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Fixed Indexed Annuity

Prosperity PathWay 14

S.USA Life Insurance Company, Inc.

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4.75%

Best S&P 500 Annual Cap

10%

Free W/D

20

Available states

Product data status: July 15, 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 PathWay 14 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 15, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$214,873
Est. value at age 80 (Prosperity PathWay 14)
4.75%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 4.75% 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 PathWay 14's published cap rate (4.75% on S&P 500 Index) to a standard benchmark 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 July 15, 2026.

Free Comparison Report

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See how Prosperity PathWay 14 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 PathWay 14

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 15, 2026, based on the latest AdvisorWorld scan of CANNEX data.

S&P 500 annual cap rate

4.75% cap on S&P 500

The longer PathWay FIA filing, curated from its current crediting menu while its exact income-option association is unavailable.

1-year term14-year surrenderDoes not vary by premiumAdvisorWorld + CANNEX data

Best fit

Long-horizon accumulation buyers in an eligible state who want the PathWay strategy menu and do not rely on an unverified payout option.

AM Best

A- Excellent

Surrender period

14 years

Free withdrawal

10%/yr

Availability

20 states (restricted footprint)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

4.75% cap rate

Annual cap

1-year term · 14-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

Growth — 20% allocation

6.25% cap rate

Annual cap

1-year term · 14-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

Balanced — 25% allocation

6.25% cap rate

Annual cap

1-year term · 14-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

Conservative — 30% allocation

6.25% cap rate

Annual cap

1-year term · 14-year surrender · Does not vary by premium

Fixed Account

Fixed Account

2.95% declared rate

Fixed account

1-year term · 14-year surrender · Does not vary by premium

+ 23 additional crediting options (Barclays 3AI, Barclays Tech+, BNP Paribas...)

Lifetime Income Riders

Income rider

GLWB Rider Option 2

Lifetime payout rate4.72% lifetime payout
Annual rider fee1.2% annual rider fee
Guaranteed roll-up10%/yr

Income rider

GLWB Rider Option 3

Lifetime payout rate3.8% lifetime payout
Annual rider fee1.2% annual rider fee
Guaranteed roll-up6.5%/yr

Income rider

GLWB Rider Option 1

Lifetime payout rate3.65% lifetime payout
Guaranteed roll-up4%/yr

Product analyst notes

How to think about this contract

Why it can stand out

  • The valid-state feed publishes an S&P 500 cap alongside several proprietary participation strategies.
  • The longer PathWay chassis is available as a distinct filing rather than being folded into the shorter product.
  • Current crediting values and strategy mechanics are sourced from the exact product filing.

What to confirm

  • Although product metadata flags payout capability, the current exact-source response returns no verified payout option; no lifetime payout is claimed here.
  • The state footprint is limited, so a generic default-state request can return no usable strategy rows.
  • The longer surrender design requires a long holding horizon and can include a market value adjustment on early access.

Not ideal for

Buyers who require a currently verified payout rate, broad state availability, or short surrender exposure.

Free Comparison Report

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See how Prosperity PathWay 14 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 (28 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: 135% · 1-yr

BNP Paribas CMV Commodity 5% VC ER Index

Balanced — 10% allocation · participation

14-yr surrenderDoes not vary by premium

Par: 135% · 1-yr

BNP Paribas CMV Commodity 5% VC ER Index

Conservative — 10% allocation · participation

14-yr surrenderDoes not vary by premium

Par: 130% · 1-yr

BNP Paribas CMV Commodity 5% VC ER Index

participation

14-yr surrenderDoes not vary by premium

Par: 85% · 1-yr

NYSE Market Pillars Index

Growth — 15% allocation · participation

14-yr surrenderDoes not vary by premium

Par: 85% · 1-yr

NYSE Market Pillars Index

Balanced — 20% allocation · participation

14-yr surrenderDoes not vary by premium

Par: 85% · 1-yr

NYSE Market Pillars Index

Conservative — 15% allocation · participation

14-yr surrenderDoes not vary by premium

Par: 80% · 1-yr

NYSE Market Pillars Index

participation

14-yr surrenderDoes not vary by premium

Par: 70% · 1-yr

Barclays 3AI Tilt VC10 Index

Growth — 20% allocation · participation

14-yr surrenderDoes not vary by premium

Par: 70% · 1-yr

Barclays Tech+ Index

Growth — 25% allocation · participation

14-yr surrenderDoes not vary by premium

Par: 70% · 1-yr

Barclays 3AI Tilt VC10 Index

Balanced — 15% allocation · participation

14-yr surrenderDoes not vary by premium

Par: 70% · 1-yr

Barclays Tech+ Index

Balanced — 15% allocation · participation

14-yr surrenderDoes not vary by premium

Par: 70% · 1-yr

Barclays 3AI Tilt VC10 Index

Conservative — 10% allocation · participation

14-yr surrenderDoes not vary by premium

Par: 70% · 1-yr

Barclays Tech+ Index

Conservative — 10% allocation · participation

14-yr surrenderDoes not vary by premium

Par: 65% · 1-yr

Barclays 3AI Tilt VC10 Index

participation

14-yr surrenderDoes not vary by premium

Par: 65% · 1-yr

Barclays Tech+ Index

participation

14-yr surrenderDoes not vary by premium

Par: 60% · 1-yr

BofA U.S. Strength Fast Convergence Index

participation

14-yr surrenderDoes not vary by premium

Par: 50% · 1-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

Growth — 20% allocation · participation

14-yr surrenderDoes not vary by premium

Par: 50% · 1-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

Balanced — 15% allocation · participation

14-yr surrenderDoes not vary by premium

Par: 50% · 1-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

Conservative — 10% allocation · participation

14-yr surrenderDoes not vary by premium

Par: 45% · 1-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

participation

14-yr surrenderDoes not vary by premium

Cap: 6.25% · 1-yr

S&P 500 Index

Growth — 20% allocation · cap

14-yr surrenderDoes not vary by premium

Cap: 6.25% · 1-yr

S&P 500 Index

Balanced — 25% allocation · cap

14-yr surrenderDoes not vary by premium

Cap: 6.25% · 1-yr

S&P 500 Index

Conservative — 30% allocation · cap

14-yr surrenderDoes not vary by premium

Cap: 4.75% · 1-yr

S&P 500 Index

cap

14-yr surrenderDoes not vary by premium

Fixed: 2.95% · 1-yr

Fixed Account

fixed

14-yr surrenderDoes not vary by premium

Rate not shown · 1-yr

Growth

Growth · Allocation model

Does not vary by premium

Rate not shown · 1-yr

Balanced

Balanced · Allocation model

Does not vary by premium

Rate not shown · 1-yr

Conservative

Conservative · Allocation model

Does not vary by premium

Income riders

Income rider

GLWB Rider Option 2

Lifetime withdrawal rate4.72%
Annual rider fee1.2%
Guaranteed roll-up10%/yr

GLWB

Income rider

GLWB Rider Option 1

Lifetime withdrawal rate3.65%
Annual rider feeNot shown
Guaranteed roll-up4%/yr

GLWB

Income rider

GLWB Rider Option 3

Lifetime withdrawal rate3.8%
Annual rider fee1.2%
Guaranteed roll-up6.5%/yr

GLWB

Common questions about Prosperity PathWay 14

● Can I lose money in Prosperity PathWay 14?

A negative index return by itself does not reduce the contract's account value: Prosperity PathWay 14 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.

● Is the GLWB Rider Option 2 income rider worth the 1.2% fee?

It depends on whether you will use the guaranteed income. If you are accumulating only, you can skip it. If you want guaranteed lifetime income later, the 10% roll-up and 4.72% withdrawal rate can make it worthwhile — model it in the Income tab of the analyzer above.

● 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 14 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 PathWay 14's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current Prosperity PathWay 14 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

2

Nursing home 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

14.75%

Yr 2

13.75%

Yr 3

12.75%

Yr 4

11.75%

Yr 5

10.75%

Yr 6

10%

Yr 7

9%

Yr 8

8%

Yr 9

7%

Yr 10

6%

Yr 11

4.5%

Yr 12

4%

Yr 13

3%

Yr 14

2%

After

0%

Nursing home waiver, Terminal illness waiver, Surrender waivers

Documents

Carrier documents not available for this product

Brochures, product guides, or contract disclosures were not returned for this product on this request. Request the state-specific brochure or specimen contract from the carrier before purchase.

Carrier Ratings

AM BestA-

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

Prosperity PathWay 14 currently shows 28 indexed or fixed crediting options, including S&P 500 Index, with 23 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: 4.75% annual cap
  • S&P 500 Index: 6.25% annual cap, Growth — 20% allocation
  • S&P 500 Index: 6.25% annual cap, Balanced — 25% allocation
  • S&P 500 Index: 6.25% annual cap, Conservative — 30% allocation

Income rider language

What to look for before treating the rider as income

GLWB Rider Option 2 is the main income-rider entry returned for this product. Rider terms can affect the tradeoff between future lifetime withdrawals, contract value, beneficiary value, and cost, so the exact state version and rider election should be confirmed before comparing it to annuitization or income-only contracts.

  • 4.72% withdrawal rate
  • 1.2% rider fee

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
  • 14 surrender years
  • Nursing home waiver
  • Terminal illness waiver

Verification note

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

This page uses the current structured product data returned for the contract. 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 PathWay 14 rate report

See how Prosperity PathWay 14 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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