A.M. Best A- rated · 6 products

S.USA Life Insurance Company, Inc. Annuities — A- Rated

S.USA Life Insurance Company, Inc. is an A.M. Best A--rated annuity carrier. The current lineup includes 6 fixed indexed and multi-year guaranteed annuity products. A current annuity rate highlight is Select Choice Plus at 5.20% rate. Below: current annuity rates, financial-strength ratings, product reviews when available, and the full lineup.

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Current rating

A-

A.M. Best - A-

Annuity products

5 products across FIA and MYGA families

Reviewed

June 9, 2026

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Carrier Snapshot

Basic carrier facts, rating context, and available annuity product families.

Carrier

S.USA Life Insurance Company Inc.

Annuity products

Product types

FIA, MYGA

Product Map

Product pages

3 FIA product pages, 2 MYGA product pages

Product families

Select Choice, Prosperity PathPro, Prosperity PathPro Max, Safe Solution

Product types

FIA, MYGA

State-specific links

No related state-specific page pairs are currently attached

Financial Strength

The current rating view beside the annuity product lineup.

A.M. Best A-

Category: A-

Rating value returned by the current rate feed.

Carrier Profile

About S.USA Life Insurance Company, Inc.

S.USA Life Insurance Company, Inc., founded in 1995 and headquartered in Roanoke, Virginia, is an Arizona‑domiciled life insurer licensed in 48 states plus Washington, D.C. As a subsidiary of Prosperity Life Group, the company leverages the group’s broad geographic footprint and experienced leadership. It offers a wide range of insurance and annuity products—including annuities, protection, and asset accumulation—distributed through banks, independent marketing organizations, managing general agencies, and independent agents.

Financial Strength In Plain English

S.USA Life Insurance Company, Inc. holds strong ratings from A.M. Best, with both its Financial Strength Rating (A‑) and Long-Term Issuer Credit Rating (a‑) categorized as “Excellent.” These were last affirmed but currently remain under review as of February 6, 2025, due to an imminent acquisition by JAB Holding Company, which A.M. Best is monitoring for potential implications. On the other hand, Weiss Ratings assigns S.USA a “C‑” (Weak) as of July 2025, noting weak profitability and past operating losses offset, in part, by solid liquidity and reasonable capitalization. The company’s COMDEX ranking of 56 also reflects a moderate standing among its rated peers.

ARHQ Notes

From Our Coverage

First-party review context and product-page notes, kept separate from current rate data.

Product Highlights

Short notes from product pages.

FIAAccumulationA002XE

Prosperity PathPro

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).

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MYGASafetyA001AV

Select Choice

A multi-year guaranteed annuity from S.USA Life Insurance Company (A.M. Best A-) offering flat declared rates at 3-, 5-, and 7-year terms with a 7-year declining surrender ladder, premium-band-tiered rates that reward larger deposits, and an RMD-only surrender-charge waiver — available in 46 jurisdictions.

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FIAAccumulationA002XG

Prosperity PathPro Max

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.

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Features

Index options, riders, and term choices pulled into one quick scan.