Annuity Atlas
As of Oct 26 · B++ or betterAll rates →

Expert review · 2026

Securian Financial review

Annuity Atlas covers 13 Securian Financial annuity products with live rates and contract specs. 7 carry full editorial reviews.

A.M. Best

A+

Insurer claims-paying rating

Products tracked
13
MYGA yield (lineup max)
5.80% · 7yr · SecureOption Choice 7-Year
Surrender range
3–9 years
Rate as of Oct 15, 2026
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Products covered
13
A.M. Best
A+
Categories covered
MYGA · FIA

13 Securian Financial annuities

Click any product for rates, specs, and the full peer-group review.

Retirement savers with at least $25,000 who want a seven-year locked rate and don't need income riders or bells and whistles
A+
A.M. BEST
MYGA7-YR SURRENDER
Review →
Savers with $100,000 or more who want a long, locked-in guaranteed rate and genuinely don't need this money before the mid-2030s
A+
A.M. BEST
MYGA9-YR SURRENDER
Review →
Savers who want a five-year locked rate from a highly rated carrier and don't need to touch the money in the first year
A+
A.M. BEST
MYGA5-YR SURRENDER
Review →
Savers who want a short, predictable rate lock from an A+ carrier and are comfortable with a straightforward, no-frills contract
A+
A.M. BEST
MYGA3-YR SURRENDER
Review →
MYGA7-YR SURRENDER
Details →
Buyers who want a guaranteed, growing pool that pays out either as a legacy at death or as living cash if they become chronically or terminally ill, and who do not need lifetime income
A+
A.M. BEST
FIA7-YR SURRENDER
Review →
Buyers who want a short 5-year indexed annuity from a high-rated carrier and will not count on the persistency bonus unless the carrier confirms its terms in writing
A+
A.M. BEST
FIA5-YR SURRENDER
Review →
Buyers who want principal-protected, index-linked growth from an A+ carrier, plan to hold well past the 7-year surrender window, and do not need a lifetime income rider
A+
A.M. BEST
FIA7-YR SURRENDER
Review →
FIA5-YR SURRENDER
Details →
FIA7-YR SURRENDER
Details →
MYGA7-YR SURRENDER
Details →
MYGA7-YR SURRENDER
Details →
MYGA7-YR SURRENDER
Details →

Income rider fees

Disclosed charges for optional riders on Securian Financial products, live from Annuity Rate Watch. Product-level detail is on each review.

RiderProductFee
Accelerated Death BenefitSecureLink Chronic Illness Access0.75%
Accelerated Death Benefit 71-80SecureLink Chronic Illness Access1.15%

Frequently asked questions

Is Securian Financial a good annuity company?
We have reviewed 7 Securian Financial products, and A.M. Best rates the carrier A+ for financial strength.
What are the fees for Securian Financial annuities?
Fee structures vary by product. Optional income riders on Securian Financial products carry disclosed charges, for example Accelerated Death Benefit (SecureLink Chronic Illness Access): 0.75% ; Accelerated Death Benefit 71-80 (SecureLink Chronic Illness Access): 1.15% . See each product review for the full fee detail.
What is the surrender period for Securian Financial annuities?
Surrender periods on Securian Financial's current lineup run 3–9 years, depending on the product. Most products allow an annual free-withdrawal amount before charges apply. The product table above shows each product's surrender length, and each review covers the exact schedule.

Sources & standards

How we know what's on this page

Rates, terms & availability
Annuity Rate Watch, which aggregates carriers' filed rate sheets. Refreshed every night.
Financial strength
A.M. Best. We publish the carrier's letter rating rather than a score of our own.
Contract detail
The carrier's own brochure, minimum guaranteed surrender value, death benefit, RMD treatment, annuitization options, waiver riders and free-withdrawal terms. Where the brochure and the rate feed disagree, the brochure wins: it is the filed document. Where neither carries a fact, the page omits it. We do not fill gaps with estimates.

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