Pruco Life Insurance Company (Prudential)
Elevate Income
Rates and specifications only. Our editorial review of this product hasn't been written yet, so there's no star rating or verdict here — the figures below come straight from the carrier's filed rates. We don't hold this carrier's brochure for this product yet, so the specifications below are limited to what the rate filing carries.
Type
FIA
Surrender
10 years
Top yield
2.46%
A.M. Best
A+
Current Rates
Yield shown is the guaranteed yield to surrender — the honest effective return, not a first-year teaser rate. Each row is a variant of the same product.
| Strategy | Method | Rate | Cap | Par | Yield to surrender |
|---|---|---|---|---|---|
| 1-Year Fixed Rate | Fixed | 3.00% | — | — | 2.46% |
| 1-Year Dimensional U.S. Innovation Point to Point Cap | Point to Point | — | 11.00% | — | — |
| 1-Year Dimensional U.S. Innovation Point to Point Participation | Point to Point | — | — | 90.00% | — |
| 1-Year Franklin Spotlight Point to Point Cap | Point to Point | — | 11.00% | — | — |
| 1-Year Franklin Spotlight Point to Point Participation | Point to Point | — | — | 90.00% | — |
| 1-Year GS Voyager Point to Point Participation | Point to Point | — | — | 102.00% | — |
| 1-Year J.P. Morgan AQUA Point to Point Cap | Point to Point | — | 9.00% | — | — |
| 1-Year J.P. Morgan AQUA Point to Point Participation | Point to Point | — | — | 75.00% | — |
| 1-Year MSCI EAFE Point to Point Cap | Point to Point | — | 4.25% | — | — |
| 1-Year MSCI EAFE Point to Point Participation | Point to Point | — | — | 20.00% | — |
| 1-Year PGIM Quant US Multi-Asset Positioning Point to Point Participation | Point to Point | — | — | 105.00% | — |
| 1-Year S&P 500 Point to Point Cap | Point to Point | — | 4.00% | — | — |
| 1-Year S&P 500 Point to Point Participation | Point to Point | — | — | 20.00% | — |
| 2-Year Dimensional U.S. Innovation Point to Point Participation | Point to Point | — | — | 115.00% | — |
| 2-Year Franklin Spotlight Point to Point Participation | Point to Point | — | — | 115.00% | — |
| 2-Year GS Voyager Point to Point Participation | Point to Point | — | — | 110.00% | — |
| 2-Year J.P. Morgan AQUA Point to Point Participation | Point to Point | — | — | 100.00% | — |
| 2-Year PGIM Quant US Multi-Asset Positioning Point to Point Participation | Point to Point | — | — | 155.00% | — |
| 3-Year Dimensional U.S. Innovation Point to Point Participation | Point to Point | — | — | 140.00% | — |
| 3-Year Franklin Spotlight Point to Point Participation | Point to Point | — | — | 140.00% | — |
| 3-Year GS Voyager Point to Point Participation | Point to Point | — | — | 130.00% | — |
| 3-Year J.P. Morgan AQUA Point to Point Participation | Point to Point | — | — | 115.00% | — |
| 3-Year MSCI EAFE Point to Point Cap | Point to Point | — | 14.25% | — | — |
| 3-Year MSCI EAFE Point to Point Participation | Point to Point | — | — | 28.00% | — |
| 3-Year PGIM Quant US Multi-Asset Positioning Point to Point Participation | Point to Point | — | — | 195.00% | — |
| 3-Year S&P 500 Point to Point Cap | Point to Point | — | 14.00% | — | — |
| 3-Year S&P 500 Point to Point Participation | Point to Point | — | — | 28.00% | — |
Surrender Schedule
Yr 1
10%
Yr 2
9%
Yr 3
8%
Yr 4
7%
Yr 5
6%
Yr 6
5%
Yr 7
4%
Yr 8
3%
Yr 9
2%
Yr 10
1%
Product Specifications
- Minimum premium (non-qualified)
- $25,000
- Minimum premium (qualified)
- $25,000
- Maximum issue age
- 85
- Free withdrawal
- 10%
- Free withdrawal (year 1)
- 10%
- Market value adjustment
- Yes
- Return of premium
- No
- States available
- 48 states
Income Riders
Elevate Income BenefitGLWB
Roll-up: 8.00%
Withdrawal age: 45.0 Min
Rates are a snapshot and change frequently. Figures are sourced from the carrier's filed rates via Annuity Rate Watch and refreshed nightly. Nothing here is a recommendation to buy. Annuities are issued by insurance companies and are not guaranteed by any bank or the FDIC. See our legal & disclosures.