Registered index-linked annuity
FlexGuard Income
Prudential Financial RILA details from the AdvisorWorld CANNEX public API. Review buffers, floors, crediting rates, premium bands, liquidity, and documents before comparing this product with FIA or MYGA options.
Scenario used for current rows
$100,000 premium, issue age 60, Texas unless the product is state-restricted.
RILA contracts can offer index-linked upside with a stated buffer, floor, or downside participation rule. They can still lose value under market and contract conditions, and they are not MYGA-style fixed-rate guarantees.
Product data status: July 14, 2026
Source: AdvisorWorld public product detail from CANNEX. Rates vary by state, premium band, issue age, index segment, and crediting term. RILA buffers, floors, downside participation, caps, participation rates, fixed rates, and spreads are separate point-in-time contract mechanics; they can change and are not guaranteed yields. Educational only; not advice, a quote, or a carrier-approved illustration. Confirm the current prospectus, state filing, and carrier materials before purchase. Guarantees are backed by the issuing carrier's claims-paying ability and are not FDIC-insured.
Buffer
100%
S&P 500 Index · 1-year term · PP · A
Downside buffer for the listed index-linked segment; losses beyond the buffer can still apply.
Cap
75%
S&P 500 Index · 6-year term · PP · 6Y
Crediting cap for the listed index-linked segment; actual crediting depends on index performance and contract terms.
Participation
100%
MSCI EAFE Index · 3-year term · PP · 3Y
Share of positive index return used by the listed segment, before any applicable caps, spreads, or fees.
Spread
1.25%
S&P 500 Index · 1-year term · Enhanced Cap Rate- Spread A · A
Spread applied to the listed index-linked segment; read with the index, term, cap or participation rule.
Strategy rows
56
Rows can vary by index, segment term, premium band, and state rules.
State coverage
49
Jurisdictions
Availability should be confirmed for the client's state and contract version.
Current RILA strategy terms
Scenario: $100,000 premium, issue age 60, Texas unless state-restricted. Source: AdvisorWorld CANNEX RILA detail, last scan July 14, 2026.
AB 500 Plus Index
PP · 3-yr term
Buffer
10%
Participation
100%
Premium band not shown
AB 500 Plus Index
PP · 3-yr term
Buffer
20%
Cap
65%
Premium band not shown
AB 500 Plus Index
PP · 6-yr term
Buffer
20%
Participation
100%
Premium band not shown
AB 500 Plus Index
PP · 6-yr term
Buffer
30%
Cap
75%
Premium band not shown
Dimensional International Equity Focus Index
PP · 6-yr term
Buffer
20%
Participation
100%
Premium band not shown
Dimensional International Equity Focus Index
PP · 6-yr term
Buffer
30%
Cap
70%
Premium band not shown
Invesco QQQ Trust Series 1
PP · 1-yr term
Buffer
10%
Cap
22%
Premium band not shown
Invesco QQQ Trust Series 1
PP · 1-yr term
Buffer
15%
Cap
17.25%
Premium band not shown
Invesco QQQ Trust Series 1
PP · 1-yr term
Buffer
30%
Cap
10.75%
Premium band not shown
iShares Russell 2000 ETF
PP · 1-yr term
Buffer
10%
Cap
25%
Premium band not shown
iShares Russell 2000 ETF
PP · 1-yr term
Buffer
15%
Cap
19%
Premium band not shown
iShares Russell 2000 ETF
PP · 1-yr term
Buffer
30%
Cap
12%
Premium band not shown
iShares Russell 2000 ETF
PP · 3-yr term
Buffer
10%
Cap
1.1%
Premium band not shown
iShares Russell 2000 ETF
PP · 3-yr term
Buffer
20%
Cap
65%
Premium band not shown
iShares Russell 2000 ETF
PP · 6-yr term
Buffer
20%
Cap
1.5%
Premium band not shown
iShares Russell 2000 ETF
PP · 6-yr term
Buffer
30%
Cap
70%
Premium band not shown
MSCI EAFE Index
Enhanced Cap Rate- Spread A · PP · 1-yr term
Buffer
10%
Cap
32%
Premium band not shown
MSCI EAFE Index
Enhanced Cap Rate- Spread A · PP · 1-yr term
Buffer
15%
Cap
20%
Premium band not shown
MSCI EAFE Index
Enhanced Cap Rate- Spread B · PP · 1-yr term
Buffer
10%
Participation
100%
Premium band not shown
MSCI EAFE Index
Enhanced Cap Rate- Spread B · PP · 1-yr term
Buffer
15%
Cap
25%
Premium band not shown
MSCI EAFE Index
PP · 1-yr term
Buffer
10%
Cap
20%
Premium band not shown
MSCI EAFE Index
PP · 1-yr term
Buffer
15%
Cap
15%
Premium band not shown
MSCI EAFE Index
PP · 1-yr term
Buffer
30%
Cap
10.75%
Premium band not shown
MSCI EAFE Index
PP · 3-yr term
Buffer
10%
Participation
100%
Premium band not shown
MSCI EAFE Index
PP · 3-yr term
Buffer
20%
Cap
3.5%
Premium band not shown
MSCI EAFE Index
PP · 6-yr term
Buffer
20%
Participation
100%
Premium band not shown
MSCI EAFE Index
PP · 6-yr term
Buffer
30%
Cap
1.5%
Premium band not shown
S&P 500 Index
Enhanced Cap Rate- Spread A · PP · 1-yr term
Buffer
10%
Cap
20%
Premium band not shown
S&P 500 Index
Enhanced Cap Rate- Spread A · PP · 1-yr term
Buffer
15%
Cap
17%
Premium band not shown
S&P 500 Index
Enhanced Cap Rate- Spread B · PP · 1-yr term
Buffer
10%
Cap
25%
Premium band not shown
S&P 500 Index
Enhanced Cap Rate- Spread B · PP · 1-yr term
Buffer
15%
Cap
19%
Premium band not shown
S&P 500 Index
PP · 1-yr term
Buffer
10%
Cap
18.5%
Premium band not shown
S&P 500 Index
PP · 1-yr term
Buffer
15%
Cap
15%
Premium band not shown
S&P 500 Index
PP · 1-yr term
Buffer
100%
Cap
8%
Premium band not shown
S&P 500 Index
PP · 1-yr term
Buffer
30%
Cap
10%
Premium band not shown
S&P 500 Index
PP · 1-yr term
Buffer
10%
Cap
13.5%
Premium band not shown
S&P 500 Index
PP · 1-yr term
Buffer
15%
Cap
7.75%
Premium band not shown
S&P 500 Index
PP · 3-yr term
Buffer
10%
Cap
1.1%
Premium band not shown
S&P 500 Index
PP · 3-yr term
Buffer
20%
Cap
50%
Premium band not shown
S&P 500 Index
PP · 6-yr term
Buffer
20%
Crediting
Not shown
Premium band not shown
S&P 500 Index
PP · 6-yr term
Buffer
10%
Cap
1.1%
Premium band not shown
S&P 500 Index
PP · 6-yr term
Buffer
15%
Crediting
Not shown
Premium band not shown
S&P 500 Index
PP · 6-yr term
Buffer
20%
Cap
75%
Premium band not shown
S&P 500 Index
PP · 6-yr term
Buffer
30%
Cap
70%
Premium band not shown
Step Rate Plus
Step Rate Plus · TH · 1-yr term
Buffer
10%
Crediting
Not shown
Premium band not shown
Step Rate Plus
Step Rate Plus · TH · 1-yr term
Buffer
5%
Crediting
Not shown
Premium band not shown
Step Rate Plus
Step Rate Plus · TH · 1-yr term
Buffer
5%
Crediting
Not shown
Premium band not shown
Tiered Participation
Tiered Participation · TH · 6-yr term
Buffer
10%
Crediting
Not shown
Premium band not shown
Tiered Participation
Tiered Participation · TH · 6-yr term
Buffer
10%
Crediting
Not shown
Premium band not shown
Tiered Participation
Tiered Participation · TH · 6-yr term
Buffer
10%
Crediting
Not shown
Premium band not shown
Tiered Participation
Tiered Participation · TH · 6-yr term
Buffer
10%
Crediting
Not shown
Premium band not shown
Tiered Participation
Tiered Participation · TH · 6-yr term
Buffer
5%
Crediting
Not shown
Premium band not shown
Tiered Participation
Tiered Participation · TH · 6-yr term
Buffer
5%
Crediting
Not shown
Premium band not shown
Tiered Participation
Tiered Participation · TH · 6-yr term
Buffer
5%
Crediting
Not shown
Premium band not shown
Tiered Participation
Tiered Participation · TH · 6-yr term
Buffer
5%
Crediting
Not shown
Premium band not shown
Tiered Participation
Tiered Participation · TH · 6-yr term
Buffer
5%
Crediting
Not shown
Premium band not shown
Liquidity
Free withdrawal: 10%/yr
Surrender rows shown: 6
Premium range
Minimum: Not shown
Maximum: Not shown
Documents
No carrier documents were returned with this product detail request.
Structured product features
Free withdrawal
10%/yr
Annual amount that may be available without surrender charges, subject to contract terms.
Surrender waivers
2
Medically related surrenders, RMD waiver
Death benefit
ROP 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
1.00%
Minimum guaranteed declared rate for declared-rate or performance-trigger strategies.
Participation-rate floor
10.00%
Minimum guaranteed participation rate for participation-rate indexed strategies.
Maximum spread
3.00%
Maximum spread: 3.00%
Annuitization options
Single and joint
Contract conversion options should be confirmed before purchase.