Prudential
One of the largest and oldest names in U.S. insurance and retirement services - a publicly traded company (NYSE: PRU) with more than 150 years of operating history, issuing annuities through its Prudential and Pruco Life subsidiaries.
Financial strength
A+
AM Best
AA-
S&P Global
Aa3
Moody's
AA-
Fitch
A+ / AA- rated
The Prudential Insurance Company of America carries A+ from AM Best, AA- from S&P and Fitch, and Aa3 from Moody's.
Public company
Prudential Financial, Inc. trades on the New York Stock Exchange under the ticker PRU.
Newark, NJ
Headquartered in Newark, New Jersey.
150+ years
Traces its roots back more than 150 years.
Large-scale insurer
Among the largest U.S. insurance and retirement-services organizations by assets under management.
Run live numbers on Prudential products
Choose a product type, then select a current product. The analyzer shows the values returned for your premium, age, state, and timing, and leaves out fields that are not published for that selection.
Income FIAs
Selected product: Elevate Income (3-year)
An income-focused fixed indexed annuity group for comparing rider-driven lifetime-income scenarios.
Other current products
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Explore Prudential products
Prudential’s lineup, grouped by what each product group is built to do. Current rates are pulled from the daily carrier rate service.
Fixed Index Annuity - Growth
Index-linked annuities built for protected growth, with caps, participation rates, and fixed-account options surfaced from live product data.
- Growth-oriented FIAs grouped by accumulation purpose
- Individual product pages carry current rates, terms, riders, and disclosures
Best for: Buyers comparing principal-protected growth potential before opening a product page for the full live strategy set.
Elevate Accumulator (3-year)
S&P 500 annual cap
9.65%
PruSecure (1-year)
An accumulation-focused fixed indexed annuity from an A.M. Best A+ rated Prudential life subsidiary, with no optional GLWB rider, a recognizable S&P 500 annual cap option alongside multi-year and diversified index strategies, and a published surrender ladder with three waivers visible on the page.
S&P 500 annual cap rate
9.55%
PruSecure (5-year)
An accumulation-focused fixed indexed annuity from an A.M. Best A+ rated Prudential life subsidiary, with no optional GLWB rider, a recognizable S&P 500 annual cap option alongside multi-year and diversified index strategies, and a published surrender ladder with three waivers visible on the page.
S&P 500 annual cap rate
9.55%
PruSecure Advisor (1-year)
The advisory/fee-based share-class filing of PruSecure — an accumulation-focused fixed indexed annuity from an A.M. Best A+ rated Prudential life subsidiary, with no optional GLWB rider, a flat low-rate surrender ladder built for fee-only accounts, and a recognizable S&P 500 cap alongside multi-year and diversified index strategies.
S&P 500 annual cap rate
11.05%
PruSecure Advisor (5-year)
The advisory/fee-based share-class filing of PruSecure — an accumulation-focused fixed indexed annuity from an A.M. Best A+ rated Prudential life subsidiary, with no optional GLWB rider, a flat low-rate surrender ladder built for fee-only accounts, and a recognizable S&P 500 cap alongside multi-year and diversified index strategies.
S&P 500 annual cap rate
11.05%
SurePath
An accumulation-focused fixed indexed annuity from an A.M. Best A+ rated Prudential life subsidiary, with no optional GLWB rider, a recognizable S&P 500 annual cap option, and an unusually broad bench of proprietary multi-asset participation-rate indexes across one-, two-, and three-year crediting horizons.
S&P 500 annual cap rate
Index cap rate varies by state and strategy — view product for live rates.
Rates are pulled live from CANNEX via the AdvisorWorld data feed · 2026-06-27. Caps, payout rates, and guaranteed rates vary by state, premium band, and rider election — confirm current terms on each product page.
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Get Prudential's current rate report
Compare Prudential's live rates, carrier ratings, and product tradeoffs against alternatives in one personalized report.
Find your fit
Start with the job for the money, then open the live Prudential product page that matches that goal.
How lifetime income builds
See how a guaranteed-income benefit can turn a premium into lifetime income using this carrier’s current income terms.
Lifetime withdrawal rate
5.55%
10-yr illustration
Income-base roll-up
8%
simple, up to 10 yrs
Annual fee
1.2%
benefit charge
Premium
$100,000
Income base · yr 10
$180,000
Annual lifetime income
$9,990
Simplified illustration using this income option’s current simple income-base roll-up over 10 years, then its 5.55% lifetime withdrawal rate. Index credits, interest bonuses, and step-ups can change the result; exact figures require a carrier illustration.
Company overview
What Prudential is
Prudential Financial is one of the largest and oldest names in U.S. insurance and retirement services, with more than 150 years of operating history. Its U.S. insurance and annuity products are issued primarily through The Prudential Insurance Company of America, Pruco Life Insurance Company, and Pruco Life Insurance Company of New Jersey.
June 2026 packet · Prudential research packet
Prudential's long operating history and global scale make it one of the most established names in the insurance and retirement industry, distinguishing it from smaller annuity-focused carriers.
June 2026 packet · Prudential research packet
On ARHQ, Prudential product cards and the analyzer are intentionally live-data driven: the profile supplies story and context, while product availability, rates, riders, caps, and guaranteed terms come from CANNEX-backed feeds.
At render · ARHQ carrier-page architecture; CANNEX via AdvisorWorld
Scale, labeled
Founded
150+ years
More than 150 years of operating history.
June 2026 packet · Prudential research packet
Headquarters
Newark, NJ
Headquartered in Newark, New Jersey.
June 2026 packet · Prudential research packet
Public company
NYSE: PRU
Prudential Financial, Inc. trades on the New York Stock Exchange.
June 2026 packet · Prudential research packet
Assets under management
~$1.6T
About $1.6 trillion in assets under management reported for the first quarter of 2026.
As of 2026-03-31 · Prudential first-quarter 2026 financial reporting
History highlights
Prudential traces its roots back more than 150 years and is headquartered in Newark, New Jersey.
Founded more than 150 years ago · Prudential research packet
Over its history, Prudential expanded from a life-insurance company into a diversified global insurance and retirement-services organization.
June 2026 packet · Prudential research packet
Today Prudential is one of the most established names in the U.S. insurance and retirement industry.
June 2026 packet · Prudential research packet
A large, publicly traded insurance and retirement organization
Prudential Financial, Inc. is a publicly traded company listed on the New York Stock Exchange under the ticker symbol PRU.
June 2026 packet · Prudential research packet
U.S. insurance and annuity products are issued primarily through The Prudential Insurance Company of America, Pruco Life Insurance Company, and Pruco Life Insurance Company of New Jersey.
June 2026 packet · Prudential research packet
Prudential's size and diversification help distinguish it from smaller annuity-focused carriers in the retirement marketplace.
June 2026 packet · Prudential research packet
Financial strength
AM Best
CurrentA+
Superior financial-strength rating on The Prudential Insurance Company of America.
June 2026 packet
Prudential research packet · current rating check
S&P Global
AA-
Very strong financial-strength rating.
June 2026 packet
Prudential research packet
Moody's
Aa3
High-quality financial-strength rating.
June 2026 packet
Prudential research packet
Fitch
AA-
Very strong financial-strength rating.
June 2026 packet
Prudential research packet
What makes Prudential different
Established scale and brand
Prudential combines more than 150 years of operating history with one of the largest balance sheets in U.S. insurance, a profile that prioritizes carrier stability and breadth over headline rate-leadership.
June 2026 packet · Prudential research packet
Multiple issuing subsidiaries
Annuities are issued through The Prudential Insurance Company of America, Pruco Life, and Pruco Life of New Jersey, with the New Jersey entity covering products approved there.
June 2026 packet · Prudential research packet
Accumulation, income, and fixed lineup
The current lineup spans accumulation-first FIAs (PruSecure, SurePath), an income-rider FIA (SurePath Income), and declared-rate MYGAs (Prudential Fixed Annuity, WealthGuard).
At render · ARHQ product catalog; CANNEX via AdvisorWorld
Publicly traded
As an NYSE-listed company (PRU), Prudential publishes regular financial disclosures, adding transparency relative to many privately held annuity carriers.
June 2026 packet · Prudential research packet
About Prudential Financial
Prudential Financial, headquartered in Newark, New Jersey, is one of the largest and oldest U.S. insurance and retirement-services organizations, with more than 150 years of operating history and a publicly traded parent (NYSE: PRU).
June 2026 packet · Prudential research packet
Prudential may suit buyers who weight carrier scale and brand stability highly and want a mix of accumulation FIAs, an income-rider FIA, and MYGA choices. It may be less compelling for shoppers whose only goal is the highest posted MYGA rate, since large highly rated carriers are not always rate leaders in every term.
Checked 2026-06-20 · ARHQ carrier coverage
On ARHQ, Prudential product pages stay product-specific: the carrier hub frames the lineup and routes each live product to its own page for current rates, riders, state availability, and disclosures.
At render · ARHQ carrier-page architecture; CANNEX via AdvisorWorld
Free Comparison Report
Get Prudential's current rate report
Compare Prudential's live rates, carrier ratings, and product tradeoffs against alternatives in one personalized report.
Sources
- Prudential website — 2026-06-20
- Prudential research packet - overview, ownership, history, ratings, scale, and product architecture — June 2026 packet
- Live product catalog, rates, ratings confirmation, riders, and strategy metrics: CANNEX via AdvisorWorld public API — At render