Skip to main content

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 annuities

Safety, certainty and guarantees

Securian offers fixed annuity product solutions for clients seeking the safety and security of guarantees – now and in the future.

SecureOption® Focus

SecureOption Focus, a fixed, deferred annuity, provides guaranteed options so your clients can stop worrying, and start preparing for an enjoyable future. Clients will enjoy tax-deferred compounding that enhances their long-term earnings, and the ability to create a future stream of income that can be guaranteed to last a lifetime.

  
Contract type Single Payment
Maximum issue age 88
Purchase payments Minimum: $10,000
Subsequent: $1,000 during 1st six months
Maximum: $2 million
Guarantee periods Initial: 1, 3, 5, 7 year initial guarantee periods
Thereafter: 1 year guarantee period
Deferred sales charge 7 years (%=7, 7, 7, 6, 5, 4, 3)
Return of purchase
payment guarantee1
Should your clients need to surrender their contract
Death benefit Contract value

SecureOption® Select

SecureOption Select2 is a fixed, deferred annuity with market value adjustment (MVA) offering a choice of interest rate guarantee periods and a 30-day window at the end of the chosen period providing flexibility for your client should their retirement needs change. The guarantees and freedom window help put your clients in charge of their retirement, providing safety and certainty on their terms.

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

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)

Fixed immediate annuities

Income for today – and tomorrow

IncomeToday!®

IncomeToday! is a single payment immediate annuity (SPIA) that can provide a guaranteed fixed income stream that can’t be outlived. IncomeToday! offers flexibility through a unique feature called the Advance Withdrawal Benefit, which allows clients to take a one-time advance on a portion of their future income when a Period Certain income option is selected.

  
Maximum issue age 90 for either owner and/or annuitant
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

Variable Annuities

Flexible solutions for your unique clients

Help achieve your clients’ retirement saving and income goals by offering Securian’s suite of MultiOption variable annuities. Featuring a variety of investment options for potential growth, and the opportunity to add optional living or death benefits (for an additional cost) for additional protection and potential growth, you can help clients find a solution that fits the lifestyle they envision.

Sell our annuity products

Learn more about licensing and getting appointed to sell.

Take the next step

Annuity product training

Complete NAIC annuity product training.

Visit Quest CE

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

263325