Securian Fixed Indexed Annuities (2026): SecureLink Assure, Ultra 5 and 7, and Chronic Illness Access
Written & reviewed by Hans Goldstein, EA, independent licensed insurance producer · CA license 4273294 · NPN 20602398Admitted to practice before the IRS
Lineup checked on securian.com (DOFU 8-2026) · Updated
Securian's fixed indexed annuities, issued by Minnesota Life, are sold under the SecureLink name: SecureLink Assure (5 or 7 years), SecureLink Chronic Illness Access, and SecureLink Ultra 5 and Ultra 7, per Securian's product page dated August 2026. There is no current Securian product called “Multi Strategy FIA,” and we could not verify current SecureLink rates, so none are shown.
CD vs MYGA, after tax
What $100,000 earns in 5 years: CD vs MYGA, after tax
Rates used: CD 5.00%, the top nationally available 5-year CD (Bankrate, October 14, 2026); change it to the rate you are offered. MYGA 5.95%, the best A-rated rate we track as of October 13, 2026: Delaware Life Pinnacle Plus 5-year (AM Best A-, negative outlook, 7/31/2026), $100,000 and up, effective October 6, 2026 (Delaware Life rate sheet).
| CD, interest taxed every year | $121,081 |
|---|---|
| MYGA, tax-deferred, before tax | $133,507 |
| MYGA after paying tax on all the interest at withdrawal | $126,136 |
| Tax deferral alone adds about | $674 |
| MYGA ahead of the CD, after tax | $5,055 |
Assumes 22% federal and 0% state income tax, no withdrawals, rates held for the whole term. MYGA interest is taxed as ordinary income when you withdraw it, not as capital gains. Gains taken before age 59 1/2 can owe a 10% IRS penalty, and cashing out early can cost a surrender charge.
In an IRA both grow tax-deferred, so the edge there is the rate alone. Bank and credit union deposits are FDIC or NCUA insured up to the limits; a MYGA is backed by the issuing insurer's claims-paying ability and your state's guaranty association up to its limits, not the FDIC. General education, not tax, legal or financial advice.
Securian's current fixed indexed annuities
| Product | What Securian says it is |
|---|---|
| SecureLink Assure | 5- or 7-year FIA with guaranteed rates, a simple structure and “a way to beat the zero floor” |
| SecureLink Chronic Illness Access | FIA with protection and growth plus access for chronic or terminal illness, no underwriting (not long-term care insurance) |
| SecureLink Ultra 5 and Ultra 7 | FIAs with multiple crediting strategies including a term guarantee option; 5- or 7-year surrender with MVA |
Correction: this page was previously titled “Securian Multi Strategy FIA” and cited an “S&P cap ~7%.” We could not find a product by that name in Securian's materials or verify the cap, so both have been removed.
Is the annuity you're looking at actually the best one available?
Send your email and I'll send what it really guarantees, what the surrender schedule costs you, and the two or three carriers paying more for the same guarantee. If it's already a good fit, I'll tell you that.
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What to ask for if you are quoted a SecureLink contract
- The current rate sheet with its effective date, and the minimum guaranteed caps and participation rates.
- The surrender schedule by year and how the market value adjustment works.
- Free withdrawal amount and any health or confinement waivers in your state.
- For Chronic Illness Access: exactly what triggers the enhanced access and what it pays.
How an FIA compares with a MYGA
A fixed indexed annuity credits index-linked interest with a 0% floor, and its caps reset each term. A MYGA locks one rate for the whole term. For comparison, A-rated-or-better insurers were paying about 5.50% to 6.05% on 5-year MYGAs and the best nationally available 5-year CDs about 4.70% to 5.00% APY (MYGAs: public carrier rate sheets, October 14, 2026; CDs: Bankrate and Popular Direct, October 18, 2026).
Current MYGA rates · Annuity vs CD · Best 5-year MYGA rates
Frequently asked questions
Does Securian sell a “Multi Strategy” fixed indexed annuity?
Not under that name. Securian's current fixed indexed annuity lineup (securian.com, dated 8-2026) is SecureLink Assure (5 or 7 years), SecureLink Chronic Illness Access, and SecureLink Ultra 5 and Ultra 7. An earlier version of this page used a product name we could not find in Securian's materials.
Who issues Securian annuities?
Minnesota Life Insurance Company, part of Securian Financial.
What are SecureLink rates?
Securian publishes current fixed indexed annuity rates to financial professionals. We could not verify a current dated rate from a public Securian page, so none are listed here. Ask for the current rate sheet for the specific SecureLink product.
What is SecureLink Chronic Illness Access?
A Securian fixed indexed annuity designed to add access to funds if the owner develops a chronic or terminal illness, with no underwriting. Securian notes it is not long-term care insurance.
What is the difference between SecureLink Ultra 5 and Ultra 7?
The surrender period (5 or 7 years, with a market value adjustment). Both offer multiple crediting strategies, including a term-guarantee option, per Securian.
Hans Goldstein is an independent licensed insurance producer (CA license 4273294, NPN 20602398). Not affiliated with Securian or Minnesota Life. Rates are copied from the carrier documents named, with their effective dates; they change often and vary by state and premium. Confirm current rates and read the contract and disclosure before buying. Examples labelled hypothetical are illustrations, not quotes.
Quoted a SecureLink annuity? Get it checked
Talk to Hans Goldstein, a licensed independent insurance producer.
Send the quote. You get the surrender value by year and a fixed-rate alternative on the same money for comparison.
Send your details. Within one business day you get a written side-by-side sized to your dollar amount, and a free 15-minute call if you want one.
Rather talk it through? Or book 15 minutes on Hans’s calendar, or call 213-414-2808.
Hans Goldstein · 213-414-2808 · NPN 20602398, independent licensed insurance producer appointed with multiple A-rated carriers
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Disclosure
This review is based on the carrier's public product materials and rates as of the date shown above. Annuity rates, caps, participation rates, payout factors, crediting methods, and long-term care benefit structures change often, sometimes monthly. Confirm current figures in the latest carrier disclosure and the contract before you buy. This is general education, not a personal recommendation or an offer of any product. Hans Goldstein is an independent licensed insurance producer (CA license 4273294, NPN 20602398) appointed with several A-rated carriers. His appointment with the carrier reviewed here may vary, and this review is not an endorsement. No carrier paid for this review. Always read the actual contract and consult a licensed advisor before purchasing any annuity or long-term care insurance product. Past index performance does not predict future credited interest. Annuities and hybrid life+LTC policies are long-term contracts with surrender charges; they are not suitable for funds you may need before the end of the surrender period. AM Best ratings and tax treatment are subject to change. Tax discussion of IRC §7702B, §1035, and the Pension Protection Act of 2006 reflects law as of 2026 and is subject to change.