PruSecure Advisor
Prudential Financial
35%
Best Cap
10%
Free W/D
50
States
PruSecure is a fixed indexed annuity that guarantees your principal against market losses while crediting interest based on how well market indices perform. It's designed for people who want safety and growth opportunity without having to choose between them.
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 | 35% | 100% | -- |
| Bloomberg Commodity | Annual | 12.3% | 100% | -- |
| Dow Jones U.S. Real Estate | 3Y | 30% | 100% | -- |
| Dow Jones U.S. Real Estate | Annual | 11.55% | 100% | -- |
| MSCI EAFE Index | 3Y | 30% | 100% | -- |
| MSCI EAFE Index | 5Y | 65% | 100% | -- |
| MSCI EAFE Index | Annual | 11.55% | 100% | -- |
| S&P 500 Index | 3Y | 30% | 100% | -- |
| S&P 500 Index | 5Y | 65% | 100% | -- |
| S&P 500 Index | Annual | 11.05% | 100% | -- |
| Fixed Account | Daily | -- | -- | 4% |
Key Features
Principal Protection
0% floorYour account value never goes negative due to index performance; floor is 0%
Index-Based Growth
Point-to-point creditingEarn interest based on how well you choose your indices perform over 1, 3, or 5-year terms
Four Index Options
Multiple diversification choicesS&P 500, MSCI EAFE (international), Dow Jones Real Estate, Bloomberg Commodity Index
Fixed Rate Alternative
1-year fixed rate optionGuaranteed annual interest rate if you prefer certainty over index exposure
Tax Deferral
Accelerated tax-deferred growthNo taxes on credited interest until you withdraw—your money compounds faster
Free Annual Withdrawals
10% free withdrawalAfter first year, withdraw up to 10% of account value annually without penalties
Cap Rate or Participation Rate
Varies by strategy and termUpper limits on your potential gains; cap rate is maximum interest credited, participation rate is your percentage of index gains
Death Benefit
Built-in legacy protectionBeneficiaries receive the greater of account value or minimum guaranteed surrender value
Highlights
Protects your principal from market losses while still offering growth potential based on market index performance
Choose from four diverse market indices (S&P 500, MSCI EAFE, Real Estate, Commodities) or a fixed rate strategy
Flexible allocation options with 1, 3, or 5-year terms that you can adjust at renewal
Tax-deferred growth means your money compounds faster than in taxable accounts
Surrender Schedule
Yr 1
2%
Yr 2
2%
Yr 3
2%
Yr 4
2%
Yr 5
2%
Yr 6
2%
Yr 7
2%
After
0%
Medically related surrenders, RMD waiver, Terminal illness waiver
Best For
People who want to protect savings from market losses while still having the opportunity to benefit from market gains, particularly those nearing or in retirement who value both security and growth.
Consider Alternatives If
Investors who need frequent access to their money or who can tolerate significant market risk in exchange for unlimited upside potential should consider other investments.
Carrier Ratings
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