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Product Details
SecureOption Focus 5 ROP
Company social profile:
Product Name
SecureOption Focus 5 ROP
Annuity Type
FA
Issuing Insurance Company and Ratings
Securian Life Insurance Company
Ratings
Product Information
The SecureOption Focus 5 ROP is a single premium deferred annuity which will accept additional premiums during the first six months. The SecureOption Focus 5 ROP features a 7 year surrender charge schedule and a Return of Purchase Payment Guarantee. This annuity is intended for long-term accumulation needs such as retirement planning. It is not meant for short term financial goals.
Key Features
Premium Types: 1st Year or Less
Minimum Premium: 10,000
Maximum Premium: 2,000,000
Free Look Period: 20 Days
Rate Lock Period: 60 Days
Tax-Qualified: IRA, NonQual, IRA-Roth, IRA Rollover, Inherited IRA
Rates
Effective Date: 01/04/2026
Initial Guarantee Period: 5 years
Next Change: N/A
Premium Amount: $100,000 - See Notes (High-Band)
3 Year Guarantee Period Annual Yield:
Interest rate start of year 1 through end of year 3:
Current
4.05%
4.05%
Premium Amount: $100,000+
Current
5 Year Guarantee Period Annual Yield:
$100,000 through $2,000,000%
Interest rate start of year 1 through end of year 5:
$100,000 through $2,000,000%
Accumulation Value (assuming no withdrawals)
Premium Amount: $50,000 - $99,999
Current
5 Year Guarantee Period Annual Yield:
$35,000 through $99,999%
Interest rate start of year 1 through end of year 5:
$35,000 through $99,999%
Accumulation Value (assuming no withdrawals)
Premium Amount: $25,000 - $99,999
Current
5 Year Guarantee Period Annual Yield:
$10,000 through $34,999%
Interest rate start of year 1 through end of year 5:
$10,000 through $34,999%
Accumulation Value (assuming no withdrawals)
Accumulation Value (assuming no withdrawals)
Deposit Amount: $
Premium Amount: $100,000 - See Notes (Low-Band)
Additional purchase payments allowed during first 6 months.
Interest rate start of year 1 through end of year 3:
Current
4.05%
4.05%
Accumulation Value (assuming no withdrawals)
Deposit Amount: $
State Approvals
N/A
Withdrawal Provisions
First Year Withdrawals: 10%
Withdrawal Years 2+: 10%
Wait Period Interest Only : No Wait
Withdraw from the accumulation Value After : Immediately
Minimum Policy Value : $2,000
Withdrawl Calculated On: Accumulation
Date For Calculation: Issue
Systematic Withdrawl: Yes
Min Withdrawl Amount: $250
Cumulative Free Withdrawl: No
Eligibility & Restrictions
Age Limits(Owner and Annuitant): 88
Premium Limits: Additional purchase payments allowed during first 6 months.
State Restrictions: Not available in GU PR VI
