Is Securian a Good Insurance Company?
Over 100 Carriers to Quote From. Here are a few of them!
Is Securian a good insurance company? At Diversified Insurance Brokers, we partner with over 100 top-rated carriers to help retirees, pre-retirees, and families find the right insurance and annuity solutions. Securian Financial, a highly respected mutual holding company, has been serving clients since 1880. Known for its financial strength, diverse product portfolio, and customer-focused service, Securian offers a range of life insurance and annuity products designed to protect your assets, provide guaranteed income, and support long-term financial goals.
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About Securian Financial
Securian Financial is one of the largest and most established financial services companies in the United States. As a mutual holding company, it operates with a long-term perspective, prioritizing the interests of its policyholders. Securian maintains strong financial ratings and a track record of delivering on its commitments, making it a trusted choice for those seeking stability and reliability.
Popular Securian Products
- Term Life Insurance: Affordable coverage for a set period, ideal for income replacement needs.
- Permanent Life Insurance: Whole life and universal life options that offer lifetime protection and potential cash value growth.
- Fixed Indexed Annuities (FIAs): Combines principal protection with growth potential linked to market performance.
- Multi-Year Guaranteed Annuities (MYGAs): Offers a guaranteed interest rate for a set term with no market risk.
- Income Annuities: Provides guaranteed income for life or a specific period.
Who Securian Is a Good Fit For
- Retirees seeking guaranteed lifetime income
- Families looking for strong life insurance options
- Pre-retirees aiming to protect assets and lock in interest rates
- Those wanting a financially strong, policyholder-focused carrier
Pros of Securian
- Over 140 years of financial stability
- Wide range of insurance and annuity products
- Strong financial ratings and reputation
- Policyholder-focused mutual structure
Considerations
- Some products may have higher minimum premiums than competitors
- Product availability can vary by state
Our Take
At Diversified Insurance Brokers, we view Securian as a top-tier carrier for those who value stability, competitive product options, and a policyholder-first approach. Whether you’re seeking lifetime income through an annuity or affordable life insurance coverage, Securian provides strong, reliable solutions to help protect your financial future.
FAQs: Is Securian a Good Insurance Company?
What are Securian’s financial strength ratings?
Securian Financial has an A+ (Superior) rating from A.M. Best with a stable outlook, affirming its strong financial soundness.
How long has Securian been in business?
Securian Financial has been serving customers for over a century, with roots reaching back to the late 1800s.
What types of insurance and financial products does Securian offer?
Securian offers a wide range of life insurance (term, whole, permanent), annuities (fixed, indexed, variable), retirement, group employee benefits, and hybrid life/LTC products.
What do customer reviews say about Securian?
Reviews are mixed. Many customers praise the variety of product offerings and relatively few complaints for its size. On the other hand, there are complaints about customer service delays, claim processing issues, and documentation or response problems.
What are some of Securian’s strengths?
Strengths include strong ratings from independent agencies, broad product selection, long company history, financial stability, and innovation (such as hybrid policies).
What are potential drawbacks or what to watch out for?
Potential issues include higher fees in certain variable products, lower transparency about some policy details on its consumer website, and some negative feedback around customer service and claim delays.
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About the Author:
Jason Stolz, CLTC, CRPC, is a senior insurance and retirement professional with more than two decades of real-world experience helping individuals, families, and business owners protect their income, assets, and long-term financial stability. As a long-time partner of the nationally licensed independent agency Diversified Insurance Brokers, Jason provides trusted guidance across multiple specialties—including fixed and indexed annuities, long-term care planning, personal and business disability insurance, life insurance solutions, and short-term health coverage. Diversified Insurance Brokers maintains active contracts with over 100 highly rated insurance carriers, ensuring clients have access to a broad and competitive marketplace.
His practical, education-first approach has earned recognition in publications such as VoyageATL, highlighting his commitment to financial clarity and client-focused planning. Drawing on deep product knowledge and years of hands-on field experience, Jason helps clients evaluate carriers, compare strategies, and build retirement and protection plans that are both secure and cost-efficient.
