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Fixed Indexed Annuity

Surepath Income

Prudential Financial

10%

Free W/D

50

Available jurisdictions

Product data status: updated regularly

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.

rate data

Run numbers for Surepath Income

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

Available only in Alaska, Alabama, Arkansas, Arizona, California, Colorado, Connecticut, District of Columbia, Delaware, Florida, Georgia, Hawaii, Iowa, Idaho, Illinois, Indiana, Kansas, Kentucky, Louisiana, Massachusetts, Maryland, Maine, Michigan, Minnesota, Missouri, Mississippi, Montana, North Carolina, North Dakota, Nebraska, New Hampshire, New Jersey, New Mexico, Nevada, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Vermont, Washington, Wisconsin, West Virginia, Wyoming

rates are shown when this state is selected. This product is state-restricted, and the available data does not include rates for the selected scenario.

Live product data

Rates as of September 1, 2026, from AdvisorWorld and CANNEX.

A current headline metric is not available for this product. Confirm current terms with the carrier.

The income-positioned sibling in Prudential's SurePath FIA family, with live crediting, surrender, ratings, and availability facts available on this page, but no published rider-level lifetime-income terms for an age-60, year-10 comparison.

AdvisorWorld + CANNEX data

Best fit

Buyers and advisors comparing SurePath Income's live contract facts while treating lifetime-income specifics as unavailable unless a carrier illustration or source-backed CANNEX rider response supplies the exact mechanics.

AM Best

A+ Superior

Surrender period

10 years

Free withdrawal

10%/yr

Availability

50 jurisdictions (excl. New York)

Featured crediting strategies

Current strategy rates are not published for this contract. The contract facts and analyst notes below remain available; confirm any new rate offering with the carrier.

Lifetime Income

Current income rider details are not available for this product. Confirm current rider terms with the carrier.

Product analyst notes

How to think about this contract

Why it can stand out

  • Current live data includes the contract's strategy, surrender, ratings, and availability details, but not published rider-level lifetime-income terms for an age-60, year-10 comparison.
  • SurePath Income remains separate from the base SurePath contract, so buyers should confirm the exact product name and published income terms on the proposal rather than carrying assumptions across sibling products.
  • The contract carries the same broad bench of proprietary multi-asset and volatility-controlled participation-rate indexes as the base SurePath — Goldman Sachs Voyager, Dimensional US Innovation, J.P. Morgan AQUA, Franklin Templeton Spotlight, and PGIM Quant MAP — across one-, two-, and three-year crediting horizons.
  • 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.
  • If CANNEX later publishes structured rider details for SurePath Income, those terms can support a direct lifetime-income comparison. Until then, rely on a carrier illustration instead of assumptions from sibling products.

What to confirm

  • Do not quote a numeric lifetime-income amount, tier, charge, growth formula, equivalent value, or qualified-money treatment from this page while those structured income terms are unavailable in the live data.
  • SurePath and SurePath Income are separate contracts, not state-specific versions of the same contract. Confirm which product is on the proposal and use a carrier illustration before comparing lifetime-income terms between them.
  • Underlying index strategies include several proprietary, volatility-controlled and multi-asset indexes. Their participation rates can look striking in absolute terms but are NOT directly comparable to an S&P 500 cap — evaluate each on its own back-tested behavior and methodology, not on the headline percent.
  • Multi-year crediting strategies publish caps and participation as multi-year totals (two-year or three-year), not annualized — those headlines need to be annualized before a like-for-like comparison with single-year FIAs.

Not ideal for

Buyers who need exact lifetime-income numbers, charges, growth methodology, or qualified-money treatment directly from this page; those require a carrier illustration or source-backed CANNEX rider data.

Free Comparison Report

Compare current Prudential Financial alternatives

Rates last updated September 1, 2026. This page shows last-known rates — confirm current availability with the carrier. Compare currently available Prudential Financial fixed indexed annuity options for your age, state, premium, and income goals.

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 Surepath Income

Are current crediting rates published for Surepath Income?

No. The current product feed publishes contract and liquidity facts for Surepath Income, but no current indexed or fixed crediting strategies. Historical rates are not substituted. Confirm any new rate offering directly with the carrier.

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.

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.

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

10%

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

Documents

brochure

1018636_SurePathIncomeClientBrochure.pdf

Confidence: highReviewed Apr 6, 2026

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

Carrier Ratings

AM BestA+
FitchAA-
S&PAA-

Contract notes from product data

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

Carrier materials such as 1018636_SurePathIncomeClientBrochure.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 8, 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

Compare current Prudential Financial alternatives

Rates last updated September 1, 2026. This page shows last-known rates — confirm current availability with the carrier. Compare currently available Prudential Financial fixed indexed annuity options for your age, state, premium, and income goals.

Related Resources

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