Annuity Atlas
Today's top ratesMYGA3yr 6.10%5yr 6.30%7yr 6.35%10yr 6.30%FIA S&P cap3yr 9.70%5yr 16.00%7yr 12.90%10yr 17.00%
As of Oct 26 · B++ or betterAll rates →

Expert review · 2026

Prudential review

Global financial powerhouse offering fixed indexed and income annuities.
How we rank →Today's rates →

A.M. Best

A+

Insurer claims-paying rating

Products tracked
8
Income on $500K (benchmark)
$37,813/yr · Elevate Income
Surrender range
5–10 years
Start my comparison
Founded
1875
Headquarters
Newark, NJ
Total assets
$650+ Billion
A.M. Best
A+

8 Prudential annuities

Click any product for rates, specs, and the full peer-group review.

Elevate Accumulator 10
A+
A.M. BEST
FIA10-YR SURRENDER
Details →
Elevate Accumulator 7
A+
A.M. BEST
FIA7-YR SURRENDER
Details →
Prudential Elevate Income
A buyer who has already decided they want guaranteed lifetime income from an A+ carrier and will defer it long enough for the 8% roll-up and the deferral bonus to do their work
A+
A.M. BEST
Income10-YR SURRENDERINCOME RIDER 1.20% annually and a Max Fee of 2.50% after Year 10 FEE
Review →
Prudential PruSecure 5-Year
Buyers who want a short-duration FIA from a brand-name carrier with multiple index choices and a clean point-to-point design
A+
A.M. BEST
FIA5-YR SURRENDER
Review →
Prudential PruSecure 7-Year
Buyers who want a longer-duration PruSecure with potentially more competitive caps and a higher renewal floor than the 5-year version
A+
A.M. BEST
FIA7-YR SURRENDER
Review →
Prudential SurePath 10-Year
Buyers who want a 10-year FIA from a brand-name carrier with the Goldman Sachs Voyager Index option and the more competitive crediting that longer-duration contracts typically fund
A+
A.M. BEST
FIA10-YR SURRENDER
Review →
Prudential SurePath 7-Year
Buyers who want a 7-year FIA from a brand-name carrier with a focused index menu (S&P 500, MSCI EAFE, Goldman Sachs Voyager) and a relatively higher minimum
A+
A.M. BEST
FIA7-YR SURRENDER
Review →
Prudential SurePath Income
Buyers age 45 or older who want a 10-year income FIA with a built-in single or spousal lifetime income benefit and the Goldman Sachs Voyager Index option
A+
A.M. BEST
Income10-YR SURRENDERINCOME RIDER 1.00% annually (2.50% max) FEE
Review →

About Prudential

Prudential Financial is one of the largest financial services companies in the world, with over 150 years of history in retirement income planning. Pruco Life Insurance Company, their annuity subsidiary, is known on this site for fixed indexed annuities such as SurePath, PruSecure and Elevate Accumulator, plus the Elevate Income and SurePath Income annuities. They offer a broad product lineup designed for both accumulation and income strategies.

The tradeoffs

What works
  • Strong financial ratings (A from AM Best, AA- from S&P)
  • Fixed indexed and income annuity options (SurePath, PruSecure, Elevate)
  • Competitive income rider options and spousal coverage features
  • Brand recognition and 150+ year history in retirement planning
What to watch
  • Some products have longer surrender periods (7-10 years)
  • Income rider fees on certain products can impact returns (up to 1.45% annually)
  • Not all products available in all states
  • Accumulation-focused products lack income rider options on entry-level MYGA line

What you could receive

Live projection for Elevate Income with Elevate Income Benefit, single life, issue age 62, income beginning at age 62. Illustrative, not a quote; figures refresh from Annuity Rate Watch.

PremiumMonthlyAnnual
$250,000$1,576$18,906
$500,000$3,151$37,813
$1,000,000$6,302$75,625

Income rider fees

Disclosed charges for optional riders on Pruco Life products, live from Annuity Rate Watch. Product-level detail is on each review.

RiderProductFee
Elevate Income BenefitPrudential Elevate Income1.20% annually and a Max Fee of 2.50% after Year 10
Surepath Income BenefitPrudential SurePath Income1.00% annually (2.50% max)

Best fit for these buyers

Retirees seeking protected lifetime income with growth participation
Those who value brand recognition and 150+ year financial history
Ages 50-75 seeking accumulation, income, or hybrid strategies

Frequently asked questions

Is Prudential a good annuity company?
We have reviewed 6 Prudential products, and A.M. Best rates the carrier A+ for financial strength. We describe its financial position as "Superior" with $650+ Billion in total assets.
How much income can I get from a Prudential annuity?
Income depends on your premium, age, and start date. At our benchmark scenario (single life, issue age 62, income beginning at age 62), Prudential's highest-paying income product (Elevate Income) currently projects about $37,813 per year on a $500,000 premium, or $18,906 on $250,000. Figures are illustrative, based on live Annuity Rate Watch data, and are not a quote.
What are the fees for Prudential annuities?
Fee structures vary by product. Optional income riders on Prudential products carry disclosed charges, for example Elevate Income Benefit (Prudential Elevate Income): 1.20% annually and a Max Fee of 2.50% after Year 10; Surepath Income Benefit (Prudential SurePath Income): 1.00% annually (2.50% max). See each product review for the full fee detail.
What is the surrender period for Prudential annuities?
Surrender periods on Prudential's current lineup run 5–10 years, depending on the product. Most products allow an annual free-withdrawal amount before charges apply. The product table above shows each product's surrender length, and each review covers the exact schedule.

Sources & standards

How we know what's on this page

Rates, terms & availability
Annuity Rate Watch, which aggregates carriers' filed rate sheets. Refreshed every night.
Financial strength
A.M. Best. We publish the carrier's letter rating rather than a score of our own.
Contract detail
The carrier's own brochure, minimum guaranteed surrender value, death benefit, RMD treatment, annuitization options, waiver riders and free-withdrawal terms. Where the brochure and the rate feed disagree, the brochure wins: it is the filed document. Where neither carries a fact, the page omits it. We do not fill gaps with estimates.
Full methodology →Who publishes this →

See your Prudential income projection

Answer a few questions and compare the products that fit you, on today's rates.

Start my comparisonCompare Prudential →