Premium Bonus and Index Crediting Options

A key highlight of the Prosperity PathPro Max is its premium bonus, which provides an immediate boost to your initial deposit. That bonus is allocated proportionately across your selected fixed and indexed accounts, adding value right from the start.

The annuity also offers multiple crediting strategies linked to market indices, including:

• The S&P 500® Index

• MSCI USA Balanced FC Index

• Nasdaq Nexus 12%™ Index

With participation and cap rates guaranteed for the full withdrawal charge period, you can confidently plan around consistent crediting terms—while maintaining full principal protection from market losses.

Tax-Deferred Growth and Liquidity

Earnings in the Prosperity PathPro Max grow on a tax-deferred basis, allowing your funds to compound faster by postponing taxes until withdrawals begin. Starting in year two, policyholders may withdraw up to 10% of the accumulation value each year without any withdrawal charge or market value adjustment.

This liquidity feature gives retirees peace of mind knowing they can access a portion of their funds when needed, whether for income, emergencies, or unplanned expenses, without sacrificing long-term performance.

Built-In Waivers for Life’s Uncertainties

The Prosperity PathPro Max includes built-in waivers that add flexibility and protection in the event of major life changes. Contract owners can access up to 100% of their accumulation value without penalty in cases of:

• Long-term care or nursing home confinement

• Hospitalization lasting 90 consecutive days or more

• Terminal illness diagnosis

These provisions ensure you’re not penalized for accessing your money when health circumstances require it most.

Market Value Adjustment and Withdrawal Schedule

This annuity also features a Market Value Adjustment (MVA) rider, designed to reflect changes in interest rates at the time of withdrawal. While it can adjust values up or down depending on the market environment, it only applies to withdrawals above the penalty-free limit within the surrender charge period.

The PathPro Max is available in 5-, 7-, and 10-year terms, allowing you to choose the option that aligns best with your retirement timeline. Each version offers a competitive withdrawal charge schedule that balances long-term growth with financial flexibility.

Built-In Death Benefit and Carrier Strength

In the event of death prior to maturity, the full accumulation value is paid to beneficiaries, ensuring loved ones receive a straightforward, tax-advantaged payout. This makes the PathPro Max not only a growth vehicle but also an effective legacy planning tool.

S.USA Life Insurance Company, the issuing carrier, holds an A- rating from A.M. Best, S&P Global, and Kroll. Backed by Prosperity Life Group’s 100-year heritage and over $29 billion in consolidated assets, this product is supported by financial strength and long-term stability.

Who Is the Prosperity PathPro Max Annuity Best For?

This annuity is a strong fit for:
• Retirees seeking stable growth with downside protection
• Pre-retirees preparing to roll over retirement savings into a safe vehicle
• Individuals who value annual liquidity and penalty-free withdrawal access
• Those who want long-term care and terminal illness flexibility built into their policy
• Clients seeking predictable accumulation with a highly rated insurer

Why Choose Diversified Insurance Brokers?

With access to over 75 top-rated carriers, Diversified Insurance Brokers helps clients compare, evaluate, and select the best annuity products to meet their individual goals. Our fiduciary advisors analyze each product’s features, guarantees, and income potential to help you make informed, confident retirement decisions.

Whether you’re looking to roll over an existing account or diversify your income sources, our team will guide you through every step of the process with clarity and care.

Looking to get started? Complete our Annuity Quote Request Form and our team will help you review rates, options, and strategies to match your financial objective