Eclipse Accumulator II IUL (launched February 2025 - enhanced flagship)

Securian Financial (Minnesota Life)

Financial Strength A+
IUL Experience 10 years
Policy Portfolio 4 products

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Founded

1880

Assets

$5.5 billion+

AM Best

A+

Participating

120%

Financial Strength Ratings

AM Best A+

S&P AA-

Moody's Not disclosed

Product Benchmarks

Typical Cap Range

Min: 8% | Max: 10% | Current average: 9%

Participation Rates

Min: 100% | Max: 140% | Current average: 120%

Typical Fees

Coi range: Low | Admin fee: Transparent and low | Premium load: Standard

About Securian Financial (Minnesota Life)

140+ year history

Eclipse Accumulator II with new Hindsight Account (60/40/0 split)

Low charges and transparency

Nearly $2B annuity sales (2023)

IPA Flex rider for customization

Company Profile

Headquarters

St. Paul, Minnesota

Founded

1880

Years in IUL

10 years

Assets Under Management

$5.5 billion+

Minimum Premium

$5,000 annual

Issue Ages

0-85 years

Underwriting Speed

2-4 weeks standard

Website

www.securian.com

Financial Ratings

AM Best A+

S&P AA-

Moody's Not disclosed

These ratings indicate excellent financial strength and claims-paying ability.

IUL Policies from Securian Financial (Minnesota Life)

Explore comprehensive Indexed Universal Life insurance solutions

How to Compare: Check the boxes on any 2 policies below, then click "Compare Now" in the green bar that appears.

IUL Policy

Eclipse Accumulator II IUL

Indexed Universal Life solution focused on compounding tax-advantaged cash value.

Cap Rate Varies: 8% to 10%

Floor Protection 0%%

Participation Varies: 100% to 140%

Minimum Premium $5,000 annual

Issue Ages 0-85

NEW enhanced flagship (launched February 2025)
Hindsight Account with 60/40/0 split
Low charges and transparency
Index options: Hindsight Indexed Account (S&P 500, Nasdaq 100, Russell 2000), S&P PRISM, Volatility-controlled

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IUL Policy

Eclipse Protector IUL

Indexed Universal Life solution focused on compounding tax-advantaged cash value.

Cap Rate Varies: 8% to 10%

Floor Protection 0%%

Participation Varies: 100% to 140%

Minimum Premium $5,000 annual

Issue Ages 0-85

Protection-focused design
Low transparent charges
Index options: S&P 500, Multiple options

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IUL Policy

Orion IUL

Indexed Universal Life solution focused on compounding tax-advantaged cash value.

Cap Rate Varies: 8% to 9%

Floor Protection 0%%

Minimum Premium $5,000 annual

Issue Ages 0-85

Securian product line
Index options: S&P 500

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Personalized Planning

Map Out Your Securian Financial (Minnesota Life) Strategy

Partner with fiduciary-aligned specialists to benchmark Securian Financial (Minnesota Life) against other carriers and design an IUL strategy around your goals.

Carrier benchmarking with transparent fee and rider analysis
Custom illustrations tailored to your cash-flow and retirement timeline
Step-by-step implementation with ongoing performance reviews

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Response within one business day

Frequently Asked Questions

Securian Financial (Minnesota Life) currently offers 4 IUL solutions that balance growth potential with downside protection. Our specialists will help you match product features to your retirement or legacy goals.

Securian Financial (Minnesota Life) maintains strong independent ratings including AM Best A+, demonstrating resilient balance sheet strength and consistent claims-paying ability.