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Fixed Indexed Annuity

Elevate Accumulator

Prudential Financial

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9.65%

Best S&P 500 Annual Cap

10%

Free W/D

48

Available jurisdictions

Product data status: July 15, 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 Elevate Accumulator 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 July 15, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$150,842
Est. value at age 80 (Elevate Accumulator)
9.65%
Best S&P 500 1-yr point-to-point cap
Dimensional US Innovation Index — 14% 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 Elevate Accumulator's published cap rate (14% on Dimensional US Innovation Index) to a calibrated proprietary/volatility-controlled hypothetical index path (~1.9%/yr average, including down years) with a 0% floor over 20 years. Not a projection, quote, or guarantee. Live CANNEX rates as of July 15, 2026.

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See how Elevate Accumulator compares for your age, state, premium, and income goals alongside other Prudential Financial fixed indexed annuity options.

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Live rate data

Run live numbers for Elevate Accumulator

Current rates, riders, crediting strategies, state availability, and contract facts stay scoped to this Prudential Financial product.

Live product data

Rates as of July 15, 2026, based on the latest AdvisorWorld scan of CANNEX data.

S&P 500 annual cap rate

9.65% cap on S&P 500

Prudential's accumulation-focused Elevate FIA with an S&P 500 cap and diversified participation strategies.

1-year term10-year surrenderDoes not vary by premiumAdvisorWorld + CANNEX data

Best fit

Accumulation buyers who value a strong carrier and want recognizable plus proprietary index choices.

AM Best

A+ Superior

Surrender options

7 and 10 years

Free withdrawal

10%/yr

Availability

48 jurisdictions (excl. California, New York, Oregon)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

9.25% cap rate

Annual cap

1-year term · 7-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

9.65% cap rate

Annual cap

1-year term · 10-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

6.8% trigger rate

Performance trigger

1-year term · 7-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

6.9% trigger rate

Performance trigger

1-year term · 10-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

35% participation rate

Participation

1-year term · 7-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

40% participation rate

Participation

1-year term · 10-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

25% cap rate

Cap strategy

3-year term · 7-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

28% cap rate

Cap strategy

3-year term · 10-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

45% participation rate

Participation

3-year term · 7-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

50% participation rate

Participation

3-year term · 10-year surrender · Does not vary by premium

Fixed Account

Fixed Account

4% declared rate

Fixed account

1-year term · 7-year surrender · Does not vary by premium

Fixed Account

Fixed Account

4% declared rate

Fixed account

1-year term · 10-year surrender · Does not vary by premium

+ 46 additional crediting options (MSCI EAFE, Goldman Sachs, Franklin...)

Product analyst notes

How to think about this contract

Why it can stand out

  • The strategy menu combines an S&P 500 cap with several proprietary participation indexes.
  • Annual and multi-year crediting choices provide different reset horizons within one contract.
  • The issuing carrier carries an A-plus A.M. Best rating in the live data.

What to confirm

  • Participation rates on volatility-controlled indexes are not directly comparable to the S&P 500 cap.
  • A market value adjustment can change early-surrender proceeds in addition to the surrender schedule.
  • This accumulation filing does not currently show a guaranteed lifetime-income rider.

Not ideal for

Buyers who need guaranteed lifetime withdrawals, broad early liquidity, or MYGA-style fixed returns.

Free Comparison Report

Get an Elevate Accumulator rate report

See how Elevate Accumulator compares for your age, state, premium, and income goals alongside other Prudential Financial fixed indexed annuity options.

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All crediting strategies

View rate listings (57 rows)

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

Par: 165% · 1-yr

Goldman Sachs Voyager Index

participation

7-yr surrenderDoes not vary by premium

Par: 120% · 1-yr

PGIM Quant MAP Index

participation

7-yr surrenderDoes not vary by premium

Par: 95% · 1-yr

Franklin Templeton Spotlight Index

participation

7-yr surrenderDoes not vary by premium

Par: 95% · 1-yr

Dimensional US Innovation Index

participation

7-yr surrenderDoes not vary by premium

Par: 90% · 1-yr

J.P. Morgan AQUA Index

participation

7-yr surrenderDoes not vary by premium

Par: 40% · 1-yr

MSCI EAFE Index

participation

7-yr surrenderDoes not vary by premium

Par: 35% · 1-yr

S&P 500 Index

participation

7-yr surrenderDoes not vary by premium

Cap: 13.5% · 1-yr

Franklin Templeton Spotlight Index

cap

7-yr surrenderDoes not vary by premium

Cap: 13.5% · 1-yr

Dimensional US Innovation Index

cap

7-yr surrenderDoes not vary by premium

Cap: 10.5% · 1-yr

J.P. Morgan AQUA Index

cap

7-yr surrenderDoes not vary by premium

Cap: 9.25% · 1-yr

S&P 500 Index

cap

7-yr surrenderDoes not vary by premium

Cap: 7.5% · 1-yr

MSCI EAFE Index

cap

7-yr surrenderDoes not vary by premium

Trigger: 6.9% · 1-yr

MSCI EAFE Index

trigger

7-yr surrenderDoes not vary by premium

Trigger: 6.8% · 1-yr

S&P 500 Index

trigger

7-yr surrenderDoes not vary by premium

Fixed: 4% · 1-yr

Fixed Account

fixed

7-yr surrenderDoes not vary by premium

Par: 195% · 2-yr

Goldman Sachs Voyager Index

participation

7-yr surrenderDoes not vary by premium

Par: 170% · 2-yr

PGIM Quant MAP Index

participation

7-yr surrenderDoes not vary by premium

Par: 150% · 2-yr

Franklin Templeton Spotlight Index

participation

7-yr surrenderDoes not vary by premium

Par: 150% · 2-yr

Dimensional US Innovation Index

participation

7-yr surrenderDoes not vary by premium

Par: 145% · 2-yr

J.P. Morgan AQUA Index

participation

7-yr surrenderDoes not vary by premium

Par: 225% · 3-yr

Goldman Sachs Voyager Index

participation

7-yr surrenderDoes not vary by premium

Par: 210% · 3-yr

PGIM Quant MAP Index

participation

7-yr surrenderDoes not vary by premium

Par: 170% · 3-yr

Franklin Templeton Spotlight Index

participation

7-yr surrenderDoes not vary by premium

Par: 170% · 3-yr

Dimensional US Innovation Index

participation

7-yr surrenderDoes not vary by premium

Par: 160% · 3-yr

J.P. Morgan AQUA Index

participation

7-yr surrenderDoes not vary by premium

Par: 50% · 3-yr

MSCI EAFE Index

participation

7-yr surrenderDoes not vary by premium

Par: 45% · 3-yr

S&P 500 Index

participation

7-yr surrenderDoes not vary by premium

Cap: 25% · 3-yr

S&P 500 Index

cap

7-yr surrenderDoes not vary by premium

Cap: 25% · 3-yr

MSCI EAFE Index

cap

7-yr surrenderDoes not vary by premium

Par: 180% · 1-yr

Goldman Sachs Voyager Index

participation

10-yr surrenderDoes not vary by premium

Par: 130% · 1-yr

PGIM Quant MAP Index

participation

10-yr surrenderDoes not vary by premium

Par: 99% · 1-yr

Franklin Templeton Spotlight Index

participation

10-yr surrenderDoes not vary by premium

Par: 99% · 1-yr

Dimensional US Innovation Index

participation

10-yr surrenderDoes not vary by premium

Par: 97% · 1-yr

J.P. Morgan AQUA Index

participation

10-yr surrenderDoes not vary by premium

Par: 45% · 1-yr

MSCI EAFE Index

participation

10-yr surrenderDoes not vary by premium

Par: 40% · 1-yr

S&P 500 Index

participation

10-yr surrenderDoes not vary by premium

Cap: 14% · 1-yr

Franklin Templeton Spotlight Index

cap

10-yr surrenderDoes not vary by premium

Cap: 14% · 1-yr

Dimensional US Innovation Index

cap

10-yr surrenderDoes not vary by premium

Cap: 11% · 1-yr

J.P. Morgan AQUA Index

cap

10-yr surrenderDoes not vary by premium

Cap: 9.65% · 1-yr

S&P 500 Index

cap

10-yr surrenderDoes not vary by premium

Cap: 7.75% · 1-yr

MSCI EAFE Index

cap

10-yr surrenderDoes not vary by premium

Trigger: 7% · 1-yr

MSCI EAFE Index

trigger

10-yr surrenderDoes not vary by premium

Trigger: 6.9% · 1-yr

S&P 500 Index

trigger

10-yr surrenderDoes not vary by premium

Par: 200% · 2-yr

Goldman Sachs Voyager Index

participation

10-yr surrenderDoes not vary by premium

Par: 180% · 2-yr

PGIM Quant MAP Index

participation

10-yr surrenderDoes not vary by premium

Par: 155% · 2-yr

Franklin Templeton Spotlight Index

participation

10-yr surrenderDoes not vary by premium

Par: 155% · 2-yr

Dimensional US Innovation Index

participation

10-yr surrenderDoes not vary by premium

Par: 150% · 2-yr

J.P. Morgan AQUA Index

participation

10-yr surrenderDoes not vary by premium

Par: 230% · 3-yr

Goldman Sachs Voyager Index

participation

10-yr surrenderDoes not vary by premium

Par: 220% · 3-yr

PGIM Quant MAP Index

participation

10-yr surrenderDoes not vary by premium

Par: 175% · 3-yr

Franklin Templeton Spotlight Index

participation

10-yr surrenderDoes not vary by premium

Par: 175% · 3-yr

Dimensional US Innovation Index

participation

10-yr surrenderDoes not vary by premium

Par: 165% · 3-yr

J.P. Morgan AQUA Index

participation

10-yr surrenderDoes not vary by premium

Par: 55% · 3-yr

MSCI EAFE Index

participation

10-yr surrenderDoes not vary by premium

Par: 50% · 3-yr

S&P 500 Index

participation

10-yr surrenderDoes not vary by premium

Cap: 28% · 3-yr

S&P 500 Index

cap

10-yr surrenderDoes not vary by premium

Cap: 28% · 3-yr

MSCI EAFE Index

cap

10-yr surrenderDoes not vary by premium

Accumulation profile

Accumulation-focused contract

Current CANNEX product data marks this filing as tax-deferred accumulation. Compare cap, participation rate, fees, liquidity, and surrender terms; use a separate payout-focused contract when guaranteed payout mechanics are required.

Common questions about Elevate Accumulator

● Can I lose money in Elevate Accumulator?

A negative index return by itself does not reduce the contract's account value: Elevate Accumulator 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 10% 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.

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

Up to 10% of your account value each year is penalty-free. The scheduled surrender charges run 10 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 Elevate Accumulator's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current Elevate Accumulator 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

10%/yr

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

Surrender waivers

3

Medically related surrenders, RMD waiver, Terminal illness waiver

Death benefit

Standard Death Benefit

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

Cap-rate floor

1.00%

Minimum guaranteed cap for cap-based indexed strategies.

Declared-rate floor

0.50%

Minimum guaranteed declared rate for declared-rate or performance-trigger strategies.

Fixed account guarantee

0.05%

Guaranteed minimum interest rate for the fixed account.

Participation-rate floor

5.00%

Minimum guaranteed participation rate for participation-rate indexed strategies.

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

9%

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, Surrender waivers

Documents

Carrier documents not available for this product

Brochures, product guides, or contract disclosures were not returned for this product on this request. Request the state-specific brochure or specimen contract from the carrier before purchase.

Carrier Ratings

AM BestA+
S&PAA-
S&PAA-

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

Elevate Accumulator currently shows 55 distinct indexed or fixed crediting choices across 57 displayed rate-table rows, including S&P 500 Index, with 45 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: 9.25% annual cap
  • S&P 500 Index: 9.65% annual cap
  • S&P 500 Index: 100% annual participation rate
  • S&P 500 Index: 35% annual participation 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.

  • 10%/yr free withdrawal
  • 10 surrender years
  • Medically related surrenders
  • RMD waiver
  • Terminal illness waiver

Verification note

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

This page uses the current structured product data returned for the contract. 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 an Elevate Accumulator rate report

See how Elevate Accumulator compares for your age, state, premium, and income goals alongside other Prudential Financial fixed indexed annuity options.

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