Securian Financial
A mutual financial-services company established in 1880 and headquartered in St. Paul, Minnesota - issuing annuities through Minnesota Life Insurance Company, with high financial-strength ratings across all four major agencies.
Financial strength
A+
AM Best
AA-
S&P Global
AA
Fitch
Aa3
Moody's
A+ / AA rated
Securian carries A+ from AM Best, AA- from S&P, AA from Fitch, and Aa3 from Moody's.
Mutual company
Securian Financial Group is a mutual financial-services organization, oriented to long-term policyholder interests.
St. Paul, MN
Headquartered in St. Paul, Minnesota since its founding.
Founded 1880
More than 140 years of operating history.
23M+ clients
Serves more than 23 million clients across the U.S. and Canada.
Run live numbers on Securian Financial products
Choose a product type, then select a current product. The analyzer shows the values returned for your premium, age, state, and timing, and leaves out fields that are not published for that selection.
Growth FIAs
Selected product: SecureLink Chronic Illness Access (1-year)
An accumulation-focused fixed indexed annuity group with index-linked crediting and, for some versions, premium-bonus designs.
Other current products
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Explore Securian Financial products
Securian Financial’s lineup, grouped by what each product group is built to do. Current rates are pulled from the daily carrier rate service.
Fixed Index Annuity - Growth
Index-linked annuities built for protected growth, with caps, participation rates, and fixed-account options surfaced from live product data.
- Growth-oriented FIAs grouped by accumulation purpose
- Individual product pages carry current rates, terms, riders, and disclosures
Best for: Buyers comparing principal-protected growth potential before opening a product page for the full live strategy set.
SecureLink Chronic Illness Access (1-year)
A seven-year-surrender accumulation fixed indexed annuity from tri-agency-rated Securian Financial with a built-in Accelerated Death Benefit for chronic-illness liquidity access, built around an S&P 500 annual point-to-point cap plus an MSCI EAFE cap and two proprietary participation strategies, with a six-figure premium minimum and no lifetime-income rider.
S&P 500 annual cap rate
8.5%
SecureLink Future (2-year)
A ten-year-surrender income-focused fixed indexed annuity from tri-agency-rated Securian Financial, built around the optional Achiever Lifetime Income GLWB rider that publishes a higher payout rate at a deferred start than at an immediate start, with an underlying crediting menu pairing a recognizable S&P 500 annual cap and two proprietary participation-rate indexes.
Lifetime payout (GLWB)
5.5%
SecureLink Ultra (1-year)
A two-chassis accumulation-focused fixed indexed annuity from tri-agency-rated Securian Financial — buyer picks between a shorter five-year and a longer seven-year surrender filing under one contract — built around an S&P 500 annual point-to-point cap plus trigger, participation, and multi-year cap alternatives on the same index and a Barclays All Caps Trailblazer 5 participation strategy, with a six-figure premium minimum and no lifetime-income rider.
S&P 500 annual cap rate
11.2%
Rates are pulled live from CANNEX via the AdvisorWorld data feed · 2026-06-26. Caps, payout rates, and guaranteed rates vary by state, premium band, and rider election — confirm current terms on each product page.
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Compare Securian Financial's live rates, carrier ratings, and product tradeoffs against alternatives in one personalized report.
Find your fit
Start with the job for the money, then open the live Securian product page that matches that goal.
How lifetime income builds
See how a guaranteed-income benefit can turn a premium into lifetime income using this carrier’s current income terms.
Lifetime withdrawal rate
5.5%
10-yr illustration
Income-base roll-up
8%
compound, up to 10 yrs
Annual fee
1.15%
benefit charge
Premium
$100,000
Income base · yr 10
$215,892
Annual lifetime income
$11,874
Simplified illustration using this income option’s current compound income-base roll-up over 10 years, then its 5.5% lifetime withdrawal rate. Index credits, interest bonuses, and step-ups can change the result; exact figures require a carrier illustration.
Company overview
What Securian Financial is
Securian Financial Group, Inc., established in 1880 and headquartered in St. Paul, Minnesota, is a mutual financial-services company serving more than 23 million clients across the U.S. and Canada, with life insurance, disability income protection, retirement plans, and fixed annuities.
Checked 2026-06-20 · ARHQ carrier coverage
Minnesota Life Insurance Company is a subsidiary of Securian Financial Group and is one of the primary issuing companies; Securian Life Insurance Company is the New York-authorized insurer.
June 2026 packet · Securian Financial research packet
On ARHQ, Securian product cards and the analyzer are intentionally live-data driven: the profile supplies story and context, while product availability, rates, riders, caps, and guaranteed terms come from CANNEX-backed feeds.
At render · ARHQ carrier-page architecture; CANNEX via AdvisorWorld
Scale, labeled
Founded
1880
More than 140 years of operating history.
Founded 1880 · Securian Financial research packet
Headquarters
St. Paul, MN
Headquartered in St. Paul, Minnesota.
June 2026 packet · Securian Financial research packet
Clients served
23M+
More than 23 million clients across the U.S. and Canada.
Checked 2026-06-20 · ARHQ carrier coverage
History highlights
Securian was founded in St. Paul, Minnesota in 1880 and has been headquartered there since.
Founded 1880 · Securian Financial research packet
The company has operated for more than 140 years and grown into a broad mutual financial-services organization.
June 2026 packet · Securian Financial research packet
Securian serves more than 23 million clients across the U.S. and Canada.
Checked 2026-06-20 · ARHQ carrier coverage
A mutual holding structure
Securian Financial Group, Inc. is the parent corporation of Minnesota Life Insurance Company and Securian Life Insurance Company, and operates as a mutual financial-services organization.
Checked 2026-06-20 · Securian Financial research packet; ARHQ carrier coverage
A mutual structure orients the company toward long-term policyholder interests rather than outside shareholders.
Checked 2026-06-20 · ARHQ carrier coverage
Both Minnesota Life and Securian Life are headquartered in St. Paul, Minnesota, with Securian Life serving as the New York-authorized insurer.
June 2026 packet · Securian Financial research packet
Financial strength
AM Best
A+
Superior financial-strength rating; stable outlook.
As of 12/2024
Securian Financial research packet
S&P Global
AA-
Very strong financial-strength rating.
June 2026 packet
Fitch
AA
Very strong financial-strength rating.
June 2026 packet
What makes Securian Financial different
Mutual, policyholder-oriented
As a mutual organization, Securian is structured around long-term policyholder interests rather than quarterly shareholder pressure.
Checked 2026-06-20 · ARHQ carrier coverage
Top-tier four-agency ratings
Securian holds A+ from AM Best, AA- from S&P, AA from Fitch, and Aa3 from Moody's - superior, very-strong financial-strength marks across all four major agencies.
Checked 2026-06-20 · Securian Financial research packet; ARHQ carrier coverage
Chronic-illness and income riders
Securian's SecureLink FIAs include a built-in chronic-illness accelerated death benefit on one chassis and an optional Achiever Lifetime Income GLWB on another, both resolved live on the product page.
At render · ARHQ product catalog; CANNEX via AdvisorWorld
Broad financial-services platform
Beyond annuities, Securian spans life insurance, disability income protection, and retirement plans, giving it a broader platform than a product-only annuity carrier.
June 2026 packet · Securian Financial research packet
About Securian Financial
Securian Financial Group, headquartered in St. Paul, Minnesota and established in 1880, is a mutual financial-services company that issues annuities through Minnesota Life Insurance Company and serves more than 23 million clients.
Checked 2026-06-20 · ARHQ carrier coverage; Securian Financial research packet
Securian holds high financial-strength ratings from all four major agencies and offers fixed indexed annuities and multi-year guaranteed annuities alongside life insurance, disability income, and retirement plans.
June 2026 packet · Securian Financial research packet
On ARHQ, the Securian slug maps to Minnesota Life product records; product pages stay product-specific and route each live product to its own page for current rates, riders, state availability, and disclosures.
At render · ARHQ carrier-page architecture; CANNEX via AdvisorWorld
Free Comparison Report
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Compare Securian Financial's live rates, carrier ratings, and product tradeoffs against alternatives in one personalized report.
Sources
- Securian Financial website — 2026-06-20
- Securian Financial / Minnesota Life research packet - overview, ownership, history, ratings, scale, and product architecture — June 2026 packet
- Live product catalog, rates, ratings confirmation, riders, and strategy metrics: CANNEX via AdvisorWorld public API — At render