Prudential WealthGuard
Prudential Financial
4.8%
Best Rate
10%
Free W/D
50
States
WealthGuard is a fixed-rate deferred annuity that guarantees a predetermined interest rate for your chosen term (3, 5, or 7 years), providing predictable tax-deferred growth without market risk. It's designed for retirees and near-retirees seeking stable, protected retirement income.
Free Withdrawal
10%/yr
Available In
50 states
Min Premium
$25,000
Surrender
7 years
Guaranteed Rates by Term
| Term | Guaranteed Rate |
|---|---|
| 3-Year | 4.1% |
| 5-Year | 4.7% |
| 7-Year | 4.8% |
Key Features
Initial Guaranteed Rate
Rates vary; minimum guaranteed at 0.25%A fixed interest rate that is compounded daily and guaranteed not to change during your chosen term period
Guaranteed Rate Period Options
3-year, 5-year, or 7-year terms availableYou choose how long your rate is locked in: 3, 5, or 7 years
Free Annual Withdrawal
10% per contract year, penalty-freeAccess a portion of your account value each year without penalties: 10% in year one, then 10% of the previous anniversary value
Tax-Deferred Growth
Daily compounding, taxes deferredInterest compounds daily and you don't pay taxes on gains until withdrawal
No Fees
Zero annual feesNo annual, administrative, or M&E (mortality & expense) fees
Market Protection
100% protected from market lossYou are not invested in markets and cannot lose principal to market downturns
Death Benefit
Greater of account value or MGSVYour beneficiaries receive the greater of your account value or the minimum guaranteed surrender value
RMD Penalty Waiver
No penalties on RMDsRequired minimum distributions calculated by Prudential are exempt from surrender charges and market value adjustments
Minimum Guaranteed Surrender Value
87.5% of net contributions + interestA guaranteed floor value equal to 87.5% of net purchase payments plus nonforfeiture interest
Highlights
Fixed guaranteed growth rate for 3, 5, or 7 years with no market risk exposure
Access to 10% of your account value annually without surrender charges
Tax-deferred growth compounds daily until you withdraw
No annual or administrative fees and protection from market losses
Surrender Schedule
Yr 1
7%
Yr 2
7%
Yr 3
7%
Yr 4
6%
Yr 5
5%
Yr 6
4%
Yr 7
3%
After
0%
Nursing home waiver, Terminal illness waiver
Best For
Retirees and near-retirees seeking predictable, guaranteed growth without market risk, with a time horizon matching the chosen term length and no immediate need for large withdrawals.
Consider Alternatives If
Investors needing frequent access to their full account value, those seeking market-linked growth potential, or those with a short time horizon who may need to access funds before the term ends.
Carrier Ratings
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