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Prosperity PathWay Max 10

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Retire At

About Product

Type

Fixed Index

Purpose

Lifetime Income

Premium Bonus

Term

10 Years

Surrender schedule

9.25%

8.25%

7.25%

6.25%

5.25%

4.25%

Fee withdrawal:

10%

Market Value Adjustment

Yes

Return Of Premium

Minimum Contribution

$20,000

Maximum Contribution

$1,000,000

Max Age Qualified

Types Of Funds

Non-Qualified, 401k, Traditional IRA, Pension, IRA Rollover, 401a, IRA Transfer, TSA 403b, SEP IRA, KEOGH, IRA-Roth, SIMPLE IRA, 457 plan, 1035 Exchange, Inherited IRA, and TSP

Launch Date

06/15/2026

Prosperity PathWay Max is a Flexible Premium Fixed Indexed Annuity (FIA) designed to help keep your hard-earned savings safe from market volatility and downturns while also offering the potential to grow. Additional premium payments are accepted during the first Contract Year, and the product provides interest crediting based on multiple indices along with an optional income stream that can help you meet your future retirement needs with confidence.

Guaranteed Lifetime Withdrawal Benefit (GLWB) Rider

An optional Guaranteed Lifetime Withdrawal Benefit (GLWB) Rider provides an income stream via Withdrawal Benefit Payments for the lifetime of the Owner or Spouse, if applicable. The Rider is included with the Contract, and clients must select one of three GLWB rider options based on their financial goals. The Annual Rider Charge and the Roll-Up Period vary by the GLWB rider option chosen.

Strategy / Account Options

Contract Owners may build their growth strategy by choosing between Preset Allocation Options and Custom Allocation Options; all allocations must be in whole numbers and total 100%, and the preset and custom options cannot be combined. Available index strategies include the S&P 500, Barclays 3AI Tilt VC10, Barclays Tech+, S&P 500 Dynamic Intraday TCA, NYSE Market Pillars, BNP Paribas CMV Commodity 5% VC ER, and BofA US Strength Fast Convergence, along with a Fixed Interest Account. Each index strategy is credited using a cap rate or participation rate based on index performance, with a floor that protects against negative index returns.

Available in states: AL, AK, AZ, AR, CO, DE, DC, FL, GA, HI, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY

Allocation Accounts

Name	Type	Rates
1-Year Barclays 3Al Tilt VC10 PTP Participation Rate 15% Balanced Preset	Blend Annual	45% Participation
1-Year S&P 500 PTP Cap 30% Conservative Preset	Blend Annual	4.25% Cap
1-Year BNP Paribas CMV Commodity 5% VC ER PTP Participation Rate 10% Conservative Preset	Blend Annual	85% Participation
1-Year NYSE Market Pillars PTP Participation Rate 15% Conservative Preset	Blend Annual	50% Participation
1-Year S&P 500 Dynamic Intraday TCA PTP Participation Rate 10% Conservative Preset	Blend Annual	30% Participation
1-Year Barclays Tech+ PTP Participation Rate 10% Conservative Preset	Blend Annual	45% Participation
1-Year Barclays 3Al Tilt VC10 PTP Participation Rate 10% Conservative Preset	Blend Annual	45% Participation
1-Year Fixed Account 15% Conservative Preset	Blend	2.05% Fixed
1-Year BNP Paribas CMV Commodity 5% VC ER PTP Participation Rate 10% Balanced Preset	Blend Annual	85% Participation
1-Year S&P 500 PTP Cap 25% Balanced Preset	Blend Annual	4.25% Cap
1-Year NYSE Market Pillars PTP Participation Rate 20% Balanced Preset	Blend Annual	50% Participation
1-Year S&P 500 Dynamic Intraday TCA PTP Participation Rate 15% Balanced Preset	Blend Annual	30% Participation
1-Year Barclays Tech+ PTP Participation Rate 15% Balanced Preset	Blend Annual	45% Participation
1-Year S&P 500 Dynamic Intraday TCA PTP Participation Rate 20% Growth Preset	Blend Annual	30% Participation
1-Year NYSE Market Pillars PTP Participation Rate 15% Growth Preset	Blend Annual	50% Participation
1-Year Barclays Tech+ PTP Participation Rate 25% Growth Preset	Blend Annual	45% Participation
1-Year Barclays 3Al Tilt VC10 PTP Participation Rate 20% Growth Preset	Blend Annual	45% Participation
1-Year S&P 500 PTP Cap 20% Growth Preset	Blend Annual	4.25% Cap
1-Year Fixed Account	Fixed	1.85% Fixed
1-Year NYSE Market Pillars PTP Participation Rate	Point to Point Annual	45% Participation
1-Year BofA US Strength Fast Convergence PTP Participation Rate	Point to Point Annual	35% Participation
1-Year S&P 500 Dynamic Intraday TCA PTP Participation Rate	Point to Point Annual	25% Participation
1-Year BNP Paribas CMV Commodity 5% VC ER PTP Participation Rate	Point to Point Annual	80% Participation
1-Year Barclays Tech+ PTP Participation Rate	Point to Point Annual	40% Participation
1-Year Barclays 3Al Tilt VC10 PTP Participation Rate	Point to Point Annual	40% Participation
1-Year S&P 500 PTP Cap	Point to Point Annual	2.75% Cap

Surrender schedule

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

Riders

Name	Inbuilt	Fee
Prosperity PathWay Max GLWB Rider Option 1	Yes
Prosperity PathWay Max GLWB Rider Option 2	Yes	1.20% annually
Prosperity PathWay Max GLWB Rider Option 3	Yes	1.20% annually

Waivers

Death

Paid to the beneficiary without deducting for a Withdrawal Charge, Premium Bonus Recapture, or MVA, if applicable.

Terminal Illness

If the Contract Owner is diagnosed with a Terminal Illness while this Contract is in force, he/she may withdraw up to 100% of the Accumulation Value without incurring an MVA, Withdrawal Charge, or Premium Bonus Recapture. To exercise this waiver, proof from a physician will be required.

Confinement

If the Contract Owner is confined to a long-term care facility, intermediate nursing facility, skilled nursing facility, or hospital due to injury or sickness, that person may withdraw up to 100% of the Accumulation Value without incurring an MVA, Withdrawal Charge, or Premium Bonus Recapture (if applicable) as long as the Confinement has lasted for 90 consecutive days. Available for all issue ages. Proof of Confinement will be required.

RMD

If your contract is a qualified retirement account, you may be required to take Required Minimum Distributions annually. These required withdrawals can be taken without Withdrawal Charges, Premium Bonus Recapture or MVA, even if they exceed the standard penalty-free amount.

Premium Notes

Initial Premium

Minimum: $20,000.
Maximum: $1,000,000. Premiums that exceed $1,000,000 require Home Office approval. Please contact Prosperity Life Group.

Additional Premiums

Additional Premium Payments are accepted for the first Contract Year. Any additional Premium Payments received will be allocated to the Fixed Interest Account. The minimum Additional Premium Payment is $5,000.
Initial Premium plus Additional Premium Payments may not exceed $1,000,000 in cumulative premium unless prior approval is received from the Home Office.

Withdrawal Provisions

Market Value Adjustment (MVA)An MVA may apply if you take out more than the Penalty-Free Withdrawal allows amount or surrender your contract during the early years. It is based on the movement of Constant Maturity Treasury Rates. An MVA does not apply to Penalty-Free withdrawals, income payments received under the GLWB rider, a death benefit paid to your beneficiaries, or partial withdrawals after the conclusion of the Withdrawal Charge Period.Penalty-Free Withdrawal (PFW) Starting in the second year of your contract, you can withdraw up to 10% of your Accumulation Value each Contract Year without withdrawal charges, MVA, Premium Bonus Recapture. Any unused amount does not carry over to future years.While the 10% PFW is an important feature when addressing liquidity needs prior to taking income under the GLWB, it may cause significant reduction(s) in the benefits provided by the GLWB.

Company Founded: 2000

Excellent Rated Company

S.USA Life Insurance Company, Inc.

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