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 July 17, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$150,842
Est. value at age 80 (Prosperity PathPro)
9.25%
Best S&P 500 1-yr point-to-point cap
S&P 500 Engle 14% VT TCA Index (USD) ER — 9.25% Cap (Annual)
✦
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 (9.25% on S&P 500 Engle 14% VT TCA Index (USD) ER) to a calibrated proprietary/volatility-controlled hypothetical index path (~1.9%/yr average, including down years) with a 0% floor over 20 years. Not a projection, quote, or guarantee. Live CANNEX rates as of July 17, 2026.
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.
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 July 17, 2026, from AdvisorWorld and CANNEX.
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 term5-year surrenderDoes not vary by premiumAdvisorWorld + 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 (excl. California, Connecticut, New York, Oregon)
Featured crediting strategies
Caps, participation rates, and declared rates are shown separately.
Index / strategyRate mechanicsCreditingSurrenderPremium
S&P 500
S&P 500 Index
9.25% cap rate
Annual cap
1-year term · 5-year surrender · Does not vary by premium
1-year term
5-year surrender
Does not vary by premium
S&P 500
S&P 500 Index
9.25% cap rate
Annual cap
1-year term · 7-year surrender · Does not vary by premium
1-year term
7-year surrender
Does not vary by premium
S&P 500
S&P 500 Index
9.25% cap rate
Annual cap
1-year term · 10-year surrender · Does not vary by premium
1-year term
10-year surrender
Does not vary by premium
Fixed Account
Fixed Account
4% declared rate
Fixed account
1-year term · 5-year surrender · Does not vary by premium
1-year term
5-year surrender
Does not vary by premium
Fixed Account
Fixed Account
4.25% declared rate
Fixed account
1-year term · 7-year surrender · Does not vary by premium
1-year term
7-year surrender
Does not vary by premium
Fixed Account
Fixed Account
4.5% declared rate
Fixed account
1-year term · 10-year surrender · Does not vary by premium
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.
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.
These are the current crediting strategies available 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 surrenderDoes not vary by premium
Par: 60% · 1-yr
Nasdaq Nexus 12% NC Index
participation
5-yr surrenderDoes not vary by premium
Par: 50% · 1-yr
S&P 500 Engle 14% VT TCA Index (USD) ER
participation
5-yr surrenderDoes not vary by premium
Cap: 9.75% · 1-yr
S&P 500 Engle 14% VT TCA Index (USD) ER
cap
5-yr surrenderDoes not vary by premium
Cap: 9.25% · 1-yr
S&P 500 Index
cap
5-yr surrenderDoes not vary by premium
Fixed: 4% · 1-yr
Fixed Account
fixed
5-yr surrenderDoes not vary by premium
Par: 90% · 2-yr
MSCI USA Balanced FC Index
participation
5-yr surrenderDoes not vary by premium
Par: 80% · 2-yr
Nasdaq Nexus 12% NC Index
participation
5-yr surrenderDoes not vary by premium
Par: 70% · 2-yr
S&P 500 Engle 14% VT TCA Index (USD) ER
participation
5-yr surrenderDoes not vary by premium
Par: 80% · 1-yr
MSCI USA Balanced FC Index
participation
7-yr surrenderDoes not vary by premium
Par: 70% · 1-yr
Nasdaq Nexus 12% NC Index
participation
7-yr surrenderDoes not vary by premium
Par: 60% · 1-yr
S&P 500 Engle 14% VT TCA Index (USD) ER
participation
7-yr surrenderDoes not vary by premium
Cap: 9.25% · 1-yr
S&P 500 Engle 14% VT TCA Index (USD) ER
cap
7-yr surrenderDoes not vary by premium
Fixed: 4.25% · 1-yr
Fixed Account
fixed
7-yr surrenderDoes not vary by premium
Par: 100% · 2-yr
MSCI USA Balanced FC Index
participation
7-yr surrenderDoes not vary by premium
Par: 90% · 2-yr
Nasdaq Nexus 12% NC Index
participation
7-yr surrenderDoes not vary by premium
Par: 80% · 2-yr
S&P 500 Engle 14% VT TCA Index (USD) ER
participation
7-yr surrenderDoes not vary by premium
Par: 90% · 1-yr
MSCI USA Balanced FC Index
participation
10-yr surrenderDoes not vary by premium
Par: 80% · 1-yr
Nasdaq Nexus 12% NC Index
participation
10-yr surrenderDoes not vary by premium
Par: 70% · 1-yr
S&P 500 Engle 14% VT TCA Index (USD) ER
participation
10-yr surrenderDoes not vary by premium
Fixed: 4.5% · 1-yr
Fixed Account
fixed
10-yr surrenderDoes not vary by premium
Par: 110% · 2-yr
MSCI USA Balanced FC Index
participation
10-yr surrenderDoes not vary by premium
Par: 100% · 2-yr
Nasdaq Nexus 12% NC Index
participation
10-yr surrenderDoes not vary by premium
Par: 90% · 2-yr
S&P 500 Engle 14% VT TCA Index (USD) ER
participation
10-yr surrenderDoes not vary by premium
Accumulation profile
Accumulation-focused contract
Current CANNEX information identifies this product as tax-deferred accumulation. Compare cap, participation rate, fees, liquidity, and surrender terms; use a separate payout-focused contract when guaranteed payout mechanics are required.
Common questions about Prosperity PathPro
● Can I lose money in Prosperity PathPro?
A negative index return by itself does not reduce the contract's account value: Prosperity PathPro credits 0% — the floor — for that indexed period. The account value can still decrease from applicable rider fees, Performance Rate Rider or other strategy charges, administrative charges, withdrawals, surrender charges, or other contract-specific deductions. In years with no credited interest, those deductions can reduce the account value. 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 scheduled surrender charges run 10 years; after that the surrender-charge schedule ends. Bonus vesting, market value adjustments when applicable, and other contract rules can still affect the amount available. The Liquidity tab of the analyzer shows the year-by-year surrender charge.
● How do Prosperity PathPro's crediting strategies compare?
Use "Compare against" in the analyzer to overlay another current Prosperity PathPro strategy on the same premium, age, years, and hypothetical index path. The control labels the strategy type, rate, index, and context so caps, participation rates, triggers, spreads, and fixed-account choices are not treated as interchangeable.
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.
Cap-rate floor
1.00%
Minimum guaranteed cap for cap-based indexed strategies.
Fixed account guarantee
1.00%
Guaranteed minimum interest rate for the fixed account.
Participation-rate floor
10.00%
Minimum guaranteed participation rate for participation-rate indexed strategies.
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 indexed or fixed crediting options, 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, renewal terms, and fee-bearing rider variants are different mechanics and should not be ranked as one simple rate list.
S&P 500 Index: 9.25% annual cap
Fixed Account: 4% fixed account rate
Fixed Account: 4.25% fixed account rate
Fixed Account: 4.5% fixed account rate
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
Get a Prosperity PathPro rate report
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.