Surepath Income
Prudential Financial
11%
Best Cap
10%
Free W/D
50
States
A fixed indexed annuity designed to create guaranteed lifetime income through an automatically-included income rider while protecting principal through index-linked crediting strategies. Ideal for clients aged 45-85 seeking retirement income security.
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 | -- | 115% | -- |
| Dimensional US Innovation Index | 3Y | -- | 140% | -- |
| Dimensional US Innovation Index | Annual | 11% | 100% | -- |
| Franklin Templeton Spotlight Index | 2-Year | -- | 115% | -- |
| Franklin Templeton Spotlight Index | 3Y | -- | 140% | -- |
| Franklin Templeton Spotlight Index | Annual | 11% | 100% | -- |
| Goldman Sachs Voyager Index | 2-Year | -- | 110% | -- |
| Goldman Sachs Voyager Index | 3Y | -- | 130% | -- |
| Goldman Sachs Voyager Index | Annual | -- | 102% | -- |
| J.P. Morgan AQUA Index | 2-Year | -- | 100% | -- |
| J.P. Morgan AQUA Index | 3Y | -- | 115% | -- |
| J.P. Morgan AQUA Index | Annual | 9% | 100% | -- |
| MSCI EAFE Index | 3Y | 14.25% | 100% | -- |
| MSCI EAFE Index | Annual | 4.25% | 100% | -- |
| PGIM Quant MAP Index | 2-Year | -- | 155% | -- |
| PGIM Quant MAP Index | 3Y | -- | 195% | -- |
| PGIM Quant MAP Index | Annual | -- | 105% | -- |
| S&P 500 Index | 3Y | 14% | 100% | -- |
| S&P 500 Index | Annual | 4% | 100% | -- |
| Fixed Account | Daily | -- | -- | 3% |
Key Features
SurePath Income Benefit Rider
1.00% annual fee (maximum 2.50%)Automatically elected living benefit that guarantees lifetime income. Can be canceled after 5 years if desired.
Index Strategy Options
Multiple 1-year, 2-year, and 3-year term optionsChoice of 7 market indices including S&P 500, MSCI EAFE, Dimensional US Innovation, Goldman Sachs Voyager, J.P. Morgan AQUA, Franklin Spotlight, and PGIM Quant MAP with point-to-point crediting.
Minimum Guarantees
2% cap / 10% participation (during surrender)During 9-year surrender period, guaranteed minimum 2% cap rate and 10% participation rate on index strategies; after surrender, 1% cap and 5% participation.
Free Withdrawals
10% annual allowanceAccess up to 10% of account value annually without surrender charges, plus unlimited Required Minimum Distributions.
Surrender Charges
9%, 8%, 7%, 6%, 5%, 3.8%, 2.8%, 1.8%, 0.8%Declining schedule over 9 years starting at 9% in year 1, reducing to 0.8% in year 9. Market Value Adjustment applies to excess withdrawals.
Issue Age Range
Ages 45-85 (must issue before age 86)Available for qualified investors within a specific age bracket with contract issuance deadline.
Highlights
Automatically includes income rider for guaranteed lifetime income starting at 1.00% fee
Multiple index options (S&P 500, MSCI EAFE, Goldman Sachs Voyager, and others) with flexible crediting terms
9-year surrender period with declining charges (9% down to 0.8%) and 10% annual free withdrawal allowance
Minimum 2% cap rate and 10% participation rate during surrender period for index-based strategies
Fixed rate option available for conservative investors seeking predictable returns
Surrender Schedule
Yr 1
10%
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
Clients aged 45-85 with at least $25,000 to invest who prioritize guaranteed lifetime income, downside protection, and tax-deferred growth with moderate market upside exposure.
Consider Alternatives If
Investors requiring liquidity before 9 years, those uncomfortable with surrender charges, or individuals seeking maximum market participation without income guarantees.
Carrier Ratings
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