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Fixed Indexed Annuity

Prosperity PathPro

S.USA Life Insurance Company, Inc.

9.25%

Best Cap

10%

Free W/D

47

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

9.25% cap on S&P 500

A ten-year, accumulation-only fixed indexed annuity from S.USA Life Insurance Company (A.M. Best A-) that pairs a recognizable S&P 500 annual cap option with one- and two-year participation strategies on proprietary volatility-controlled indexes (S&P 500 Engle, Nasdaq Nexus, MSCI USA Balanced).

1-year termAdvisorWorld + CANNEX data

Best fit

Accumulation-focused buyers who can commit to a ten-year deferral, want a recognizable S&P 500 cap option alongside proprietary participation-rate strategies (including two-year crediting choices), and do not need a contractually guaranteed lifetime income rider.

AM Best

A- Excellent

Surrender period

10 years

Free withdrawal

10%/yr

Availability

47 jurisdictions

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

9.25% cap rate

Fixed Account

Fixed Account

4.5% declared rate

+ 7 volatility-controlled index options (Engle, Nasdaq Nexus, Balanced...)

Product analyst notes

How to think about this contract

Why it can stand out

  • Crediting menu pairs a recognizable S&P 500 annual point-to-point cap option with proprietary participation-rate indexes (S&P 500 Engle VT, Nasdaq Nexus NC, MSCI USA Balanced FC), so buyers can hold a like-for-like S&P comparison option alongside the higher-participation volatility-controlled strategies in the same contract.
  • Two-year participation strategies are offered alongside the one-year strategies on every proprietary index, so a buyer who can tolerate the longer crediting window can elect a higher participation rate without leaving the contract.
  • Surrender-period liquidity is supported by three waivers — nursing-home, terminal-illness, and RMD — and an annual free-withdrawal allowance, all visible on this page rather than gated behind a sales brochure.
  • Carrier financial strength is rated A- (Excellent) by A.M. Best — a mid-tier rating that is published on the page rather than left unstated.

What to confirm

  • This is NOT a guaranteed-lifetime-withdrawal product. The live feed shows no income riders attached. Do not compare its strategy rates side-by-side with a rider-led GLWB product without accounting for the structural difference — an FIA without a rider is built for accumulation, not for a contractual lifetime payout.
  • Several of the index options are proprietary, volatility-controlled indexes (S&P 500 Engle VT TCA, Nasdaq Nexus NC, MSCI USA Balanced FC). Their participation rates can look high in absolute terms but are not directly comparable to an S&P 500 cap — evaluate each on its own merits and its own back-tested behavior.
  • Surrender period runs a full ten years, so this contract assumes the buyer can leave the principal locked beyond the annual free-withdrawal allowance for the duration of the schedule.
  • Carrier financial strength is rated A- by A.M. Best — solid but a notch below the A / A+ ratings several larger carriers carry. Buyers who prioritize the highest-tier financial strength view should weigh that against the strategy lineup on offer.

Not ideal for

Buyers who need a contractually guaranteed lifetime withdrawal rate from a GLWB rider, want short-surrender liquidity, prefer a simple MYGA-style declared rate, or want the highest-tier A++ financial-strength view — none of those are what this contract is structured to deliver.

All crediting strategies

View rate listings (18 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: 90% · 1-yr

MSCI USA Balanced FC Index

participation

10-yr surrender

Par: 80% · 1-yr

Nasdaq Nexus 12% NC Index

participation

10-yr surrender

Par: 70% · 1-yr

S&P 500 Engle 14% VT TCA Index (USD) ER

participation

10-yr surrender

Cap: 9.25% · 1-yr

S&P 500 Index

cap

10-yr surrender

Cap: 9.25% · 1-yr

S&P 500 Engle 14% VT TCA Index (USD) ER

cap

10-yr surrender

Fixed: 4.5% · 1-yr

Fixed Account

fixed

10-yr surrender

Par: 110% · 2-yr

MSCI USA Balanced FC Index

participation

10-yr surrender

Par: 100% · 2-yr

Nasdaq Nexus 12% NC Index

participation

10-yr surrender

Par: 90% · 2-yr

S&P 500 Engle 14% VT TCA Index (USD) ER

participation

10-yr surrender

Par: 90% · 1-yr

MSCI USA Balanced FC Index

Par: 80% · 1-yr

Nasdaq Nexus 12% NC Index

Par: 70% · 1-yr

S&P 500 Engle 14% VT TCA Index (USD) ER

Cap: 9.25% · 1-yr

S&P 500 Index

Cap: 9.25% · 1-yr

S&P 500 Engle 14% VT TCA Index (USD) ER

Fixed: 4.5% · 1-yr

Fixed Account

Par: 110% · 2-yr

MSCI USA Balanced FC Index

Par: 100% · 2-yr

Nasdaq Nexus 12% NC Index

Par: 90% · 2-yr

S&P 500 Engle 14% VT TCA Index (USD) ER

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

Nursing home waiver, 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): 1.00%

Strategy guarantee

Minimum guaranteed participation: 10.00%

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

9.25%

Yr 2

9.25%

Yr 3

8.25%

Yr 4

7.25%

Yr 5

6.25%

Yr 6

5.25%

Yr 7

4.25%

Yr 8

3%

Yr 9

2%

Yr 10

1%

After

0%

Nursing home waiver, RMD waiver, Terminal illness waiver, Surrender waivers

Documents

brochure

PLGM-2502-PP_Prosperity-PathPro-Series-CDB.pdf

Confidence: highReviewed Apr 8, 2026

Direct link not published — request the document from the carrier.

Carrier Ratings

AM BestA-

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

Prosperity PathPro currently shows 9 distinct indexed or fixed crediting choices across 18 current rate listings, including S&P 500 Index and Fixed Account, with 7 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: 9.25% cap
  • Fixed Account: 4.5% fixed

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
  • Nursing home waiver
  • RMD waiver
  • Terminal illness waiver

Verification note

Use carrier materials as term evidence, then confirm the current version

Carrier materials such as PLGM-2502-PP_Prosperity-PathPro-Series-CDB.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 24, 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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