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Fixed Indexed Annuity

SecureLink Ultra — Securian Financial

Securian Financial

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11.5%

Best S&P 500 Annual Cap

10%

Free W/D

50

Available jurisdictions

Product data status: October 2, 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 Ultra would do for you

Set your numbers and switch between growth strategies and liquidity scenarios. Negative index performance does not produce a negative index credit. Fees, withdrawals and surrender charges can reduce contract value.

Product analyzer
Illustrative — live CANNEX rates as of October 2, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$314,889
Est. value at age 80 (SecureLink Ultra)
11.5%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 11.5% 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 Ultra's published cap rate (11.5% on S&P 500 Index) to a standard benchmark 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 October 2, 2026.

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

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rate data

Run numbers for SecureLink Ultra

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

Live product data

Rates as of October 2, 2026, from AdvisorWorld and CANNEX.

S&P 500 annual cap rate

11.5% cap on S&P 500

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 $20,000 product minimum, premium-banded rates, and no lifetime-income rider.

1-year term5-year surrender$100,000 to $500,000AdvisorWorld + CANNEX data

Best fit

Buyers with at least $20,000 who want tax-deferred accumulation from a tri-agency-rated carrier, want to choose between a shorter five-year chassis and a longer seven-year chassis under one contract, and want a single filing that can express either a recognizable S&P 500 cap, a fixed-rate S&P trigger, or higher-participation alternatives.

AM Best

A+ Superior

Surrender options

5 and 7 years

Free withdrawal

10%/yr

Availability

50 jurisdictions (excl. New York)

Minimum premium

$20,000

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

11.5% cap rate

Rate effective Oct 1, 2026

Annual point-to-point

Requested state: TX

1-year term · 5-year surrender · $100,000 to $500,000

S&P 500

S&P 500 Index

11.5% cap rate

Rate effective Oct 1, 2026

Annual point-to-point

Requested state: TX

1-year term · 7-year surrender · $100,000 to $500,000

S&P 500

S&P 500 Index

8% trigger rate

Rate effective Oct 1, 2026

Performance trigger

Requested state: TX

1-year term · 5-year surrender · $100,000 to $500,000

S&P 500

S&P 500 Index

14% trigger rate

Rate effective Oct 1, 2026

Performance trigger

Requested state: TX

1-year term · 5-year surrender · $100,000 to $500,000

S&P 500

S&P 500 Index

14% trigger rate

Rate effective Oct 1, 2026

Performance trigger

Requested state: TX

1-year term · 7-year surrender · $100,000 to $500,000

S&P 500

S&P 500 Index

8% trigger rate

Rate effective Oct 1, 2026

Performance trigger

Requested state: TX

1-year term · 7-year surrender · $100,000 to $500,000

S&P 500

S&P 500 Index

60% participation rate

Rate effective Oct 1, 2026

Annual point-to-point

Requested state: TX

1-year term · 5-year surrender · $100,000 to $500,000

S&P 500

S&P 500 Index

60% participation rate

Rate effective Oct 1, 2026

Annual point-to-point

Requested state: TX

1-year term · 7-year surrender · $100,000 to $500,000

S&P 500

S&P 500 Index

9.6% cap rate

Rate effective Oct 1, 2026

5-year point-to-point

Requested state: TX

5-year term · 5-year surrender · $100,000 to $500,000

S&P 500

S&P 500 Index

9.6% cap rate

Rate effective Oct 1, 2026

7-year point-to-point

Requested state: TX

7-year term · 7-year surrender · $100,000 to $500,000

Nasdaq-100

Nasdaq-100 Index

11.5% cap rate

Rate effective Oct 1, 2026

Annual point-to-point

Requested state: TX

1-year term · 5-year surrender · $100,000 to $500,000

Nasdaq-100

Nasdaq-100 Index

11.5% cap rate

Rate effective Oct 1, 2026

Annual point-to-point

Requested state: TX

1-year term · 7-year surrender · $100,000 to $500,000

Fixed Account

Fixed Account

5.25% declared rate

Rate effective Oct 1, 2026

Fixed account

Requested state: TX

1-year term · 5-year surrender · $100,000 to $500,000

Fixed Account

Fixed Account

5.25% declared rate

Rate effective Oct 1, 2026

Fixed account

Requested state: TX

1-year term · 7-year surrender · $100,000 to $500,000

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

Product analyst notes

How to think about this contract

Why it can stand out

  • Buyer chooses between two surrender chassis under the same contract — a shorter five-year filing and a longer seven-year filing — so the lock-up length is a real lever on this contract rather than a take-it-or-leave-it commitment.
  • Crediting menu pairs a recognizable S&P 500 annual point-to-point cap with multiple alternative mechanics on the same index — an S&P 500 fixed-rate trigger, an S&P 500 participation rate, and a multi-year cap option — plus a Nasdaq-100 cap, an MSCI EAFE cap, and two participation strategies on the proprietary Barclays All Caps Trailblazer 5 index. A single contract can express either a like-for-like S&P comparison or alternative participation profiles.
  • Carrier financial-strength is rated by three independent agencies (A.M. Best, Standard & Poor's, and Moody's), so the strength view backing the rate menu is not a single-source read.
  • Standard accumulation liquidity package is all here — an annual free-withdrawal allowance plus nursing-home, terminal-illness, and RMD surrender waivers — rather than buried in a brochure.

What to confirm

  • There is no lifetime-income rider on this contract in the live data. Do not pitch SecureLink Ultra as a guaranteed lifetime payout product — Securian sells a separate income-rider filing (SecureLink Future, the GLWB-rider sibling) for buyers who need a contractually published lifetime-withdrawal rate.
  • The live product minimum is $20,000, with strategy rates split into several premium bands. Deposits below $100,000 remain on this same product but can receive a different strategy rate, so confirm the exact band before relying on the headline cap.
  • One of the participation-rate strategies in the menu carries an annual strategy spread on the live feed — even though the participation rate looks high in absolute terms, the spread reduces realized crediting. Read the spread column alongside the participation column before treating that strategy as the obvious best alternative to the S&P cap.
  • Surrender charges are highest in the first contract year and step down over the surrender window, with a market value adjustment on early exits above the annual free-withdrawal allowance. Filed in fifty jurisdictions but NOT in New York — confirm state availability before recommending to New York buyers, who are quoted on a different Securian filing.

Not ideal for

Buyers below the $20,000 product minimum, buyers who need a contractually guaranteed lifetime-withdrawal rate (no rider on this contract — see the SecureLink Future sibling instead), buyers needing an enhanced death benefit or premium bonus, or New York residents where this contract is not filed.

Free Comparison Report

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See how SecureLink Ultra 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 (24 strategies)

These listings show published strategy details and any available rates. Use the filters to narrow by index, term, premium band, or rate type.

Par: 230% + Spread: 2% · 1-yr

Barclays All Caps Trailblazer 5 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000 - $499,999.99

Par: 230% + Spread: 2% · 1-yr

Barclays All Caps Trailblazer 5 Index

Point-to-point

Requested state: TX5-yr surrender$100,000 - $499,999.99

Par: 190% · 1-yr

Barclays All Caps Trailblazer 5 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000 - $499,999.99

Par: 190% · 1-yr

Barclays All Caps Trailblazer 5 Index

Point-to-point

Requested state: TX5-yr surrender$100,000 - $499,999.99

Par: 60% · 1-yr

S&P 500 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000 - $499,999.99

Par: 60% · 1-yr

S&P 500 Index

Point-to-point

Requested state: TX5-yr surrender$100,000 - $499,999.99

Trigger: 14% · 1-yr

S&P 500 Index

trigger · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000 - $499,999.99

Trigger: 14% · 1-yr

S&P 500 Index

trigger

Requested state: TX5-yr surrender$100,000 - $499,999.99

Cap: 11.5% · 1-yr

S&P 500 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000 - $499,999.99

Cap: 11.5% · 1-yr

Nasdaq-100 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000 - $499,999.99

Cap: 11.5% · 1-yr

S&P 500 Index

Point-to-point

Requested state: TX5-yr surrender$100,000 - $499,999.99

Cap: 11.5% · 1-yr

Nasdaq-100 Index

Point-to-point

Requested state: TX5-yr surrender$100,000 - $499,999.99

Cap: 10.5% · 1-yr

MSCI EAFE Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000 - $499,999.99

Cap: 10.5% · 1-yr

MSCI EAFE Index

Point-to-point

Requested state: TX5-yr surrender$100,000 - $499,999.99

Trigger: 8% · 1-yr

S&P 500 Index

Performance trigger · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000 - $499,999.99

Trigger: 8% · 1-yr

S&P 500 Index

Performance trigger

Requested state: TX5-yr surrender$100,000 - $499,999.99

Fixed: 5.25% · 1-yr

Fixed Account

Fixed account · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000 - $499,999.99

Fixed: 5.25% · 1-yr

Fixed Account

Fixed account

Requested state: TX5-yr surrender$100,000 - $499,999.99

Cap: 9.6% · 5-yr

S&P 500 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000 - $499,999.99

Cap: 9.6% · 5-yr

S&P 500 Index

Point-to-point

Requested state: TX5-yr surrender$100,000 - $499,999.99

Cap: 11% · 1-yr

MSCI EAFE Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20267-yr surrender$100,000 - $499,999.99

Cap: 11% · 1-yr

MSCI EAFE Index

Point-to-point

Requested state: TX7-yr surrender$100,000 - $499,999.99

Cap: 9.6% · 7-yr

S&P 500 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20267-yr surrender$100,000 - $499,999.99

Cap: 9.6% · 7-yr

S&P 500 Index

Point-to-point

Requested state: TX7-yr surrender$100,000 - $499,999.99

Accumulation profile

Accumulation-focused contract

The 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 Ultra

● Can I lose money in SecureLink Ultra?

A negative index return by itself does not reduce the contract's account value: SecureLink Ultra credits 0% — the floor — for that indexed period. The account value can still decrease from withdrawals, surrender charges, 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 Ultra's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another available SecureLink Ultra 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

3

Nursing home waiver, RMD waiver, Terminal illness waiver

Death benefit

Standard 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.

Declared-rate floor

1.00%

Minimum guaranteed declared rate for declared-rate or performance-trigger 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.

Maximum spread

0.00%

Maximum spread: 0.00%

Annuitization options

Joint life, Single life

Published payout options from the normalized contract facts.

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%

Nursing home waiver, RMD waiver, Terminal illness waiver

Documents

brochure

SecureLink Ultra 5 | Financial Professional | Securian Financial.pdf

Confidence: highReviewed Apr 11, 2026

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

Carrier Ratings

AM BestA+
FitchAA
Moody'sAa3
S&PAA-

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

SecureLink Ultra currently shows 24 indexed or fixed crediting options, including S&P 500 Index, with 8 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: 11.5% annual cap, 0% annual strategy fee
  • S&P 500 Index: 11.5% annual cap
  • S&P 500 Index: 8% annual trigger rate, 0% annual strategy fee
  • S&P 500 Index: 14% annual trigger rate, 0% annual strategy fee

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
  • Nursing home waiver
  • RMD waiver
  • Terminal illness waiver

Verification note

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

Carrier materials such as SecureLink Ultra 5 | Financial Professional | Securian Financial.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 24, 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 Ultra rate report

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

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Related Resources

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