Annuity rate data updated daily

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

Fixed Indexed Annuity

Surepath Income

Prudential Financial

4%

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 28, 2026, based on the latest AdvisorWorld scan of CANNEX data.

GLWB lifetime payout rate

12.3% lifetime payout

The income-led filing in Prudential's SurePath FIA family — a fixed indexed annuity from an A.M. Best A+ rated Prudential life subsidiary with a real, optional, RMD-friendly Guaranteed Lifetime Withdrawal Benefit (SurePath Income Rider) in two fee tiers, and a broad bench of proprietary participation-rate indexes feeding the income base underneath.

1% annual rider feeRMD-friendly income ridersAdvisorWorld + CANNEX data

Best fit

Buyers committing to a multi-year surrender window who want a real, optional, RMD-friendly Guaranteed Lifetime Withdrawal Benefit from an A.M. Best A+ rated Prudential life subsidiary, want to choose between a lower- and higher-fee rider tier to match their planned payout, and value a broad bench of participation-rate indexes feeding the income base.

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

4% cap rate

S&P 500

S&P 500 Index

20% participation rate

S&P 500

S&P 500 Index

14% cap rate

S&P 500

S&P 500 Index

28% participation rate

Fixed Account

Fixed Account

3% declared rate

+ 22 volatility-controlled index options (MSCI EAFE, Goldman Sachs, Dimensional US...)

Lifetime Income Riders

Income rider

SurePath Income Rider

RMD friendly
Lifetime payout rate12.3% lifetime payout
Annual rider fee1% annual rider fee

Product analyst notes

How to think about this contract

Why it can stand out

  • Lifetime income comes via a real optional GLWB rider — the SurePath Income Rider, marked type GLWB and RMD-friendly in the live feed — with two fee tiers a buyer can choose between. The lower-fee tier reduces drag against the income base; the higher-fee tier ties to a richer income mechanism. The two tiers are visible directly on this page rather than buried in a brochure.
  • Underneath the rider, 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, so the income base is fed by a real growth engine, not just a fixed roll-up.
  • 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.
  • Rider economics are spelled out on the page — the rider fee is charged annually on the income base, the payout rate scales with the elected fee tier, the rider is available starting at a low minimum issue age (45), and the contract is flagged RMD-friendly so qualified retirement money interacts predictably with required minimum distributions.

What to confirm

  • The GLWB rider is optional and carries an explicit annual fee on each tier, charged on the income base rather than the account value. Effective cost can run higher than the headline fee rate when the income base outgrows the account value, so a buyer should model the rider fee through the planned deferral horizon before committing to a tier. The higher payout rate ties to the higher-fee tier — the trade-off between rider cost and lifetime payout has to be evaluated on the specific deferral plan, not on either headline number alone.
  • SurePath (base, A00095) and SurePath Income (this filing, A00097) are separate filings — not state-segmented siblings. The base filing has zero income riders attached and is structured for accumulation; this filing carries the SurePath Income Rider and is structured for guaranteed lifetime income. Confirm which filing is on the proposal before comparing payout rates against the rider-less sibling.
  • 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 want a rider-fee-free income mechanism (a Protected Income Value chassis — not the structure here), buyers who only need accumulation and don't want to pay a rider fee (the sibling SurePath filing is the natural match), buyers who need short-surrender liquidity, or buyers who want a plain MYGA-style flat declared rate — none of those are what this filing 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: 102% · 1-yr

Goldman Sachs Voyager Index

participation

10-yr surrender

Par: 20% · 1-yr

S&P 500 Index

participation

10-yr surrender

Par: 20% · 1-yr

MSCI EAFE Index

participation

10-yr surrender

Cap: 4.25% · 1-yr

MSCI EAFE Index

cap

10-yr surrender

Cap: 4% · 1-yr

S&P 500 Index

cap

10-yr surrender

Fixed: 3% · 1-yr

Fixed Account

fixed

10-yr surrender

Par: 90% · 1-yr

Dimensional US Innovation Index

participation

10-yr surrender

Par: 75% · 1-yr

J.P. Morgan AQUA Index

participation

10-yr surrender

Cap: 11% · 1-yr

Dimensional US Innovation Index

cap

10-yr surrender

Cap: 9% · 1-yr

J.P. Morgan AQUA Index

cap

10-yr surrender

Par: 105% · 1-yr

PGIM Quant MAP Index

participation

10-yr surrender

Par: 90% · 1-yr

Franklin Templeton Spotlight Index

participation

10-yr surrender

Cap: 11% · 1-yr

Franklin Templeton Spotlight Index

cap

10-yr surrender

Par: 115% · 2-yr

Dimensional US Innovation Index

participation

10-yr surrender

Par: 110% · 2-yr

Goldman Sachs Voyager Index

participation

10-yr surrender

Par: 100% · 2-yr

J.P. Morgan AQUA Index

participation

10-yr surrender

Par: 155% · 2-yr

PGIM Quant MAP Index

participation

10-yr surrender

Par: 115% · 2-yr

Franklin Templeton Spotlight Index

participation

10-yr surrender

Par: 130% · 3-yr

Goldman Sachs Voyager Index

participation

10-yr surrender

Par: 28% · 3-yr

S&P 500 Index

participation

10-yr surrender

Par: 28% · 3-yr

MSCI EAFE Index

participation

10-yr surrender

Cap: 14.25% · 3-yr

MSCI EAFE Index

cap

10-yr surrender

Cap: 14% · 3-yr

S&P 500 Index

cap

10-yr surrender

Par: 140% · 3-yr

Dimensional US Innovation Index

participation

10-yr surrender

Par: 115% · 3-yr

J.P. Morgan AQUA Index

participation

10-yr surrender

Par: 195% · 3-yr

PGIM Quant MAP Index

participation

10-yr surrender

Par: 140% · 3-yr

Franklin Templeton Spotlight Index

participation

10-yr surrender

Par: 102% · 1-yr

Goldman Sachs Voyager Index

Par: 20% · 1-yr

S&P 500 Index

Par: 20% · 1-yr

MSCI EAFE Index

Cap: 4.25% · 1-yr

MSCI EAFE Index

Cap: 4% · 1-yr

S&P 500 Index

Fixed: 3% · 1-yr

Fixed Account

Par: 90% · 1-yr

Dimensional US Innovation Index

Par: 75% · 1-yr

J.P. Morgan AQUA Index

Cap: 11% · 1-yr

Dimensional US Innovation Index

Cap: 9% · 1-yr

J.P. Morgan AQUA Index

Par: 105% · 1-yr

PGIM Quant MAP Index

Par: 90% · 1-yr

Franklin Templeton Spotlight Index

Cap: 11% · 1-yr

Franklin Templeton Spotlight Index

Par: 115% · 2-yr

Dimensional US Innovation Index

Par: 110% · 2-yr

Goldman Sachs Voyager Index

Par: 100% · 2-yr

J.P. Morgan AQUA Index

Par: 155% · 2-yr

PGIM Quant MAP Index

Par: 115% · 2-yr

Franklin Templeton Spotlight Index

Par: 130% · 3-yr

Goldman Sachs Voyager Index

Par: 28% · 3-yr

S&P 500 Index

Par: 28% · 3-yr

MSCI EAFE Index

Cap: 14.25% · 3-yr

MSCI EAFE Index

Cap: 14% · 3-yr

S&P 500 Index

Par: 140% · 3-yr

Dimensional US Innovation Index

Par: 115% · 3-yr

J.P. Morgan AQUA Index

Par: 195% · 3-yr

PGIM Quant MAP Index

Par: 140% · 3-yr

Franklin Templeton Spotlight Index

Income riders

Income rider

SurePath Income Rider

RMD friendly
Lifetime withdrawal rate12.3%
Annual rider fee1%
Withdrawal-base growthNot shown
Deferral assumed10 years
Issue age45 — 120

GLWB

Income rider

SurePath Income Rider

RMD friendly
Lifetime withdrawal rate12.3%
Annual rider fee2.5%
Withdrawal-base growthNot shown
Deferral assumed10 years
Issue age45 — 120

GLWB

Income rider

SurePath Income Rider

RMD friendly
Lifetime withdrawal rate6.8%
Annual rider fee1%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age45 — 120

GLWB

Income rider

SurePath Income Rider

RMD friendly
Lifetime withdrawal rate6.8%
Annual rider fee2.5%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age45 — 120

GLWB

Income rider

SurePath Income Rider

RMD friendly
Lifetime withdrawal rate4.2%
Annual rider fee1%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age45 — 120

GLWB

Income rider

SurePath Income Rider

RMD friendly
Lifetime withdrawal rate4.2%
Annual rider fee2.5%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age45 — 120

GLWB

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: 5.00%

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

10%

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

brochure

1018636_SurePathIncomeClientBrochure.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 Income currently shows 27 distinct indexed or fixed crediting choices across 54 current rate listings, including S&P 500 Index, with 22 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: 4% cap
  • S&P 500 Index: 20% participation
  • S&P 500 Index: 14% cap

Income rider language

What to look for before treating the rider as income

SurePath Income Rider is the main income-rider entry returned for this product. Rider terms can affect the tradeoff between future lifetime withdrawals, contract value, beneficiary value, and cost, so the exact state version and rider election should be confirmed before comparing it to annuitization or income-only contracts.

  • 12.3% withdrawal rate
  • 1% rider fee
  • 10 deferral years
  • RMD friendly

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 1018636_SurePathIncomeClientBrochure.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

Get a personalized Surepath Income illustration

See year-by-year projections for your specific age, premium, and income goals.

Get Free Report

Related Resources