Surepath
Prudential Financial
14%
Best Cap
10%
Free W/D
50
States
A fixed indexed annuity that credits interest based on stock market index performance while protecting you from market losses. Designed for individuals seeking growth potential with downside protection during retirement.
Free Withdrawal
10%/yr
Available In
50 states
Min Premium
$25,000
Surrender
10 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| Dimensional US Innovation Index | 2-Year | -- | 155% | -- |
| Dimensional US Innovation Index | 3Y | -- | 170% | -- |
| Dimensional US Innovation Index | Annual | 14% | 100% | -- |
| Franklin Templeton Spotlight Index | 2-Year | -- | 150% | -- |
| Franklin Templeton Spotlight Index | 3Y | -- | 175% | -- |
| Franklin Templeton Spotlight Index | Annual | 14% | 100% | -- |
| Goldman Sachs Voyager Index | 2-Year | -- | 195% | -- |
| Goldman Sachs Voyager Index | 3Y | -- | 230% | -- |
| Goldman Sachs Voyager Index | Annual | -- | 180% | -- |
| J.P. Morgan AQUA Index | 2-Year | -- | 145% | -- |
| J.P. Morgan AQUA Index | 3Y | -- | 165% | -- |
| J.P. Morgan AQUA Index | Annual | 11% | 100% | -- |
| MSCI EAFE Index | 3Y | 28% | 100% | -- |
| MSCI EAFE Index | Annual | 7.75% | 100% | -- |
| PGIM Quant MAP Index | 2-Year | -- | 170% | -- |
| PGIM Quant MAP Index | 3Y | -- | 210% | -- |
| PGIM Quant MAP Index | Annual | -- | 120% | -- |
| S&P 500 Index | 3Y | 28% | 100% | -- |
| S&P 500 Index | Annual | 9% | 100% | -- |
| Fixed Account | Daily | -- | -- | 3% |
Key Features
Index-Based Crediting
7 indices availableAccount value increases based on performance of selected indices like S&P 500, but is not directly invested in the stock market
Cap Rates & Participation Rates
Varies by index and term: cap rates 7.5%-14%, participation rates 25%-230%Choose either a cap rate (ceiling on gains) or participation rate (percentage of index gains you receive)
Downside Protection
Floor of 0% lossAccount value will not decrease based on negative index performance
Flexible Terms
Multiple term optionsSelect 1-year, 2-year, or 3-year crediting terms based on your financial goals
Combination Strategy
Unlimited combinationsMix different indices and terms within one contract for customized approach
Surrender Charge Periods
Longer periods offer higher ratesTwo options available: 7-year or 10-year surrender periods with corresponding rate advantages
Fixed Rate Option
3% annuallyGuaranteed interest rate alternative for predictable, steady growth
Highlights
Grow your money based on stock market index performance without direct stock market exposure or losses
Choose from 7 different market indices with flexible 1-3 year term options
Protection from market downturns—your account won't decrease if the index performs negatively
Combine multiple indices and terms to build a customized growth strategy
Fixed rate option (3%) available for those preferring guaranteed, predictable returns
Surrender Schedule
Yr 1
9%
Yr 2
9%
Yr 3
8%
Yr 4
7%
Yr 5
6%
Yr 6
5%
Yr 7
4%
Yr 8
3%
Yr 9
2%
Yr 10
1%
After
0%
Medically related surrenders, RMD waiver, Terminal illness waiver
Best For
Retirees and pre-retirees seeking to grow savings with stock market upside potential while protecting against market downturns, particularly those uncomfortable with direct stock market investing.
Consider Alternatives If
Investors who need immediate access to funds without penalty or those seeking tax-deductible contributions should avoid this product due to surrender charges and tax implications.
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