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Fixed Indexed Annuity

SecureLink Chronic Illness Access

Securian Financial

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8.5%

Best Cap

10%

Free W/D

48

Jurisdictions

Product data status: June 26, 2026

Rates, state availability, rider terms, and contract language must be confirmed with a licensed financial advisor or insurance professional before purchase. Guarantees are backed by the issuing insurer.

Model this product

See what SecureLink Chronic Illness Access would do for you

Set your numbers and switch between growth, income, and liquidity. Index losses credit 0% — the floor — so a down market never reduces your value.

Product analyzer
Illustrative — live CANNEX rates as of June 26, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$309,222
Est. value at age 80 (SecureLink Chronic Illness Access)
0%
Floor — index losses never reduce value
SecureLink Chronic Illness Access
✦
How crediting works: the cap limits positive index returns; a down year credits 0%, never a loss. A cap strategy tracks the index within its terms. What is a cap vs participation? →
Assumptions: illustrative — applies SecureLink Chronic Illness Access's published cap rate (9.5% on MSCI EAFE Index) to a hypothetical index path (~5.4%/yr average, including down years) with a 0% floor over 20 years. Not a projection, quote, or guarantee. Live CANNEX rates as of June 26, 2026.

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See how SecureLink Chronic Illness Access compares for your age, state, premium, and income goals alongside other Securian Financial fixed indexed annuity options.

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Live rate data

Run live numbers for SecureLink Chronic Illness Access

Current rates, riders, crediting strategies, state availability, and contract facts stay scoped to this Securian Financial product.

Live product data

Rates as of June 26, 2026, based on the latest AdvisorWorld scan of CANNEX data.

S&P 500 annual cap rate

8.5% cap on S&P 500

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.

1-year termAdvisorWorld + CANNEX data

Best fit

Buyers with a six-figure deposit who want index-linked accumulation through a recognizable S&P 500 cap plus alternative participation strategies, value the Accelerated Death Benefit's chronic-illness liquidity bridge as a layer of legacy and contingency protection, and accept a seven-year deferral on a tri-agency-rated carrier.

AM Best

A+ Superior

Surrender period

7 years

Free withdrawal

10%/yr

Availability

48 jurisdictions

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

8.5% cap rate

1-year term · 7-year surrender · $100,000+

Rate varies by premium band.

Fixed Account

Fixed Account

4.5% declared rate

1-year term · 7-year surrender · $100,000+

Rate varies by premium band.

+ 6 additional crediting options (MSCI EAFE, Barclays All, SG Climate...)
View rate listings (10 rows)

These are the current crediting strategy listings returned for this product. Use the filters to narrow by index, term, premium band, or rate type.

Par: 190% · 1-yr

Barclays All Caps Trailblazer 5 Index

participation

7-yr surrender$100,000+

Par: 190% · 1-yr

SG Climate Prepared Index

participation

7-yr surrender$100,000+

Cap: 9.5% · 1-yr

MSCI EAFE Index

cap

7-yr surrender$100,000+

Cap: 8.5% · 1-yr

S&P 500 Index

cap

7-yr surrender$100,000+

Fixed: 4.5% · 1-yr

Fixed Account

fixed

7-yr surrender$100,000+

Par: 180% · 1-yr

Barclays All Caps Trailblazer 5 Index

participation

7-yr surrenderUp to $99,999.99

Par: 180% · 1-yr

SG Climate Prepared Index

participation

7-yr surrenderUp to $99,999.99

Cap: 9.1% · 1-yr

MSCI EAFE Index

cap

7-yr surrenderUp to $99,999.99

Cap: 8.1% · 1-yr

S&P 500 Index

cap

7-yr surrenderUp to $99,999.99

Fixed: 4.3% · 1-yr

Fixed Account

fixed

7-yr surrenderUp to $99,999.99

Product analyst notes

How to think about this contract

Why it can stand out

  • Death benefit on this filing is an Accelerated Death Benefit rather than the standard contract value — a chronic-illness liquidity bridge is built into the death-benefit mechanic, so a buyer facing a qualifying chronic-illness condition can access contract value early through that mechanic rather than only through the surrender ladder or annual free-withdrawal allowance.
  • Carrier financial-strength is rated by three independent agencies (A.M. Best, Standard & Poor's, and Moody's), so the strength view backing both the accumulation rate menu and the accelerated death benefit is triangulated rather than single-sourced.
  • Crediting menu pairs a recognizable S&P 500 annual point-to-point cap with an MSCI EAFE annual cap and two participation-rate strategies on the proprietary Barclays All Caps Trailblazer 5 and SG Climate Prepared indexes, plus a fixed-account option — so the contract can express either a like-for-like S&P comparison or higher-participation alternatives.
  • Surrender ladder runs seven years rather than the ten-year schedule common on bonus-paying FIAs, with an annual free-withdrawal allowance visible on the page — a shorter deferral commitment than many of the carrier's longer-surrender peers.

What to confirm

  • This contract is NOT a guaranteed-lifetime-withdrawal product. The live feed shows no optional GLWB rider attached — buyers who need a contractually published lifetime-withdrawal rate should look at Securian's SecureLink Future filing (the GLWB-rider sibling in the SecureLink family), not this contract. The 'chronic illness' in the product name refers to the accelerated-death-benefit feature, not a lifetime income mechanism.
  • This is a higher-premium-band contract — the live feed quotes against a six-figure deposit minimum. Deposits below that threshold will quote on a different filing in the carrier's shelf with different rates and terms, so confirm the deposit size before relying on this page's headline cap.
  • The chronic-illness accelerated-death-benefit mechanic is governed by qualifying-condition triggers that vary by state and by carrier definition. The page shows the feature label from the live feed but the actual eligibility, payout pattern, and any reductions to remaining contract value need to be confirmed in the filed contract before relying on it as a liquidity backstop.
  • Filed across most jurisdictions but NOT available in New York, Massachusetts, or Washington. The two proprietary participation indexes (Barclays All Caps Trailblazer 5 and SG Climate Prepared) are volatility-controlled benchmarks; their participation rates can look high in absolute terms but are not directly comparable to an uncontrolled S&P 500 cap and need to be evaluated on their own historical behavior.

Not ideal for

Buyers below the carrier's six-figure premium minimum, buyers who need a contractually guaranteed lifetime-withdrawal rate (no GLWB rider on this filing — see the SecureLink Future sibling instead), buyers who need a standard non-accelerated death benefit on a different filing for legacy planning, or residents of New York, Massachusetts, or Washington where this contract is not offered.

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See how SecureLink Chronic Illness Access compares for your age, state, premium, and income goals alongside other Securian Financial fixed indexed annuity options.

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All crediting strategies

View rate listings (10 rows)

These are the current crediting strategy listings returned for this product. Use the filters to narrow by index, term, premium band, or rate type.

Par: 190% · 1-yr

Barclays All Caps Trailblazer 5 Index

participation

7-yr surrender$100,000+

Par: 190% · 1-yr

SG Climate Prepared Index

participation

7-yr surrender$100,000+

Cap: 9.5% · 1-yr

MSCI EAFE Index

cap

7-yr surrender$100,000+

Cap: 8.5% · 1-yr

S&P 500 Index

cap

7-yr surrender$100,000+

Fixed: 4.5% · 1-yr

Fixed Account

fixed

7-yr surrender$100,000+

Par: 180% · 1-yr

Barclays All Caps Trailblazer 5 Index

participation

7-yr surrenderUp to $99,999.99

Par: 180% · 1-yr

SG Climate Prepared Index

participation

7-yr surrenderUp to $99,999.99

Cap: 9.1% · 1-yr

MSCI EAFE Index

cap

7-yr surrenderUp to $99,999.99

Cap: 8.1% · 1-yr

S&P 500 Index

cap

7-yr surrenderUp to $99,999.99

Fixed: 4.3% · 1-yr

Fixed Account

fixed

7-yr surrenderUp to $99,999.99

Income riders

Accumulation-focused — no income rider

This contract is designed for tax-deferred accumulation, not guaranteed lifetime income. No GLWB rider was returned because none is part of the contract design — compare against other accumulation FIAs on cap, participation rate, and surrender terms rather than lifetime income.

Common questions about SecureLink Chronic Illness Access

● Can I lose money in SecureLink Chronic Illness Access?

In a year the index falls, SecureLink Chronic Illness Access credits 0% — the floor — so your account value does not drop from market losses. Up to 10% of your value can be withdrawn each year without a charge; withdrawals above the penalty-free amount during the surrender period can incur a surrender charge.

● When can I access my money without a surrender charge?

Up to 10% of your account value each year is penalty-free. The surrender period runs 7 years; after that you reach full liquidity. The Liquidity tab of the analyzer shows the year-by-year surrender charge.

● How does SecureLink Chronic Illness Access compare to other FIAs?

Use "Compare against" in the analyzer to overlay SecureLink Chronic Illness Access with a competing product on the same growth path and see a side-by-side spec row. The better fit depends on your goal — accumulation, income, or liquidity — and the comparison shows where each product leads.

Key Features

Free withdrawal

10%/yr

Annual amount that may be available without surrender charges, subject to contract terms.

Surrender waivers

1

RMD waiver

Death benefit

Accelerated Death Benefit

Beneficiary value depends on contract terms, withdrawals, and rider elections.

Strategy guarantee

Minimum guaranteed cap: 1.00%

Strategy guarantee

Guaranteed minimum interest rate (fixed): 0.50%

Strategy guarantee

Minimum guaranteed participation: 10.00%

Annuitization options

Single and joint

Contract conversion options should be confirmed before purchase.

Fund types

Non-qualified, Qualified

Availability can vary by state and product terms.

Surrender schedule

Yr 1

9%

Yr 2

8%

Yr 3

7%

Yr 4

6%

Yr 5

5%

Yr 6

4%

Yr 7

3%

After

0%

RMD waiver, Surrender waivers

Documents

product guide

SecureLink_Chronic_Illness_Access_Fact_Sheet.pdf

Confidence: highReviewed Apr 8, 2026

Direct link not published — request the document from the carrier.

Carrier Ratings

AM BestA+
S&PAA
Moody'sAa3
S&PAA-

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

SecureLink Chronic Illness Access currently shows 10 indexed or fixed crediting options, including S&P 500 Index and Fixed Account, with 6 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, and renewal terms are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 8.5% cap
  • S&P 500 Index: 8.1% cap
  • Fixed Account: 4.5% fixed

Liquidity terms

Why access rules deserve as much attention as rates

A fixed indexed annuity can preserve more control than an income-only contract, but access is still governed by the surrender schedule, free-withdrawal terms, and waiver language. Those details are where many product comparisons become more meaningful than a simple rate list.

  • 10%/yr free withdrawal
  • 7 surrender years
  • RMD waiver

Verification note

Use carrier materials as term evidence, then confirm the current version

Carrier materials such as SecureLink_Chronic_Illness_Access_Fact_Sheet.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 8, 2026. For the current brochure, rate sheet, or specimen contract, confirm the state-specific version with the carrier or a licensed financial professional.

  • Rates and rider terms can vary by state and issue age
  • Carrier guarantees depend on claims-paying ability
  • Current contract forms should be confirmed before purchase

Free Comparison Report

Get a SecureLink Chronic Illness Access rate report

See how SecureLink Chronic Illness Access compares for your age, state, premium, and income goals alongside other Securian Financial fixed indexed annuity options.

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