PruSecure
Prudential Financial
31%
Best Cap
10%
Free W/D
50
States
PruSecure is a fixed indexed annuity that protects your principal from market losses while giving you the opportunity to earn returns based on stock market index performance. It's designed for people who want growth potential without the risk of losing money in a downturn.
Free Withdrawal
10%/yr
Available In
50 states
Min Premium
$10,000
Surrender
7 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| Bloomberg Commodity | 3Y | 31% | 100% | -- |
| Bloomberg Commodity | Annual | 11.3% | 100% | -- |
| Dow Jones U.S. Real Estate | 3Y | 27% | 100% | -- |
| Dow Jones U.S. Real Estate | Annual | 10.05% | 100% | -- |
| MSCI EAFE Index | 3Y | 27% | 100% | -- |
| MSCI EAFE Index | 5Y | 60% | 100% | -- |
| MSCI EAFE Index | Annual | 10.05% | 100% | -- |
| S&P 500 Index | 3Y | 27% | 100% | -- |
| S&P 500 Index | 5Y | 60% | 100% | -- |
| S&P 500 Index | Annual | 9.55% | 100% | -- |
| Fixed Account | Daily | -- | -- | 4% |
Key Features
Principal Protection (0% Floor)
0% minimum returnYour account value never declines due to index performance. Negative market years result in 0% return, not losses.
Index-Based Growth
4 indices availableEarn interest based on performance of S&P 500, MSCI EAFE, Dow Jones Real Estate, or Bloomberg Commodity Index using point-to-point crediting.
Cap Rates & Participation Rates
Varies by term and indexCap rates limit maximum returns; participation rates let you share a percentage of index gains. Both protect the issuer's ability to guarantee your floor.
Flexible Terms
1, 3, or 5 yearsChoose 1, 3, or 5-year crediting periods for index strategies. Fixed rate strategy renews annually. Reallocate at each renewal.
Fixed Rate Strategy
Rate set at purchaseGuaranteed fixed interest rate credited daily for one year, renewable annually. Provides stable growth alternative to index strategies.
Tax Deferral
Tax-deferred growthNo taxes owed on credited interest until withdrawal. Money compounds faster than taxable investments.
Free Withdrawals
10% annual limitAfter the first contract year, withdraw up to 10% of account value annually without surrender charges or fees.
Death Benefit
Built-in protectionBeneficiaries receive greater of account value or Minimum Guaranteed Surrender Value, plus proportional interest if index gained during term.
No Annual Fees
$0 annual costNo ongoing administrative or contract fees. Only potential costs are surrender charges for withdrawals exceeding free amount during charge period.
Highlights
Principal protection with 0% floor—your money never loses value due to market declines
Growth opportunity tied to stock market indices without direct market risk
Tax-deferred growth lets your earnings compound faster than taxable accounts
Flexible allocation across multiple indices, terms (1/3/5 years), and fixed rate options
No annual fees—only potential surrender charges if you withdraw during the charge period
Surrender Schedule
Yr 1
9%
Yr 2
9%
Yr 3
8%
Yr 4
7%
Yr 5
6%
Yr 6
5%
Yr 7
4%
After
0%
Medically related surrenders, RMD waiver, Terminal illness waiver
Best For
Individuals who want to protect a portion of their savings from market loss while still having the opportunity for growth, particularly those concerned about market downturns and willing to commit funds for the long term.
Consider Alternatives If
People who need frequent access to their money without penalties, or those seeking full stock market upside exposure without caps or participation limits.
Carrier Ratings
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