Rates, state availability, rider terms, and contract language must be confirmed with a licensed financial advisor or insurance professional before purchase. Guarantees are backed by the issuing insurer.
Model this product
See what Surepath would do for you
Set your numbers and switch between growth, income, and liquidity. Index losses credit 0% — the floor — so a down market never reduces your value.
Product analyzer
Illustrative — live CANNEX rates as of July 13, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$150,842
Est. value at age 80 (Surepath)
9.65%
Best S&P 500 1-yr point-to-point cap
Dimensional US Innovation Index — 14% Cap (Annual)
✦
How crediting works: the cap limits positive index returns; a down year credits 0%, never a loss. A cap strategy tracks the index within its terms. What is a cap vs participation? →
Assumptions: illustrative — applies Surepath's published cap rate (14% on Dimensional US Innovation Index) to a calibrated proprietary/volatility-controlled hypothetical index path (~1.9%/yr average, including down years) with a 0% floor over 20 years. Not a projection, quote, or guarantee. Live CANNEX rates as of July 13, 2026.
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See how Surepath compares for your age, state, premium, and income goals alongside other Prudential Financial fixed indexed annuity options.
Current rates, riders, crediting strategies, state availability, and contract facts stay scoped to this Prudential Financial product.
Live product data
Rates as of July 13, 2026, based on the latest AdvisorWorld scan of CANNEX data.
S&P 500 annual cap rate
9.65% cap on S&P 500
An accumulation-focused fixed indexed annuity from an A.M. Best A+ rated Prudential life subsidiary, with no optional GLWB rider, a recognizable S&P 500 annual cap option, and an unusually broad bench of proprietary multi-asset participation-rate indexes across one-, two-, and three-year crediting horizons.
1-year term10-year surrenderAdvisorWorld + CANNEX data
Best fit
Buyers committing to a multi-year surrender window who want principal-protected indexed growth from an A.M. Best A+ rated Prudential life subsidiary, value a recognizable S&P 500 cap option alongside a broad bench of proprietary participation-rate indexes for additional growth paths, and do not need a contractually guaranteed lifetime-income rider.
AM Best
A+ Superior
Surrender options
7 and 10 years
Free withdrawal
10%/yr
Availability
50 jurisdictions (excl. New York)
Featured crediting strategies
Caps, participation rates, and declared rates are shown separately.
Index / strategyRate mechanicsCreditingSurrenderPremium
S&P 500
S&P 500 Index
9.65% cap rate
Annual cap
1-year term · 10-year surrender · Premium band not shown
1-year term
10-year surrender
Premium band not shown
S&P 500
S&P 500 Index
9.25% cap rate
Annual cap
1-year term · 7-year surrender · Premium band not shown
1-year term
7-year surrender
Premium band not shown
S&P 500
S&P 500 Index
40% participation rate
Participation
1-year term · 10-year surrender · Premium band not shown
1-year term
10-year surrender
Premium band not shown
S&P 500
S&P 500 Index
35% participation rate
Participation
1-year term · 7-year surrender · Premium band not shown
1-year term
7-year surrender
Premium band not shown
S&P 500
S&P 500 Index
28% cap rate
Cap strategy
3-year term · 10-year surrender · Premium band not shown
3-year term
10-year surrender
Premium band not shown
S&P 500
S&P 500 Index
25% cap rate
Cap strategy
3-year term · 7-year surrender · Premium band not shown
3-year term
7-year surrender
Premium band not shown
S&P 500
S&P 500 Index
50% participation rate
Participation
3-year term · 10-year surrender · Premium band not shown
3-year term
10-year surrender
Premium band not shown
S&P 500
S&P 500 Index
45% participation rate
Participation
3-year term · 7-year surrender · Premium band not shown
3-year term
7-year surrender
Premium band not shown
Fixed Account
Fixed Account
4% declared rate
Fixed account
1-year term · 10-year surrender · Premium band not shown
1-year term
10-year surrender
Premium band not shown
Fixed Account
Fixed Account
4% declared rate
Fixed account
1-year term · 7-year surrender · Premium band not shown
Index menu pairs a recognizable S&P 500 annual point-to-point cap with an unusually broad bench of proprietary multi-asset and volatility-controlled participation-rate indexes — Goldman Sachs Voyager, Dimensional US Innovation, J.P. Morgan AQUA, Franklin Templeton Spotlight, and PGIM Quant MAP — across one-year, two-year, and three-year crediting horizons. Buyers can hold the S&P 500 like-for-like option alongside materially different growth mechanics in the same contract.
Carrier financial strength is corroborated by more than one independent agency on this page — A.M. Best and Standard & Poor's both publish ratings on the issuing Prudential entity — so the strength view is triangulated rather than a single-source read.
Free-withdrawal allowance and the full multi-year surrender ladder are visible on this page rather than buried in a brochure, along with three surrender waivers (medically related, RMD, and terminal illness) — so penalty-free liquidity rules and exit-cost waiver triggers are not gated behind a sales conversation.
Contract spells out strategy floors directly — a minimum guaranteed cap on cap-based strategies, a minimum guaranteed participation on participation-rate strategies, and a guaranteed minimum interest rate on the fixed account — so the worst-case crediting terms are visible alongside the current ones.
What to confirm
This is NOT a guaranteed-lifetime-withdrawal product. The live feed shows zero income riders on this filing — there is no optional GLWB and no Protected Income Value income chassis on the base SurePath. Buyers who need a contractually guaranteed lifetime payout rate from a rider need the sibling product SurePath Income, which carries the SurePath Income Rider.
Several of the index options are proprietary, volatility-controlled or multi-asset indexes (Goldman Sachs Voyager, J.P. Morgan AQUA, Dimensional US Innovation, Franklin Templeton Spotlight, PGIM Quant MAP). Their participation rates can look striking in absolute terms but are NOT directly comparable to an S&P 500 cap — evaluate each on its own back-tested behavior and methodology, not on the headline percent.
Multi-year crediting strategies on this contract publish caps and participation rates as multi-year totals (two-year or three-year), not annualized — those headlines are NOT comparable to a one-year S&P 500 cap and need to be annualized before any side-by-side comparison.
Surrender schedule runs the full multi-year ladder with a meaningful first-year charge, so an unplanned exit beyond the annual free-withdrawal allowance carries a real cost. This is a multi-year commitment, not a short-term cash equivalent.
Not ideal for
Buyers who need a contractually guaranteed lifetime withdrawal rate from a GLWB rider (this filing has none — the sibling SurePath Income is the income-rider-paired product), buyers who need short-surrender liquidity, or buyers who want a plain MYGA-style flat declared rate — none of those are what this contract is built to deliver.
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See how Surepath compares for your age, state, premium, and income goals alongside other Prudential Financial fixed indexed annuity options.
These are the current crediting strategy listings returned for this product. Use the filters to narrow by index, term, premium band, or rate type.
Par: 165% · 1-yr
Goldman Sachs Voyager Index
participation
7-yr surrender
Par: 40% · 1-yr
MSCI EAFE Index
participation
7-yr surrender
Par: 35% · 1-yr
S&P 500 Index
participation
7-yr surrender
Cap: 9.25% · 1-yr
S&P 500 Index
cap
7-yr surrender
Cap: 7.5% · 1-yr
MSCI EAFE Index
cap
7-yr surrender
Par: 95% · 1-yr
Dimensional US Innovation Index
participation
7-yr surrender
Par: 90% · 1-yr
J.P. Morgan AQUA Index
participation
7-yr surrender
Cap: 13.5% · 1-yr
Dimensional US Innovation Index
cap
7-yr surrender
Cap: 10.5% · 1-yr
J.P. Morgan AQUA Index
cap
7-yr surrender
Par: 120% · 1-yr
PGIM Quant MAP Index
participation
7-yr surrender
Par: 95% · 1-yr
Franklin Templeton Spotlight Index
participation
7-yr surrender
Cap: 13.5% · 1-yr
Franklin Templeton Spotlight Index
cap
7-yr surrender
Par: 195% · 2-yr
Goldman Sachs Voyager Index
participation
7-yr surrender
Par: 150% · 2-yr
Dimensional US Innovation Index
participation
7-yr surrender
Par: 145% · 2-yr
J.P. Morgan AQUA Index
participation
7-yr surrender
Par: 170% · 2-yr
PGIM Quant MAP Index
participation
7-yr surrender
Par: 150% · 2-yr
Franklin Templeton Spotlight Index
participation
7-yr surrender
Par: 225% · 3-yr
Goldman Sachs Voyager Index
participation
7-yr surrender
Par: 50% · 3-yr
MSCI EAFE Index
participation
7-yr surrender
Par: 45% · 3-yr
S&P 500 Index
participation
7-yr surrender
Cap: 25% · 3-yr
S&P 500 Index
cap
7-yr surrender
Cap: 25% · 3-yr
MSCI EAFE Index
cap
7-yr surrender
Par: 170% · 3-yr
Dimensional US Innovation Index
participation
7-yr surrender
Par: 160% · 3-yr
J.P. Morgan AQUA Index
participation
7-yr surrender
Par: 210% · 3-yr
PGIM Quant MAP Index
participation
7-yr surrender
Par: 170% · 3-yr
Franklin Templeton Spotlight Index
participation
7-yr surrender
Par: 180% · 1-yr
Goldman Sachs Voyager Index
participation
10-yr surrender
Par: 45% · 1-yr
MSCI EAFE Index
participation
10-yr surrender
Par: 40% · 1-yr
S&P 500 Index
participation
10-yr surrender
Cap: 9.65% · 1-yr
S&P 500 Index
cap
10-yr surrender
Cap: 7.75% · 1-yr
MSCI EAFE Index
cap
10-yr surrender
Fixed: 4% · 1-yr
Fixed Account
fixed
10-yr surrender
Par: 99% · 1-yr
Dimensional US Innovation Index
participation
10-yr surrender
Par: 97% · 1-yr
J.P. Morgan AQUA Index
participation
10-yr surrender
Cap: 14% · 1-yr
Dimensional US Innovation Index
cap
10-yr surrender
Cap: 11% · 1-yr
J.P. Morgan AQUA Index
cap
10-yr surrender
Par: 130% · 1-yr
PGIM Quant MAP Index
participation
10-yr surrender
Par: 99% · 1-yr
Franklin Templeton Spotlight Index
participation
10-yr surrender
Cap: 14% · 1-yr
Franklin Templeton Spotlight Index
cap
10-yr surrender
Par: 200% · 2-yr
Goldman Sachs Voyager Index
participation
10-yr surrender
Par: 155% · 2-yr
Dimensional US Innovation Index
participation
10-yr surrender
Par: 150% · 2-yr
J.P. Morgan AQUA Index
participation
10-yr surrender
Par: 180% · 2-yr
PGIM Quant MAP Index
participation
10-yr surrender
Par: 155% · 2-yr
Franklin Templeton Spotlight Index
participation
10-yr surrender
Par: 230% · 3-yr
Goldman Sachs Voyager Index
participation
10-yr surrender
Par: 55% · 3-yr
MSCI EAFE Index
participation
10-yr surrender
Par: 50% · 3-yr
S&P 500 Index
participation
10-yr surrender
Cap: 28% · 3-yr
S&P 500 Index
cap
10-yr surrender
Cap: 28% · 3-yr
MSCI EAFE Index
cap
10-yr surrender
Par: 175% · 3-yr
Dimensional US Innovation Index
participation
10-yr surrender
Par: 165% · 3-yr
J.P. Morgan AQUA Index
participation
10-yr surrender
Par: 220% · 3-yr
PGIM Quant MAP Index
participation
10-yr surrender
Par: 175% · 3-yr
Franklin Templeton Spotlight Index
participation
10-yr surrender
Income riders
Accumulation-focused — no income rider
This contract is designed for tax-deferred accumulation, not guaranteed lifetime income. No GLWB rider was returned because none is part of the contract design — compare against other accumulation FIAs on cap, participation rate, and surrender terms rather than lifetime income.
Common questions about Surepath
● Can I lose money in Surepath?
A negative index return by itself does not reduce the contract's account value: Surepath credits 0% — the floor — for that indexed period. The account value can still decrease from applicable rider fees, Performance Rate Rider or other strategy charges, administrative charges, withdrawals, surrender charges, or other contract-specific deductions. In years with no credited interest, those deductions can reduce the account value. Up to 10% of your value can be withdrawn each year without a charge; withdrawals above the penalty-free amount during the surrender period can incur a surrender charge.
● When can I access my money without a surrender charge?
Up to 10% of your account value each year is penalty-free. The surrender period runs 10 years; after that you reach full liquidity. The Liquidity tab of the analyzer shows the year-by-year surrender charge.
● How do Surepath's crediting strategies compare?
Use "Compare against" in the analyzer to overlay another current Surepath strategy on the same premium, age, years, and hypothetical index path. The control labels the strategy type, rate, index, and context so caps, participation rates, triggers, spreads, and fixed-account choices are not treated as interchangeable.
Key Features
Free withdrawal
10%/yr
Annual amount that may be available without surrender charges, subject to contract terms.
Surrender waivers
3
Medically related surrenders, RMD waiver, Terminal illness waiver
Death benefit
Standard Death Benefit
Beneficiary value depends on contract terms, withdrawals, and rider elections.
Cap-rate floor
1.00%
Minimum guaranteed cap for cap-based indexed strategies.
Fixed account guarantee
1.75%
Guaranteed minimum interest rate for the fixed account.
Participation-rate floor
0.00%
Minimum guaranteed participation rate for participation-rate indexed strategies.
Annuitization options
Single and joint
Contract conversion options should be confirmed before purchase.
Fund types
Non-qualified, Qualified
Availability can vary by state and product terms.
Surrender schedule
Yr 1
9%
Yr 2
9%
Yr 3
8%
Yr 4
7%
Yr 5
6%
Yr 6
5%
Yr 7
4%
Yr 8
3%
Yr 9
2%
Yr 10
1%
After
0%
Medically related surrenders, RMD waiver, Terminal illness waiver, Surrender waivers
Documents
rate sheet
SurePathRateSheet.pdf
Confidence: highReviewed Apr 6, 2026
Direct link not published — request the document from the carrier.
Carrier Ratings
AM BestA+
S&PAA-
S&PAA-
Contract notes from product data
Crediting design
How the interest-crediting choices are framed
Surepath currently shows 53 distinct indexed or fixed crediting choices across 54 current rate listings, including S&P 500 Index, with 44 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, renewal terms, and fee-bearing rider variants are different mechanics and should not be ranked as one simple rate list.
S&P 500 Index: 9.65% annual cap
S&P 500 Index: 9.25% annual cap
S&P 500 Index: 40% annual participation rate
S&P 500 Index: 35% annual participation rate
Liquidity terms
Why access rules deserve as much attention as rates
A fixed indexed annuity can preserve more control than an income-only contract, but access is still governed by the surrender schedule, free-withdrawal terms, and waiver language. Those details are where many product comparisons become more meaningful than a simple rate list.
10%/yr free withdrawal
10 surrender years
Medically related surrenders
RMD waiver
Terminal illness waiver
Verification note
Use carrier materials as term evidence, then confirm the current version
Carrier materials such as SurePathRateSheet.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 8, 2026. For the current brochure, rate sheet, or specimen contract, confirm the state-specific version with the carrier or a licensed financial professional.
Rates and rider terms can vary by state and issue age
Carrier guarantees depend on claims-paying ability
Current contract forms should be confirmed before purchase
Free Comparison Report
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See how Surepath compares for your age, state, premium, and income goals alongside other Prudential Financial fixed indexed annuity options.