Pruco Life Insurance Company
5.0
based on complex data
Annuity Educator Rating
Annuity review

SurePath Income

The SurePath Income Annuity is excellent if you're yearning for a worry-free retirement. It provides reliable income, just like clockwork, designed to last throughout your golden years.

With its great returns, you'll enjoy peace of mind knowing your future is secure. SurePath puts you on the sure path to a happy, financially sound retirement.

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SurePath Income

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About Product

Type
Fixed Index
Purpose
Lifetime Income
Term
10 Years
Surrender schedule
10%
9%
8%
7%
6%
5%
4%
3%
2%
1%
Fee withdrawal:
10%
Market Value Adjustment
Yes
Return Of Premium
No
Minimum Contribution
$25,000
Maximum Contribution
$1,000,000
Max Age Qualified
85
Types Of Funds
Non-Qualified, IRA, IRA Rollover, IRA Transfer, SEP IRA, IRA-Roth, 1035 Exchange, NQ Stretch, and TSP
Launch Date
07/15/2019
SurePath Income Fixed Indexed Annuity offers your clients guaranteed lifetime income, and principal protection from market declines with growth opportunities.
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% Fixed
1-Year S&P 500 PTP Participation Rate
Point to Point
Annual
20% Participation
1-Year S&P 500 PTP Cap
Point to Point
Annual
4% Cap
1-Year MSCI EAFE PTP Participation Rate
Point to Point
Annual
20% Participation
1-Year MSCI EAFE PTP Cap
Point to Point
Annual
4% Cap
1-Year Goldman Sachs Voyager PTP Participation Rate
Point to Point
Annual
105% Participation
3-Year Goldman Sachs Voyager PTP Participation Rate
Point to Point
Triennial
135% Participation
3-Year MSCI EAFE PTP Participation Rate
Point to Point
Triennial
30% Participation
3-Year S&P 500 PTP Participation Rate
Point to Point
Triennial
30% Participation
3-Year S&P 500 PTP Cap
Point to Point
Triennial
15% Cap
3-Year MSCI EAFE PTP Cap
Point to Point
Triennial
15% Cap

Surrender schedule

Year 1 2 3 4 5 6 7 8 9 10
Penalty 10% 9% 8% 7% 6% 5% 4% 3% 2% 1%

Hypothetical Projection

Comparison against S&P 500 using current rates
indexed chart
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Riders

Name Inbuilt Fee
SurePath Income Rider Yes 1.00% annually (2.50% max)

Waivers

Death

The MVA and Surrender Charge do not apply tothe Death Benefit.

Terminal Illness

Unavailable in states: CA

The MVA and Surrender Charge do not apply to a Withdrawal or Surrender taken as a Medically Related Surrender where the Owner (or Annuitant if your Prudential SurePath annuity is owned by an entity) is diagnosed with a terminal illness or confined to a Medical Care Facility for 90 consecutive days (subject to regulatory approval).

Premium Notes

The Goldman Sachs Voyager Index includes an annual 0.50% index fee, which accrues daily, meaning that a small portion of the fee is removed from the Index each day. The index fee is included in order to account for index rebalancing, maintenance and hedging and transaction costs.

Note: TSP funds have to be rolled into an IRA.

Withdrawal Provisions

Free withdrawals In the first contract year, you may withdraw up to 10% of the total premium, without incurring Surrender Charges or a Market Value Adjustment (MVA). After the first contract year, you may withdraw up to 10% of the Account Value (based on the previous contract anniversary, after all index/ interest credits are applied) without Surrender Charges or an MVA. 

Company Founded: 1971
TOP Rated Company
Pruco Life Insurance Company
Company Ratings
4.7
  • A.M. Best A+
  • Fitch AA-
  • S&P AA-
  • Moody's Aa3
  • Comdex 94
Assets: $40,806,582,583
Arizona

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