PruSecure Advisor
Prudential Financial
35%
Best Cap
10%
Free W/D
50
States
A fixed indexed annuity that protects your principal from market losses while offering growth potential tied to market index performance. Designed for people nearing or in retirement who want safety without sacrificing growth opportunity.
Free Withdrawal
10%/yr
Available In
50 states
Min Premium
$10,000
Surrender
7 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| Bloomberg Commodity | 3Y | 35% | 100% | -- |
| Bloomberg Commodity | Annual | 12.3% | 100% | -- |
| Dow Jones U.S. Real Estate | 3Y | 30% | 100% | -- |
| Dow Jones U.S. Real Estate | Annual | 11.55% | 100% | -- |
| MSCI EAFE Index | 3Y | 30% | 100% | -- |
| MSCI EAFE Index | 5Y | 65% | 100% | -- |
| MSCI EAFE Index | Annual | 11.55% | 100% | -- |
| S&P 500 Index | 3Y | 30% | 100% | -- |
| S&P 500 Index | 5Y | 65% | 100% | -- |
| S&P 500 Index | Annual | 11.05% | 100% | -- |
| Fixed Account | Daily | -- | -- | 4% |
Key Features
Principal Protection (Floor)
0% floor (100% protected)Your principal and all credited interest are fully protected against negative index performance. You cannot lose money due to market decline.
Index-Based Strategy Options
Up to 70% participation rate or 35% cap rate (varies by term)Choose from 4 market indices (S&P 500, MSCI EAFE, Real Estate, Commodities) with 1-, 3-, or 5-year terms. Cap rates or participation rates limit upside but guarantee a floor.
Fixed-Rate Strategy
Declared at purchase; rates may vary at renewalGuaranteed fixed interest rate for one year, renewed annually. Not tied to any index performance.
Tax-Deferred Growth
Can result in $14,814+ more growth on $100K over 20 years vs. taxable accountNo annual taxes on credited interest until withdrawal. Your money compounds faster than taxable investments.
Free Withdrawal Amount
10% of prior anniversary account value, penalty-freeAfter the first contract year, withdraw up to 10% annually without surrender charges or Market Value Adjustment.
Legacy Death Benefit
Greater of account value or 87.5% of premiums + 1% interestBeneficiaries receive the greater of account value or a minimum guaranteed value, plus a portion of index gains (pro-rated if death occurs mid-term).
Surrender Charge Periods
5-year or 7-year options availableChoose a 5- or 7-year surrender charge period. Different periods may offer different cap/participation rates and fixed rates.
Highlights
Principal protection with a 0% floor—your money is protected from market losses even if the index declines
Flexibility to choose between index-based strategies (S&P 500, MSCI EAFE, Real Estate, Commodities) or fixed-rate options, or a mix of both
Tax-deferred growth means your earnings compound without annual tax drag, potentially accumulating significantly more wealth
Legacy protection—if you pass away before the index term ends, beneficiaries receive a portion of any index gains, not just your account value
Surrender Schedule
Yr 1
2%
Yr 2
2%
Yr 3
2%
Yr 4
2%
Yr 5
2%
Yr 6
2%
Yr 7
2%
After
0%
Medically related surrenders, RMD waiver, Terminal illness waiver
Best For
Investors age 50+ who are near or in retirement and want to protect accumulated savings while maintaining growth potential without accepting full market risk.
Consider Alternatives If
Investors who need immediate access to their money or expect to fully withdraw funds within 5-7 years, or those seeking high growth with no caps on upside potential.
Carrier Ratings
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