Investing

Investing is the activity of forecasting the yield over the life of an asset. Using Benjamin Graham’s definition, "an investment operation is one which, upon thorough analysis, promises safety of principal and an adequate return. Operations not meeting these requirements are speculative."

Strategic Partners Advisor

Annuity Product Types: 
Company Offering: 
Variable Annuity Fields
Minimum Premium Payment: 
10000
Minimum Additional Premium Payment: 
500
Maximum Age at Start of Contract: 
85 years
Minimum Total Fees and Expenses: 
2%
Maximum Total Fees and Expenses: 
3%
Minimum Mortality and Expense Risk Charge “M&E Fee”: 
1%
Maximum Mortality and Expense Risk Charge “M&E Fee”: 
2%
Administrative and Contract Maintenance Expense: 
0%
Administrative Fee: 
$30
Minimum Investment Management Fee: 
0%
Maximum Investment Management Fee: 
1%
Ability to Select Asset Allocation: 
Yes
Total Number of Investment Options: 
58
Maximum Number of Concurrent Investment Options: 
58
Guaranteed Death Benefit: 
Available
Are Telephone Transactions Allowed: 
Yes
Commissions (Maximum): 
2%

Discovery Plus

Annuity Product Types: 
Company Offering: 
Surrender Fees: 
7%
7%
7%
6%
5%
4%
0%
Variable Annuity Fields
Minimum Premium Payment: 
10000
Maximum Premium Payment: 
2000000
Minimum Additional Premium Payment: 
1000
Minimum Total Fees and Expenses: 
2%
Maximum Total Fees and Expenses: 
2%
Minimum Mortality and Expense Risk Charge “M&E Fee”: 
1%
Maximum Mortality and Expense Risk Charge “M&E Fee”: 
1%
Administrative and Contract Maintenance Expense: 
0%
Administrative Fee: 
$30
Minimum Investment Management Fee: 
0%
Maximum Investment Management Fee: 
1%
Ability to Select Asset Allocation: 
Yes
Total Number of Investment Options: 
14
Maximum Number of Concurrent Investment Options: 
14
Free Withdrawals: 
Yes
Free Withdrawal Limit: 
10
Waiver of Withdrawal Charges: 
Available
Guaranteed Death Benefit: 
Available
Are Telephone Transactions Allowed: 
Yes
Commissions (Maximum): 
6%

Discovery Preferred

Annuity Product Types: 
Company Offering: 
Surrender Fees: 
7%
6%
5%
4%
3%
2%
1%
0%
Variable Annuity Fields
Minimum Premium Payment: 
10000
Maximum Premium Payment: 
2000000
Minimum Additional Premium Payment: 
1000
Minimum Age at Start of Contract: 
86years
Minimum Total Fees and Expenses: 
2%
Maximum Total Fees and Expenses: 
2%
Minimum Mortality and Expense Risk Charge “M&E Fee”: 
1%
Maximum Mortality and Expense Risk Charge “M&E Fee”: 
1%
Administrative and Contract Maintenance Expense: 
0%
Administrative Fee: 
$0
Minimum Investment Management Fee: 
0%
Maximum Investment Management Fee: 
1%
Total Number of Investment Options: 
12
Maximum Number of Concurrent Investment Options: 
12
Free Withdrawals: 
Yes
Free Withdrawal Limit: 
10
Waiver of Withdrawal Charges: 
Available
Guaranteed Death Benefit: 
Available
Are Telephone Transactions Allowed: 
Yes
Commissions (Maximum): 
6%

Securian

Short Company Name: 
Securian
Long Company Name: 
Securian Financial Group

Securian Financial Group is located in St. Paul, Minnesota and was founded in 1880. It is the parent company for Minnesota Life Insurance Company and Securian Life Insurance Company which, together, sell insurance, investment and retirement products to individuals and businesses in 50 states.

The product and services offered by Securian Financial Group and its member companies to individuals and businesses include life insurance, group insurance, annuities, retirement planning, investment advisory, and financial planning. A brief overview of the offerings is given below:

Company Type: 
Insurance Company
Address
Street Address: 
Securian Center 400 and 401 Robert Street North
City: 
St. Paul
State: 
MN
ZIP Code: 
55101
Country: 
USA
Phone Number: 
800-362-3141
Fax Number: 
651-665-4488
Year Founded: 
1880

Risk Free Retirement

So what is the cost of having a retirement that is essentially free of financial risk?

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