Fixed Indexed Annuity

Surepath Income

Prudential Financial

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 Surepath Income 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

Crediting strategy

Compare against

$150,842

Est. value at age 80 (Surepath Income)

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

Dimensional US Innovation Index — 11% 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 Income's published cap rate (11% 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.

Free Comparison Report

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See how Surepath Income 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 Income

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.

A current headline metric is not available for this product. Confirm current terms with the carrier.

The income-positioned sibling in Prudential's SurePath FIA family, with live crediting, surrender, ratings, and availability facts available on this page, but no published rider-level lifetime-income terms for an age-60, year-10 comparison.

AdvisorWorld + CANNEX data

Best fit

Buyers and advisors comparing SurePath Income's live contract facts while treating lifetime-income specifics as unavailable unless a carrier illustration or source-backed CANNEX rider response supplies the exact mechanics.

AM Best

A+ Superior

Surrender period

10 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

4% cap rate

Annual cap

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

1-year term

10-year surrender

Does not vary by premium

S&P 500

S&P 500 Index

20% participation rate

Participation

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

1-year term

10-year surrender

Does not vary by premium

S&P 500

S&P 500 Index

14% cap rate

Cap strategy

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

3-year term

10-year surrender

Does not vary by premium

S&P 500

S&P 500 Index

28% participation rate

Participation

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

3-year term

10-year surrender

Does not vary by premium

Fixed Account

3% declared rate

Fixed account

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

1-year term

10-year surrender

Does not vary by premium

+ 22 additional crediting options (MSCI EAFE, Goldman Sachs, Dimensional US...)

Lifetime Income

Current income rider details are not available for this product. Confirm current rider terms with the carrier.

Product analyst notes

How to think about this contract

Why it can stand out

Current live data includes the contract's strategy, surrender, ratings, and availability details, but not published rider-level lifetime-income terms for an age-60, year-10 comparison.
SurePath Income remains separate from the base SurePath contract, so buyers should confirm the exact product name and published income terms on the proposal rather than carrying assumptions across sibling products.
The contract carries the same broad bench of proprietary multi-asset and volatility-controlled participation-rate indexes as the base SurePath — Goldman Sachs Voyager, Dimensional US Innovation, J.P. Morgan AQUA, Franklin Templeton Spotlight, and PGIM Quant MAP — across one-, two-, and three-year crediting horizons.
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.
If CANNEX later publishes structured rider details for SurePath Income, those terms can support a direct lifetime-income comparison. Until then, rely on a carrier illustration instead of assumptions from sibling products.

What to confirm

Do not quote a numeric lifetime-income amount, tier, charge, growth formula, equivalent value, or qualified-money treatment from this page while those structured income terms are unavailable in the live data.
SurePath and SurePath Income are separate contracts, not state-specific versions of the same contract. Confirm which product is on the proposal and use a carrier illustration before comparing lifetime-income terms between them.
Underlying index strategies include several proprietary, volatility-controlled and multi-asset indexes. 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 publish caps and participation as multi-year totals (two-year or three-year), not annualized — those headlines need to be annualized before a like-for-like comparison with single-year FIAs.

Not ideal for

Buyers who need exact lifetime-income numbers, charges, growth methodology, or qualified-money treatment directly from this page; those require a carrier illustration or source-backed CANNEX rider data.

Free Comparison Report

Get a Surepath Income rate report

See how Surepath Income 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 (27 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: 102% · 1-yr

Goldman Sachs Voyager Index

participation