Fixed Indexed Annuity

PruSecure Advisor

Prudential Financial

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11.3%

Best S&P 500 Annual Cap

10%

Free W/D

Available jurisdictions

Product data status: July 17, 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.

Model this product

See what PruSecure Advisor 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 17, 2026; not a projection or guarantee.

Premium$100,000

Your age60

Surrender term

Crediting strategy

Compare against

$150,842

Est. value at age 80 (PruSecure Advisor)

11.3%

Best S&P 500 1-yr point-to-point cap

Bloomberg Commodity — 12.3% 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 PruSecure Advisor's published cap rate (12.3% on Bloomberg Commodity) 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 17, 2026.

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See how PruSecure Advisor compares for your age, state, premium, and income goals alongside other Prudential Financial fixed indexed annuity options.

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Live rate data

Run live numbers for PruSecure Advisor

Current rates, riders, crediting strategies, state availability, and contract facts stay scoped to this Prudential Financial product.

Live product data

Rates as of July 17, 2026, from AdvisorWorld and CANNEX.

S&P 500 annual cap rate

11.3% cap on S&P 500

The advisory/fee-based share-class filing of PruSecure — an accumulation-focused fixed indexed annuity from an A.M. Best A+ rated Prudential life subsidiary, with no optional GLWB rider, a flat low-rate surrender ladder built for fee-only accounts, and a recognizable S&P 500 cap alongside multi-year and diversified index strategies.

1-year term7-year surrender$100,000+AdvisorWorld + CANNEX data

Best fit

Fee-only advisory clients whose advisor is recommending a fixed indexed annuity inside a fee-based account and 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 options

5 and 7 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

11.3% cap rate

Annual cap

1-year term · 7-year surrender · $100,000+

Rate varies by premium band.

1-year term

7-year surrender

$100,000+

S&P 500

S&P 500 Index

11.25% cap rate

Annual cap

1-year term · 5-year surrender · $100,000+

Rate varies by premium band.

1-year term

5-year surrender

$100,000+

S&P 500

S&P 500 Index

8.6% trigger rate

Performance trigger

1-year term · 5-year surrender · $100,000+

Rate varies by premium band.

1-year term

5-year surrender

$100,000+

S&P 500

S&P 500 Index

8.65% trigger rate

Performance trigger

1-year term · 7-year surrender · $100,000+

Rate varies by premium band.

1-year term

7-year surrender

$100,000+

S&P 500

S&P 500 Index

60% participation rate

Participation

1-year term · 7-year surrender · $100,000+

Rate varies by premium band.

1-year term

7-year surrender

$100,000+

S&P 500

S&P 500 Index

55% participation rate

Participation

1-year term · 5-year surrender · $100,000+

Rate varies by premium band.

1-year term

5-year surrender

$100,000+

S&P 500

S&P 500 Index

30% cap rate

Cap strategy

3-year term · 7-year surrender · $100,000+

Rate varies by premium band.

3-year term

7-year surrender

$100,000+

S&P 500

S&P 500 Index

28% cap rate

Cap strategy

3-year term · 5-year surrender · $100,000+

Rate varies by premium band.

3-year term

5-year surrender

$100,000+

S&P 500

S&P 500 Index

75% participation rate

Participation

3-year term · 7-year surrender · $100,000+

Rate varies by premium band.

3-year term

7-year surrender

$100,000+

S&P 500

S&P 500 Index

60% participation rate

Participation

3-year term · 5-year surrender · $100,000+

Rate varies by premium band.

3-year term

5-year surrender

$100,000+

S&P 500

S&P 500 Index

65% cap rate

Cap strategy

5-year term · 7-year surrender · $100,000+

Rate varies by premium band.

5-year term

7-year surrender

$100,000+

S&P 500

S&P 500 Index

64% cap rate

Cap strategy

5-year term · 5-year surrender · $100,000+

Rate varies by premium band.

5-year term

5-year surrender

$100,000+

S&P 500

S&P 500 Index

80% participation rate

Participation

5-year term · 7-year surrender · $100,000+

Rate varies by premium band.

5-year term

7-year surrender

$100,000+

S&P 500

S&P 500 Index

75% participation rate

Participation

5-year term · 5-year surrender · $100,000+

Rate varies by premium band.

5-year term

5-year surrender

$100,000+

Dow Jones

Dow Jones U.S. Real Estate

11.55% cap rate

Annual cap

1-year term · 7-year surrender · $100,000+

Rate varies by premium band.

1-year term

7-year surrender

$100,000+

Dow Jones

Dow Jones U.S. Real Estate

11.5% cap rate

Annual cap

1-year term · 5-year surrender · $100,000+

Rate varies by premium band.

1-year term

5-year surrender

$100,000+

Dow Jones

Dow Jones U.S. Real Estate

60% participation rate

Participation

1-year term · 7-year surrender · $100,000+

Rate varies by premium band.

1-year term

7-year surrender

$100,000+

Dow Jones

Dow Jones U.S. Real Estate

55% participation rate

Participation

1-year term · 5-year surrender · $100,000+

Rate varies by premium band.

1-year term

5-year surrender

$100,000+

Dow Jones

Dow Jones U.S. Real Estate

30% cap rate

Cap strategy

3-year term · 7-year surrender · $100,000+

Rate varies by premium band.

3-year term

7-year surrender

$100,000+

Dow Jones

Dow Jones U.S. Real Estate

28% cap rate

Cap strategy

3-year term · 5-year surrender · $100,000+

Rate varies by premium band.

3-year term

5-year surrender

$100,000+

Dow Jones

Dow Jones U.S. Real Estate

75% participation rate

Participation

3-year term · 7-year surrender · $100,000+

Rate varies by premium band.

3-year term

7-year surrender

$100,000+

Dow Jones

Dow Jones U.S. Real Estate

60% participation rate

Participation

3-year term · 5-year surrender · $100,000+

Rate varies by premium band.

3-year term

5-year surrender

$100,000+

Fixed Account

4% declared rate

Fixed account

1-year term · 7-year surrender · $100,000+

1-year term

7-year surrender

$100,000+

Fixed Account

4% declared rate

Fixed account

1-year term · 5-year surrender · $100,000+

1-year term

5-year surrender

$100,000+

+ 44 additional crediting options (MSCI EAFE, Bloomberg Commodity...)

Product analyst notes

How to think about this contract

Why it can stand out

Surrender schedule is a flat low-rate ladder rather than a steep declining ladder — designed for advisory/fee-based accounts where surrender charges are minimized in exchange for a different fee economics, so an unplanned exit costs materially less than on the commission-paid PruSecure filing while still respecting a multi-year structural lock-up.
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 the contract supports both like-for-like S&P 500 comparison and longer-horizon/diversified index choices inside the advisory share class.
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.
Contract spells out strategy floors directly — 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 visible alongside the current ones.

What to confirm

This is the advisory/fee-based share class, designed to be held inside a fee-only advisory account — the buyer should expect the platform's advisory fee to be charged outside the contract on top of any contract-internal economics. The flat-surrender schedule presumes that compensation is delivered through the advisory fee, not through commission embedded in the rate profile, so the contract is materially different from PruSecure even though the underlying index menu looks similar.
This is NOT a guaranteed-lifetime-withdrawal product. The live feed shows zero income riders on this contract — there is no optional GLWB and no Protected Income Value income chassis on PruSecure Advisor. Buyers who need a contractually guaranteed lifetime payout rate from a rider need a different contract (Prudential's SurePath Income, which does carry a GLWB rider, is the income-led product in the lineup).
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 with single-year FIAs.
PruSecure (commission share class) and PruSecure Advisor (this contract) are separate filings — not state-segmented siblings. The rate sheet, surrender ladder, and intended distribution channel differ even though the product name shares the PruSecure root. Confirm the share class on the proposal matches the channel being used.

Not ideal for

Buyers who need a contractually guaranteed lifetime withdrawal rate from a GLWB rider (this contract has none — Prudential's SurePath Income carries the rider instead), buyers buying outside a fee-based advisory relationship (the commission share class PruSecure is the natural match for that channel), buyers who need a plain MYGA-style flat declared rate, or buyers who want a fully liquid short-surrender contract — none of those are what this share class is structured to deliver.

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All crediting strategies

View rate listings (89 strategies)

These are the current crediting strategies available for this product. Use the filters to narrow by index, term, premium band, or rate type.

Par: 55% · 1-yr

S&P 500 Index

participation

5-yr surrender$100,000+

Par: 55% · 1-yr

MSCI EAFE Index

participation

5-yr surrender$100,000+

Par: 55% · 1-yr

Dow Jones U.S. Real Estate

participation

5-yr surrender$100,000+

Par: 55% · 1-yr

Bloomberg Commodity

participation

5-yr surrender$100,000+

Cap: 12% · 1-yr

Bloomberg Commodity

cap

5-yr surrender$100,000+

Cap: 11.5% · 1-yr

MSCI EAFE Index

cap

5-yr surrender$100,000+

Cap: 11.5% · 1-yr

Dow Jones U.S. Real Estate

cap

5-yr surrender$100,000+

Cap: 11.25% · 1-yr

S&P 500 Index

cap

5-yr surrender$100,000+

Trigger: 8.6% · 1-yr

S&P 500 Index

trigger

5-yr surrender$100,000+

Trigger: 7.6% · 1-yr

MSCI EAFE Index

trigger

5-yr surrender$100,000+

Par: 60% · 3-yr

S&P 500 Index

participation

5-yr surrender$100,000+

Par: 60% · 3-yr

Dow Jones U.S. Real Estate

participation

5-yr surrender$100,000+

Par: 60% · 3-yr

Bloomberg Commodity

participation

5-yr surrender$100,000+

Par: 60% · 3-yr

MSCI EAFE Index

participation

5-yr surrender$100,000+

Cap: 33% · 3-yr

Bloomberg Commodity

cap

5-yr surrender$100,000+

Cap: 28% · 3-yr

S&P 500 Index

cap

5-yr surrender$100,000+

Cap: 28% · 3-yr

MSCI EAFE Index

cap

5-yr surrender$100,000+

Cap: 28% · 3-yr

Dow Jones U.S. Real Estate

cap

5-yr surrender$100,000+

Par: 75% · 5-yr

S&P 500 Index

participation

5-yr surrender$100,000+

Par: 75% · 5-yr

MSCI EAFE Index

participation

5-yr surrender$100,000+

Cap: 64% · 5-yr

S&P 500 Index

cap

5-yr surrender$100,000+

Cap: 64% · 5-yr

MSCI EAFE Index

cap

5-yr surrender$100,000+

Par: 45% · 1-yr

S&P 500 Index

participation