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Prosperity PathWay Max 14

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Investment

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Retire At

About Product

Type

Fixed Index

Purpose

Lifetime Income

Premium Bonus

Term

14 Years

Surrender schedule

14.75%

13.75%

12.75%

11.75%

10.75%

10%

4.5%

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 is a Single Premium Fixed Indexed Annuity (FIA), designed to help keep your hard-earned savings safe from market volatility and downturns while also having the potential to grow. This can help you meet your future retirement needs and goals with confidence.

Guaranteed Lifetime Withdrawal Benefit (GLWB) Rider

An optional Guaranteed Lifetime Withdrawal Benefit (GLWB) Rider is available to provide guaranteed income that can last for life. The rider offers multiple income options with differing benefit base roll-up rates and rider charges, allowing the Contract Owner to select the approach that best fits their retirement income needs. Availability and terms are subject to a minimum issue age and the rider provisions described in the contract.

Strategy / Account Options

Contract Owners may allocate premium across a Fixed Interest Account and a range of indexed crediting strategies, either through preset allocation models or a custom allocation of their choosing. Available indices include the S&P 500, Barclays 3AI Tilt VC10, Barclays Tech+, BNP Paribas CMV Commodity 5% VC ER, S&P 500 Dynamic Intraday TCA, BofA US Strength Fast Convergence, and NYSE Market Pillars. Each strategy uses caps or participation rates that are credited 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 S&P 500 PTP Cap 30% Conservative Preset	Blend Annual	4.5% Cap
1-Year S&P 500 PTP Cap 20% Growth Preset	Blend Annual	4.5% Cap
1-Year Barclays 3Al Tilt VC10 PTP Participation Rate 20% Growth Preset	Blend Annual	50% Participation
1-Year Barclays Tech+ PTP Participation Rate 25% Growth Preset	Blend Annual	50% Participation
1-Year NYSE Market Pillars PTP Participation Rate 15% Growth Preset	Blend Annual	55% Participation
1-Year S&P 500 Dynamic Intraday TCA PTP Participation Rate 20% Growth Preset	Blend Annual	35% Participation
1-Year Barclays Tech+ PTP Participation Rate 15% Balanced Preset	Blend Annual	50% Participation
1-Year S&P 500 Dynamic Intraday TCA PTP Participation Rate 15% Balanced Preset	Blend Annual	35% Participation
1-Year NYSE Market Pillars PTP Participation Rate 20% Balanced Preset	Blend Annual	55% Participation
1-Year BNP Paribas CMV Commodity 5% VC ER PTP Participation Rate 10% Balanced Preset	Blend Annual	90% Participation
1-Year Barclays 3Al Tilt VC10 PTP Participation Rate 15% Balanced Preset	Blend Annual	50% Participation
1-Year BNP Paribas CMV Commodity 5% VC ER PTP Participation Rate 10% Conservative Preset	Blend Annual	90% Participation
1-Year NYSE Market Pillars PTP Participation Rate 15% Conservative Preset	Blend Annual	55% Participation
1-Year S&P 500 Dynamic Intraday TCA PTP Participation Rate 10% Conservative Preset	Blend Annual	35% Participation
1-Year Barclays Tech+ PTP Participation Rate 10% Conservative Preset	Blend Annual	50% Participation
1-Year Barclays 3Al Tilt VC10 PTP Participation Rate 10% Conservative Preset	Blend Annual	50% Participation
1-Year Fixed Account 15% Conservative Preset	Blend	2.15% Fixed
1-Year S&P 500 PTP Cap 25% Balanced Preset	Blend Annual	4.5% Cap
1-Year Fixed Account	Fixed	1.95% Fixed
1-Year NYSE Market Pillars PTP Participation Rate	Point to Point Annual	50% Participation
1-Year BofA US Strength Fast Convergence PTP Participation Rate	Point to Point Annual	40% Participation
1-Year S&P 500 Dynamic Intraday TCA PTP Participation Rate	Point to Point Annual	30% Participation
1-Year BNP Paribas CMV Commodity 5% VC ER PTP Participation Rate	Point to Point Annual	85% Participation
1-Year Barclays Tech+ PTP Participation Rate	Point to Point Annual	45% Participation
1-Year Barclays 3Al Tilt VC10 PTP Participation Rate	Point to Point Annual	45% Participation
1-Year S&P 500 PTP Cap	Point to Point Annual	3% Cap

Surrender schedule

Year	1	2	3	4	5	6	7	8	9	10	11	12	13	14
Penalty	15%	14%	13%	12%	11%	10%	9%	8%	7%	6%	5%	4%	3%	2%

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

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

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 WithdrawalBeginning in contract year two, the Contract Owner may withdraw up to 10% of the Accumulation Value without incurring a Withdrawal Charge or a negative MVA. Any unused portion cannot be carried over to subsequent contract years. PFW Rider is included in all contracts. Withdrawals are subject to tax and, if taken prior to age 59 1/2, may be subject to a 10% IRS penalty.

Company Founded: 2000

Excellent Rated Company

S.USA Life Insurance Company, Inc.

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