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Fixed Indexed Annuity

Safe Solution

S.USA Life Insurance Company, Inc.

9.25%

Best Cap

10%

Free W/D

44

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 seven-year, accumulation-only fixed indexed annuity from S.USA Life Insurance Company (A.M. Best A-) with an intentionally narrow S&P 500-only strategy menu — an annual cap plus a declared-rate trigger strategy — and a meaningful minimum-premium threshold.

1-year termAdvisorWorld + CANNEX data

Best fit

Accumulation-focused buyers who can meet the carrier's minimum-premium threshold, want a streamlined S&P 500-only index choice (cap or trigger) rather than a menu of proprietary volatility-controlled indexes, can lock in a 7-year surrender window, and do not need a contractually guaranteed lifetime income rider.

AM Best

A- Excellent

Surrender period

7 years

Free withdrawal

10%/yr

Availability

44 jurisdictions

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

9.25% cap rate

S&P 500

S&P 500 Index

8.5% cap rate

Rate varies by premium band.

S&P 500

S&P 500 Index

100% participation rate + 7% declared rate

S&P 500

S&P 500 Index

100% participation rate + 6.75% declared rate

Rate varies by premium band.

Fixed Account

Fixed Account

3.9% declared rate

Fixed Account

Fixed Account

4.5% declared rate

Rate varies by premium band.

Product analyst notes

How to think about this contract

Why it can stand out

  • Strategy menu is intentionally narrow and recognizable — every index option on this contract is the S&P 500 (annual point-to-point cap, and an annual point-to-point trigger strategy with a fixed declared credit at full participation) or a daily-credited fixed account. There are no proprietary volatility-controlled indexes to evaluate.
  • Trigger strategy pays a fixed declared credit in any year the S&P 500 closes positive over the term — a binary mechanic that takes the index move out of the equation as long as the index is up, useful as a structural alternative to a capped strategy on the same index.
  • Surrender period is 7 years — shorter than the 10-year Prosperity PathPro sibling — and the contract publishes an annual free-withdrawal allowance on the page.
  • Carrier financial strength is rated A- (Excellent) by A.M. Best — published on the page rather than left unstated.

What to confirm

  • This filing carries a meaningful minimum-premium threshold per the live feed — this is not a small-deposit product. Buyers below that threshold need a different filing. Confirm the minimum-premium figure on the page before applying.
  • 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.
  • Surrender-period liquidity is limited compared to siblings — the live feed shows no nursing-home, terminal-illness, or RMD surrender-charge waivers on this filing beyond the standard annual free-withdrawal allowance. Plan around the unwaived 7-year surrender 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 simpler strategy lineup on offer.

Not ideal for

Buyers below the contract's minimum-premium threshold, buyers who need a contractually guaranteed lifetime withdrawal rate from a GLWB rider, want exposure to non-S&P indexes inside the same contract, need nursing-home/terminal-illness surrender waivers, 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 (6 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: 100% + Fixed: 7% · 1-yr

S&P 500 Index

trigger

5-yr surrender$100,000+

Cap: 9.25% · 1-yr

S&P 500 Index

cap

5-yr surrender$100,000+

Fixed: 3.9% · 1-yr

Fixed Account

fixed

5-yr surrender$100,000+

Par: 100% + Fixed: 6.75% · 1-yr

S&P 500 Index

$100,000+

Cap: 8.5% · 1-yr

S&P 500 Index

$100,000+

Fixed: 4.5% · 1-yr

Fixed Account

$100,000+

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.

Linked review

Safe Solution review notes

Explore the Safe Solution Fixed Indexed Annuity by Prosperity Life, combining market-linked growth with principal protection.

4.5/5Read review
Nikhil Bhauwala

Key Features

Free withdrawal

10%/yr

Annual amount that may be available without surrender charges, subject to contract terms.

Death benefit

Standard Death Benefit

Beneficiary value depends on contract terms, withdrawals, and rider elections.

Strategy guarantee

Minimum guaranteed cap: 1.00%

Strategy guarantee

Minimum guaranteed declared rate: 0.25%

Strategy guarantee

Guaranteed minimum interest rate (fixed): 1.00%

Annuitization options

Single life

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

8%

Yr 3

7%

Yr 4

6%

Yr 5

5%

Yr 6

4%

Yr 7

3%

After

0%

Documents

brochure

FormS-BROFIAENY17-9-2019-FIA-Consumer-Brochure-_-NY-GENERIC.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

Safe Solution currently shows 5 distinct indexed or fixed crediting choices across 6 current rate listings, including S&P 500 Index and Fixed Account. 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
  • S&P 500 Index: 8.5% cap
  • S&P 500 Index: 100% 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
  • 7 surrender years

Verification note

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

Carrier materials such as FormS-BROFIAENY17-9-2019-FIA-Consumer-Brochure-_-NY-GENERIC.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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