based on complex data

Annuity Educator Rating

Annuity review

AccumuLink Advance

Another subsidiary of Securian Financial Group, the Minnesota Life Insurance Company was established in 1880. Providing a variety of life insurance solutions designed to suit the needs of both individuals and businesses, their goal is to help clients find economic peace of mind. The company’s mission is to deliver both personalized services and up-to-date solutions that empower clients to look forward to the future. Notably, Minnesota Life has maintained a resilient financial background over the years despite branching out and changing its name from Securian to Minnesota, although it still remains a subsidiary of the former.

AccumuLink Advance

Your Email

Compare this annuity with 827 others from 100+ companies

Your State

Investment

Your Gender

Your Age

Retire At

About Product

Type

Registered Index-Linked

Purpose

Accumulation & Legacy

Term

6 Years

Surrender schedule

Fee withdrawal:

10%

Market Value Adjustment

Return Of Premium

Minimum Contribution

$25,000

Maximum Contribution

$2,000,000

Max Age Qualified

Types Of Funds

Non-Qualified, Traditional IRA, IRA-Roth, Inherited IRA, Roth Conversion (Partial), and Roth Conversion (Full)

Launch Date

08/22/2025

AccumuLink Advance is designed to have a balance of growth and protection, so you can move forward with confidence. AccumuLink Advance offers an opportunity to experience growth that is linked to the performance of an index, potentially higher than a fixed rate. AccumuLink Advance also has features designed to limit losses in a down market. Reminder, you are not investing in the stock market and one cannot invest directly in an index.
AccumuLink Advance is designed with flexibility. It gives you multiple options and the ability to make changes without penalties — ensuring a smart fit both now and in the future.

Performance Lock
This feature allows the Account Value in each Indexed Account to be locked in once per Crediting Period, per Indexed Account. The locked Account Value will be automatically transferred to the Fixed Account, where it will accrue interest at the contract’s current Fixed Account interest rate. The locked funds may remain in the Fixed Account or may be reallocated to an available 1-year Indexed Account on any subsequent Contract Anniversary

Available in states: AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY

Allocation Accounts

Name	Type	Rates
1-Year S&P 500 PTP Shift with Participation Rate	Minnesota Shift Annual	50% Participation
1-Year Fixed Account	Fixed	3.5% Fixed
6-Year MSCI EAFE PTP Participation Rate with 20% Buffer	Point to Point 6-Year	110% Participation
1-Year S&P 500 PTP Participation Rate with 1% Buffer	Point to Point Annual	110% Participation
1-Year Nasdaq-100 PTP Participation Rate with 1% Buffer	Point to Point Annual	100% Participation
1-Year MSCI EAFE PTP Participation Rate with 1% Buffer	Point to Point Annual	115% Participation
6-Year MSCI EAFE PTP Participation Rate with 1% Buffer	Point to Point 6-Year	130% Participation
6-Year Nasdaq-100 PTP Participation Rate with 1% Buffer	Point to Point 6-Year	100% Participation
6-Year S&P 500 PTP Participation Rate with 1% Buffer	Point to Point 6-Year	116% Participation
6-Year JEDI PTP Participation Rate with 1% Buffer	Point to Point 6-Year	135% Participation
1-Year JEDI PTP Participation Rate with 1% Buffer	Point to Point Annual	120% Participation
1-Year JEDI PTP Participation Rate with 20% Buffer	Point to Point Annual	70% Participation
1-Year JEDI PTP Participation Rate with 10% Buffer	Point to Point Annual	95% Participation
6-Year JEDI PTP Participation Rate with 10% Buffer	Point to Point 6-Year	130% Participation
6-Year JEDI PTP Participation Rate with 20% Buffer	Point to Point 6-Year	110% Participation
1-Year S&P 500 PTP Cap with 0% Floor	Point to Point Annual	6.5% Cap
6-Year S&P 500 PTP Participation Rate with 20% Buffer	Point to Point 6-Year	95% Participation
6-Year Nasdaq-100 PTP Participation Rate with 20% Buffer	Point to Point 6-Year	80% Participation
6-Year S&P 500 PTP Participation Rate with 10% Buffer	Point to Point 6-Year	110% Participation
6-Year Nasdaq-100 PTP Participation Rate with 10% Buffer	Point to Point 6-Year	90% Participation
6-Year MSCI EAFE PTP Participation Rate with 10% Buffer	Point to Point 6-Year	120% Participation
1-Year MSCI EAFE PTP Participation Rate with 10% Buffer	Point to Point Annual	90% Participation
1-Year Nasdaq-100 PTP Participation Rate with 10% Buffer	Point to Point Annual	75% Participation
1-Year S&P 500 PTP Participation Rate with 10% Buffer	Point to Point Annual	85% Participation
1-Year MSCI EAFE PTP Cap with 10% Buffer	Point to Point Annual	22% Cap
1-Year Nasdaq-100 PTP Cap with 10% Buffer	Point to Point Annual	16% Cap
1-Year S&P 500 PTP Cap with 10% Buffer	Point to Point Annual	18% Cap
1-Year Nasdaq-100 PTP Participation Rate with 20% Buffer	Point to Point Annual	58% Participation
1-Year MSCI EAFE PTP Participation Rate with 20% Buffer	Point to Point Annual	70% Participation
1-Year S&P 500 PTP Participation Rate with 20% Buffer	Point to Point Annual	65% Participation
1-Year S&P 500 PTP Cap with 20% Buffer	Point to Point Annual	11% Cap

Surrender schedule

Year	1	2	3	4	5	6
Penalty	8%	8%	7%	6%	5%	4%

Riders

Name	Inbuilt	Fee
Return of Purchase Payments Death Benefit (under age 71)	No	0.15% annually
Return of Purchase Payments Death Benefit (age 71 and older)	No	0.40% annually
AccumuLink Advance Accelerated Death Benefit Rider (ages 71 and older)	Yes	1.15% annually
AccumuLink Advance Accelerated Death Benefit Rider (under age 71)	Yes	0.75% annually

Waivers

Death

Surrender charges are waived upon Death

Nursing Home

Surrender charges are waived upon Nursing Home. Withdrawal or surrender during a qualifying Nursing Home stay of the owner or joint owner. There is a one-year waiting period following any change of ownership during which these waiver provisions do not apply

Terminal Illness

Surrender charges are waived upon Terminal Illness. Withdrawal or surrender during a qualifying Terminal Condition of the owner or joint owner. There is a one-year waiting period following any change of ownership during which these waiver provisions do not apply.

Annuitization

Surrender charges are waived upon Annuitization

RMD

Surrender charges are waived upon RMD. Required Minimum Distribution in excess of Free Withdrawal Amount per contract year.

Premium Notes

Maximum Issue Age is 85

Minimum Premium Qualified/Non Qualified $25,000.00

Maximum Premium $2,000,000.00

Withdrawal Provisions

Free withdrawal amount Each year, you can withdraw up to 10% of your annuity’s value (based on your last contract anniversary) without penalty. For new contracts in their first year, this 10% is calculated from your initial purchase payment. Required minimum distribution (RMD)Surrender charges are also waived for any additional withdrawal amounts needed to meet the Internal Revenue Service (IRS) RMD for this contract for a given calendar year. Keep in mind that withdrawals prior to age 59½ may be subject to a 10% federal tax penalty.

Company Founded: 1880

TOP Rated Company

Minnesota Life Insurance Company

Company Ratings