Fixed index annuity review and rates

PruSecure 5

The Prudential PruSecure Fixed Indexed Annuity is a single premium, long-term contract designed to help you secure your financial future. In return for your premium payment, you receive certain benefits. PruSecure is designed to protect you from loss. It also gives you the opportunity to grow your account value without exposure to the unpredictable ups and downs of the stock market. 
Available in states: AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY

Allocation Accounts

Name Type Rates
1-Year Fixed Account
Fixed
3.65% Fixed
1-Year S&P 500 PTP Participation Rate
Point to Point
Annual
35% Participation
1-Year MSCI EAFE PTP Participation Rate
Point to Point
Annual
35% Participation
3-Year MSCI EAFE PTP Participation Rate
Point to Point
Triennial
40% Participation
1-Year Dow Jones U.S. Real Estate PTP Cap
Point to Point
Annual
8.75% Cap
1-Year Bloomberg Commodity PTP Cap
Point to Point
Annual
10% Cap
3-Year S&P 500 PTP Participation Rate
Point to Point
Triennial
40% Participation
3-Year S&P 500 PTP Cap
Point to Point
Triennial
26% Cap
3-Year MSCI EAFE PTP Cap
Point to Point
Triennial
26% Cap
3-Year Dow Jones U.S. Real Estate PTP Cap
Point to Point
Triennial
26% Cap
3-Year Bloomberg Commodity PTP Cap
Point to Point
Triennial
31% Cap
5-Year S&P 500 PTP Participation Rate
Point to Point
5-Year
65% Participation
5-Year S&P 500 PTP Cap
Point to Point
5-Year
52% Cap
1-Year S&P 500 PTP Cap
Point to Point
Annual
8.75% Cap
1-Year MSCI EAFE PTP Cap
Point to Point
Annual
8.75% Cap
1-Year Dow Jones U.S. Real Estate PTP Participation Rate
Point to Point
Annual
35% Participation
1-Year Bloomberg Commodity PTP Participation Rate
Point to Point
Annual
35% Participation
5-Year MSCI EAFE PTP Cap
Point to Point
5-Year
52% Cap
3-Year Dow Jones U.S. Real Estate PTP Participation Rate
Point to Point
Triennial
40% Participation
3-Year Bloomberg Commodity PTP Participation Rate
Point to Point
Triennial
40% Participation
5-Year MSCI EAFE PTP Participation Rate
Point to Point
5-Year
65% Participation
1-Year Fixed Account
Fixed
4.15% Fixed
3-Year Bloomberg Commodity PTP Participation Rate
Point to Point
Triennial
50% Participation
5-Year S&P 500 PTP Cap
Point to Point
5-Year
70% Cap
5-Year MSCI EAFE PTP Participation Rate
Point to Point
5-Year
75% Participation
3-Year Dow Jones U.S. Real Estate PTP Participation Rate
Point to Point
Triennial
50% Participation
1-Year Dow Jones U.S. Real Estate PTP Participation Rate
Point to Point
Annual
45% Participation
1-Year Bloomberg Commodity PTP Participation Rate
Point to Point
Annual
45% Participation
5-Year S&P 500 PTP Participation Rate
Point to Point
5-Year
75% Participation
1-Year S&P 500 PTP Participation Rate
Point to Point
Annual
45% Participation
1-Year MSCI EAFE PTP Participation Rate
Point to Point
Annual
45% Participation
1-Year Dow Jones U.S. Real Estate PTP Cap
Point to Point
Annual
10% Cap
1-Year Bloomberg Commodity PTP Cap
Point to Point
Annual
11.25% Cap
3-Year S&P 500 PTP Cap
Point to Point
Triennial
31% Cap
3-Year MSCI EAFE PTP Cap
Point to Point
Triennial
31% Cap
3-Year Dow Jones U.S. Real Estate PTP Cap
Point to Point
Triennial
31% Cap
3-Year Bloomberg Commodity PTP Cap
Point to Point
Triennial
36% Cap
3-Year S&P 500 PTP Participation Rate
Point to Point
Triennial
50% Participation
5-Year MSCI EAFE PTP Cap
Point to Point
5-Year
70% Cap
1-Year MSCI EAFE PTP Cap
Point to Point
Annual
10% Cap
1-Year S&P 500 PTP Cap
Point to Point
Annual
10% Cap
3-Year MSCI EAFE PTP Participation Rate
Point to Point
Triennial
50% Participation

Surrender schedule

Year 1 2 3 4 5
Penalty 9% 9% 8% 7% 6%
Prudential Insurance Company of America (pending approval)
Founded: 1875
A.M. Best: A+
Fitch: AA-
S&P: A+
Moody's: Aa3
Carrier details
Free withdrawal
1st year: 0%
2nd+ year: 10%
Surrender schedule
5 years
Return of premium
Market value adjustment
Minimum contribution
$10,000
Types of funds
Non-Qualified, IRA, IRA-Roth, NQ Stretch, and TSP