S.USA Life review

Annuity Atlas has published 23 editorial reviews of S.USA Life products. Average peer-group rating 3.8 / 5, top-rated product earns 4.0 / 5. Browse the full lineup below.

Our rating

3.8

Avg ★ / 5

Products reviewed23

A.M. BestA-

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Reviews published

Average rating

★ 3.8 / 5

A.M. Best

A-

Categories covered

FIA · MYGA

23 S.USA Life annuities reviewed

Sorted by star rating. Click any product for the full peer-group review.

Product	Type	Surrender	Rating	Income rider	Bonus
Prosperity PathPro 5-Year Accumulation-focused buyers who want a short 5-year FIA commitment with multiple index strategies and guaranteed crediting rates for the full surrender period	FIA	5yr	★ 4.0	—	—	Review →
Prosperity PathPro 7-Year Pre-retirees who want principal-protected index growth with rate certainty and no income rider cost for the full surrender period	FIA	7yr	★ 3.9	—	—	Review →
Select Choice Plus 4-Year Buyers who want a clean 4-year locked rate, no MVA risk, and optional liquidity access without committing to a full 5-year term	MYGA	4yr	A-	—	—	Review →
Select Choice Plus 7-Year Savers who want a fully guaranteed fixed rate for seven years, can commit to the full term without needing liquidity access, and prefer a no-MVA structure	MYGA	7yr	A-	—	—	Review →
Select Choice Plus MVA 7-Year Disciplined savers who can commit seven years, want a higher declared rate in exchange for accepting interest-rate risk on early exit, and have no need for liquidity during the guarantee period	MYGA	7yr	A-	—	—	Review →
Prosperity PathPro Max 5-Year Buyers who plan to hold a 5-year FIA to maturity and want an upfront account-value boost to accelerate early crediting potential	FIA	5yr	★ 3.8	—	8% (through age 77) / 4% (ages 78+)	Review →
Prosperity PathPro Max 7-Year Accumulation-focused buyers who want an upfront account-value bonus, plan to leave funds untouched for the full 7-year term, and do not need income rider benefits	FIA	7yr	★ 3.8	—	11% (through age 77) / 6% (ages 78+)	Review →
Prosperity PathPro 10-Year Long-term accumulation buyers who want locked participation and cap rates for the full surrender period without paying for a rider they don't need	FIA	10yr	★ 3.8	—	—	Review →
Safe Solution 9-Year Buyers willing to commit to a 9-year horizon who want S&P 500-linked growth potential with no MVA risk and a low $5,000 entry point	FIA	9yr	★ 3.8	—	—	Review →
Select Choice 5-Year Savers who want a 5-year locked rate with a low entry point and can commit to the full term without needing mid-period access	MYGA	5yr	A-	—	—	Review →
Select Choice 7-Year Savers who want a seven-year locked rate, can live without free-withdrawal access, and understand that an MVA adds an extra dimension of surrender risk	MYGA	7yr	A-	—	—	Review →
Select Choice Plus 3-Year Conservative savers who want a short-term guaranteed rate with no interest-rate risk on early surrender and optional flexibility riders at modest yield cost	MYGA	3yr	A-	—	—	Review →
Select Choice Plus MVA 4-Year Buyers who want a marginally higher locked rate on a 4-year MYGA and are comfortable accepting MVA risk on early surrenders in exchange for that yield pickup	MYGA	4yr	A-	—	—	Review →
Select Choice Plus 5-Year Conservative savers who want a guaranteed declared rate for five years without MVA risk and are willing to add a free-withdrawal rider if liquidity matters	MYGA	5yr	A-	—	—	Review →
Select Choice Plus MVA 5-Year Shoppers who want a 5-year locked rate from a smaller regional carrier and can accept an MVA on early exits in exchange for a potentially higher declared rate	MYGA	5yr	A-	—	—	Review →
Prosperity PathPro Max 10-Year Buyers comfortable with a 10-year commitment who want a large upfront account-value bonus and have no need for income rider features	FIA	10yr	★ 3.7	—	8%	Review →
Safe Solution 5-Year Conservative buyers who want principal protection, a short commitment, and simple S&P 500 crediting without paying for income or bonus features they do not need	FIA	5yr	★ 3.7	—	—	Review →
Safe Solution 7-Year Conservative buyers who want S&P 500 index-linked growth potential with no income rider complexity and a clean no-MVA surrender structure	FIA	7yr	★ 3.7	—	—	Review →
Safe Solution MVA 7-Year Buyers who want a straightforward S&P 500-linked FIA with a 7-year commitment and understand that early surrenders carry interest-rate risk on top of the standard charge	FIA	7yr	★ 3.7	—	—	Review →
Safe Solution MVA 9-Year Long-horizon savers who want S&P 500-linked growth potential, accept an MVA in exchange for a low entry minimum, and are confident they will not need to surrender during the 9-year window	FIA	9yr	★ 3.7	—	—	Review →
Select Choice 3-Year Savers who want a short, locked-rate commitment and are comfortable keeping funds untouched for three years	MYGA	3yr	A-	—	—	Review →
Select Choice Plus MVA 3-Year Rate-focused buyers who are comfortable with interest-rate risk in exchange for a slightly higher declared rate on a short MYGA commitment	MYGA	3yr	A-	—	—	Review →
Safe Solution MVA 5-Year Buyers who want a short-term principal-protected FIA with S&P 500 upside and who are comfortable with the added interest-rate risk that the MVA introduces on early surrenders	FIA	5yr	★ 3.5	—	—	Review →

Income rider fees

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

Rider	Product	Fee
PathWay MAX Withdrawal Benefit Payment: Option 2	Prosperity PathPro Max 10-Year	1.20% annually
PathWay MAX Withdrawal Benefit Payment: Option 3	Prosperity PathPro Max 10-Year	1.20% annually

Frequently asked questions

Is S.USA Life a good annuity company?

S.USA Life earns an average rating of 3.8/5 across the 23 products we've reviewed, and A.M. Best rates the carrier A- for financial strength.

What are the fees for S.USA Life annuities?

Fee structures vary by product. Optional income riders on S.USA Life products carry disclosed charges — for example PathWay MAX Withdrawal Benefit Payment: Option 2 (Prosperity PathPro Max 10-Year): 1.20% annually ; PathWay MAX Withdrawal Benefit Payment: Option 3 (Prosperity PathPro Max 10-Year): 1.20% annually . See each product review for the full fee detail.

What is the surrender period for S.USA Life annuities?

Surrender periods on S.USA Life's current lineup run 3–10 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.

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