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Fixed Indexed Annuity

Surepath

Prudential Financial

9%

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% 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 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 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 period

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

8.75% cap rate

S&P 500

S&P 500 Index

9% cap rate

S&P 500

S&P 500 Index

25% participation rate

S&P 500

S&P 500 Index

30% participation rate

S&P 500

S&P 500 Index

25% cap rate

S&P 500

S&P 500 Index

28% cap rate

S&P 500

S&P 500 Index

35% participation rate

S&P 500

S&P 500 Index

40% participation rate

Fixed Account

Fixed Account

3% declared rate

+ 37 volatility-controlled index 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 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.

All crediting strategies

View rate listings (54 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: 165% · 1-yr

Goldman Sachs Voyager Index

participation

7-yr surrender

Par: 25% · 1-yr

S&P 500 Index

participation

7-yr surrender

Par: 25% · 1-yr

MSCI EAFE Index

participation

7-yr surrender

Cap: 8.75% · 1-yr

S&P 500 Index

cap

7-yr surrender

Cap: 7.5% · 1-yr

MSCI EAFE Index

cap

7-yr surrender

Fixed: 3% · 1-yr

Fixed Account

fixed

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: 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: 225% · 3-yr

Goldman Sachs Voyager Index

participation

7-yr surrender

Par: 35% · 3-yr

S&P 500 Index

participation

7-yr surrender

Par: 35% · 3-yr

MSCI EAFE 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: 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: 180% · 2-yr

PGIM Quant MAP Index

participation

10-yr surrender

Par: 155% · 2-yr

Franklin Templeton Spotlight 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

Par: 180% · 1-yr

Goldman Sachs Voyager Index

Par: 30% · 1-yr

S&P 500 Index

Par: 30% · 1-yr

MSCI EAFE Index

Cap: 9% · 1-yr

S&P 500 Index

Cap: 7.75% · 1-yr

MSCI EAFE Index

Fixed: 3% · 1-yr

Fixed Account

Par: 99% · 1-yr

Dimensional US Innovation Index

Par: 97% · 1-yr

J.P. Morgan AQUA Index

Cap: 14% · 1-yr

Dimensional US Innovation Index

Cap: 11% · 1-yr

J.P. Morgan AQUA Index

Par: 130% · 1-yr

PGIM Quant MAP Index

Par: 99% · 1-yr

Franklin Templeton Spotlight Index

Cap: 14% · 1-yr

Franklin Templeton Spotlight Index

Par: 200% · 2-yr

Goldman Sachs Voyager Index

Par: 155% · 2-yr

Dimensional US Innovation Index

Par: 150% · 2-yr

J.P. Morgan AQUA Index

Par: 180% · 2-yr

PGIM Quant MAP Index

Par: 155% · 2-yr

Franklin Templeton Spotlight Index

Par: 230% · 3-yr

Goldman Sachs Voyager Index

Par: 40% · 3-yr

S&P 500 Index

Par: 40% · 3-yr

MSCI EAFE Index

Cap: 28% · 3-yr

S&P 500 Index

Cap: 28% · 3-yr

MSCI EAFE Index

Par: 175% · 3-yr

Dimensional US Innovation Index

Par: 165% · 3-yr

J.P. Morgan AQUA Index

Par: 220% · 3-yr

PGIM Quant MAP Index

Par: 175% · 3-yr

Franklin Templeton Spotlight Index

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

Guaranteed minimum interest rate (fixed): 1.75%

Strategy guarantee

Minimum guaranteed participation: 0.00%

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 46 distinct indexed or fixed crediting choices across 54 current rate listings, including S&P 500 Index, with 37 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: 8.75% cap
  • S&P 500 Index: 9% cap
  • S&P 500 Index: 25% 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
  • 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

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