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Fixed Indexed Annuity

Surepath

Prudential Financial

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9.65%

Best S&P 500 Annual Cap

10%

Free W/D

50

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 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 17, 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 17, 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.

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Live rate data

Run live numbers for Surepath

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

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 surrenderDoes not vary by premiumAdvisorWorld + 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

Index / strategyRate mechanics

S&P 500

S&P 500 Index

9.65% cap rate

Annual cap

1-year term · 10-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

9.25% cap rate

Annual cap

1-year term · 7-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

40% participation rate

Participation

1-year term · 10-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

35% participation rate

Participation

1-year term · 7-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

28% cap rate

Cap strategy

3-year term · 10-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

25% cap rate

Cap strategy

3-year term · 7-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

50% participation rate

Participation

3-year term · 10-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

45% participation rate

Participation

3-year term · 7-year surrender · Does not vary by premium

Fixed Account

Fixed Account

4% declared rate

Fixed account

1-year term · 10-year surrender · Does not vary by premium

Fixed Account

Fixed Account

4% declared rate

Fixed account

1-year term · 7-year surrender · Does not vary by premium

+ 44 additional crediting options (MSCI EAFE, Goldman Sachs, Dimensional US...)

Product analyst notes

How to think about this contract

Why it can stand out

  • 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 contract — 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 contract 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.

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All crediting strategies

View rate listings (53 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: 165% · 1-yr

Goldman Sachs Voyager Index

participation

7-yr surrenderDoes not vary by premium

Par: 40% · 1-yr

MSCI EAFE Index

participation

7-yr surrenderDoes not vary by premium

Par: 35% · 1-yr

S&P 500 Index

participation

7-yr surrenderDoes not vary by premium

Cap: 9.25% · 1-yr

S&P 500 Index

cap

7-yr surrenderDoes not vary by premium

Cap: 7.5% · 1-yr

MSCI EAFE Index

cap

7-yr surrenderDoes not vary by premium

Par: 95% · 1-yr

Dimensional US Innovation Index

participation

7-yr surrenderDoes not vary by premium

Par: 90% · 1-yr

J.P. Morgan AQUA Index

participation

7-yr surrenderDoes not vary by premium

Cap: 13.5% · 1-yr

Dimensional US Innovation Index

cap

7-yr surrenderDoes not vary by premium

Cap: 10.5% · 1-yr

J.P. Morgan AQUA Index

cap

7-yr surrenderDoes not vary by premium

Par: 120% · 1-yr

PGIM Quant MAP Index

participation

7-yr surrenderDoes not vary by premium

Par: 95% · 1-yr

Franklin Templeton Spotlight Index

participation

7-yr surrenderDoes not vary by premium

Cap: 13.5% · 1-yr

Franklin Templeton Spotlight Index

cap

7-yr surrenderDoes not vary by premium

Par: 195% · 2-yr

Goldman Sachs Voyager Index

participation

7-yr surrenderDoes not vary by premium

Par: 150% · 2-yr

Dimensional US Innovation Index

participation

7-yr surrenderDoes not vary by premium

Par: 145% · 2-yr

J.P. Morgan AQUA Index

participation

7-yr surrenderDoes not vary by premium

Par: 170% · 2-yr

PGIM Quant MAP Index

participation

7-yr surrenderDoes not vary by premium

Par: 150% · 2-yr

Franklin Templeton Spotlight Index

participation

7-yr surrenderDoes not vary by premium

Par: 225% · 3-yr

Goldman Sachs Voyager Index

participation

7-yr surrenderDoes not vary by premium

Par: 50% · 3-yr

MSCI EAFE Index

participation

7-yr surrenderDoes not vary by premium

Par: 45% · 3-yr

S&P 500 Index

participation

7-yr surrenderDoes not vary by premium

Cap: 25% · 3-yr

S&P 500 Index

cap

7-yr surrenderDoes not vary by premium

Cap: 25% · 3-yr

MSCI EAFE Index

cap

7-yr surrenderDoes not vary by premium

Par: 170% · 3-yr

Dimensional US Innovation Index

participation

7-yr surrenderDoes not vary by premium

Par: 160% · 3-yr

J.P. Morgan AQUA Index

participation

7-yr surrenderDoes not vary by premium

Par: 210% · 3-yr

PGIM Quant MAP Index

participation

7-yr surrenderDoes not vary by premium

Par: 170% · 3-yr

Franklin Templeton Spotlight Index

participation

7-yr surrenderDoes not vary by premium

Par: 180% · 1-yr

Goldman Sachs Voyager Index

participation

10-yr surrenderDoes not vary by premium

Par: 45% · 1-yr

MSCI EAFE Index

participation

10-yr surrenderDoes not vary by premium

Par: 40% · 1-yr

S&P 500 Index

participation

10-yr surrenderDoes not vary by premium

Cap: 9.65% · 1-yr

S&P 500 Index

cap

10-yr surrenderDoes not vary by premium

Cap: 7.75% · 1-yr

MSCI EAFE Index

cap

10-yr surrenderDoes not vary by premium

Fixed: 4% · 1-yr

Fixed Account

fixed

10-yr surrenderDoes not vary by premium

Par: 99% · 1-yr

Dimensional US Innovation Index

participation

10-yr surrenderDoes not vary by premium

Par: 97% · 1-yr

J.P. Morgan AQUA Index

participation

10-yr surrenderDoes not vary by premium

Cap: 14% · 1-yr

Dimensional US Innovation Index

cap

10-yr surrenderDoes not vary by premium

Cap: 11% · 1-yr

J.P. Morgan AQUA Index

cap

10-yr surrenderDoes not vary by premium

Par: 130% · 1-yr

PGIM Quant MAP Index

participation

10-yr surrenderDoes not vary by premium

Par: 99% · 1-yr

Franklin Templeton Spotlight Index

participation

10-yr surrenderDoes not vary by premium

Cap: 14% · 1-yr

Franklin Templeton Spotlight Index

cap

10-yr surrenderDoes not vary by premium

Par: 200% · 2-yr

Goldman Sachs Voyager Index

participation

10-yr surrenderDoes not vary by premium

Par: 155% · 2-yr

Dimensional US Innovation Index

participation

10-yr surrenderDoes not vary by premium

Par: 150% · 2-yr

J.P. Morgan AQUA Index

participation

10-yr surrenderDoes not vary by premium

Par: 180% · 2-yr

PGIM Quant MAP Index

participation

10-yr surrenderDoes not vary by premium

Par: 155% · 2-yr

Franklin Templeton Spotlight Index

participation

10-yr surrenderDoes not vary by premium

Par: 230% · 3-yr

Goldman Sachs Voyager Index

participation

10-yr surrenderDoes not vary by premium

Par: 55% · 3-yr

MSCI EAFE Index

participation

10-yr surrenderDoes not vary by premium

Par: 50% · 3-yr

S&P 500 Index

participation

10-yr surrenderDoes not vary by premium

Cap: 28% · 3-yr

S&P 500 Index

cap

10-yr surrenderDoes not vary by premium

Cap: 28% · 3-yr

MSCI EAFE Index

cap

10-yr surrenderDoes not vary by premium

Par: 175% · 3-yr

Dimensional US Innovation Index

participation

10-yr surrenderDoes not vary by premium

Par: 165% · 3-yr

J.P. Morgan AQUA Index

participation

10-yr surrenderDoes not vary by premium

Par: 220% · 3-yr

PGIM Quant MAP Index

participation

10-yr surrenderDoes not vary by premium

Par: 175% · 3-yr

Franklin Templeton Spotlight Index

participation

10-yr surrenderDoes not vary by premium

Accumulation profile

Accumulation-focused contract

Current CANNEX information identifies this product as tax-deferred accumulation. Compare cap, participation rate, fees, liquidity, and surrender terms; use a separate payout-focused contract when guaranteed payout mechanics are required.

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 scheduled surrender charges run 10 years; after that the surrender-charge schedule ends. Bonus vesting, market value adjustments when applicable, and other contract rules can still affect the amount available. 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 indexed or fixed crediting options, 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.

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