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Rate data refreshes daily from AdvisorWorld and CANNEX carrier feeds. View current rates

Fixed Indexed Annuity

PruSecure

Prudential Financial

9.5%

Best Cap

10%

Free W/D

50

Jurisdictions

Product data status: May 29, 2026

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.

Live product data

Rates as of May 29, 2026, based on the latest AdvisorWorld scan of CANNEX data.

S&P 500 annual cap rate

9.5% 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 alongside multi-year and diversified index strategies, and a published surrender ladder with three waivers visible on the page.

1-year termAdvisorWorld + 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 annual cap option alongside multi-year and diversified index choices, and do not need a contractually guaranteed lifetime-income rider.

AM Best

A+ Superior

Surrender period

7 years

Free withdrawal

10%/yr

Availability

50 jurisdictions (excl. New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

9.5% cap rate

Rate varies by premium band.

S&P 500

S&P 500 Index

100% participation rate + 7.75% declared rate

Rate varies by premium band.

S&P 500

S&P 500 Index

50% participation rate

Rate varies by premium band.

S&P 500

S&P 500 Index

25% cap rate

Rate varies by premium band.

S&P 500

S&P 500 Index

55% participation rate

Rate varies by premium band.

S&P 500

S&P 500 Index

60% cap rate

Rate varies by premium band.

S&P 500

S&P 500 Index

70% participation rate

Rate varies by premium band.

Dow Jones

Dow Jones U.S. Real Estate

10% cap rate

Rate varies by premium band.

Dow Jones

Dow Jones U.S. Real Estate

50% participation rate

Rate varies by premium band.

Dow Jones

Dow Jones U.S. Real Estate

25% cap rate

Rate varies by premium band.

Dow Jones

Dow Jones U.S. Real Estate

55% participation rate

Rate varies by premium band.

Fixed Account

Fixed Account

4% declared rate

+ 11 volatility-controlled index options (MSCI EAFE, Bloomberg Commodity...)

Product analyst notes

How to think about this contract

Why it can stand out

  • 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.
  • The index menu pairs a recognizable S&P 500 annual point-to-point cap with multi-year crediting options (three-year and five-year point-to-point) and additional indices (MSCI EAFE, Dow Jones U.S. Real Estate, Bloomberg Commodity), so a buyer can hold the like-for-like S&P 500 single-year option alongside longer-horizon and diversified index choices in the same contract.
  • Free-withdrawal allowance and the full 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 the schedule of penalty-free liquidity and the carrier's exit-cost-waiver triggers are not gated behind a sales conversation.
  • Contract guarantees the strategy floors directly on the page — a minimum guaranteed cap on indexed strategies, a minimum guaranteed declared rate on the declared-rate strategy, and a guaranteed minimum interest rate on the fixed account — so the worst-case crediting terms are spelled out 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 rider and no Protected Income Value income chassis available on PruSecure. Buyers who need a contractually guaranteed lifetime payout rate from a rider need a different contract.
  • Surrender schedule is a multi-year declining ladder with a meaningful first-year charge, so an unplanned early exit beyond the annual free-withdrawal allowance carries a real cost. This is a multi-year commitment, not a short-term cash equivalent.
  • PruSecure and PruSecure Advisor are two separate filings of share-class variants from the same carrier — PruSecure is the traditional commission-paid share class with the standard surrender ladder, while PruSecure Advisor is the advisory/fee-based share class with a flatter surrender schedule. They are not state-segmented siblings and the rate sheet, share-class fee profile, and surrender ladder differ — confirm which share class is on offer before comparing rates side-by-side.
  • Multi-year crediting strategies on this contract publish caps as multi-year totals (three-year or five-year), not annualized — the multi-year cap headlines are NOT comparable to a one-year annual cap and need to be annualized before any like-for-like comparison.

Not ideal for

Buyers who need a contractually guaranteed lifetime withdrawal rate from a GLWB rider (this filing has none — PruSecure's income-paired sibling SurePath Income carries the rider instead), 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.

All crediting strategies

View rate listings (46 rows)

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: 50% · 1-yr

S&P 500 Index

participation

5-yr surrender$100,000+

Par: 50% · 1-yr

MSCI EAFE Index

participation

5-yr surrender$100,000+

Par: 50% · 1-yr

Dow Jones U.S. Real Estate

participation

5-yr surrender$100,000+

Par: 50% · 1-yr

Bloomberg Commodity

participation

5-yr surrender$100,000+

Cap: 11% · 1-yr

Bloomberg Commodity

cap

5-yr surrender$100,000+

Cap: 10% · 1-yr

MSCI EAFE Index

cap

5-yr surrender$100,000+

Cap: 10% · 1-yr

Dow Jones U.S. Real Estate

cap

5-yr surrender$100,000+

Cap: 9.5% · 1-yr

S&P 500 Index

cap

5-yr surrender$100,000+

Fixed: 4% · 1-yr

Fixed Account

fixed

5-yr surrender$100,000+

Par: 55% · 3-yr

S&P 500 Index

participation

5-yr surrender$100,000+

Par: 55% · 3-yr

Dow Jones U.S. Real Estate

participation

5-yr surrender$100,000+

Par: 55% · 3-yr

Bloomberg Commodity

participation

5-yr surrender$100,000+

Par: 55% · 3-yr

MSCI EAFE Index

participation

5-yr surrender$100,000+

Cap: 30% · 3-yr

Bloomberg Commodity

cap

5-yr surrender$100,000+

Cap: 25% · 3-yr

S&P 500 Index

cap

5-yr surrender$100,000+

Cap: 25% · 3-yr

MSCI EAFE Index

cap

5-yr surrender$100,000+

Cap: 25% · 3-yr

Dow Jones U.S. Real Estate

cap

5-yr surrender$100,000+

Par: 70% · 5-yr

S&P 500 Index

participation

5-yr surrender$100,000+

Par: 70% · 5-yr

MSCI EAFE Index

participation

5-yr surrender$100,000+

Cap: 60% · 5-yr

S&P 500 Index

cap

5-yr surrender$100,000+

Cap: 60% · 5-yr

MSCI EAFE Index

cap

5-yr surrender$100,000+

Par: 100% + Fixed: 7.75% · 1-yr

S&P 500 Index

trigger

7-yr surrender$100,000+

Par: 100% + Fixed: 6.75% · 1-yr

MSCI EAFE Index

trigger

7-yr surrender$100,000+

Par: 50% · 1-yr

S&P 500 Index

$100,000+

Par: 50% · 1-yr

MSCI EAFE Index

$100,000+

Par: 50% · 1-yr

Dow Jones U.S. Real Estate

$100,000+

Par: 50% · 1-yr

Bloomberg Commodity

$100,000+

Cap: 11% · 1-yr

Bloomberg Commodity

$100,000+

Cap: 10% · 1-yr

MSCI EAFE Index

$100,000+

Cap: 10% · 1-yr

Dow Jones U.S. Real Estate

$100,000+

Cap: 9.5% · 1-yr

S&P 500 Index

$100,000+

Fixed: 4% · 1-yr

Fixed Account

$100,000+

Par: 100% + Fixed: 7.75% · 1-yr

S&P 500 Index

$100,000+

Par: 100% + Fixed: 6.75% · 1-yr

MSCI EAFE Index

$100,000+

Par: 55% · 3-yr

S&P 500 Index

$100,000+

Par: 55% · 3-yr

Dow Jones U.S. Real Estate

$100,000+

Par: 55% · 3-yr

Bloomberg Commodity

$100,000+

Par: 55% · 3-yr

MSCI EAFE Index

$100,000+

Cap: 30% · 3-yr

Bloomberg Commodity

$100,000+

Cap: 25% · 3-yr

S&P 500 Index

$100,000+

Cap: 25% · 3-yr

MSCI EAFE Index

$100,000+

Cap: 25% · 3-yr

Dow Jones U.S. Real Estate

$100,000+

Par: 70% · 5-yr

S&P 500 Index

$100,000+

Par: 70% · 5-yr

MSCI EAFE Index

$100,000+

Cap: 60% · 5-yr

S&P 500 Index

$100,000+

Cap: 60% · 5-yr

MSCI EAFE Index

$100,000+

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.

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.

Strategy guarantee

Minimum guaranteed cap: 1.00%

Strategy guarantee

Minimum guaranteed declared rate: 0.50%

Strategy guarantee

Guaranteed minimum interest rate (fixed): 1.75%

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%

After

0%

Medically related surrenders, RMD waiver, Terminal illness waiver, Surrender waivers

Documents

brochure

PruSecure-Client-Brochure.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

PruSecure currently shows 23 distinct indexed or fixed crediting choices across 46 current rate listings, including S&P 500 Index, with 11 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, and renewal terms are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 9.5% cap
  • S&P 500 Index: 100% participation
  • S&P 500 Index: 50% participation

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
  • 7 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 PruSecure-Client-Brochure.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

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