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Fixed Indexed Annuity

Prosperity PathPro

S.USA Life Insurance Company, Inc.

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9.25%

Best Cap

10%

Free W/D

47

Jurisdictions

Product data status: June 27, 2026

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.

Model this product

See what Prosperity PathPro would do for you

Set your numbers and switch between growth, income, and liquidity. Index losses credit 0% — the floor — so a down market never reduces your value.

Product analyzer
Illustrative — live CANNEX rates as of June 27, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$310,636
Est. value at age 80 (Prosperity PathPro)
0%
Floor — index losses never reduce value
Prosperity PathPro
✦
How crediting works: the cap limits positive index returns; a down year credits 0%, never a loss. A cap strategy tracks the index within its terms. What is a cap vs participation? →
Assumptions: illustrative — applies Prosperity PathPro's published cap rate (9.75% on S&P 500 Engle 14% VT TCA Index (USD) ER) to a hypothetical index path (~5.4%/yr average, including down years) with a 0% floor over 20 years. Not a projection, quote, or guarantee. Live CANNEX rates as of June 27, 2026.

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See how Prosperity PathPro compares for your age, state, premium, and income goals alongside other S.USA Life Insurance Company, Inc. fixed indexed annuity options.

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Live rate data

Run live numbers for Prosperity PathPro

Current rates, riders, crediting strategies, state availability, and contract facts stay scoped to this S.USA Life Insurance Company, Inc. product.

Live product data

Rates as of June 27, 2026, based on the latest AdvisorWorld scan of CANNEX data.

S&P 500 annual cap rate

9.25% cap on S&P 500

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).

1-year termAdvisorWorld + CANNEX data

Best fit

Accumulation-focused buyers who can commit to a ten-year deferral, want a recognizable S&P 500 cap option alongside proprietary participation-rate strategies (including two-year crediting choices), and do not need a contractually guaranteed lifetime income rider.

AM Best

A- Excellent

Surrender options

5, 7, and 10 years

Free withdrawal

10%/yr

Availability

47 jurisdictions

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

9.25% cap rate

1-year term · 5-year surrender · Premium band not shown

S&P 500

S&P 500 Index

9.25% cap rate

1-year term · 7-year surrender · Premium band not shown

S&P 500

S&P 500 Index

9.25% cap rate

1-year term · 10-year surrender · Premium band not shown

Fixed Account

Fixed Account

4% declared rate

1-year term · 5-year surrender · Premium band not shown

Fixed Account

Fixed Account

4.25% declared rate

1-year term · 7-year surrender · Premium band not shown

Fixed Account

Fixed Account

4.5% declared rate

1-year term · 10-year surrender · Premium band not shown

+ 21 additional crediting options (Engle, Nasdaq Nexus, Balanced...)
View rate listings (24 rows)

These are the current crediting strategy listings returned for this product. Use the filters to narrow by index, term, premium band, or rate type.

Par: 70% · 1-yr

MSCI USA Balanced FC Index

participation

5-yr surrender

Par: 60% · 1-yr

Nasdaq Nexus 12% NC Index

participation

5-yr surrender

Par: 50% · 1-yr

S&P 500 Engle 14% VT TCA Index (USD) ER

participation

5-yr surrender

Cap: 9.75% · 1-yr

S&P 500 Engle 14% VT TCA Index (USD) ER

cap

5-yr surrender

Cap: 9.25% · 1-yr

S&P 500 Index

cap

5-yr surrender

Fixed: 4% · 1-yr

Fixed Account

fixed

5-yr surrender

Par: 90% · 2-yr

MSCI USA Balanced FC Index

participation

5-yr surrender

Par: 80% · 2-yr

Nasdaq Nexus 12% NC Index

participation

5-yr surrender

Par: 70% · 2-yr

S&P 500 Engle 14% VT TCA Index (USD) ER

participation

5-yr surrender

Par: 80% · 1-yr

MSCI USA Balanced FC Index

participation

7-yr surrender

Par: 70% · 1-yr

Nasdaq Nexus 12% NC Index

participation

7-yr surrender

Par: 60% · 1-yr

S&P 500 Engle 14% VT TCA Index (USD) ER

participation

7-yr surrender

Cap: 9.25% · 1-yr

S&P 500 Engle 14% VT TCA Index (USD) ER

cap

7-yr surrender

Fixed: 4.25% · 1-yr

Fixed Account

fixed

7-yr surrender

Par: 100% · 2-yr

MSCI USA Balanced FC Index

participation

7-yr surrender

Par: 90% · 2-yr

Nasdaq Nexus 12% NC Index

participation

7-yr surrender

Par: 80% · 2-yr

S&P 500 Engle 14% VT TCA Index (USD) ER

participation

7-yr surrender

Par: 90% · 1-yr

MSCI USA Balanced FC Index

participation

10-yr surrender

Par: 80% · 1-yr

Nasdaq Nexus 12% NC Index

participation

10-yr surrender

Par: 70% · 1-yr

S&P 500 Engle 14% VT TCA Index (USD) ER

participation

10-yr surrender

Fixed: 4.5% · 1-yr

Fixed Account

fixed

10-yr surrender

Par: 110% · 2-yr

MSCI USA Balanced FC Index

participation

10-yr surrender

Par: 100% · 2-yr

Nasdaq Nexus 12% NC Index

participation

10-yr surrender

Par: 90% · 2-yr

S&P 500 Engle 14% VT TCA Index (USD) ER

participation

10-yr surrender

Product analyst notes

How to think about this contract

Why it can stand out

  • Crediting menu pairs a recognizable S&P 500 annual point-to-point cap option with proprietary participation-rate indexes (S&P 500 Engle VT, Nasdaq Nexus NC, MSCI USA Balanced FC), so buyers can hold a like-for-like S&P comparison option alongside the higher-participation volatility-controlled strategies in the same contract.
  • Two-year participation strategies are offered alongside the one-year strategies on every proprietary index, so a buyer who can tolerate the longer crediting window can elect a higher participation rate without leaving the contract.
  • Surrender-period liquidity is supported by three waivers — nursing-home, terminal-illness, and RMD — and an annual free-withdrawal allowance, all visible on this page rather than gated behind a sales brochure.
  • Carrier financial strength is rated A- (Excellent) by A.M. Best — a mid-tier rating that is published on the page rather than left unstated.

What to confirm

  • This is NOT a guaranteed-lifetime-withdrawal product. The live feed shows no income riders attached. Do not compare its strategy rates side-by-side with a rider-led GLWB product without accounting for the structural difference — an FIA without a rider is built for accumulation, not for a contractual lifetime payout.
  • Several of the index options are proprietary, volatility-controlled indexes (S&P 500 Engle VT TCA, Nasdaq Nexus NC, MSCI USA Balanced FC). Their participation rates can look high in absolute terms but are not directly comparable to an S&P 500 cap — evaluate each on its own merits and its own back-tested behavior.
  • Surrender period runs a full ten years, so this contract assumes the buyer can leave the principal locked beyond the annual free-withdrawal allowance for the duration of the schedule.
  • Carrier financial strength is rated A- by A.M. Best — solid but a notch below the A / A+ ratings several larger carriers carry. Buyers who prioritize the highest-tier financial strength view should weigh that against the strategy lineup on offer.

Not ideal for

Buyers who need a contractually guaranteed lifetime withdrawal rate from a GLWB rider, want short-surrender liquidity, prefer a simple MYGA-style declared rate, or want the highest-tier A++ financial-strength view — none of those are what this contract is structured to deliver.

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See how Prosperity PathPro compares for your age, state, premium, and income goals alongside other S.USA Life Insurance Company, Inc. fixed indexed annuity options.

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All crediting strategies

View rate listings (24 rows)

These are the current crediting strategy listings returned for this product. Use the filters to narrow by index, term, premium band, or rate type.

Par: 70% · 1-yr

MSCI USA Balanced FC Index

participation

5-yr surrender

Par: 60% · 1-yr

Nasdaq Nexus 12% NC Index

participation

5-yr surrender

Par: 50% · 1-yr

S&P 500 Engle 14% VT TCA Index (USD) ER

participation

5-yr surrender

Cap: 9.75% · 1-yr

S&P 500 Engle 14% VT TCA Index (USD) ER

cap

5-yr surrender

Cap: 9.25% · 1-yr

S&P 500 Index

cap

5-yr surrender

Fixed: 4% · 1-yr

Fixed Account

fixed

5-yr surrender

Par: 90% · 2-yr

MSCI USA Balanced FC Index

participation

5-yr surrender

Par: 80% · 2-yr

Nasdaq Nexus 12% NC Index

participation

5-yr surrender

Par: 70% · 2-yr

S&P 500 Engle 14% VT TCA Index (USD) ER

participation

5-yr surrender

Par: 80% · 1-yr

MSCI USA Balanced FC Index

participation

7-yr surrender

Par: 70% · 1-yr

Nasdaq Nexus 12% NC Index

participation

7-yr surrender

Par: 60% · 1-yr

S&P 500 Engle 14% VT TCA Index (USD) ER

participation

7-yr surrender

Cap: 9.25% · 1-yr

S&P 500 Engle 14% VT TCA Index (USD) ER

cap

7-yr surrender

Fixed: 4.25% · 1-yr

Fixed Account

fixed

7-yr surrender

Par: 100% · 2-yr

MSCI USA Balanced FC Index

participation

7-yr surrender

Par: 90% · 2-yr

Nasdaq Nexus 12% NC Index

participation

7-yr surrender

Par: 80% · 2-yr

S&P 500 Engle 14% VT TCA Index (USD) ER

participation

7-yr surrender

Par: 90% · 1-yr

MSCI USA Balanced FC Index

participation

10-yr surrender

Par: 80% · 1-yr

Nasdaq Nexus 12% NC Index

participation

10-yr surrender

Par: 70% · 1-yr

S&P 500 Engle 14% VT TCA Index (USD) ER

participation

10-yr surrender

Fixed: 4.5% · 1-yr

Fixed Account

fixed

10-yr surrender

Par: 110% · 2-yr

MSCI USA Balanced FC Index

participation

10-yr surrender

Par: 100% · 2-yr

Nasdaq Nexus 12% NC Index

participation

10-yr surrender

Par: 90% · 2-yr

S&P 500 Engle 14% VT TCA Index (USD) ER

participation

10-yr surrender

Income riders

Accumulation-focused — no income rider

This contract is designed for tax-deferred accumulation, not guaranteed lifetime income. No GLWB rider was returned because none is part of the contract design — compare against other accumulation FIAs on cap, participation rate, and surrender terms rather than lifetime income.

Common questions about Prosperity PathPro

● Can I lose money in Prosperity PathPro?

In a year the index falls, Prosperity PathPro credits 0% — the floor — so your account value does not drop from market losses. Up to 10% of your value can be withdrawn each year without a charge; withdrawals above the penalty-free amount during the surrender period can incur a surrender charge.

● When can I access my money without a surrender charge?

Up to 10% of your account value each year is penalty-free. The surrender period runs 10 years; after that you reach full liquidity. The Liquidity tab of the analyzer shows the year-by-year surrender charge.

● How does Prosperity PathPro compare to other FIAs?

Use "Compare against" in the analyzer to overlay Prosperity PathPro with a competing product on the same growth path and see a side-by-side spec row. The better fit depends on your goal — accumulation, income, or liquidity — and the comparison shows where each product leads.

Key Features

Free withdrawal

10%/yr

Annual amount that may be available without surrender charges, subject to contract terms.

Surrender waivers

3

Nursing home waiver, RMD waiver, Terminal illness waiver

Death benefit

Standard Death Benefit

Beneficiary value depends on contract terms, withdrawals, and rider elections.

Strategy guarantee

Minimum guaranteed cap: 1.00%

Strategy guarantee

Guaranteed minimum interest rate (fixed): 1.00%

Strategy guarantee

Minimum guaranteed participation: 10.00%

Annuitization options

Single and joint

Contract conversion options should be confirmed before purchase.

Fund types

Non-qualified, Qualified

Availability can vary by state and product terms.

Surrender schedule

Yr 1

9.25%

Yr 2

9.25%

Yr 3

8.25%

Yr 4

7.25%

Yr 5

6.25%

Yr 6

5.25%

Yr 7

4.25%

Yr 8

3%

Yr 9

2%

Yr 10

1%

After

0%

Nursing home waiver, RMD waiver, Terminal illness waiver, Surrender waivers

Documents

brochure

PLGM-2502-PP_Prosperity-PathPro-Series-CDB.pdf

Confidence: highReviewed Apr 8, 2026

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

Carrier Ratings

AM BestA-

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

Prosperity PathPro currently shows 24 distinct indexed or fixed crediting choices across 27 current rate listings, including S&P 500 Index and Fixed Account, with 20 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, and renewal terms are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 9.25% cap
  • Fixed Account: 4% fixed
  • Fixed Account: 4.25% fixed

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
  • Nursing home waiver
  • RMD waiver
  • Terminal illness waiver

Verification note

Use carrier materials as term evidence, then confirm the current version

Carrier materials such as PLGM-2502-PP_Prosperity-PathPro-Series-CDB.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 24, 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

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See how Prosperity PathPro compares for your age, state, premium, and income goals alongside other S.USA Life Insurance Company, Inc. fixed indexed annuity options.

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