S.USA Life
The A.M. Best A- (Excellent) issuing carrier behind Prosperity Life Group's retail annuity shelf - an Arizona-domiciled life insurer, now part of JAB Insurance, with a focused lineup of fixed indexed and multi-year guaranteed annuities built for protected accumulation.
Financial strength
A-
AM Best
A-
S&P Global
A-
KBRA
A.M. Best A- rated
S.USA Life carries an A- Financial Strength Rating and a- Long-Term Issuer Credit Rating from A.M. Best, affirmed Nov 5, 2025 with stable outlooks after the under-review status was removed.
Prosperity Life Group carrier
S.USA Life Insurance Company, Inc. is the underwriting subsidiary within Prosperity Life Group that issues the live annuity products on ARHQ.
JAB Insurance backing
JAB Insurance completed its acquisition of Prosperity Life Group from Elliott Investment Management on Sept 5, 2025, bringing S.USA Life into a larger global insurance investment platform.
Protected-accumulation shelf
A focused lineup: fixed indexed annuities for index-linked growth potential and MYGAs for declared fixed-rate accumulation.
Arizona-domiciled, Roanoke HQ
An Arizona domestic insurer headquartered in Roanoke, Virginia, authorized across 47 states plus Washington, D.C.
Run live numbers on S.USA Life products
Choose a product type, then select a current product. The analyzer shows the values returned for your premium, age, state, and timing, and leaves out fields that are not published for that selection.
Growth FIAs
Selected product: Prosperity PathPro (1-year)
An accumulation-focused fixed indexed annuity group with index-linked crediting and, for some versions, premium-bonus designs.
Other current products
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Explore S.USA Life products
S.USA Life’s lineup, grouped by what each product group is built to do. Current rates are pulled from the daily carrier rate service.
Fixed Index Annuity - Growth
Index-linked annuities built for protected growth, with caps, participation rates, and fixed-account options surfaced from live product data.
- Growth-oriented FIAs grouped by accumulation purpose
- Individual product pages carry current rates, terms, riders, and disclosures
Best for: Buyers comparing principal-protected growth potential before opening a product page for the full live strategy set.
Prosperity PathPro (1-year)
A ten-year, accumulation-only fixed indexed annuity from S.USA Life Insurance Company (A.M. Best A-) that pairs a recognizable S&P 500 annual cap option with one- and two-year participation strategies on proprietary volatility-controlled indexes (S&P 500 Engle, Nasdaq Nexus, MSCI USA Balanced).
S&P 500 annual cap rate
9.25%
Prosperity PathPro Max (1-year)
A seven-year, accumulation-focused fixed indexed annuity from S.USA Life Insurance Company (A.M. Best A-) that pairs an upfront premium bonus with the same S&P 500 cap and one-/two-year proprietary participation strategies as the sibling Prosperity PathPro — at noticeably lower strategy rates to fund the bonus.
S&P 500 annual cap rate
6.5%
Safe Solution (1-year)
A seven-year, accumulation-only fixed indexed annuity from S.USA Life Insurance Company (A.M. Best A-) with an intentionally narrow S&P 500-only strategy menu — an annual cap plus a declared-rate trigger strategy — and a meaningful minimum-premium threshold.
S&P 500 annual cap rate
10.25%
Rates are pulled live from CANNEX via the AdvisorWorld data feed · 2026-06-27. Caps, payout rates, and guaranteed rates vary by state, premium band, and rider election — confirm current terms on each product page.
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Find your fit
Start with the job for the money, then open the live S.USA Life product page that matches that goal.
Company overview
What S.USA Life is
S.USA Life Insurance Company, Inc. is a U.S. life insurance and annuity carrier operating within Prosperity Life Group. An Arizona domestic insurer headquartered in Roanoke, Virginia, it serves consumers seeking retirement accumulation, principal protection, and fixed-interest growth.
Checked 2026-06-24 · S.USA Life research packet (Prosperity Life Group About Us)
S.USA Life is the legal issuing entity tied to the live ARHQ annuity feed. Prosperity Life Group is the broader group/marketing brand, while S.USA Life Insurance Company, Inc. is the specific underwriting company responsible for its own contractual obligations - which is why the carrier hub is built around S.USA Life rather than the Prosperity brand.
Checked 2026-06-24 · S.USA Life research packet (issuing-carrier finding)
On ARHQ, S.USA Life product cards are intentionally live-data driven: the profile supplies story and context, while product availability, rates, caps, participation rates, and guaranteed terms come from CANNEX-backed feeds at render.
At render · ARHQ carrier-page architecture; CANNEX via AdvisorWorld
Scale, labeled
Domicile
Arizona
Arizona domestic insurer headquartered in Roanoke, Virginia.
Checked 2026-06-24 · S.USA Life research packet (Prosperity Life Group About Us)
Licensing
47 states + D.C.
Authorized to do business across 47 states and Washington, D.C. per Prosperity's primary source.
Checked 2026-06-24 · S.USA Life research packet (Prosperity Life Group About Us)
Group
Prosperity / JAB
Prosperity Life Group underwriting company; ultimate owner JAB Insurance / JAB Holding Company.
Acquisition completed Sept 5, 2025 · S.USA Life research packet (JAB Insurance, Sept 5 2025)
A.M. Best
A- (Excellent)
A- Financial Strength Rating / a- Issuer Credit Rating, affirmed Nov 5, 2025, stable outlooks.
Affirmed Nov 5, 2025 · S.USA Life research packet (AM Best, Nov 5 2025)
History highlights
S.USA Life Insurance Company is commonly reported by industry sources as founded in 1995.
Founded 1995 (third-party) · S.USA Life research packet (industry sources)
In 2000, S.USA Life became a wholly owned subsidiary of SBLI USA Mutual Life Insurance Company, per Prosperity's corporate timeline.
Subsidiary since 2000 · S.USA Life research packet (Prosperity Life Group About Us)
On Sept 5, 2025, JAB Insurance completed its acquisition of Prosperity Life Group; on Nov 5, 2025, A.M. Best removed S.USA Life from under review and affirmed its A- / a- ratings with stable outlooks.
Ratings resolved Nov 5, 2025 · S.USA Life research packet (JAB Sept 2025; AM Best Nov 2025)
Inside Prosperity Life Group, now JAB-backed
S.USA Life Insurance Company, Inc. is one of the underwriting companies within Prosperity Life Group, alongside National Western Life, SBLI USA Life, and Shenandoah Life.
Checked 2026-06-24 · S.USA Life research packet (Prosperity Life Group About Us)
JAB Insurance completed its acquisition of Prosperity Life Group from Elliott Investment Management effective Sept 5, 2025. Following the transaction, Prosperity became a foundational part of the JAB Insurance business, with JAB Holding Company as the ultimate owner.
Acquisition completed Sept 5, 2025 · S.USA Life research packet (JAB Insurance, Sept 5 2025)
JAB's release reported Prosperity had nearly $30 billion in assets and approximately one million policyholders at the time of acquisition. Those are Prosperity Life Group-level figures, not S.USA Life standalone metrics.
Group-level figures · S.USA Life research packet (JAB Insurance, Sept 5 2025)
Financial strength
AM Best
CurrentA-
Excellent financial-strength rating (A- FSR / a- ICR); removed from under review and affirmed Nov 5, 2025 with stable outlooks.
Affirmed Nov 5, 2025
S.USA Life research packet (AM Best, Nov 5 2025) · current rating check
S&P Global
A-
Strong capacity to meet financial commitments; referenced at the Prosperity group level for operating subsidiaries.
Checked 2026-06-24
KBRA
A-
Group-level rating reference in JAB/Prosperity materials.
Checked 2026-06-24
What makes S.USA Life different
The issuing carrier behind the Prosperity shelf
S.USA Life Insurance Company, Inc. is the legal entity the live annuity products are filed under in the CANNEX/AdvisorWorld feed. Prosperity Life Group is the recognizable brand, but S.USA Life is the carrier that actually issues the contracts - which is why the hub is built here.
Checked 2026-06-24 · S.USA Life research packet (issuing-carrier finding)
A.M. Best A-, resolved and affirmed
A.M. Best placed S.USA Life under review with developing implications in Feb 2025 during the JAB acquisition, then removed that status on Nov 5, 2025 and affirmed the A- Financial Strength Rating and a- Issuer Credit Rating with stable outlooks. S&P and KBRA also reference A- at the group level.
Affirmed Nov 5, 2025 · S.USA Life research packet (AM Best, Nov 5 2025)
JAB institutional backing
The 2025 JAB Insurance acquisition moved Prosperity Life Group and S.USA Life from an Elliott-backed platform into JAB's larger global insurance investment platform - a change to the ownership and capital story behind the carrier.
Acquisition completed Sept 5, 2025 · S.USA Life research packet (JAB Insurance, Sept 5 2025)
Focused protected-accumulation lineup
The ARHQ-visible shelf is concentrated on protected accumulation: fixed indexed annuities (Prosperity PathPro, PathPro Max, Safe Solution) for index-linked growth potential, and MYGAs (Select Choice, Select Choice Plus) for declared fixed-rate growth.
At render · ARHQ product catalog; CANNEX via AdvisorWorld
About S.USA Life
S.USA Life Insurance Company, Inc., reported founded in 1995 and headquartered in Roanoke, Virginia, is an Arizona-domiciled life insurer within Prosperity Life Group. It is the underwriting company that issues the group's retail annuity shelf on ARHQ - fixed indexed annuities and multi-year guaranteed annuities for retirement accumulation and principal protection.
Checked 2026-06-24 · S.USA Life research packet (Prosperity Life Group About Us)
Financially, S.USA Life holds an A- Financial Strength Rating and a- Long-Term Issuer Credit Rating from A.M. Best - both categorized "Excellent" - affirmed with stable outlooks on Nov 5, 2025 after the under-review status from the JAB acquisition was removed. The carrier is now part of JAB Insurance's global platform.
Affirmed Nov 5, 2025 · S.USA Life research packet (AM Best, Nov 5 2025; JAB Sept 2025)
On ARHQ, S.USA Life product pages stay product-specific: the carrier hub frames the lineup and routes each live product to its own page for current rates, caps, participation rates, riders, state availability, and disclosures.
At render · ARHQ carrier-page architecture; CANNEX via AdvisorWorld
Free Comparison Report
Get S.USA Life's current rate report
Compare S.USA Life's live rates, carrier ratings, and product tradeoffs against alternatives in one personalized report.
Sources
- Prosperity Life Group annuities — 2026-06-24
- Prosperity Life Group About Us — 2026-06-24
- AM Best Nov 5 2025 Prosperity Life Group rating action — 2026-06-24
- Prosperity Life Group Sept 5 2025 JAB acquisition update — 2026-06-24
- S.USA Life research packet (Jun 2026) - AM Best Feb 6 2025 + Nov 5 2025 actions, JAB Insurance acquisition release Sept 5 2025, Prosperity Life Group corporate materials — Checked 2026-06-24
- Live product catalog (Prosperity PathPro, PathPro Max, Safe Solution FIAs; Select Choice, Select Choice Plus MYGAs), rates, caps, riders: CANNEX via AdvisorWorld public API — At render