Fixed index annuity review and rates

PruSecure 7

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
3.7% Fixed
1-Year S&P 500 PTP Participation Rate
Point to Point
Annual
40% Participation
1-Year MSCI EAFE PTP Participation Rate
Point to Point
Annual
40% Participation
3-Year MSCI EAFE PTP Participation Rate
Point to Point
Triennial
45% Participation
1-Year Dow Jones U.S. Real Estate PTP Cap
Point to Point
Annual
8.8% Cap
1-Year Bloomberg Commodity PTP Cap
Point to Point
Annual
10.05% Cap
3-Year S&P 500 PTP Participation Rate
Point to Point
Triennial
45% Participation
3-Year S&P 500 PTP Cap
Point to Point
Triennial
28% Cap
3-Year MSCI EAFE PTP Cap
Point to Point
Triennial
28% Cap
3-Year Dow Jones U.S. Real Estate PTP Cap
Point to Point
Triennial
28% Cap
3-Year Bloomberg Commodity PTP Cap
Point to Point
Triennial
33% Cap
5-Year S&P 500 PTP Participation Rate
Point to Point
5-Year
70% Participation
5-Year S&P 500 PTP Cap
Point to Point
5-Year
57% Cap
1-Year S&P 500 PTP Cap
Point to Point
Annual
8.8% Cap
1-Year MSCI EAFE PTP Cap
Point to Point
Annual
8.8% Cap
1-Year Dow Jones U.S. Real Estate PTP Participation Rate
Point to Point
Annual
40% Participation
1-Year Bloomberg Commodity PTP Participation Rate
Point to Point
Annual
40% Participation
5-Year MSCI EAFE PTP Cap
Point to Point
5-Year
57% Cap
3-Year Dow Jones U.S. Real Estate PTP Participation Rate
Point to Point
Triennial
45% Participation
3-Year Bloomberg Commodity PTP Participation Rate
Point to Point
Triennial
45% Participation
5-Year MSCI EAFE PTP Participation Rate
Point to Point
5-Year
70% Participation
1-Year Fixed Account
Fixed
4.2% Fixed
3-Year Bloomberg Commodity PTP Participation Rate
Point to Point
Triennial
65% Participation
5-Year S&P 500 PTP Cap
Point to Point
5-Year
75% Cap
5-Year MSCI EAFE PTP Participation Rate
Point to Point
5-Year
80% Participation
3-Year Dow Jones U.S. Real Estate PTP Participation Rate
Point to Point
Triennial
65% Participation
1-Year Dow Jones U.S. Real Estate PTP Participation Rate
Point to Point
Annual
50% Participation
1-Year Bloomberg Commodity PTP Participation Rate
Point to Point
Annual
50% Participation
5-Year S&P 500 PTP Participation Rate
Point to Point
5-Year
80% Participation
1-Year S&P 500 PTP Participation Rate
Point to Point
Annual
50% Participation
1-Year MSCI EAFE PTP Participation Rate
Point to Point
Annual
50% Participation
1-Year Dow Jones U.S. Real Estate PTP Cap
Point to Point
Annual
10.05% Cap
1-Year Bloomberg Commodity PTP Cap
Point to Point
Annual
11.3% Cap
3-Year S&P 500 PTP Cap
Point to Point
Triennial
32% Cap
3-Year MSCI EAFE PTP Cap
Point to Point
Triennial
32% Cap
3-Year Dow Jones U.S. Real Estate PTP Cap
Point to Point
Triennial
32% Cap
3-Year Bloomberg Commodity PTP Cap
Point to Point
Triennial
37% Cap
3-Year S&P 500 PTP Participation Rate
Point to Point
Triennial
65% Participation
5-Year MSCI EAFE PTP Cap
Point to Point
5-Year
75% Cap
1-Year MSCI EAFE PTP Cap
Point to Point
Annual
10.05% Cap
1-Year S&P 500 PTP Cap
Point to Point
Annual
10.05% Cap
3-Year MSCI EAFE PTP Participation Rate
Point to Point
Triennial
65% Participation

Surrender schedule

Year 1 2 3 4 5 6 7
Penalty 9% 9% 8% 7% 6% 5% 4%
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
7 years
Return of premium
Market value adjustment
Minimum contribution
$10,000
Types of funds
Non-Qualified, IRA, IRA-Roth, NQ Stretch, and TSP