Prudential Financial

Financial Ratings

A.M. Best A+Stable

Fitch AA-Stable

About Prudential Financial

Prudential Financial offers 7 annuity products tracked on our platform. Combines guaranteed principal protection with index-linked growth potential in a single product with no annual fees, flexible allocation across diverse indices, and tax-deferred compounding—eliminating the traditional choice between safety and growth.

Product Lineup

PruSecure

Fixed Indexed Annuity

Protection + Growth in One Product

Principal Protection (0% Floor)0% minimum return

Index-Based Growth4 indices available

Cap Rates & Participation RatesVaries by term and index

Flexible Terms1, 3, or 5 years

Best for: Individuals who want to protect a portion of their savings from market loss whil...

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PruSecure Advisor

Fixed Indexed Annuity

Protection + Growth. Principal guaranteed. Index upside potential.

Principal Protection (Floor)0% floor (100% protected)

Index-Based Strategy OptionsUp to 70% participation rate or 35% cap rate (varies by term)

Fixed-Rate StrategyDeclared at purchase; rates may vary at renewal

Tax-Deferred GrowthCan result in $14,814+ more growth on $100K over 20 years vs. taxable account

Best for: Investors age 50+ who are near or in retirement and want to protect accumulated ...

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Prudential Fixed Annuity

Multi-Year Guaranteed

Guaranteed Lifetime Income + Tax-Deferred Growth

Daily Advantage Income BenefitIncome growth rate assigned at issue; withdrawal percentages based on age

7-Year Guaranteed Interest RateRate assigned on issue date; credited daily

Minimum Guaranteed Surrender Value87.5% of purchase payments + 1.00% minimum annual interest

Flexible Withdrawals10% free withdrawal in year 1; 10% of prior anniversary value in years 2-7

Best for: Investors who are retired or nearing retirement and want guaranteed lifetime inc...

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Prudential WealthGuard

Annuity

Guaranteed growth on your terms—3, 5, or 7-year fixed rates

Initial Guaranteed RateRates vary; minimum guaranteed at 0.25%

Guaranteed Rate Period Options3-year, 5-year, or 7-year terms available

Free Annual Withdrawal10% per contract year, penalty-free

Tax-Deferred GrowthDaily compounding, taxes deferred

Best for: Retirees and near-retirees seeking predictable, guaranteed growth without market...

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Retail - BD 2025

Annuity

Convert savings to guaranteed lifetime income

Payout Options5 main options with joint life variants available

Guaranteed PaymentsLocked in at contract issue

Payment Increase AdjustmentOptional feature available

Partial CommutationUp to 2 commutations allowed

Best for: Individuals and couples seeking guaranteed lifetime income in retirement who can...

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Surepath

Fixed Indexed Annuity

Index-linked growth with downside protection

Index-Based Crediting7 indices available

Cap Rates & Participation RatesVaries by index and term: cap rates 7.5%-14%, participation rates 25%-230%

Downside ProtectionFloor of 0% loss

Flexible TermsMultiple term options

Best for: Retirees and pre-retirees seeking to grow savings with stock market upside poten...

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Surepath Income

Fixed Indexed Annuity

Guaranteed Income + Index Growth Protection

SurePath Income Benefit Rider1.00% annual fee (maximum 2.50%)

Index Strategy OptionsMultiple 1-year, 2-year, and 3-year term options

Minimum Guarantees2% cap / 10% participation (during surrender)

Free Withdrawals10% annual allowance

Best for: Clients aged 45-85 with at least $25,000 to invest who prioritize guaranteed lif...

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Financial Ratings

Live from CANNEX

Rating Agency

A.M. Best

Rating

A+

Description

Superior

Effective

March 6, 2014

Rating Agency

Fitch

Rating

AA-

Description

Very strong

Effective

March 19, 2018

Rating Agency

Standard & Poor's

Rating

AA-

Description

Very strong

Effective

March 6, 2014

Rating Analysis

Prudential Financial, Inc. is one of the largest insurance companies in the United States, with over $1.7 trillion in assets under management. Prudential holds an A+ (Superior) rating from A.M. Best and AA- ratings from both S&P and Fitch, reflecting exceptional financial strength and a long track record in annuity and retirement products.