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Fixed Indexed Annuity

SecureLink Chronic Illness Access

Securian Financial

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8.5%

Best S&P 500 Annual Cap

10%

Free W/D

48

Available jurisdictions

Product data status: July 17, 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 July 17, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$150,842
Est. value at age 80 (SecureLink Chronic Illness Access)
8.5%
Best S&P 500 1-yr point-to-point cap
MSCI EAFE Index — 9.5% Cap (Annual)
✦
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 calibrated proprietary/volatility-controlled hypothetical index path (~1.9%/yr average, including down years) with a 0% floor over 20 years. Not a projection, quote, or guarantee. Live CANNEX rates as of July 17, 2026.

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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 July 17, 2026, from AdvisorWorld and CANNEX.

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 term7-year surrender$100,000+AdvisorWorld + 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 (excl. Massachusetts, New York, Washington)

Minimum premium

$20,000

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

8.5% cap rate

Annual cap

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

Rate varies by premium band.

Fixed Account

Fixed Account

4.5% declared rate

Fixed account

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

Rate varies by premium band.

+ 6 additional crediting options (MSCI EAFE, Barclays All, SG Climate...)

Product analyst notes

How to think about this contract

Why it can stand out

  • Death benefit on this contract 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 contract — 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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All crediting strategies

View rate listings (10 strategies)

These are the current crediting strategies available 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

Accumulation profile

Accumulation-focused contract

Current CANNEX information identifies this product as tax-deferred accumulation. Compare cap, participation rate, fees, liquidity, and surrender terms; use a separate payout-focused contract when guaranteed payout mechanics are required.

Common questions about SecureLink Chronic Illness Access

● Can I lose money in SecureLink Chronic Illness Access?

A negative index return by itself does not reduce the contract's account value: SecureLink Chronic Illness Access credits 0% — the floor — for that indexed period. The account value can still decrease from applicable rider fees, Performance Rate Rider or other strategy charges, administrative charges, withdrawals, surrender charges, or other contract-specific deductions. In years with no credited interest, those deductions can reduce the account value. 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 scheduled surrender charges run 7 years; after that the surrender-charge schedule ends. Bonus vesting, market value adjustments when applicable, and other contract rules can still affect the amount available. The Liquidity tab of the analyzer shows the year-by-year surrender charge.

● How do SecureLink Chronic Illness Access's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current SecureLink Chronic Illness Access strategy on the same premium, age, years, and hypothetical index path. The control labels the strategy type, rate, index, and context so caps, participation rates, triggers, spreads, and fixed-account choices are not treated as interchangeable.

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.

Cap-rate floor

1.00%

Minimum guaranteed cap for cap-based indexed strategies.

Fixed account guarantee

0.50%

Guaranteed minimum interest rate for the fixed account.

Participation-rate floor

10.00%

Minimum guaranteed participation rate for participation-rate indexed strategies.

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, renewal terms, and fee-bearing rider variants are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 8.5% annual cap
  • S&P 500 Index: 8.1% annual cap
  • Fixed Account: 4.5% fixed account rate
  • Fixed Account: 4.3% fixed account rate

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

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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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