Annuity Atlas
Reviews

Expert review · 2026

S.USA Life review

Annuity Atlas covers 49 S.USA Life annuity products with live rates and contract specs. 27 carry full editorial reviews.

Carrier strength

A-
A.M. Best
Products49
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Products covered
49
A.M. Best
A-
Categories covered
FIA · MYGA
01

49 S.USA Life annuities

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

ProductTypeSurrenderRatingIncome riderBonus
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
MYGA7yrA-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
MYGA7yrA-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
MYGA5yrA-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
MYGA7yrA-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
MYGA5yrA-Review →
Select Choice® 2 (7) Year Plan (Base + ROP)MYGA7yrA-Details →
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
MYGA5yrA-Review →
Select Choice® 2 (5) Year Plan (Base + ROP)MYGA5yrA-Details →
Select Choice® 4 (7) Year Plan (Base + ROP + PFW)MYGA7yrA-Details →
Select Choice® Plus 2 (7) Year Plan (Base + ROP) MVAMYGA7yrA-Details →
Select Choice® 4 (5) Year Plan (Base + ROP + PFW)MYGA5yrA-Details →
Select Choice® Plus 2 (5) Year Plan (Base + ROP) MVAMYGA5yrA-Details →
Select Choice 3-Year
Savers who want a short, locked-rate commitment and are comfortable keeping funds untouched for three years
MYGA3yrA-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
MYGA3yrA-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
MYGA4yrA-Review →
Select Choice® Plus 4 (7) Year Plan (Base + ROP + PFW) MVAMYGA7yrA-Details →
Select Choice® Plus 2 (7) Year Plan (Base + ROP)MYGA7yrA-Details →
Select Choice® Plus 4 (5) Year Plan (Base + ROP + PFW) MVAMYGA5yrA-Details →
Select Choice® 2 (3) Year Plan (Base + ROP)MYGA3yrA-Details →
Select Choice® Plus 2 (3) Year Plan (Base + ROP) MVAMYGA3yrA-Details →
Select Choice® Plus 2 (4) Year Plan (Base + ROP) MVAMYGA4yrA-Details →
Select Choice® Plus 2 (5) Year Plan (Base + ROP)MYGA5yrA-Details →
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
MYGA3yrA-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
MYGA4yrA-Review →
Select Choice® Plus 4 (7) Year Plan (Base + ROP + PFW)MYGA7yrA-Details →
Select Choice® 4 (3) Year Plan (Base + ROP + PFW)MYGA3yrA-Details →
Select Choice® Plus 4 (3) Year Plan (Base + ROP + PFW) MVAMYGA3yrA-Details →
Select Choice® Plus 4 (4) Year Plan (Base + ROP + PFW) MVAMYGA4yrA-Details →
Select Choice® Plus 4 (5) Year Plan (Base + ROP + PFW)MYGA5yrA-Details →
Select Choice® Plus 2 (3) Year Plan (Base + ROP)MYGA3yrA-Details →
Select Choice® Plus 2 (4) Year Plan (Base + ROP)MYGA4yrA-Details →
Select Choice® Plus 4 (3) Year Plan (Base + ROP + PFW)MYGA3yrA-Details →
Select Choice® Plus 4 (4) Year Plan (Base + ROP + PFW)MYGA4yrA-Details →
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
FIA10yrA-Review →
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
FIA5yrA-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
FIA7yrA-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
FIA10yrA-16% (through age 77) / 8% (ages 78+)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
FIA5yrA-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
FIA7yrA-11% (through age 77) / 6% (ages 78+)Review →
Prosperity PathWay 10-Year
Buyers age 40-80 who want a decade-long, principal-protected accumulation contract with the option to layer on lifetime income later
FIA10yrA-Review →
Prosperity PathWay 14-Year
Buyers with a genuinely long time horizon who won't need this money for 14-plus years and want the option to add lifetime income later, including a no-cost roll-up path
FIA14yrA-Review →
Prosperity PathWay Max 10-Year
Buyers who want an immediate account-value bump on a 10-year FIA and may layer on optional lifetime income later
FIA10yrA-8%Review →
Prosperity PathWay Max 14-Year
Accumulation-focused buyers who want the upfront bonus and a bigger income-base credit, and who are confident they won't touch this money for close to 14 years
FIA14yrA-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
FIA5yrA-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
FIA7yrA-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
FIA9yrA-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
FIA5yrA-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
FIA7yrA-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
FIA9yrA-Review →
02

What you could receive

Live projection for Prosperity PathWay MAX 10 with PathWay MAX Withdrawal Benefit Payment: Option 3 — single life, issue age 62, income beginning at age 75. Illustrative, not a quote; figures refresh from Annuity Rate Watch.

PremiumMonthlyAnnual
$250,000$4,313$51,751
$500,000$8,625$103,502
$1,000,000$17,250$207,004
03

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.

RiderProductFee
Withdrawal Benefit Payment: Option 2Prosperity PathWay 10-Year1.20% annually
Withdrawal Benefit Payment: Option 3Prosperity PathWay 10-Year1.20% annually
PathWay MAX Withdrawal Benefit Payment: Option 2Prosperity PathWay Max 10-Year1.20% annually
PathWay MAX Withdrawal Benefit Payment: Option 3Prosperity PathWay Max 10-Year1.20% annually
04

Frequently asked questions

Is S.USA Life a good annuity company?
We have reviewed 27 S.USA Life products, and A.M. Best rates the carrier A- for financial strength.
How much income can I get from a S.USA Life annuity?
Income depends on your premium, age, and start date. At our benchmark scenario — single life, issue age 62, income beginning at age 75 — S.USA Life's highest-paying income product (Prosperity PathWay MAX 10) currently projects about $103,502 per year on a $500,000 premium, or $51,751 on $250,000. Figures are illustrative, based on live Annuity Rate Watch data, and are not a quote.
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 Withdrawal Benefit Payment: Option 2 (Prosperity PathWay 10-Year): 1.20% annually ; Withdrawal Benefit Payment: Option 3 (Prosperity PathWay 10-Year): 1.20% annually ; PathWay MAX Withdrawal Benefit Payment: Option 2 (Prosperity PathWay 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 3–14 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.

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