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Fixed Indexed Annuity

PrimePath Pro 12

North American

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9%

Best S&P 500 Annual Cap

7%

Free W/D

28

Available jurisdictions

Product data status: August 4, 2026

Rates, state availability, rider terms, and contract language must be confirmed with a licensed financial advisor or insurance professional before purchase. Guarantees are backed by the issuing insurer.

Model this product

See what PrimePath Pro 12 would do for you

Set your numbers and switch between growth, income, and liquidity. Index losses credit 0% — the floor — so a down market never reduces your value.

Product analyzer
Illustrative — live CANNEX rates as of August 4, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$306,405
Est. value at age 80 (PrimePath Pro 12)
9%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 9% Cap (Annual)
✦
How crediting works: the cap limits positive index returns; a down year credits 0%, never a loss. A cap strategy tracks the index within its terms. What is a cap vs participation? →
Assumptions: illustrative — applies PrimePath Pro 12's published cap rate (9% on S&P 500 Index) to a standard benchmark hypothetical index path (~5.4%/yr average, including down years) with a 0% floor over 20 years. Not a projection, quote, or guarantee. Live CANNEX rates as of August 4, 2026.

Free Comparison Report

Get a PrimePath Pro 12 rate report

See how PrimePath Pro 12 compares for your age, state, premium, and income goals alongside other North American fixed indexed annuity options.

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rate data

Run numbers for PrimePath Pro 12

rates, riders, crediting strategies, state availability, and contract facts stay scoped to this North American product.

Live product data

Rates as of August 4, 2026, from AdvisorWorld and CANNEX.

3.5% lifetime payout + 1% roll-up

A 12-year-surrender fixed indexed annuity from an A+ rated North American — the long-surrender version of the PrimePath Pro family — with a participation-led underlying menu on Morgan Stanley and S&P proprietary indexes alongside a conservative S&P 500 annual cap, narrower state availability, a published annual free-withdrawal allowance, and a nursing-home surrender waiver; published lifetime-income terms vary by state and are currently available for California and Florida but not Texas.

AdvisorWorld + CANNEX data

Best fit

Buyers in an available state who can commit principal for a full 12-year deferral, want to compare the PrimePath Pro 12 contract facts, and are willing to confirm state-specific lifetime-income terms with current published data or a carrier illustration before treating the product as a comparable income contract.

AM Best

A+ Superior

Surrender period

12 years

Free withdrawal

7%/yr

Availability

28 jurisdictions (restricted footprint)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

monthly sum cap

2.6% cap rate

Monthly sum

1-year term · 12-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

9% cap rate

Annual cap

1-year term · 12-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

40% participation rate

Participation

1-year term · 12-year surrender · Does not vary by premium

Fixed Account

Fixed Account

3.75% declared rate

Fixed account

1-year term · 12-year surrender · Does not vary by premium

+ 14 additional crediting options (Morgan Stanley, S&P Maestro, S&P MARC...)

Lifetime Income Riders

Income rider

Payment Amount (LPA) Rider - Income

Lifetime payout rate3.5% lifetime payout
Guaranteed roll-up1%/yr
Interest multiplier2x interest multiplier

Income rider

Payment Amount (LPA) Rider - Increasing Income

Lifetime payout rate2.5% lifetime payout
Guaranteed roll-up1%/yr
Interest multiplier2x interest multiplier

Product analyst notes

How to think about this contract

Why it can stand out

  • Published terms vary by state: California and Florida currently include Lifetime Payment Amount income options, while the age-60, year-10 Texas comparison includes contract strategy, surrender, ratings, availability, and liquidity details without lifetime-income terms.
  • Underlying strategy menu is participation-led, with strategies on Morgan Stanley Dynamic Global, Morgan Stanley Dynamic Contribution, S&P MARC, and S&P Maestro proprietary indexes — both fee-bearing 'Strategy Fee Included' and no-fee variants are offered on the S&P excess-return indexes, giving buyers an explicit fee/no-fee choice.
  • 12-year surrender — a longer rate-lock window than the 10-year sibling, which the carrier compensates with stronger underlying participation rates on the proprietary indexes.
  • Published annual free-withdrawal allowance with a published nursing-home surrender-charge waiver — penalty-free liquidity and a named life-event exit are both visible inside the long surrender window.
  • Income terms can vary by state and sibling contract; confirm the published terms for the buyer's state instead of carrying over assumptions from the 10-year version.

What to confirm

  • The S&P 500 annual point-to-point cap on this contract is conservative — the contract's growth potential leans on the proprietary-index participation strategies, not on the S&P 500 cap. Buyers who want a strong S&P 500 cap as their primary growth strategy should compare against the 10-year PrimePath Pro sibling.
  • The S&P 500 monthly-sum cap is NOT directly comparable to an annual cap (a monthly-sum cap caps monthly gains but does not cap monthly losses) — do not read it as if it were an annual S&P 500 cap.
  • Several of the participation strategies carry an explicit 'Strategy Fee Included' rate charged against the credit, which is a fee-bearing 'enhanced' rate. Per the rollout's headline-discipline rule, fee-bearing rates are NOT the contract's headline — treat them as a separate choice, not as the comparable rate.
  • 12-year surrender is long for an FIA market and the contract is available in fewer states than the 10-year sibling. Confirm your state is on the contract and that you can commit principal for 12 years before electing this variant over the 10-year sibling.
  • Do not quote a numeric lifetime-income amount, rider design, charge, growth formula, or equivalent value for a state and scenario where those structured terms are not published.

Not ideal for

Buyers who need exact lifetime-income numbers, rider design, charges, or growth methodology directly from this page; buyers who want a stronger S&P 500 annual cap should compare against the 10-year PrimePath Pro sibling.

Free Comparison Report

Get a PrimePath Pro 12 rate report

See how PrimePath Pro 12 compares for your age, state, premium, and income goals alongside other North American fixed indexed annuity options.

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All crediting strategies

View rate listings (18 strategies)

These are the current crediting strategies available for this product. Use the filters to narrow by index, term, premium band, or rate type.

Par: 205% · 1-yr

Morgan Stanley Dynamic Global Index

Strategy Fee Included · participation

12-yr surrenderDoes not vary by premium

Par: 190% · 1-yr

S&P MARC 5% Excess Return

Strategy Fee Included · participation

12-yr surrenderDoes not vary by premium

Par: 170% · 1-yr

Morgan Stanley Dynamic Global Index

participation

12-yr surrenderDoes not vary by premium

Par: 170% · 1-yr

S&P Maestro 5 Index Excess Return

Strategy Fee Included · participation

12-yr surrenderDoes not vary by premium

Par: 155% · 1-yr

Morgan Stanley Dynamic Contribution Index

participation

12-yr surrenderDoes not vary by premium

Par: 100% + Spread: 0% · 1-yr

S&P Maestro 5 Index Excess Return

participation

12-yr surrenderDoes not vary by premium

Par: 100% + Spread: 0% · 1-yr

S&P MARC 5% Excess Return

participation

12-yr surrenderDoes not vary by premium

Par: 100% + Spread: 1.75% · 1-yr

S&P 500 Low Volatility Daily Risk Control 5% USD Total Return Index

participation

12-yr surrenderDoes not vary by premium

Par: 40% · 1-yr

S&P 500 Index

participation

12-yr surrenderDoes not vary by premium

Cap: 9% · 1-yr

S&P 500 Index

cap

12-yr surrenderDoes not vary by premium

Fixed: 3.75% · 1-yr

Fixed Account

fixed

12-yr surrenderDoes not vary by premium

Cap: 2.6% · 1-yr

S&P 500 Index

monthly_sum_cap

12-yr surrenderDoes not vary by premium

Par: 320% + Spread: 4% · 2-yr

Morgan Stanley Dynamic Contribution Index

participation

12-yr surrenderDoes not vary by premium

Par: 280% · 2-yr

Morgan Stanley Dynamic Global Index

Strategy Fee Included · participation

12-yr surrenderDoes not vary by premium

Par: 255% · 2-yr

S&P MARC 5% Excess Return

Strategy Fee Included · participation

12-yr surrenderDoes not vary by premium

Par: 240% · 2-yr

S&P Maestro 5 Index Excess Return

Strategy Fee Included · participation

12-yr surrenderDoes not vary by premium

Par: 230% · 2-yr

Morgan Stanley Dynamic Global Index

participation

12-yr surrenderDoes not vary by premium

Par: 210% · 2-yr

Morgan Stanley Dynamic Contribution Index

participation

12-yr surrenderDoes not vary by premium

Income riders

Income rider

Lifetime Payment Amount (LPA) Rider - Level Income

Lifetime withdrawal rate3.5%
Annual rider feeNot shown
Guaranteed roll-up1%/yr
Income multiplier2× multiplier

GMWB

Income rider

Lifetime Payment Amount (LPA) Rider - Increasing Income

Lifetime withdrawal rate2.5%
Annual rider feeNot shown
Guaranteed roll-up1%/yr
Income multiplier2× multiplier

GMWB

Common questions about PrimePath Pro 12

● Can I lose money in PrimePath Pro 12?

A negative index return by itself does not reduce the contract's account value: PrimePath Pro 12 credits 0% — the floor — for that indexed period. The account value can still decrease from applicable rider fees, Performance Rate Rider or other strategy charges, administrative charges, withdrawals, surrender charges, or other contract-specific deductions. In years with no credited interest, those deductions can reduce the account value. Up to 7% of your value can be withdrawn each year without a charge; withdrawals above the penalty-free amount during the surrender period can incur a surrender charge.

● Is the Lifetime Payment Amount (LPA) Rider - Level Income income rider worth it?

It depends on whether you will use the guaranteed income. If you are accumulating only, you can skip it. If you want guaranteed lifetime income later, the 1% roll-up and 3.5% withdrawal rate can make it worthwhile — model it in the Income tab of the analyzer above.

● When can I access my money without a surrender charge?

Up to 7% of your account value each year is penalty-free. The scheduled surrender charges run 12 years; after that the surrender-charge schedule ends. Bonus vesting, market value adjustments when applicable, and other contract rules can still affect the amount available. The Liquidity tab of the analyzer shows the year-by-year surrender charge.

● How do PrimePath Pro 12's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another available PrimePath Pro 12 strategy on the same premium, age, years, and hypothetical index path. The control labels the strategy type, rate, index, and context so caps, participation rates, triggers, spreads, and fixed-account choices are not treated as interchangeable.

Key Features

Free withdrawal

7%/yr

Annual amount that may be available without surrender charges, subject to contract terms.

Surrender waivers

1

Nursing home waiver

Death benefit

Accumulation Value DB

Beneficiary value depends on contract terms, withdrawals, and rider elections.

Cap-rate floor

0.10%

Minimum guaranteed cap for cap-based indexed strategies.

Fixed account guarantee

0.10%

Guaranteed minimum interest rate for the fixed account.

Participation-rate floor

5.00%

Minimum guaranteed participation rate for participation-rate indexed strategies.

Maximum spread

30.00%

Maximum spread: 30.00%

Annuitization options

Single and joint

Contract conversion options should be confirmed before purchase.

Fund types

Non-qualified, Qualified

Availability can vary by state and product terms.

Surrender schedule

Yr 1

14%

Yr 2

14%

Yr 3

12%

Yr 4

12%

Yr 5

11%

Yr 6

11%

Yr 7

10%

Yr 8

9%

Yr 9

8%

Yr 10

7%

Yr 11

6%

Yr 12

4%

After

0%

Nursing home waiver, Surrender waivers

Documents

product guide

32796Z - PrimePath Pro 12 brochure.pdf

Confidence: highReviewed Apr 1, 2026

Direct link not published — request the document from the carrier.

Carrier Ratings

AM BestA+
S&PA+
S&PA+

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

PrimePath Pro 12 currently shows 18 indexed or fixed crediting options, including S&P 500 Index and Fixed Account, with 14 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, renewal terms, and fee-bearing rider variants are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 2.6% monthly cap
  • S&P 500 Index: 9% annual cap
  • S&P 500 Index: 40% annual participation rate
  • Fixed Account: 3.75% fixed account rate

Income rider language

What to look for before treating the rider as income

Lifetime Payment Amount (LPA) Rider - Level Income is the main income rider listed for this product. Rider terms can affect the tradeoff between future lifetime withdrawals, contract value, beneficiary value, and cost, so the exact state version and rider election should be confirmed before comparing it to annuitization or income-only contracts.

  • 3.5% withdrawal rate

Liquidity terms

Why access rules deserve as much attention as rates

A fixed indexed annuity can preserve more control than an income-only contract, but access is still governed by the surrender schedule, free-withdrawal terms, and waiver language. Those details are where many product comparisons become more meaningful than a simple rate list.

  • 7%/yr free withdrawal
  • 12 surrender years
  • Nursing home waiver

Verification note

Use carrier materials as term evidence, then confirm the current version

Carrier materials such as 32796Z - PrimePath Pro 12 brochure.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 8, 2026. For the current brochure, rate sheet, or specimen contract, confirm the state-specific version with the carrier or a licensed financial professional.

  • Rates and rider terms can vary by state and issue age
  • Carrier guarantees depend on claims-paying ability
  • Current contract forms should be confirmed before purchase

Free Comparison Report

Get a PrimePath Pro 12 rate report

See how PrimePath Pro 12 compares for your age, state, premium, and income goals alongside other North American fixed indexed annuity options.

Get my rate report

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