A.M. Best A- rated · 5 products

S.USA Life Insurance Company, Inc. Annuities — A- Rated

S.USA Life Insurance Company, Inc. is an A.M. Best A--rated annuity carrier. The current lineup includes 5 fixed indexed and multi-year guaranteed annuity products. Below: current annuity rates, financial-strength ratings, product reviews when available, and the full lineup.

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Current rating

A-

A.M. Best

Annuity products

5 products across FIA and MYGA families

Reviewed

June 9, 2026

Product lineup reviewed against current rates.

Lineup Snapshot

Available annuity families and product-type context.

Product pages: 3 FIA product pages, 2 MYGA product pages
Product families: Select Choice, Prosperity PathPro, Prosperity PathPro Max, Safe Solution
Product types: FIA, MYGA

Financial Strength

A.M. Best A-

Financial-strength ratings reflect an insurer's claims-paying ability, not the performance of any annuity contract.

Product Highlights

Current Annuity Highlights

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Carrier Profile

About S.USA Life Insurance Company, Inc.

S.USA Life Insurance Company, Inc., founded in 1995 and headquartered in Roanoke, Virginia, is an Arizona‑domiciled life insurer licensed in 48 states plus Washington, D.C. As a subsidiary of Prosperity Life Group, the company leverages the group’s broad geographic footprint and experienced leadership. It offers a wide range of insurance and annuity products—including annuities, protection, and asset accumulation—distributed through banks, independent marketing organizations, managing general agencies, and independent agents.

Financial Strength In Plain English

S.USA Life Insurance Company, Inc. holds strong ratings from A.M. Best, with both its Financial Strength Rating (A‑) and Long-Term Issuer Credit Rating (a‑) categorized as “Excellent.” These were last affirmed but currently remain under review as of February 6, 2025, due to an imminent acquisition by JAB Holding Company, which A.M. Best is monitoring for potential implications. On the other hand, Weiss Ratings assigns S.USA a “C‑” (Weak) as of July 2025, noting weak profitability and past operating losses offset, in part, by solid liquidity and reasonable capitalization. The company’s COMDEX ranking of 56 also reflects a moderate standing among its rated peers.

ARHQ Notes

From Our Coverage

First-party review context and product-page notes, kept separate from current rate tables.

Product Highlights

Short notes from product pages.

FIAAccumulationA002XE

Prosperity PathPro

A ten-year, accumulation-only fixed indexed annuity from S.USA Life Insurance Company (A.M. Best A-) that pairs a recognizable S&P 500 annual cap option with one- and two-year participation strategies on proprietary volatility-controlled indexes (S&P 500 Engle, Nasdaq Nexus, MSCI USA Balanced).

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MYGASafetyA001AV

Select Choice

A multi-year guaranteed annuity from S.USA Life Insurance Company (A.M. Best A-) offering flat declared rates at 3-, 5-, and 7-year terms with a 7-year declining surrender ladder, premium-band-tiered rates that reward larger deposits, and an RMD-only surrender-charge waiver — available in 46 jurisdictions.

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FIAAccumulationA002XG

Prosperity PathPro Max

A seven-year, accumulation-focused fixed indexed annuity from S.USA Life Insurance Company (A.M. Best A-) that pairs an upfront premium bonus with the same S&P 500 cap and one-/two-year proprietary participation strategies as the sibling Prosperity PathPro — at noticeably lower strategy rates to fund the bonus.

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Features

Index options, riders, and term choices pulled into one quick scan.