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Fixed Indexed Annuity

SecureLink Ultra

Securian Financial

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11.2%

Best Cap

10%

Free W/D

50

Jurisdictions

Product data status: June 27, 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, 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 27, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$314,889
Est. value at age 80 (SecureLink Ultra)
0%
Floor — index losses never reduce value
SecureLink Ultra
✦
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 (11.2% on S&P 500 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 27, 2026.

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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Live rate data

Run live numbers for SecureLink Ultra

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

Live product data

Rates as of June 27, 2026, based on the latest AdvisorWorld scan of CANNEX data.

S&P 500 annual cap rate

11.2% 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 six-figure premium minimum and no lifetime-income rider.

1-year termAdvisorWorld + CANNEX data

Best fit

Buyers with a six-figure deposit 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)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

10.75% cap rate

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

Rate varies by premium band.

S&P 500

S&P 500 Index

11% cap rate

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

Rate varies by premium band.

S&P 500

S&P 500 Index

6.75% trigger rate

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

Rate varies by premium band.

S&P 500

S&P 500 Index

13% trigger rate

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

Rate varies by premium band.

S&P 500

S&P 500 Index

13% trigger rate

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

Rate varies by premium band.

S&P 500

S&P 500 Index

6.75% trigger rate

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

Rate varies by premium band.

S&P 500

S&P 500 Index

50% participation rate

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

Rate varies by premium band.

S&P 500

S&P 500 Index

50% participation rate

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

Rate varies by premium band.

S&P 500

S&P 500 Index

8.5% cap rate

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

Rate varies by premium band.

S&P 500

S&P 500 Index

8.5% cap rate

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

Rate varies by premium band.

Nasdaq-100

Nasdaq-100 Index

9.5% cap rate

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

Rate varies by premium band.

Nasdaq-100

Nasdaq-100 Index

9.5% cap rate

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

Rate varies by premium band.

Fixed Account

Fixed Account

4.5% declared rate

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

Rate varies by premium band.

Fixed Account

Fixed Account

4.5% declared rate

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

Rate varies by premium band.

+ 18 additional crediting options (Barclays All, MSCI EAFE...)
View rate listings (36 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: 220% + Spread: 2% · 1-yr

Barclays All Caps Trailblazer 5 Index

participation

5-yr surrender$100,000 - $499,999.99

Par: 180% · 1-yr

Barclays All Caps Trailblazer 5 Index

participation

5-yr surrender$100,000 - $499,999.99

Par: 50% · 1-yr

S&P 500 Index

participation

5-yr surrender$100,000 - $499,999.99

Trigger: 13% · 1-yr

S&P 500 Index

trigger

5-yr surrender$100,000 - $499,999.99

Cap: 10.75% · 1-yr

S&P 500 Index

cap

5-yr surrender$100,000 - $499,999.99

Cap: 9.5% · 1-yr

Nasdaq-100 Index

cap

5-yr surrender$100,000 - $499,999.99

Cap: 9% · 1-yr

MSCI EAFE Index

cap

5-yr surrender$100,000 - $499,999.99

Trigger: 6.75% · 1-yr

S&P 500 Index

trigger

5-yr surrender$100,000 - $499,999.99

Fixed: 4.5% · 1-yr

Fixed Account

fixed

5-yr surrender$100,000 - $499,999.99

Cap: 8.5% · 5-yr

S&P 500 Index

cap

5-yr surrender$100,000 - $499,999.99

Par: 225% + Spread: 2% · 1-yr

Barclays All Caps Trailblazer 5 Index

participation

5-yr surrender$500,000+

Par: 185% · 1-yr

Barclays All Caps Trailblazer 5 Index

participation

5-yr surrender$500,000+

Par: 52% · 1-yr

S&P 500 Index

participation

5-yr surrender$500,000+

Trigger: 13.3% · 1-yr

S&P 500 Index

trigger

5-yr surrender$500,000+

Cap: 10.95% · 1-yr

S&P 500 Index

cap

5-yr surrender$500,000+

Cap: 9.75% · 1-yr

Nasdaq-100 Index

cap

5-yr surrender$500,000+

Cap: 9.25% · 1-yr

MSCI EAFE Index

cap

5-yr surrender$500,000+

Trigger: 6.9% · 1-yr

S&P 500 Index

trigger

5-yr surrender$500,000+

Fixed: 4.6% · 1-yr

Fixed Account

fixed

5-yr surrender$500,000+

Cap: 8.7% · 5-yr

S&P 500 Index

cap

5-yr surrender$500,000+

Par: 215% + Spread: 2% · 1-yr

Barclays All Caps Trailblazer 5 Index

participation

5-yr surrenderUp to $99,999.99

Par: 175% · 1-yr

Barclays All Caps Trailblazer 5 Index

participation

5-yr surrenderUp to $99,999.99

Par: 48% · 1-yr

S&P 500 Index

participation

5-yr surrenderUp to $99,999.99

Trigger: 12.7% · 1-yr

S&P 500 Index

trigger

5-yr surrenderUp to $99,999.99

Cap: 10.55% · 1-yr

S&P 500 Index

cap

5-yr surrenderUp to $99,999.99

Cap: 9.25% · 1-yr

Nasdaq-100 Index

cap

5-yr surrenderUp to $99,999.99

Cap: 8.75% · 1-yr

MSCI EAFE Index

cap

5-yr surrenderUp to $99,999.99

Trigger: 6.6% · 1-yr

S&P 500 Index

trigger

5-yr surrenderUp to $99,999.99

Fixed: 4.4% · 1-yr

Fixed Account

fixed

5-yr surrenderUp to $99,999.99

Cap: 8.3% · 5-yr

S&P 500 Index

cap

5-yr surrenderUp to $99,999.99

Cap: 11% · 1-yr

S&P 500 Index

cap

7-yr surrender$100,000 - $499,999.99

Cap: 8.5% · 7-yr

S&P 500 Index

cap

7-yr surrender$100,000 - $499,999.99

Cap: 11.2% · 1-yr

S&P 500 Index

cap

7-yr surrender$500,000+

Cap: 8.7% · 7-yr

S&P 500 Index

cap

7-yr surrender$500,000+

Cap: 10.8% · 1-yr

S&P 500 Index

cap

7-yr surrenderUp to $99,999.99

Cap: 8.3% · 7-yr

S&P 500 Index

cap

7-yr surrenderUp to $99,999.99

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 filing 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.
  • This is a higher-premium-band contract — the live feed quotes against a six-figure deposit minimum. Deposits below that threshold quote on a different filing in the carrier's shelf with different rates, so confirm the deposit size before relying on this page's strategy menu and 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 carrier's six-figure premium minimum, buyers who need a contractually guaranteed lifetime-withdrawal rate (no rider on this filing — 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

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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All crediting strategies

View rate listings (36 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: 220% + Spread: 2% · 1-yr

Barclays All Caps Trailblazer 5 Index

participation

5-yr surrender$100,000 - $499,999.99

Par: 180% · 1-yr

Barclays All Caps Trailblazer 5 Index

participation

5-yr surrender$100,000 - $499,999.99

Par: 50% · 1-yr

S&P 500 Index

participation

5-yr surrender$100,000 - $499,999.99

Trigger: 13% · 1-yr

S&P 500 Index

trigger

5-yr surrender$100,000 - $499,999.99

Cap: 10.75% · 1-yr

S&P 500 Index

cap

5-yr surrender$100,000 - $499,999.99

Cap: 9.5% · 1-yr

Nasdaq-100 Index

cap

5-yr surrender$100,000 - $499,999.99

Cap: 9% · 1-yr

MSCI EAFE Index

cap

5-yr surrender$100,000 - $499,999.99

Trigger: 6.75% · 1-yr

S&P 500 Index

trigger

5-yr surrender$100,000 - $499,999.99

Fixed: 4.5% · 1-yr

Fixed Account

fixed

5-yr surrender$100,000 - $499,999.99

Cap: 8.5% · 5-yr

S&P 500 Index

cap

5-yr surrender$100,000 - $499,999.99

Par: 225% + Spread: 2% · 1-yr

Barclays All Caps Trailblazer 5 Index

participation

5-yr surrender$500,000+

Par: 185% · 1-yr

Barclays All Caps Trailblazer 5 Index

participation

5-yr surrender$500,000+

Par: 52% · 1-yr

S&P 500 Index

participation

5-yr surrender$500,000+

Trigger: 13.3% · 1-yr

S&P 500 Index

trigger

5-yr surrender$500,000+

Cap: 10.95% · 1-yr

S&P 500 Index

cap

5-yr surrender$500,000+

Cap: 9.75% · 1-yr

Nasdaq-100 Index

cap

5-yr surrender$500,000+

Cap: 9.25% · 1-yr

MSCI EAFE Index

cap

5-yr surrender$500,000+

Trigger: 6.9% · 1-yr

S&P 500 Index

trigger

5-yr surrender$500,000+

Fixed: 4.6% · 1-yr

Fixed Account

fixed

5-yr surrender$500,000+

Cap: 8.7% · 5-yr

S&P 500 Index

cap

5-yr surrender$500,000+

Par: 215% + Spread: 2% · 1-yr

Barclays All Caps Trailblazer 5 Index

participation

5-yr surrenderUp to $99,999.99

Par: 175% · 1-yr

Barclays All Caps Trailblazer 5 Index

participation

5-yr surrenderUp to $99,999.99

Par: 48% · 1-yr

S&P 500 Index

participation

5-yr surrenderUp to $99,999.99

Trigger: 12.7% · 1-yr

S&P 500 Index

trigger

5-yr surrenderUp to $99,999.99

Cap: 10.55% · 1-yr

S&P 500 Index

cap

5-yr surrenderUp to $99,999.99

Cap: 9.25% · 1-yr

Nasdaq-100 Index

cap

5-yr surrenderUp to $99,999.99

Cap: 8.75% · 1-yr

MSCI EAFE Index

cap

5-yr surrenderUp to $99,999.99

Trigger: 6.6% · 1-yr

S&P 500 Index

trigger

5-yr surrenderUp to $99,999.99

Fixed: 4.4% · 1-yr

Fixed Account

fixed

5-yr surrenderUp to $99,999.99

Cap: 8.3% · 5-yr

S&P 500 Index

cap

5-yr surrenderUp to $99,999.99

Cap: 11% · 1-yr

S&P 500 Index

cap

7-yr surrender$100,000 - $499,999.99

Cap: 8.5% · 7-yr

S&P 500 Index

cap

7-yr surrender$100,000 - $499,999.99

Cap: 11.2% · 1-yr

S&P 500 Index

cap

7-yr surrender$500,000+

Cap: 8.7% · 7-yr

S&P 500 Index

cap

7-yr surrender$500,000+

Cap: 10.8% · 1-yr

S&P 500 Index

cap

7-yr surrenderUp to $99,999.99

Cap: 8.3% · 7-yr

S&P 500 Index

cap

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 Ultra

● Can I lose money in SecureLink Ultra?

In a year the index falls, SecureLink Ultra 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 Ultra compare to other FIAs?

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

3

Nursing home waiver, RMD waiver, Terminal illness waiver

Death benefit

Standard Death Benefit

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

Strategy guarantee

Minimum guaranteed cap: 1.00%

Strategy guarantee

Minimum guaranteed declared rate: 1.00%

Strategy guarantee

Guaranteed minimum interest rate (fixed): 0.50%

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%

Nursing home waiver, RMD waiver, Terminal illness waiver, Surrender waivers

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+
S&PAA
Moody'sAa3
S&PAA-

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

SecureLink Ultra currently shows 31 distinct indexed or fixed crediting choices across 60 current rate listings, including S&P 500 Index, with 9 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: 10.75% cap
  • S&P 500 Index: 11% cap
  • S&P 500 Index: 10.55% cap

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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