Prudential SurePath Income Annuity – Guaranteed Lifetime Income with Daily Growth
At Diversified Insurance Brokers, we specialize in annuity solutions that combine guaranteed lifetime income, market protection, and tax-deferred growth. The Prudential SurePath Income Fixed Indexed Annuity is built for individuals who want a dependable income stream, flexible growth options, and peace of mind in retirement.
10% Income Bonus for Immediate Growth
The SurePath Income Annuity starts with a 10% income bonus, instantly increasing your income base for future withdrawals. This upfront boost helps maximize your lifetime income potential.
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Daily Income Growth with an 8% Roll-Up Rate
Your income base grows daily at an 8% simple interest roll-up rate until you start taking withdrawals. This steady growth ensures your future income keeps pace with your retirement needs.
Flexible Allocation Options
The annuity allows you to allocate between fixed interest strategies and index-based strategies linked to well-known market benchmarks like the S&P 500® and the Goldman Sachs Voyager Index. This flexibility lets you balance growth potential with risk tolerance.
Tax-Deferred Compounding
Your earnings grow tax-deferred, meaning you won’t pay taxes until you take withdrawals. This allows for greater compounding and a larger income base over time.
Penalty-Free Withdrawals for Flexibility
After the first year, you can withdraw up to 10% of your contract value annually without penalty, giving you access to funds for emergencies or unexpected expenses.
Why Work With Diversified Insurance Brokers
We help you compare top-rated annuities to ensure you select the one that fits your retirement income goals. The Prudential SurePath Income Annuity is ideal for individuals who want steady income growth, strong protection, and flexible allocation options.
🎯 Looking for lifetime income with daily growth potential?
Submit a quote request here to find out if the Prudential SurePath Income Annuity is right for your retirement strategy.
Talk to an Advisor or Request Your Annuity Quote
Ready to explore this annuity in more detail—or compare it with other carriers to see if even higher rates are available? With guaranteed income, principal protection, and long-term growth potential on the line, making the right choice is essential. The experienced advisors at Diversified Insurance Brokers will guide you through the options and design a strategy tailored to your retirement goals.
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FAQs: Prudential SurePath Income Annuity
What is the Prudential SurePath Income Annuity?
The Prudential SurePath Income is an annuity designed to generate guaranteed retirement income. It allows you to accumulate funds and later convert them into a predictable stream of payouts, potentially for life, depending on the selected options.
How do earnings or credits work in SurePath?
Depending on the version, the annuity may offer either fixed interest crediting or indexed crediting (or a combination). Interest or index gains accumulate tax-deferred until you begin withdrawals or income payments.
Is my principal protected from market downturns?
Yes. This annuity offers downside protection — your principal (accumulation value) will not decline due to market losses, as your money is not directly invested in the stock market.
When and how can I start receiving income?
You can elect to begin income payments at a future date, often choosing among payout options such as life-only, joint-life, or period-certain distributions. Some versions also allow deferred income buildup before converting to payouts.
Can I withdraw money before income begins?
Many contracts permit limited annual free withdrawals (often a defined percentage of account value) without surrender charges. Larger withdrawals or a full surrender during the surrender period may incur penalties or affect future income guarantees.
What happens to benefits if I pass away before or after income starts?
If you pass away during the accumulation phase, the contract may pay a death benefit to your beneficiary based on the account value or guaranteed minimums. Once income payments begin, payout options like joint-life or period-certain may continue benefits to a spouse or beneficiary, depending on your selection.
How are withdrawals or distributions taxed?
Earnings inside the annuity grow tax-deferred. When you take withdrawals or receive income, the taxable portion is generally treated as ordinary income. Withdrawals before age 59½ may also be subject to additional tax penalties under IRS rules.
Who is the SurePath Income Annuity a good fit for?
This annuity may fit individuals seeking a guaranteed income stream in retirement, those who value protection from market downside, or savers looking for tax-deferred growth while deferring distributions until retirement age.
What should I be aware of before buying?
Key considerations include surrender periods and charges, limitations on withdrawals or liquidity, the cost and terms of income riders, and how payout options affect long-term income flexibility and legacy value.
About the Author:
Jason Stolz, CLTC, CRPC, is a senior insurance and retirement professional with more than two decades of real-world experience helping individuals, families, and business owners protect their income, assets, and long-term financial stability. As a long-time partner of the nationally licensed independent agency Diversified Insurance Brokers, Jason provides trusted guidance across multiple specialties—including fixed and indexed annuities, long-term care planning, personal and business disability insurance, life insurance solutions, and short-term health coverage. Diversified Insurance Brokers maintains active contracts with over 100 highly rated insurance carriers, ensuring clients have access to a broad and competitive marketplace.
His practical, education-first approach has earned recognition in publications such as VoyageATL, highlighting his commitment to financial clarity and client-focused planning. Drawing on deep product knowledge and years of hands-on field experience, Jason helps clients evaluate carriers, compare strategies, and build retirement and protection plans that are both secure and cost-efficient.
