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SecureLink Ultra 5

The SecureLink Ultra 5 is a fantastic annuity product! It promises you a stable income during your golden years. No more worrying about outliving your savings. You've earned this tranquility!

The product brochure highlights the excellent return rates and flexibility. As times change, so can your plan. Invest in your peace of mind with the SecureLink Ultra 5.

SecureLink Ultra 5

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Ratings:

A.M. Best A+
Fitch AA
S&P AA-
Moody's Aa3
Comdex 96

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About Product

Type

Fixed Index

Purpose

Accumulation

Term

5 Years

Surrender schedule

9%8%7%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, IRA, IRA Rollover, IRA Transfer, IRA-Roth, Inherited IRA, and NQ Stretch

Launch Date

03/12/2018

SecureLink Ultra 5 combines both protection and growth potential, to help you create a more confident path to your future retirement.

Waiver of surrender charge and MVA
After 1st contract anniversary for following qualifying events:

Hospital, medical care stay
Terminal condition
Annuitization
Death

Inverse Performance Trigger may not be available — check with broker dealer.

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, OR, PA, PR, RI, SC, SD, TN, TX, UT, VT, VI, VA, WA, WV, WI, and WY

Allocation Accounts

Name	Type	Rates
1-Year Fixed Account	Fixed	3.9% Fixed
1-Year Barclays All Caps Trailblazer 5 PTP Participation Rate with Spread	Point to Point Annual	200% Participation 2% Spread
1-Year SG Climate Prepared PTP Participation Rate	Point to Point Annual	160% Participation
1-Year SG Climate Prepared PTP Participation Rate with Spread	Point to Point Annual	200% Participation 2% Spread
1-Year S&P 500 PTP Participation Rate	Point to Point Annual	48% Participation
1-Year S&P 500 PTP Cap	Point to Point Annual	8.8% Cap
1-Year Barclays All Caps Trailblazer 5 PTP Participation Rate	Point to Point Annual	160% Participation
1-Year MSCI EAFE PTP Cap	Point to Point Annual	8.25% Cap
1-Year S&P 500 Performance Triggered	Performance Triggered Annual	5.85% Performance triggered
1-Year S&P 500 Inverse Performance Triggered	Inverse Perf Triggered Annual	12.2% Performance triggered
1-Year Fixed Account	Fixed	4% Fixed
1-Year Barclays All Caps Trailblazer 5 PTP Participation Rate with Spread	Point to Point Annual	205% Participation 2% Spread
1-Year SG Climate Prepared PTP Participation Rate	Point to Point Annual	165% Participation
1-Year SG Climate Prepared PTP Participation Rate with Spread	Point to Point Annual	205% Participation 2% Spread
1-Year MSCI EAFE PTP Cap	Point to Point Annual	8.5% Cap
1-Year Barclays All Caps Trailblazer 5 PTP Participation Rate	Point to Point Annual	165% Participation
1-Year S&P 500 PTP Participation Rate	Point to Point Annual	50% Participation
1-Year S&P 500 PTP Cap	Point to Point Annual	9% Cap
1-Year S&P 500 Performance Triggered	Performance Triggered Annual	6% Performance triggered
1-Year S&P 500 Inverse Performance Triggered	Inverse Perf Triggered Annual	12.5% Performance triggered
1-Year Fixed Account	Fixed	4.1% Fixed
1-Year Barclays All Caps Trailblazer 5 PTP Participation Rate with Spread	Point to Point Annual	210% Participation 2% Spread
1-Year SG Climate Prepared PTP Participation Rate	Point to Point Annual	170% Participation
1-Year SG Climate Prepared PTP Participation Rate with Spread	Point to Point Annual	210% Participation 2% Spread
1-Year S&P 500 PTP Participation Rate	Point to Point Annual	52% Participation
1-Year S&P 500 PTP Cap	Point to Point Annual	9.2% Cap
1-Year MSCI EAFE PTP Cap	Point to Point Annual	8.75% Cap
1-Year Barclays All Caps Trailblazer 5 PTP Participation Rate	Point to Point Annual	170% Participation
1-Year S&P 500 Performance Triggered	Performance Triggered Annual	6.15% Performance triggered
1-Year S&P 500 Inverse Performance Triggered	Inverse Perf Triggered Annual	12.8% Performance triggered
1-Year S&P 500 PTP Cap with Term Guarantee	Point to Point Annual	7.3% Cap
1-Year S&P 500 PTP Cap with Term Guarantee	Point to Point Annual	7.5% Cap
1-Year S&P 500 PTP Cap with Term Guarantee	Point to Point Annual	7.7% Cap

Surrender schedule

Year	1	2	3	4	5
Penalty	9%	8%	7%	6%	5%

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Investment Amount $

Riders

No Riders for SecureLink Ultra 5 annuity.

Waivers

Death

Available after the 1st contract anniversary for the following qualifying event: Death

Hospital

Available after the 1st contract anniversary for the following qualifying event: Hospital, medical care stay (confinement of at least 90 days).

Terminal Illness

Available after the 1st contract anniversary for the following qualifying event: Terminal condition (life expectancy of 12 months or less).

Annuitization

Available after the 1st contract anniversary for the following qualifying event: Annuitization

Withdrawal Provisions

Market Value Adjustment (MVA)

Applies only during the Surrender Charge Period on amounts in excess of Free Withdrawal. (MVA not applicable in CA)

Free withdrawal (Not subject to surrender charge or MVA)

10% of prior contract anniversary value (1st contract year, 10% of purchase payment)
RMD in excess of 10%

Not available upon full surrender (except in California).

Other Minnesota Life Products

SecureLink Ultra 7

SecureLink Ultra 5

SecureLink Chronic Illness Access

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