Registered index-linked annuity · SEC-registered · defined downside design
AccumuLink Advance
Issued by Minnesota Life Insurance Company
The upside term is shown with its index, term, downside rule, and fee status. This indexed segment can lose value.
The buffer absorbs the first 10% of segment loss; losses beyond it can still apply. This is not an FIA.Every segment, by index and downside design
Read across a row to compare the upside term under each published downside design. Current rates for the selected state and $100,000 premium; every percentage identifies what it is.
Strategy fee is not published; outcome figures are suppressed unless another published fee applies.
Swipe horizontally to compare every protection level.
| Index · term | 0% buffer | 0% floor | 1% buffer | 10% buffer | 20% buffer |
|---|---|---|---|---|---|
| S&P 500 | |||||
| 1-yearPoint-to-point | 45% participation Segment detailsMinimum participation: 10%Minimum buffer: 0% | 7.25% cap Segment detailsMinimum cap: 1%Minimum participation: 100%Maximum floor: 0% | 105% participation Segment detailsMinimum participation: 10%Minimum buffer: 1% | 18% cap Segment detailsMinimum cap: 1%Minimum participation: 100%Minimum buffer: 10%82% participation Segment detailsMinimum participation: 10%Minimum buffer: 10% | 12% cap Segment detailsMinimum cap: 1%Minimum participation: 100%Minimum buffer: 20%65% participation Segment detailsMinimum participation: 10%Minimum buffer: 20% |
| 6-yearPoint-to-point | — | — | 116% participation Segment detailsMinimum participation: 10%Minimum buffer: 1% | 111% participation Segment detailsMinimum participation: 10%Minimum buffer: 10% | 100% participation Segment detailsMinimum participation: 10%Minimum buffer: 20% |
| MSCI EAFE | |||||
| 1-yearPoint-to-point | — | — | 120% participation Segment detailsMinimum participation: 10%Minimum buffer: 1% | 23.5% cap Segment detailsMinimum cap: 1%Minimum participation: 100%Minimum buffer: 10%90% participation Segment detailsMinimum participation: 10%Minimum buffer: 10% | 75% participation Segment detailsMinimum participation: 10%Minimum buffer: 20% |
| 6-yearPoint-to-point | — | — | 140% participation Segment detailsMinimum participation: 10%Minimum buffer: 1% | 130% participation Segment detailsMinimum participation: 10%Minimum buffer: 10% | 120% participation Segment detailsMinimum participation: 10%Minimum buffer: 20% |
| Nasdaq-100 | |||||
| 1-yearPoint-to-point | — | — | 100% participation Segment detailsMinimum participation: 10%Minimum buffer: 1% | 24% cap Segment detailsMinimum cap: 1%Minimum participation: 100%Minimum buffer: 10%75% participation Segment detailsMinimum participation: 10%Minimum buffer: 10% | 60% participation Segment detailsMinimum participation: 10%Minimum buffer: 20% |
| 6-yearPoint-to-point | — | — | 100% participation Segment detailsMinimum participation: 10%Minimum buffer: 1% | 90% participation Segment detailsMinimum participation: 10%Minimum buffer: 10% | 80% participation Segment detailsMinimum participation: 10%Minimum buffer: 20% |
| Janus Henderson Equity Directionality TR | |||||
| 1-yearPoint-to-point | — | — | 130% participation Segment detailsMinimum participation: 10%Minimum buffer: 1% | 100% participation Segment detailsMinimum participation: 10%Minimum buffer: 10% | 75% participation Segment detailsMinimum participation: 10%Minimum buffer: 20% |
| 6-yearPoint-to-point | — | — | 140% participation Segment detailsMinimum participation: 10%Minimum buffer: 1% | 130% participation Segment detailsMinimum participation: 10%Minimum buffer: 10% | 120% participation Segment detailsMinimum participation: 10%Minimum buffer: 20% |
| Fixed account | |||||
| 1-year · Declared rate | 4.25% fixedSegment detailsMinimum fixed-account rate: 1% | ||||
Showing 30 of 30 indexed segments.
Outcome simulator unavailable
The current feed does not publish a strategy fee for every eligible segment. No zero fee is assumed, so outcome figures are suppressed.
What the carrier can change at renewal
Upside rates and downside-protection terms are declared for each segment. These are the contractual minimums published with the live rows.
Read the minimum buffer twice. A renewed segment may carry no buffer at all. Today’s buffer is a declared term and is not fixed for the life of the contract.
Open “Segment details” in the matrix to see the contractual minimum attached to that exact row.
Getting money out
Surrender charge · full schedule
Analyst notes
Where it stands out
- The current menu includes both buffer and floor-style downside protection.
- Several recognizable equity indexes sit beside a proprietary directionality index.
- Annual and multi-year crediting choices let buyers select different time horizons within the same contract.
What to confirm
- Buffer and floor segments limit losses differently; the protection label must be read with the exact segment mechanics.
- Market losses can still reduce contract value, and withdrawals before segment maturity can affect credited results.
- No current lifetime-income rider appears on this accumulation contract version.
Expanded contract facts
Contract details beyond the headline rate
Key facts published in the versioned CANNEX contract ledger. Gaps are labeled, not guessed.
Source and vintage: normalized public product facts from CANNEX, observed Sep 11, 2026. Raw licensed XML and internal identifiers are not included. Terms can vary by state, premium, age, share class, and contract version; confirm the current carrier contract and illustration before purchase.
Prospectus and SEC filings
A RILA is a registered security. The prospectus governs interim value, performance lock, death benefit, and fees.
RegistrantMinnesota Life Insurance Company (RILA)
SEC CIK0002032538
File numbers333-282641
Open filings on EDGAR ↗No verified carrier document link is published in the product feed. Rate-sheet supplements will appear only after their product and carrier match is verified.
State availability
49 published jurisdictions. Not available in New York or Oregon.