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Fixed Indexed Annuity

Safe Solution

S.USA Life Insurance Company, Inc.

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10.25%

Best S&P 500 Annual Cap

10%

Free W/D

44

Available jurisdictions

Product data status: July 17, 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 Safe Solution 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
$310,636
Est. value at age 80 (Safe Solution)
10.25%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 9.75% 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 Safe Solution's published cap rate (9.75% 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 17, 2026.

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See how Safe Solution 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 Safe Solution

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

10.25% cap on S&P 500

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.

1-year term9-year surrender$100,000+AdvisorWorld + CANNEX data

Best fit

Accumulation-focused buyers who can meet the carrier's minimum-premium threshold, want a streamlined S&P 500-only index choice (cap or trigger) rather than a menu of proprietary volatility-controlled indexes, can lock in a 7-year surrender window, and do not need a contractually guaranteed lifetime income rider.

AM Best

A- Excellent

Surrender options

5, 7, and 9 years

Free withdrawal

10%/yr

Availability

44 jurisdictions (restricted footprint)

Featured crediting strategies

Featured strategies use the selected state's rates. The full listing below labels other CANNEX state-rate variants separately.

Index / strategyRate mechanics

S&P 500

S&P 500 Index

9.25% cap rate

Annual cap

Selected state rate set (TX)

1-year term · 5-year surrender · $100,000+

S&P 500

S&P 500 Index

9% cap rate

Annual cap

Selected state rate set (TX)

1-year term · 5-year surrender · $100,000+

S&P 500

S&P 500 Index

9.75% cap rate

Annual cap

Selected state rate set (TX)

1-year term · 7-year surrender · $100,000+

S&P 500

S&P 500 Index

9.5% cap rate

Annual cap

Selected state rate set (TX)

1-year term · 7-year surrender · $100,000+

S&P 500

S&P 500 Index

10.25% cap rate

Annual cap

Selected state rate set (TX)

1-year term · 9-year surrender · $100,000+

S&P 500

S&P 500 Index

10% cap rate

Annual cap

Selected state rate set (TX)

1-year term · 9-year surrender · $100,000+

S&P 500

S&P 500 Index

7% trigger rate

Performance trigger

Selected state rate set (TX)

1-year term · 5-year surrender · $100,000+

S&P 500

S&P 500 Index

6.75% trigger rate

Performance trigger

Selected state rate set (TX)

1-year term · 5-year surrender · $100,000+

S&P 500

S&P 500 Index

7.25% trigger rate

Performance trigger

Selected state rate set (TX)

1-year term · 7-year surrender · $100,000+

S&P 500

S&P 500 Index

7% trigger rate

Performance trigger

Selected state rate set (TX)

1-year term · 7-year surrender · $100,000+

S&P 500

S&P 500 Index

7.25% trigger rate

Performance trigger

Selected state rate set (TX)

1-year term · 9-year surrender · $100,000+

S&P 500

S&P 500 Index

7% trigger rate

Performance trigger

Selected state rate set (TX)

1-year term · 9-year surrender · $100,000+

Fixed Account

Fixed Account

3.9% declared rate

Fixed account

Selected state rate set (TX)

1-year term · 5-year surrender · $100,000+

Fixed Account

Fixed Account

3.75% declared rate

Fixed account

Selected state rate set (TX)

1-year term · 5-year surrender · $100,000+

Fixed Account

Fixed Account

4.4% declared rate

Fixed account

Selected state rate set (TX)

1-year term · 7-year surrender · $100,000+

Fixed Account

Fixed Account

4.25% declared rate

Fixed account

Selected state rate set (TX)

1-year term · 7-year surrender · $100,000+

Fixed Account

Fixed Account

4.4% declared rate

Fixed account

Selected state rate set (TX)

1-year term · 9-year surrender · $100,000+

Fixed Account

Fixed Account

4.25% declared rate

Fixed account

Selected state rate set (TX)

1-year term · 9-year surrender · $100,000+

Product analyst notes

How to think about this contract

Why it can stand out

  • Strategy menu is intentionally narrow and recognizable — every index option on this contract is the S&P 500 (annual point-to-point cap, and an annual point-to-point trigger strategy with a fixed declared credit at full participation) or a daily-credited fixed account. There are no proprietary volatility-controlled indexes to evaluate.
  • Trigger strategy pays a fixed declared credit in any year the S&P 500 closes positive over the term — a binary mechanic that takes the index move out of the equation as long as the index is up, useful as a structural alternative to a capped strategy on the same index.
  • Surrender period is 7 years — shorter than the 10-year Prosperity PathPro sibling — and the contract publishes an annual free-withdrawal allowance on the page.
  • Carrier financial strength is rated A- (Excellent) by A.M. Best — published on the page rather than left unstated.

What to confirm

  • This contract carries a meaningful minimum-premium threshold per the live feed — this is not a small-deposit product. Buyers below that threshold need a different filing. Confirm the minimum-premium figure on the page before applying.
  • 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.
  • Surrender-period liquidity is limited compared to siblings — the live feed shows no nursing-home, terminal-illness, or RMD surrender-charge waivers on this contract beyond the standard annual free-withdrawal allowance. Plan around the unwaived 7-year surrender 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 simpler strategy lineup on offer.

Not ideal for

Buyers below the contract's minimum-premium threshold, buyers who need a contractually guaranteed lifetime withdrawal rate from a GLWB rider, want exposure to non-S&P indexes inside the same contract, need nursing-home/terminal-illness surrender waivers, 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 Safe Solution 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 strategies)

These are the current crediting strategies available for this product. Use the filters to narrow by index, term, premium band, state rate set, or rate type.

Cap: 9.25% · 1-yr

S&P 500 Index

cap

Selected state rate set (TX)5-yr surrender$100,000+

Trigger: 7% · 1-yr

S&P 500 Index

trigger

Selected state rate set (TX)5-yr surrender$100,000+

Fixed: 3.9% · 1-yr

Fixed Account

fixed

Selected state rate set (TX)5-yr surrender$100,000+

Cap: 9% · 1-yr

S&P 500 Index

cap

Selected state rate set (TX)5-yr surrender$100,000+

Trigger: 6.75% · 1-yr

S&P 500 Index

trigger

Selected state rate set (TX)5-yr surrender$100,000+

Fixed: 3.75% · 1-yr

Fixed Account

fixed

Selected state rate set (TX)5-yr surrender$100,000+

Cap: 9.75% · 1-yr

S&P 500 Index

cap

Selected state rate set (TX)7-yr surrender$100,000+

Trigger: 7.25% · 1-yr

S&P 500 Index

trigger

Selected state rate set (TX)7-yr surrender$100,000+

Fixed: 4.4% · 1-yr

Fixed Account

fixed

Selected state rate set (TX)7-yr surrender$100,000+

Cap: 9.5% · 1-yr

S&P 500 Index

cap

Selected state rate set (TX)7-yr surrender$100,000+

Trigger: 7% · 1-yr

S&P 500 Index

trigger

Selected state rate set (TX)7-yr surrender$100,000+

Fixed: 4.25% · 1-yr

Fixed Account

fixed

Selected state rate set (TX)7-yr surrender$100,000+

Cap: 10.25% · 1-yr

S&P 500 Index

cap

Selected state rate set (TX)9-yr surrender$100,000+

Trigger: 7.25% · 1-yr

S&P 500 Index

trigger

Selected state rate set (TX)9-yr surrender$100,000+

Fixed: 4.4% · 1-yr

Fixed Account

fixed

Selected state rate set (TX)9-yr surrender$100,000+

Cap: 10% · 1-yr

S&P 500 Index

cap

Selected state rate set (TX)9-yr surrender$100,000+

Trigger: 7% · 1-yr

S&P 500 Index

trigger

Selected state rate set (TX)9-yr surrender$100,000+

Fixed: 4.25% · 1-yr

Fixed Account

fixed

Selected state rate set (TX)9-yr surrender$100,000+

Cap: 8% · 1-yr

S&P 500 Index

Point-to-point

Other state rate set 6487Up to $99,999.99

Trigger: 6.25% · 1-yr

S&P 500 Index

Performance trigger

Other state rate set 6487Up to $99,999.99

Fixed: 4.5% · 1-yr

Fixed Account

Fixed account

Other state rate set 6487Up to $99,999.99

Cap: 8.5% · 1-yr

S&P 500 Index

Point-to-point

Other state rate set 6503Up to $99,999.99

Trigger: 6.75% · 1-yr

S&P 500 Index

Performance trigger

Other state rate set 6503Up to $99,999.99

Fixed: 4.75% · 1-yr

Fixed Account

Fixed account

Other state rate set 6503Up to $99,999.99

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.

Linked review

Safe Solution review notes

Explore the Safe Solution Fixed Indexed Annuity by Prosperity Life, combining market-linked growth with principal protection.

4.5/5Read review
Nikhil Bhauwala

Common questions about Safe Solution

● Can I lose money in Safe Solution?

A negative index return by itself does not reduce the contract's account value: Safe Solution 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 7 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 Safe Solution's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current Safe Solution 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.

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.

Declared-rate floor

0.25%

Minimum guaranteed declared rate for declared-rate or performance-trigger strategies.

Fixed account guarantee

1.00%

Guaranteed minimum interest rate for the fixed account.

Participation-rate floor

100.00%

Minimum guaranteed participation rate for participation-rate indexed strategies.

Annuitization options

Single life

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%

Yr 2

8%

Yr 3

7%

Yr 4

6%

Yr 5

5%

Yr 6

4%

Yr 7

3%

After

0%

Documents

brochure

FormS-BROFIAENY17-9-2019-FIA-Consumer-Brochure-_-NY-GENERIC.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

Safe Solution currently shows 15 distinct indexed or fixed crediting choices across 24 displayed rate entries, including S&P 500 Index. 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
  • S&P 500 Index: 9% annual cap
  • S&P 500 Index: 9.75% annual cap
  • S&P 500 Index: 9.5% annual cap

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
  • 7 surrender years

Verification note

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

Carrier materials such as FormS-BROFIAENY17-9-2019-FIA-Consumer-Brochure-_-NY-GENERIC.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 Safe Solution 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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