Fixed Indexed Annuity

PruSecure Advisor — Prudential Financial

Prudential Financial

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11.55%

Best S&P 500 Annual Cap

10%

Free W/D

Available jurisdictions

Product data status: October 2, 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 PruSecure Advisor would do for you

Set your numbers and switch between growth strategies and liquidity scenarios. Negative index performance does not produce a negative index credit. Fees, withdrawals and surrender charges can reduce contract value.

Product analyzer

Illustrative — live CANNEX rates as of October 2, 2026; not a projection or guarantee.

Premium$100,000

Your age60

Surrender term

Crediting strategy

Compare against

$314,889

Est. value at age 80 (PruSecure Advisor)

11.55%

Best S&P 500 1-yr point-to-point cap

S&P 500 Index — 11.55% 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 PruSecure Advisor's published cap rate (11.55% 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 October 2, 2026.

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

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rate data

Run numbers for PruSecure Advisor

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

Live product data

Rates as of October 2, 2026, from AdvisorWorld and CANNEX.

S&P 500 annual cap rate

11.55% cap on S&P 500

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.

1-year term7-year surrender$100,000+AdvisorWorld + CANNEX data

Best fit

Fee-only advisory clients whose advisor is recommending a fixed indexed annuity inside a fee-based account and who want principal-protected indexed growth from an A.M. Best A+ rated Prudential life subsidiary, value a recognizable S&P 500 annual cap option alongside multi-year and diversified index choices, and do not need a contractually guaranteed lifetime-income rider.

AM Best

A+ Superior

Surrender options

5 and 7 years

Free withdrawal

10%/yr

Availability

50 jurisdictions (excl. New York)

Featured crediting strategies

Caps, participation rates, and declared rates are shown separately.

Index / strategyRate mechanicsCreditingSurrenderPremium

S&P 500

S&P 500 Index

11.55% cap rate

Rate effective Oct 1, 2026

Annual point-to-point

Requested state: TX

1-year term · 7-year surrender · $100,000+

1-year term

7-year surrender

$100,000+

S&P 500

S&P 500 Index

11.5% cap rate

Rate effective Oct 1, 2026

Annual point-to-point

Requested state: TX

1-year term · 5-year surrender · $100,000+

1-year term

5-year surrender

$100,000+

S&P 500

S&P 500 Index

8.6% trigger rate

Rate effective Oct 1, 2026

Performance trigger

Requested state: TX

1-year term · 5-year surrender · $100,000+

1-year term

5-year surrender

$100,000+

S&P 500

S&P 500 Index

8.65% trigger rate

Rate effective Oct 1, 2026

Performance trigger

Requested state: TX

1-year term · 7-year surrender · $100,000+

1-year term

7-year surrender

$100,000+

S&P 500

S&P 500 Index

60% participation rate

Rate effective Oct 1, 2026

Annual point-to-point

Requested state: TX

1-year term · 7-year surrender · $100,000+

1-year term

7-year surrender

$100,000+

S&P 500

S&P 500 Index

55% participation rate

Rate effective Oct 1, 2026

Annual point-to-point

Requested state: TX

1-year term · 5-year surrender · $100,000+

1-year term

5-year surrender

$100,000+

S&P 500

S&P 500 Index

30% cap rate

Rate effective Oct 1, 2026

3-year point-to-point

Requested state: TX

3-year term · 7-year surrender · $100,000+

3-year term

7-year surrender

$100,000+

S&P 500

S&P 500 Index

28% cap rate

Rate effective Oct 1, 2026

3-year point-to-point

Requested state: TX

3-year term · 5-year surrender · $100,000+

3-year term

5-year surrender

$100,000+

S&P 500

S&P 500 Index

75% participation rate

Rate effective Oct 1, 2026

3-year point-to-point

Requested state: TX

3-year term · 7-year surrender · $100,000+

3-year term

7-year surrender

$100,000+

S&P 500

S&P 500 Index

60% participation rate

Rate effective Oct 1, 2026

3-year point-to-point

Requested state: TX

3-year term · 5-year surrender · $100,000+

3-year term

5-year surrender

$100,000+

S&P 500

S&P 500 Index

65% cap rate

Rate effective Oct 1, 2026

5-year point-to-point

Requested state: TX

5-year term · 7-year surrender · $100,000+

5-year term

7-year surrender

$100,000+

S&P 500

S&P 500 Index

64% cap rate

Rate effective Oct 1, 2026

5-year point-to-point

Requested state: TX

5-year term · 5-year surrender · $100,000+

5-year term

5-year surrender

$100,000+

S&P 500

S&P 500 Index

80% participation rate

Rate effective Oct 1, 2026

5-year point-to-point

Requested state: TX

5-year term · 7-year surrender · $100,000+

5-year term

7-year surrender

$100,000+

S&P 500

S&P 500 Index

75% participation rate

Rate effective Oct 1, 2026

5-year point-to-point

Requested state: TX

5-year term · 5-year surrender · $100,000+

5-year term

5-year surrender

$100,000+

Dow Jones

Dow Jones U.S. Real Estate

11.55% cap rate

Rate effective Oct 1, 2026

Annual point-to-point

Requested state: TX

1-year term · 7-year surrender · $100,000+

1-year term

7-year surrender

$100,000+

Dow Jones

Dow Jones U.S. Real Estate

11.5% cap rate

Rate effective Oct 1, 2026

Annual point-to-point

Requested state: TX

1-year term · 5-year surrender · $100,000+

1-year term

5-year surrender

$100,000+

Dow Jones

Dow Jones U.S. Real Estate

60% participation rate

Rate effective Oct 1, 2026

Annual point-to-point

Requested state: TX

1-year term · 7-year surrender · $100,000+

1-year term

7-year surrender

$100,000+

Dow Jones

Dow Jones U.S. Real Estate

55% participation rate

Rate effective Oct 1, 2026

Annual point-to-point

Requested state: TX

1-year term · 5-year surrender · $100,000+

1-year term

5-year surrender

$100,000+

Dow Jones

Dow Jones U.S. Real Estate

30% cap rate

Rate effective Oct 1, 2026

3-year point-to-point

Requested state: TX

3-year term · 7-year surrender · $100,000+

3-year term

7-year surrender

$100,000+

Dow Jones

Dow Jones U.S. Real Estate

28% cap rate

Rate effective Oct 1, 2026

3-year point-to-point

Requested state: TX

3-year term · 5-year surrender · $100,000+

3-year term

5-year surrender

$100,000+

Dow Jones

Dow Jones U.S. Real Estate

75% participation rate

Rate effective Oct 1, 2026

3-year point-to-point

Requested state: TX

3-year term · 7-year surrender · $100,000+

3-year term

7-year surrender

$100,000+

Dow Jones

Dow Jones U.S. Real Estate

60% participation rate

Rate effective Oct 1, 2026

3-year point-to-point

Requested state: TX

3-year term · 5-year surrender · $100,000+

3-year term

5-year surrender

$100,000+

Fixed Account

4.5% declared rate

Rate effective Oct 1, 2026

Fixed account

Requested state: TX

1-year term · 7-year surrender · $100,000+

1-year term

7-year surrender

$100,000+

Fixed Account

4.5% declared rate

Rate effective Oct 1, 2026

Fixed account

Requested state: TX

1-year term · 5-year surrender · $100,000+

1-year term

5-year surrender

$100,000+

+ 22 additional crediting options (MSCI EAFE, Bloomberg Commodity...)

Product analyst notes

How to think about this contract

Why it can stand out

Surrender schedule is a flat low-rate ladder rather than a steep declining ladder — designed for advisory/fee-based accounts where surrender charges are minimized in exchange for a different fee economics, so an unplanned exit costs materially less than on the commission-paid PruSecure filing while still respecting a multi-year structural lock-up.
Index menu pairs a recognizable S&P 500 annual point-to-point cap with multi-year crediting options (three-year and five-year point-to-point) and additional indices (MSCI EAFE, Dow Jones U.S. Real Estate, Bloomberg Commodity), so the contract supports both like-for-like S&P 500 comparison and longer-horizon/diversified index choices inside the advisory share class.
Carrier financial strength is corroborated by more than one independent agency on this page — A.M. Best and Standard & Poor's both publish ratings on the issuing Prudential entity — so the strength view is triangulated rather than a single-source read.
Contract spells out strategy floors directly — a minimum guaranteed cap on indexed strategies, a minimum guaranteed declared rate on the declared-rate strategy, and a guaranteed minimum interest rate on the fixed account — so the worst-case crediting terms are visible alongside the current ones.

What to confirm

This is the advisory/fee-based share class, designed to be held inside a fee-only advisory account — the buyer should expect the platform's advisory fee to be charged outside the contract on top of any contract-internal economics. The flat-surrender schedule presumes that compensation is delivered through the advisory fee, not through commission embedded in the rate profile, so the contract is materially different from PruSecure even though the underlying index menu looks similar.
This is NOT a guaranteed-lifetime-withdrawal product. The live feed shows zero income riders on this contract — there is no optional GLWB and no Protected Income Value income chassis on PruSecure Advisor. Buyers who need a contractually guaranteed lifetime payout rate from a rider need a different contract (Prudential's SurePath Income, which does carry a GLWB rider, is the income-led product in the lineup).
Multi-year crediting strategies on this contract publish caps as multi-year totals (three-year or five-year), not annualized — the multi-year cap headlines are NOT comparable to a one-year annual cap and need to be annualized before any like-for-like comparison with single-year FIAs.
PruSecure (commission share class) and PruSecure Advisor (this contract) are separate filings — not state-segmented siblings. The rate sheet, surrender ladder, and intended distribution channel differ even though the product name shares the PruSecure root. Confirm the share class on the proposal matches the channel being used.

Not ideal for

Buyers who need a contractually guaranteed lifetime withdrawal rate from a GLWB rider (this contract has none — Prudential's SurePath Income carries the rider instead), buyers buying outside a fee-based advisory relationship (the commission share class PruSecure is the natural match for that channel), buyers who need a plain MYGA-style flat declared rate, or buyers who want a fully liquid short-surrender contract — none of those are what this share class is structured to deliver.

Free Comparison Report

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See how PruSecure Advisor 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 (90 strategies)

These listings show published strategy details and any available rates. Use the filters to narrow by index, term, premium band, or rate type.

Par: 55% · 1-yr

S&P 500 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000+

Par: 55% · 1-yr

MSCI EAFE Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000+

Par: 55% · 1-yr

Dow Jones U.S. Real Estate

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000+

Par: 55% · 1-yr

Bloomberg Commodity

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000+

Par: 55% · 1-yr

S&P 500 Index

Point-to-point

Requested state: TX5-yr surrender$100,000+

Par: 55% · 1-yr

MSCI EAFE Index

Point-to-point

Requested state: TX5-yr surrender$100,000+

Par: 55% · 1-yr

Dow Jones U.S. Real Estate

Point-to-point

Requested state: TX5-yr surrender$100,000+

Par: 55% · 1-yr

Bloomberg Commodity

Point-to-point

Requested state: TX5-yr surrender$100,000+

Cap: 12% · 1-yr

Bloomberg Commodity

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000+

Cap: 12% · 1-yr

Bloomberg Commodity

Point-to-point

Requested state: TX5-yr surrender$100,000+

Cap: 11.5% · 1-yr

S&P 500 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000+

Cap: 11.5% · 1-yr

MSCI EAFE Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000+

Cap: 11.5% · 1-yr

Dow Jones U.S. Real Estate

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000+

Cap: 11.5% · 1-yr

S&P 500 Index

Point-to-point

Requested state: TX5-yr surrender$100,000+

Cap: 11.5% · 1-yr

MSCI EAFE Index

Point-to-point

Requested state: TX5-yr surrender$100,000+

Cap: 11.5% · 1-yr

Dow Jones U.S. Real Estate

Point-to-point

Requested state: TX5-yr surrender$100,000+

Trigger: 8.6% · 1-yr

S&P 500 Index

Performance trigger · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000+

Trigger: 8.6% · 1-yr

S&P 500 Index

Performance trigger

Requested state: TX5-yr surrender$100,000+

Trigger: 7.6% · 1-yr

MSCI EAFE Index

Performance trigger · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000+

Trigger: 7.6% · 1-yr

MSCI EAFE Index

Performance trigger

Requested state: TX5-yr surrender$100,000+

Par: 60% · 3-yr

S&P 500 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000+

Par: 60% · 3-yr

Dow Jones U.S. Real Estate

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000+

Par: 60% · 3-yr

Bloomberg Commodity

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000+

Par: 60% · 3-yr

MSCI EAFE Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000+

Par: 60% · 3-yr

S&P 500 Index

Point-to-point

Requested state: TX5-yr surrender$100,000+

Par: 60% · 3-yr

Dow Jones U.S. Real Estate

Point-to-point

Requested state: TX5-yr surrender$100,000+

Par: 60% · 3-yr

Bloomberg Commodity

Point-to-point

Requested state: TX5-yr surrender$100,000+

Par: 60% · 3-yr

MSCI EAFE Index

Point-to-point

Requested state: TX5-yr surrender$100,000+

Cap: 33% · 3-yr

Bloomberg Commodity

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000+

Cap: 33% · 3-yr

Bloomberg Commodity

Point-to-point

Requested state: TX5-yr surrender$100,000+

Cap: 28% · 3-yr

S&P 500 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000+

Cap: 28% · 3-yr

MSCI EAFE Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000+

Cap: 28% · 3-yr

Dow Jones U.S. Real Estate

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000+

Cap: 28% · 3-yr

S&P 500 Index

Point-to-point

Requested state: TX5-yr surrender$100,000+

Cap: 28% · 3-yr

MSCI EAFE Index

Point-to-point

Requested state: TX5-yr surrender$100,000+

Cap: 28% · 3-yr

Dow Jones U.S. Real Estate

Point-to-point

Requested state: TX5-yr surrender$100,000+

Par: 75% · 5-yr

S&P 500 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000+

Par: 75% · 5-yr

MSCI EAFE Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000+

Par: 75% · 5-yr

S&P 500 Index

Point-to-point

Requested state: TX5-yr surrender$100,000+

Par: 75% · 5-yr

MSCI EAFE Index

Point-to-point

Requested state: TX5-yr surrender$100,000+

Cap: 64% · 5-yr

S&P 500 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000+

Cap: 64% · 5-yr

MSCI EAFE Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000+

Cap: 64% · 5-yr

S&P 500 Index

Point-to-point

Requested state: TX5-yr surrender$100,000+

Cap: 64% · 5-yr

MSCI EAFE Index

Point-to-point

Requested state: TX5-yr surrender$100,000+

Par: 60% · 1-yr

S&P 500 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20267-yr surrender$100,000+

Par: 60% · 1-yr

MSCI EAFE Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20267-yr surrender$100,000+

Par: 60% · 1-yr

Dow Jones U.S. Real Estate

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20267-yr surrender$100,000+

Par: 60% · 1-yr

Bloomberg Commodity

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20267-yr surrender$100,000+

Par: 60% · 1-yr

S&P 500 Index

Point-to-point

Requested state: TX7-yr surrender$100,000+

Par: 60% · 1-yr

MSCI EAFE Index

Point-to-point

Requested state: TX7-yr surrender$100,000+

Par: 60% · 1-yr

Dow Jones U.S. Real Estate

Point-to-point

Requested state: TX7-yr surrender$100,000+

Par: 60% · 1-yr

Bloomberg Commodity

Point-to-point

Requested state: TX7-yr surrender$100,000+

Cap: 12.3% · 1-yr

Bloomberg Commodity

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20267-yr surrender$100,000+

Cap: 12.3% · 1-yr

Bloomberg Commodity

Point-to-point

Requested state: TX7-yr surrender$100,000+

Cap: 11.55% · 1-yr

S&P 500 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20267-yr surrender$100,000+

Cap: 11.55% · 1-yr

MSCI EAFE Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20267-yr surrender$100,000+

Cap: 11.55% · 1-yr

Dow Jones U.S. Real Estate

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20267-yr surrender$100,000+

Cap: 11.55% · 1-yr

S&P 500 Index

Point-to-point

Requested state: TX7-yr surrender$100,000+

Cap: 11.55% · 1-yr

MSCI EAFE Index

Point-to-point

Requested state: TX7-yr surrender$100,000+

Cap: 11.55% · 1-yr

Dow Jones U.S. Real Estate

Point-to-point

Requested state: TX7-yr surrender$100,000+

Fixed: 4.5% · 1-yr

Fixed Account

Fixed account · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20267-yr surrender$100,000+

Fixed: 4.5% · 1-yr

Fixed Account

Fixed account

Requested state: TX7-yr surrender$100,000+

Trigger: 8.65% · 1-yr

S&P 500 Index

Performance trigger · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20267-yr surrender$100,000+

Trigger: 8.65% · 1-yr

S&P 500 Index

Performance trigger

Requested state: TX7-yr surrender$100,000+

Trigger: 7.7% · 1-yr

MSCI EAFE Index

Performance trigger · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20267-yr surrender$100,000+

Trigger: 7.7% · 1-yr

MSCI EAFE Index

Performance trigger

Requested state: TX7-yr surrender$100,000+

Par: 75% · 3-yr

S&P 500 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20267-yr surrender$100,000+

Par: 75% · 3-yr

Dow Jones U.S. Real Estate

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20267-yr surrender$100,000+

Par: 75% · 3-yr

Bloomberg Commodity

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20267-yr surrender$100,000+

Par: 75% · 3-yr

MSCI EAFE Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20267-yr surrender$100,000+

Par: 75% · 3-yr

S&P 500 Index

Point-to-point

Requested state: TX7-yr surrender$100,000+

Par: 75% · 3-yr

Dow Jones U.S. Real Estate

Point-to-point

Requested state: TX7-yr surrender$100,000+

Par: 75% · 3-yr

Bloomberg Commodity

Point-to-point

Requested state: TX7-yr surrender$100,000+

Par: 75% · 3-yr

MSCI EAFE Index

Point-to-point

Requested state: TX7-yr surrender$100,000+

Cap: 35% · 3-yr

Bloomberg Commodity

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20267-yr surrender$100,000+

Cap: 35% · 3-yr

Bloomberg Commodity

Point-to-point

Requested state: TX7-yr surrender$100,000+

Cap: 30% · 3-yr

S&P 500 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20267-yr surrender$100,000+

Cap: 30% · 3-yr

MSCI EAFE Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20267-yr surrender$100,000+

Cap: 30% · 3-yr

Dow Jones U.S. Real Estate

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20267-yr surrender$100,000+

Cap: 30% · 3-yr

S&P 500 Index

Point-to-point

Requested state: TX7-yr surrender$100,000+

Cap: 30% · 3-yr

MSCI EAFE Index

Point-to-point

Requested state: TX7-yr surrender$100,000+

Cap: 30% · 3-yr

Dow Jones U.S. Real Estate

Point-to-point

Requested state: TX7-yr surrender$100,000+

Par: 80% · 5-yr

S&P 500 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20267-yr surrender$100,000+

Par: 80% · 5-yr

MSCI EAFE Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20267-yr surrender$100,000+

Par: 80% · 5-yr

S&P 500 Index

Point-to-point

Requested state: TX7-yr surrender$100,000+

Par: 80% · 5-yr

MSCI EAFE Index

Point-to-point

Requested state: TX7-yr surrender$100,000+

Cap: 65% · 5-yr

S&P 500 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20267-yr surrender$100,000+

Cap: 65% · 5-yr

MSCI EAFE Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20267-yr surrender$100,000+

Cap: 65% · 5-yr

S&P 500 Index

Point-to-point

Requested state: TX7-yr surrender$100,000+

Cap: 65% · 5-yr

MSCI EAFE Index

Point-to-point

Requested state: TX7-yr surrender$100,000+

Accumulation profile

Accumulation-focused contract

The CANNEX information identifies this product 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 PruSecure Advisor

● Can I lose money in PruSecure Advisor?

A negative index return by itself does not reduce the contract's account value: PruSecure Advisor credits 0% — the floor — for that indexed period. The account value can still decrease from withdrawals, surrender charges, 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 7 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 PruSecure Advisor's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another available PruSecure Advisor 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

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

1.75%

Guaranteed minimum interest rate for the fixed account.

Participation-rate floor

5.00%

Minimum guaranteed participation rate for participation-rate indexed strategies.

Fund types

Non-qualified, Qualified

Availability can vary by state and product terms.

Surrender schedule

Yr 1

Yr 2

Yr 3

Yr 4

Yr 5

Yr 6

Yr 7

After

Medically related surrenders, RMD waiver, Terminal illness waiver

Documents

brochure

PruSecure Advisor brochure pdf.pdf

Confidence: highReviewed Apr 14, 2026

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

Carrier Ratings

AM BestA+

FitchAA-

S&PAA-

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

PruSecure Advisor currently shows 90 indexed or fixed crediting options, including S&P 500 Index, with 44 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, and renewal terms are different mechanics and should not be ranked as one simple rate list.

S&P 500 Index: 11.55% annual cap, 0% annual strategy fee
S&P 500 Index: 11.5% annual cap, 0% annual strategy fee
S&P 500 Index: 11.55% annual cap
S&P 500 Index: 11.5% annual cap

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
7 surrender years
Medically related surrenders
RMD waiver
Terminal illness waiver

Verification note

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

Carrier materials such as PruSecure Advisor brochure pdf.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 24, 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

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

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Related Resources

PruSecure Advisor — Prudential Financial

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Run numbers for PruSecure Advisor

11.55% cap on S&P 500

Featured crediting strategies

How to think about this contract

Why it can stand out

What to confirm

Get a PruSecure Advisor rate report

All crediting strategies

Accumulation profile

Common questions about PruSecure Advisor

Key Features

Free withdrawal

Surrender waivers

Death benefit

Cap-rate floor

Declared-rate floor

Fixed account guarantee

Participation-rate floor

Fund types

Surrender schedule

Documents

PruSecure Advisor brochure pdf.pdf

Carrier Ratings

Contract notes from product data

How the interest-crediting choices are framed

Why access rules deserve as much attention as rates

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

Get a PruSecure Advisor rate report

Related Resources

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