Prudential WealthGuard
Prudential Financial
4.95%
5-yr guarantee
10%
Free W/D
50
Jurisdictions
Live product data
Rates as of May 29, 2026, based on the latest AdvisorWorld scan of CANNEX data.
Lead-term guaranteed rate
4.95% guaranteed for 5 years
A multi-year guaranteed annuity from Prudential Annuities Life Assurance Corporation (an A.M. Best A+ Prudential subsidiary), publishing 3-, 5-, and 7-year guarantee periods under one filing, with a 7-year surrender ladder shared across all three terms, an annual free-withdrawal allowance on the high end for the category, and nursing-home and terminal-illness waivers visible on the page.
Best fit
Buyers who want a flat, contractually guaranteed rate from an A.M. Best A+ (Superior) Prudential life subsidiary and want the flexibility to elect a 3-, 5-, or 7-year guarantee period under a single filing, value a generous published free-withdrawal allowance paired with nursing-home and terminal-illness waivers, and accept a shared 7-year surrender ladder across all three terms.
AM Best
A+ Superior
Surrender period
7 years
Free withdrawal
10%/yr
Availability
50 jurisdictions (excl. New York)
Product analyst notes
How to think about this contract
Why it can stand out
- Three guarantee-period choices (3, 5, and 7 years) are filed under the same product, so a buyer can match the term length to a defined planning horizon and the rate-by-term table on this page shows the term-versus-yield trade-off directly — without having to compare across filings.
- Annual free-withdrawal allowance is set on the high end for a MYGA on this site — visible on this page rather than buried in a brochure — paired with two surrender waivers (nursing home and terminal illness), so penalty-free liquidity rules and the contract's exit-cost waiver triggers are visible directly on the page.
- Backed by Prudential Annuities Life Assurance Corporation, an A.M. Best A+ (Superior) rated life subsidiary of one of the largest U.S. life insurers, with carrier financial-strength views corroborated across two independent agencies — A.M. Best and Standard & Poor's — rather than a single-agency read.
- Surrender schedule is a 7-year ladder shared across all three term elections, so the lock-up window for the 3-year and 5-year terms extends past their guarantee periods — a structural detail the page makes visible directly rather than buried in fine print, and one a buyer needs to weigh when comparing the 3- and 5-year terms to flat-ladder MYGAs from other carriers.
What to confirm
- The surrender schedule is a 7-year ladder for all three term elections. A buyer electing the 3-year or 5-year guarantee period still sits inside the surrender window after the guarantee period ends — so an early exit at the end of the 3- or 5-year guarantee, but before year 7, still incurs a surrender charge unless the deposit is rolled to a new MYGA term. This is structurally different from MYGAs where the surrender ladder ends with the guarantee period.
- The live MYGA rate feed for this filing publishes multiple rate tiers at each term — different deposit-size premium bands earn different guaranteed rates. The actual rate a specific deposit will earn depends on which premium band the deposit falls into. Verify the rate for the actual deposit size with the carrier before signing — do not assume the headline rate applies at every band.
- Death benefit is the standard contractual beneficiary value with no roll-up or step-up enhancement, and there is no guaranteed-lifetime-withdrawal rider on this filing — this contract is built for rate certainty over the chosen term, not for legacy enhancement or guaranteed lifetime income.
- The contract is not available with a 10-year term — buyers who want a 10-year fixed-rate horizon on this carrier need a different filing or carrier.
Not ideal for
Buyers who need a 10-year fixed-rate horizon on this carrier, buyers electing the 3- or 5-year term who want the surrender ladder to end with the guarantee period (this contract keeps a 7-year ladder regardless of term), buyers who want a stepped-up or rollup-enhanced death benefit, buyers who expect a guaranteed-lifetime-withdrawal rider, or buyers who want market-linked upside through index crediting — a multi-year guaranteed annuity is not designed to deliver any of those.
Guaranteed Rates by Term
| Term | Guaranteed Rate |
|---|---|
| 3-Year | 4.05% |
| 5-Year | 4.95% |
| 7-Year | 5% |
Key Features
Free withdrawal
10%/yrAnnual amount that may be available without surrender charges, subject to contract terms.
Surrender waivers
2Nursing home waiver, Terminal illness waiver
Death benefit
Standard Death BenefitBeneficiary value depends on contract terms, withdrawals, and rider elections.
Annuitization options
Single and jointContract conversion options should be confirmed before purchase.
Fund types
Non-qualified, QualifiedAvailability can vary by state and product terms.
Surrender Schedule
Yr 1
7%
Yr 2
7%
Yr 3
7%
Yr 4
6%
Yr 5
5%
Yr 6
4%
Yr 7
3%
After
0%
Nursing home waiver, Terminal illness waiver, Surrender waivers
Carrier Ratings
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