At Securian Financial, our mutual heritage means we focus on long-term value – not short-term trends. This commitment has been demonstrated by strong historical interest crediting for our indexed universal life (IUL) policyholders and continues today with increases in caps & participation rates on many inforce IUL policies. These increases are a direct reflection of our enduring financial strength and disciplined management through all market environments.
As always, our goal is to help you deliver lasting value and confidence to the clients who trust you with their financial future.
New rates take effect November 22, 2025
Premium received and index segments created on or after November 22 will receive the new rates. Premium received by November 21 will continue to use current rates. Illustrations will update on November 22, 2025.
Here’s what’s changing
Eclipse Accumulator IUL
(with policy dates prior to 9/15/23)
| Nov-25
| Dec-25
|
|
|
Prior rate |
New rate |
% Change |
| Indexed Account A – S&P 500® – 100% Participation |
8.25% |
8.50% |
+0.25% |
| Indexed Account F – Euro STOXX 50 – 100% Participation |
10% |
10.25% |
+0.25% |
| Indexed Account G – S&P 500 – Low Volatility |
Uncapped |
Uncapped |
|
| Participation Rate |
50% |
55% |
+5% |
| Indexed Account O – S&P PRISM® |
Uncapped |
Uncapped |
|
| Participation Rate |
170% |
175% |
+5% |
|
|
|
| Eclipse IUL, Eclipse Survivor IUL, and Omega Builder IUL
| Nov-25
| Dec-25
|
|
| Minnesota Life Insurance Company |
Prior rate |
New rate |
% Change |
| Indexed Account A – S&P 500 – 100% Participation |
7.50% |
7.75% |
+0.25% |
| Indexed Account B – S&P 500 – 140% Participation |
4.40% |
4.55% |
+0.15% |
| 140% participation results in maximum crediting rate of: |
6.16% |
6.37% |
+0.21% |
| Indexed Account D – S&P 500 3-Year – 140% Participation |
15% |
15.25% |
+0.25% |
| 140% participation results in maximum crediting rate of: |
21% |
21.35% |
+0.35% |
| Indexed Account E – Blended – 100% Participation |
6.50% |
6.75% |
+0.25% |
| Indexed Account F – Euro STOXX 50 – 100% Participation |
7.75% |
8% |
+0.25% |
| Indexed Account G – S&P 500 – Low Volatility |
Uncapped |
Uncapped |
|
| Participation Rate |
45% |
50% |
+5% |
| Indexed Account O – S&P PRISM |
Uncapped |
Uncapped |
|
| Participation Rate |
135% |
140% |
+5% |
|
|
|
| Eclipse Protector IUL and Eclipse Survivor Pro IUL
| Nov-25
| Dec-25
|
|
| Minnesota Life Insurance Company |
Prior rate |
New rate |
% Change |
| Indexed Account A – S&P 500 – 100% Participation |
6% |
6.25% |
+0.25% |
| Indexed Account B – S&P 500 – 140% Participation |
3.75% |
3.90% |
+0.15% |
| 140% participation results in maximum crediting rate of: |
5.25% |
5.46% |
+0.21% |
| Indexed Account D – S&P 500 3-Year – 140% Participation |
12.50% |
12.75% |
+0.25% |
| 140% participation results in maximum crediting rate of: |
17.50% |
17.85% |
+0.35% |
| Indexed Account E – Blended – 100% Participation |
5.50% |
5.75% |
+0.25% |
| Indexed Account F – Euro STOXX 50 – 100% Participation |
6.25% |
6.50% |
+0.25% |
|
|
|
Eclipse Protector II IUL
(with policy dates prior to 9/15/23)
| Nov-25
| Dec-25
|
|
|
Prior rate |
New rate |
% Change |
| Indexed Account A – S&P 500 – 100% Participation |
7.75% |
8% |
+0.25% |
| Indexed Account F – Euro STOXX 50 – 100% Participation |
9.25% |
9.50% |
+0.25% |
| Indexed Account G – S&P 500 – Low Volatility |
Uncapped |
Uncapped |
|
| Participation Rate |
50% |
55% |
+5% |
|
|
|
Eclipse Survivor II IUL
(with policy dates prior to 9/15/23)
| Nov-25
| Dec-25
|
|
|
Prior rate |
New rate |
% Change |
| Indexed Account A – S&P 500 – 100% Participation |
8.25% |
8.50% |
+0.25% |
| Indexed Account F – Euro STOXX 50 – 100% Participation |
10% |
10.25% |
+0.25% |
| Indexed Account G – S&P 500 – Low Volatility |
Uncapped |
Uncapped |
|
| Participation Rate |
50% |
55% |
+5% |
| Indexed Account O – S&P PRISM |
Uncapped |
Uncapped |
|
| Participation Rate |
170% |
175% |
+5% |
|
|
|
| Orion IUL
| Nov-25
| Dec-25
|
|
|
Prior rate |
New rate |
% Change |
| Indexed Account A – S&P 500 – 100% Participation |
7.50% |
7.75% |
+0.25% |
| Indexed Account E – Blended – 100% Participation |
6.50% |
6.75% |
+0.25% |
| Indexed Account G – S&P 500 – Low Volatility |
Uncapped |
Uncapped |
|
| Participation Rate |
45% |
50% |
+5% |
| Indexed Account H – S&P 500 – Low Volatility 2-Year |
Uncapped |
Uncapped |
|
| Participation Rate |
60% |
65% |
+5% |
| Indexed Account J – S&P 500 – Index Multiplier of .10 – 100% Participation |
5.50% |
5.75% |
+0.25% |
| Indexed Account K – S&P 500 – 100% Participation |
8.25% |
8.50% |
+0.25% |
| Indexed Account L – S&P 500 – 100% Participation – Multiplier Account |
7% |
7.25% |
+0.25% |
| Index Segment Charge |
1.50% |
1.50% |
|
| Indexed Account M – S&P 500 – Low Volatility – Multiplier Account |
Uncapped |
Uncapped |
|
| Participation Rate |
40% |
45% |
+5% |
| Indexed Account O – S&P PRISM |
Uncapped |
Uncapped |
|
| Participation Rate |
135% |
140% |
+5% |
|
|
|
| Value Protection IUL
| Nov-25
| Dec-25
|
|
|
Prior rate |
New rate |
% Change |
| Indexed Account A – S&P 500 – 100% Participation |
7.50% |
7.75% |
+0.25% |
| Indexed Account E – Blended – 100% Participation |
9% |
9.25% |
+0.25% |
| Indexed Account F – Euro STOXX 50 – 100% Participation |
8.50% |
8.75% |
+0.25% |
| Indexed Account G – S&P 500 – Low Volatility |
Uncapped |
Uncapped |
|
| Participation Rate |
50% |
55% |
+5% |
|
|
|
To view current rates on all new and previously issued policies please log into our financial professional site.
