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 these annuity contracts.
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 available values for your premium, age, state, and timing, and leaves out details that are not published for that selection.
Income FIAs
Selected product: Prosperity Pathway 10
An income-focused fixed indexed annuity group for comparing rider-driven lifetime-income scenarios.
Other current products
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Explore S.USA Life products
Known S.USA Life product pages, grouped by what each product group is built to do. Confirm current rates and availability in the analyzer or on the product page.
Fixed Index Annuity - Growth
Index-linked annuities built for protected growth, with product pages for checking caps, participation rates, and fixed-account options.
- Growth-oriented FIAs grouped by accumulation purpose
- Individual product pages are the place to check rates, terms, riders, and disclosures
Best for: Buyers comparing principal-protected growth potential before checking a product page for current strategy details.
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).
Comparable FIA metric
Cap, participation, and trigger rates vary by state and strategy - view product for live rates.
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.
Comparable FIA metric
Cap, participation, and trigger rates vary by state and strategy - view product for live rates.
Prosperity Pathway 14
The longer PathWay FIA filing, curated from its current crediting menu while its exact income-option association is unavailable.
Comparable FIA metric
Cap, participation, and trigger rates vary by state and strategy - view product for live rates.
Safe Solution
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.
Comparable FIA metric
Cap, participation, and trigger rates vary by state and strategy - view product for live rates.
This directory is not a statement of current availability. Confirm current rates, state availability, premium bands, and rider terms in the analyzer or on each product page.
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Compare S.USA Life's live rates, carrier ratings, and product tradeoffs against alternatives in one personalized report.
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 · Prosperity Life Group — About Us
S.USA Life is the legal issuing entity for these annuities. Prosperity Life Group is the broader marketing brand, while S.USA Life Insurance Company, Inc. is the underwriting company responsible for its contractual obligations.
Checked 2026-06-24 · AnnuityRatesHQ carrier research, June 2026
Buyers can compare Prosperity PathPro Max and Prosperity PathPro, along with Select Choice Fixed Annuities, in S.USA Life's annuity lineup.
Verified July 2026 · CANNEX Financial Exchanges via AdvisorWorld
Scale, labeled
Domicile
Arizona
Arizona domestic insurer headquartered in Roanoke, Virginia.
Checked 2026-06-24 · 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 · 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 · JAB Insurance acquisition announcement, September 2025
A.M. Best
A- (Excellent)
A- Financial Strength Rating / a- Issuer Credit Rating, affirmed Nov 5, 2025, stable outlooks.
Affirmed Nov 5, 2025 · AM Best rating actions, 2025
History highlights
S.USA Life Insurance Company is commonly reported by industry sources as founded in 1995.
Founded 1995 (third-party) · AnnuityRatesHQ carrier research, June 2026
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 · 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 · JAB Insurance acquisition announcement, September 2025; AM Best rating actions, 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 · 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 · JAB Insurance acquisition announcement, September 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 · JAB Insurance acquisition announcement, September 2025
Financial strength
AM Best
A-
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&P Global
A-
Strong capacity to meet financial commitments; referenced at the Prosperity group level for operating subsidiaries.
Checked 2026-06-24
What makes S.USA Life different
The issuing carrier behind the Prosperity shelf
Prosperity Life Group is the recognizable brand, but S.USA Life Insurance Company, Inc. is the legal entity that issues these annuity contracts and is responsible for their guarantees.
Checked 2026-06-24 · AnnuityRatesHQ carrier research, June 2026
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 · AM Best rating actions, 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 · JAB Insurance acquisition announcement, September 2025
Focused protected-accumulation lineup
The lineup 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.
Verified July 2026 · CANNEX Financial Exchanges 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 issues fixed indexed and multi-year guaranteed annuities for retirement accumulation and principal protection.
Checked 2026-06-24 · 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 · JAB Insurance acquisition announcement, September 2025; AM Best rating actions, 2025
S.USA Life combines Prosperity PathPro and Safe Solution FIAs with Select Choice fixed annuities, all issued under the S.USA legal entity.
Verified July 2026 · CANNEX Financial Exchanges 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
- AnnuityRatesHQ carrier research, June 2026 — Checked 2026-06-24
- Live product catalog (Prosperity PathPro, PathPro Max, Safe Solution FIAs; Select Choice, Select Choice Plus MYGAs), rates, caps, riders: CANNEX Financial Exchanges via AdvisorWorld — Verified July 2026