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Guaranteed income

Your income for life.

See the highest guaranteed monthly income your savings can pay you — one honest number, with your principal protected for your heirs.

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Your rate

Your best guaranteed rate.

Enter your amount, state, and age to find the highest guaranteed fixed-annuity rate for your money — from the top A-rated carriers, with what it grows to at maturity.

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Savings Library

Every guide, in plain English.

How annuities and CDs actually work — the guarantees, the trade-offs, the tax. No jargon, no sign-up.

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Our process

How a decision works with us.

Three steps, no pressure: learn and compare, get a personalized plan mailed to your door, then a best-interest review that can still say no.

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Fixed annuity carrier

Securian fixed annuity rates

Securian issues 1 fixed annuity in 7-year terms.

3.75% Top APY

A+ AM Best

Available products

Pick your state to see what's available

Showing nationally available rates. Filings vary by state — pick yours above to see exactly what you can buy.

Product	7-yr	Min
SecureOption Focus NY	3.75%	$10k	↓
Surrender schedule 7-yr 7% / 7% / 7% / 6% / 5% / 4% / 3% Free withdrawal Up to 10% of the contract value can be withdrawn each year free of surrender charges. Unused free-withdrawal amounts may carry forward to subsequent years. Features Terminal Illness Waiver · Nursing Home Waiver · Death Benefit Waiver · RMD-Friendly (RMD withdrawals exempt from surrender charge) · Return of Premium · Return of Premium

About Securian

AM Best rating: A+ What this means
State guaranty coverage: Each contract is backed by the issuing carrier and the applicable state guaranty association up to that state's statutory limit. See limits by state.

The Verification Checklist, printed and mailed.

Before you decide

Let us mail you our Verification Checklist.

It shows you how to check Securian for yourself — what your state guarantees if the carrier ever fails, what you can take out early and what that costs.

Free. Arrives in about a week.