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SecureLink Assure 5

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.

SecureLink Assure 5

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About Product

Type

Fixed Index

Purpose

Accumulation

Term

5 Years

Surrender schedule

6.5%

Fee withdrawal:

10%

Market Value Adjustment

Yes

Return Of Premium

Minimum Contribution

$20,000

Maximum Contribution

$2,000,000

Max Age Qualified

Types Of Funds

Non-Qualified, Traditional IRA, IRA-Roth, Inherited IRA, and NQ Stretch

Launch Date

08/24/2026

SecureLink Assure is designed for those who want fewer surprises and a simple path forward.

SecureLink Assure is one of the few fixed indexed annuities where both Index Cap and Trigger Rates are set at the beginning of your contract and will not change for the duration of the Guarantee Period.

CoreRate+ crediting method
Your account is guaranteed a rate of simple interest credited annually. No matter what happens with index performance, each year during the Guarantee Period your account will be credited based on the Core Rate declared at the beginning of your contract. At the end of the Guarantee Period, the index performance is measured. If the index performance over the Guarantee Period exceeds the total guaranteed simple interest credited, a Participation Rate is applied to the excess and credited to your account. If the index performance does not exceed the interest already credited, no additional Index Credit is applied.
Please note: the accounts under the CoreRate+ Indexed Crediting Method are only available at issue.

Available in states: AL, AK, AZ, AR, 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, OR, PA, PR, RI, SC, SD, TN, TX, UT, VT, VI, VA, WA, WV, WI, and WY

Allocation Accounts

Name	Type	Rates
5-Year S&P 500 PTP CoreRate+ and Participation Rate	CoreRate+ 5-Year	3% Fixed 49% Participation
1-Year Fixed Account	Fixed	4.4% Fixed
1-Year S&P 500 PTP Cap with Term Guarantee	Point to Point Annual	9.3% Cap
1-Year MSCI EAFE PTP Cap with Term Guarantee	Point to Point Annual	8.85% Cap
1-Year Nasdaq-100 Volatility Control 12% PTP Cap with Term Guarantee	Point to Point Annual	12.8% Cap
1-Year Nasdaq-100 Volatility Control 12% Performance Triggered with Term Guarantee	Performance Triggered Annual	7.85% Performance triggered
1-Year MSCI EAFE Performance Triggered with Term Guarantee	Performance Triggered Annual	7.6% Performance triggered
1-Year S&P 500 Performance Triggered with Term Guarantee	Performance Triggered Annual	7.6% Performance triggered
5-Year S&P 500 PTP CoreRate+ and Participation Rate	CoreRate+ 5-Year	3% Fixed 50% Participation
1-Year Fixed Account	Fixed	4.5% Fixed
1-Year S&P 500 PTP Cap with Term Guarantee	Point to Point Annual	9.5% Cap
1-Year Nasdaq-100 Volatility Control 12% PTP Cap with Term Guarantee	Point to Point Annual	13% Cap
1-Year MSCI EAFE PTP Cap with Term Guarantee	Point to Point Annual	9% Cap
1-Year S&P 500 Performance Triggered with Term Guarantee	Performance Triggered Annual	7.75% Performance triggered
1-Year MSCI EAFE Performance Triggered with Term Guarantee	Performance Triggered Annual	7.75% Performance triggered
1-Year Nasdaq-100 Volatility Control 12% Performance Triggered with Term Guarantee	Performance Triggered Annual	8% Performance triggered
5-Year S&P 500 PTP CoreRate+ and Participation Rate	CoreRate+ 5-Year	3% Fixed 51% Participation
1-Year Fixed Account	Fixed	4.6% Fixed
1-Year Nasdaq-100 Volatility Control 12% PTP Cap with Term Guarantee	Point to Point Annual	13.2% Cap
1-Year MSCI EAFE PTP Cap with Term Guarantee	Point to Point Annual	9.15% Cap
1-Year S&P 500 PTP Cap with Term Guarantee	Point to Point Annual	9.7% Cap
1-Year S&P 500 Performance Triggered with Term Guarantee	Performance Triggered Annual	7.9% Performance triggered
1-Year MSCI EAFE Performance Triggered with Term Guarantee	Performance Triggered Annual	7.9% Performance triggered
1-Year Nasdaq-100 Volatility Control 12% Performance Triggered with Term Guarantee	Performance Triggered Annual	8.15% Performance triggered

Surrender schedule

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

Hypothetical Projection

Comparison against S&P 500 using current rates

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Riders

No Riders for SecureLink Assure 5 annuity.

Waivers

Death

Surrender Charges and MVA are waived upon the following event: • Death

Nursing Home

Surrender Charges and MVA are waived upon the following event: • Withdrawal or surrender during a qualifying Nursing Home stay or 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.

Terminal Illness

Annuitization

Surrender Charges and MVA are waived upon the following event: • Annuitization

RMD

Surrender Charges and MVA are waived upon the following events: • Required Minimum Distribution (RMD) in excess of Free Withdrawal Amount

Premium Notes

Purchase Payments

Minimum: $20,000
Maximum: $2,000,000 without Home Office approval

Additional purchase payments: Not permitted

Rate banding
With SecureLink Assure, a larger purchase payment may be eligible for higher crediting rates. The rate bands are as follows:

Under $100,000
$100,000 -$499,999
$500,000 or greater

Withdrawal Provisions

Free Withdrawal (Not available on full contract surrender)The free withdrawal amount is equal to 10% of the Contract Value as of the most recent Contract Anniversary (10% of Purchase Payments in the first Contract Year).RMD friendlyWhen required by the IRS, you may withdraw any additional amount needed to meet the IRS Required Minimum Distribution (RMD) from this contract for that year. Keep in mind that withdrawals prior to age 59½ may be subject to a 10% federal tax penalty.Market Value Adjustment (MVA) An adjustment applied upon withdrawal/surrender 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 negative MVA will never cause the amount you receive to be less than the Guaranteed Minimum Surrender Value (GMSV), and a positive MVA will never exceed the amount of Surrender Charge assessed on the withdrawal or surrender. Any limitation will apply in both the positive and negative direction.

Company Founded: 1880

TOP Rated Company

Minnesota Life Insurance Company

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