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Solutions to meet a wide range of needs

Providing tax-deferred earnings, death benefit protection and lifetime income options, an annuity can play an integral role in meeting your clients’ retirement income goals.

Securian provides a wide range of fixed, fixed indexed and variable annuity product solutions.

Fixed deferred

Fixed deferred annuities

Our SecureOption® fixed annuity products provide stability and a choice of guarantee periods.

 SecureOption® FocusSecureOption® Select
Contract type Single Payment Single Payment with MVA
Maximum issue age 88 90
Purchase payments Minimum: $10,000
Subsequent: $1,000 during 1st six months
Maximum: $2 million
Minimum: $5,000
Subsequent: N/A
Maximum: $2 million
Guarantee periods Initial: 1, 3, 5, 7 year initial guarantee periods
Thereafter: 1 year guarantee period
Initial: 5, 7, 9 year periods
Thereafter: Automatic renewal into same guarantee period
Deferred sales charge 7 years (%=7, 7, 7, 6, 5, 4, 3) 9 years (%=9, 9, 8, 7, 6, 5, 4, 3, 2)
Market value adjustment N/A Applies during guarantee period
Death benefit Contract value Contract value
More information

Download fact sheet (pdf)

Download fact sheet (pdf)

 

Products are issued by Minnesota Life Insurance Company or Securian Life Insurance Company. Some products and features may not be available in all states and features may vary by state.

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 Earnings are taxable as ordinary income when distributed, and if withdrawn before age 59½, may be subject to a 10% federal tax penalty.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 deferred sales charges for early withdrawals.

Fixed indexed deferred

Fixed indexed deferred annuities

Our SecureLink Future indexed annuity products offer protection and potential for growth of retirement income.

 SecureLink Future™ 7, 9 and 10
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, 0)
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
  • 1.15% (Single and Joint)
More information

Download SecureLink Future 7 fact sheet (pdf)

Download SecureLink Future 9 fact sheet (pdf)

Download SecureLink Future 10 fact sheet (pdf)

 

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.

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 charges for early withdrawals.

Fixed immediate

Fixed immediate annuity

Our IncomeToday!® single payment immediate annuity provides a guaranteed stream of income for your clients today and tomorrow.

 IncomeToday!
Maximum issue age 90
Purchase payment Minimum: $25,000
Subsequent: N/A
Maximum: $2 million without prior approval
Annuity income options Single life options:
  • Life only
  • Life with period certain (5-30 years)
  • Life with cash refund
  • Life with installment refund
Joint life options – (100%, 66.67%, 50% to survivor)
  • Joint life only
  • Joint life with period certain (5-30 years)
Period certain (5-30 years, based on availability)
Income frequency Monthly, quarterly, semi-annual, annual
Advance Withdrawal Benefit Available with all period certain options, it provides one-time access to a portion of future income
More information

Download fact sheet (pdf)

 

Products are issued by Minnesota Life Insurance Company or Securian Life Insurance Company.

Income payments and withdrawals from immediate annuities are generally taxable as ordinary income in the year in which taken. When purchased as part of an IRA or other qualified plan, the IRA or qualified plan already provides tax deferral of earnings and the annuity contract does not provide any additional tax deferred treatment of earnings. Withdrawals taken from a qualified plan prior to age 59½ may incur a 10% federal tax penalty. Qualified distributions from a Roth IRA are generally excluded from gross income, but taxes and penalties may apply to non-qualified distributions. This information should not be considered tax advice. Please consult a tax advisor for specific information.

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

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 deferred sales charges for early withdrawals.

Variable

Variable annuities

Our MultiOption® suite offers your clients investment flexibility, and attractive optional living and death benefit options, available for an additional cost.

 MultiOption Guide B SeriesMultiOption Extra
Contract type Flexible payment Flexible payment with 7% bonus feature (with vesting and recapture provisions)
Maximum issue age 85 80
Purchase payments Initial: $10,000
Subsequent: $500
Maximum: $1 million without prior approval 
Initial: $10,000
Subsequent: $500
Maximum: $1 million without prior approval
Annual cost Mortality and expense risk charge: 1.20%
Administrative charge: 0.15%
Maintenance fee: $50 (waived if contract value exceeds $50,000)
Mortality and expense risk charge:
  • Years 1-9: 1.70%
  • Thereafter: 1.10%
Administrative charge: 0.15%
Maintenance fee: $35 (waived if contract value exceeds $75,000)
Deferred sales charge

From each purchase payment: 7 years (% = 8, 8, 7, 6, 5, 4, 3, 0)


Waiver for hospital, medical care, terminal illness, annuitization

9 years from each purchase payment: (% = 6.5, 6.5, 5.9, 5.9, 5.9, 5, 4, 3, 2, 0)


Waiver for hospital, medical care, terminal illness, annuitization

Investment options More than 70 variable investment options, plus a 6- and 12- month DCA fixed account More than 80 variable investment options, plus a 6- and 12- month DCA fixed account
Optional living benefits

Download Guaranteed Minimum Accumulation Benefit (GMAB) (pdf)

  • SureTrack Plus 90 (1.30%)

Download MyPath Lifetime Income (pdf)

Download MyPath Rate Sheet (pdf)

  • Core Flex (1.20% Single, 1.30% Joint)
  • Ascend 2.0 (1.40% Single, 1.50% Joint)
  • Summit (1.40% Single, 1.50% Joint)
  • Value (0.55% Single, 0.65% Joint)

Download MyPath Lifetime Income (pdf)

Download MyPath Rate Sheet (pdf)

  • Core Flex (1.20% Single, 1.30% Joint)
  • Ascend 2.0 (1.40% Single, 1.50% Joint)
  • Summit (1.40% Single, 1.50% Joint)
  • Value (0.55% Single, 0.65% Joint)
Death benefit Greater of contract value or purchase payments adjusted pro-rata for withdrawals Greater of contract value or purchase payments adjusted pro-rata for withdrawals
Optional death benefits
  • MyPath Highest Anniversary (0.40% Single and Joint)
  • Highest Anniversary Value II (0.30%)
  • Premier II (0.80%)
  • Premier Protector (0.90%)
  • Estate Enhancement Benefit II (0.25%)

MyPath Highest Anniversary Death Benefits are only available with MyPath Core Flex or MyPath Value.

Download optional death benefits guide (pdf)

  • MyPath Highest Anniversary (0.40% Single and Joint)
  • Highest Anniversary Value II (0.30%)
  • Premier II (0.80%)
  • Estate Enhancement Benefit II (0.25%)

MyPath Highest Anniversary Death Benefits are only available with MyPath Core Flex or MyPath Value.

Download optional death benefits guide (pdf)

More information

Download MultiOption Guide B fact sheet (pdf)

Download MultiOption Extra fact sheet (pdf)

 

Products are issued by Minnesota Life Insurance Company. Not all products are available in all states and product features may vary by state. All variable annuities are not available in New York. Additionally when selecting optional benefits, the availability of other optional benefits in combination is limited. Certain optional benefits require the use of an approved asset allocation program.

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 deferred sales charges for early withdrawals. Variable annuities have additional expenses such as mortality and expense risk, administrative charges, investment management fees and rider fees. Variable annuities are subject to market fluctuation, investment risk and loss of principal.

Clients should consider the investment objectives, risks, charges and expenses of a portfolio and the variable insurance product carefully before investing. The portfolio and variable insurance product prospectuses contain this and other information. Clients may obtain a copy of the prospectus by contacting us and read the prospectus carefully before investing.

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Not a deposit  - Not FDIC/NCUA insured  - Not insured by any federal government agency  - Not guaranteed by any bank of credit union  - May go down in value

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, and its affiliates, have a financial interest in the sale of its products.

Not all products, features and optional benefits are available from all selling firms or broker dealers. This information should not be considered tax advice. Clients should consult their tax advisor regarding their own tax situation.

Guarantees are subject to the financial strength and claims-paying ability of the issuing insurance company. The guarantees have no bearing on the variable investment performance.

DOFU 10-2017

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