrender Charge and MVA After 1st contract anniversary for the following qualifying events:
  • Hospital, medical care stay
  • Terminal condition
Death benefit Greater of:
  • Contract value, or
  • Guaranteed Minimum Surrender Value

SecureLink FutureTM 7, 9 and 10

Save for the future with confidence

The SecureLink Future suite of fixed indexed annuities connects protection and growth for your clients’ retirement future. Achiever Lifetime Income, an optional living benefit (available for an additional cost), can be added to a SecureLink Future fixed indexed annuity to help your clients confidently prepare for the future.

  
Contract type Fixed indexed deferred annuity
Maximum issue age 80 for either owner and/or annuitant
Purchase payments Minimum: $10,000; Subsequent: $1,000. Allowed within the first six months; Maximum: $2 million
Surrender charge SecureLink Future 7 (%= 9, 8, 7, 6, 5, 4, 3)
SecureLink Future 9 (%= 9, 8, 7, 6, 5, 4, 3, 2, 1)
SecureLink Future 10 (%= 9.0, 8.1, 7.2, 6.3, 5.4, 4.5, 3.6, 2.7, 1.8, 0.9)
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. Determined at contract issue and guaranteed for the life of the contract.
Account options 3 indexed account options, plus a fixed account to allocate purchase payments
Death benefit Greater of contract value, or guaranteed minimum surrender value
Optional living benefit Achiever Lifetime Income -  Annual cost of 1.15% (Single and Joint)
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Products are issued by Minnesota Life 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 selling firms or broker dealers.
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. There are charges and expenses associated with annuities, such as surrender or deferred sales charges for early withdrawals. 
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.
Guarantees are subject to the financial strength and claims-paying ability of the issuing insurance company.
DOFU 4-2018
461598