Fixed annuity review and rates

SecureOption Vision

SecureOption Vision is a single payment, fixed deferred annuity. The minimum purchase payment is $25,000 and the maximum is $2 million. SecureOption Vision provides a Guaranteed Interest Rate for the initial Guarantee Period. After the initial Guarantee Period, a Renewal Interest Rate will be declared annually and guaranteed for one year. Your interest rate will never be lower than the Guaranteed Minimum Interest Rate stated in your contract. As conditions permit, a higher initial interest rate may be available on purchase payments of $100,000 or more. Withdrawals during the first three contract years may be subject to a Surrender Charge. A Market Value Adjustment (MVA) may also apply to withdrawal, surrender or Annuitization during the initial Guarantee Period. You have the option of either annuitizing or surrendering the contract at the earlier of a date that you elect, or by the contract's Maturity Date (age 100).

Free Withdrawal
  • 10% of prior contract anniversary value (not available in first contract year, except in CA) 
  • RMD amount, if greater (all years) 
Market Value Adjustment (MVA)
An adjustment applied upon withdrawal/surrender/annuitization1 to reflect changes in market conditions between contract issue and the date of withdrawal. An MVA can either increase or decrease the amount withdrawn from the annuity’s value. 
  • Applies only during the Surrender Charge Period on amounts in excess of the Free Withdrawal. 
  • A positive MVA will never exceed the amount of Surrender Charge assessed on the withdrawal or surrender. A negative MVA will not exceed the excess interest (interest in excess of the guaranteed minimum interest) earned on the applicable Guarantee Period. Any limitation will apply in both the positive and negative direction. 

Interest Rates

Guaranteed Years Surrender Years Guaranteed Yield Current Yield
3 3 3.4% 3.4%
3 3 3.25% 3.25%
5 5 3.4% 3.4%
5 5 3.25% 3.25%
7 7 3.5% 3.5%
7 7 3.35% 3.35%
Securian Financial
Founded: 1880
A.M. Best: A+
Fitch: AA
S&P: A+
Moody's: Aa3
Carrier details
Free withdrawal
1st year: 0%
2nd+ year: 10%
Types of funds
Non-Qualified, IRA, IRA Rollover, IRA-Roth, 1035 Exchange, and Inherited IRA