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  • Written By
    Jennifer Schell

    Jennifer Schell

    Financial Writer

    Jennifer Schell is a professional writer focused on demystifying annuities and other financial topics including banking, financial advising and insurance. She is proud to be a member of the National Association for Fixed Annuities (NAFA) as well as the National Association of Insurance and Financial Advisors (NAIFA).

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  • Edited By
    Savannah Pittle
    Savannah Pittle, senior financial editor for

    Savannah Pittle

    Senior Financial Editor

    Savannah Pittle is an accomplished writer, editor and content marketer. She joined as a financial editor in 2021 and uses her passion for educating readers on complex topics to guide visitors toward the path of financial literacy.

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  • Financially Reviewed By
    Timothy Li, MBA
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    Timothy Li, MBA

    Business Finance Manager

    Timothy Li, MBA, has dedicated his career to increasing profitability for his clients, including Fortune 500 companies. Timothy currently serves as a business finance manager where he researches ways to increase profitability within the supply chain, logistics and sales departments.

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  • Updated: July 4, 2023
  • 4 min read time
  • This page features 15 Cited Research Articles
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Cite Us
How to Cite's Article

APA Schell, J. (2023, July 4). Prudential Annuities. Retrieved June 22, 2024, from

MLA Schell, Jennifer. "Prudential Annuities.", 4 Jul 2023,

Chicago Schell, Jennifer. "Prudential Annuities." Last modified July 4, 2023.

Why Trust
Why You Can Trust has provided reliable, accurate financial information to consumers since 2013. We adhere to ethical journalism practices, including presenting honest, unbiased information that follows Associated Press style guidelines and reporting facts from reliable, attributed sources. Our objective is to deliver the most comprehensive explanation of annuities and financial literacy topics using plain, straightforward language.

Our Partnerships, Vision and Goals

We pride ourselves on partnering with professionals like those from Senior Market Sales (SMS) — a market leader with over 30 years of experience in the insurance industry — who offer personalized retirement solutions for consumers across the country. Our relationships with partners including SMS and Insuractive, the company’s consumer-facing branch, allow us to facilitate the sale of annuities and other retirement-oriented financial products to consumers who are looking to purchase safe and reliable solutions to fill gaps in their retirement income. We are compensated when we produce legitimate inquiries, and that compensation helps make an even stronger resource for our audience. We may also, at times, sell lead data to partners in our network in order to best connect consumers to the information they request. Readers are in no way obligated to use our partners’ services to access the free resources on carefully selects partners who share a common goal of educating consumers and helping them select the most appropriate product for their unique financial and lifestyle goals. Our network of advisors will never recommend products that are not right for the consumer, nor will Additionally, operates independently of its partners and has complete editorial control over the information we publish.

Our vision is to provide users with the highest quality information possible about their financial options and empower them to make informed decisions based on their unique needs.

About Prudential Financial

Prudential Financial was established in 1875 by John F. Dryden. The company grew rapidly under the leadership of Dryden and, later, his son, Forrest Dryden. By 1922, less than fifty years after the company’s founding, Prudential’s total assets had risen to $830 million.

The company began selling group variable annuity policies in 1964. Prudential expanded its offerings in subsequent decades to include different types of annuities for individuals and groups, and from 1995 to 1997 had the sixth-highest annuity sales in the country.

As of November 2022, Prudential manages over $1.35 trillion in assets across its various insurance and annuity products. The company’s website describes its purpose as “To make lives better by solving the financial challenges of our changing world.”


Current Prudential individual annuity customers can contact the company’s customer service line for questions about their annuity policies: 1-888-778-2888

Credit Ratings

Annuity providers like Prudential Financial receive scores from independent agencies based on the provider’s overall financial stability. These scores are called credit ratings or financial strength ratings and help consumers make informed choices when purchasing an annuity. The higher the company’s ratings are, the more likely it is that it’ll be able to meet its insurance obligations.

The Prudential Insurance Company of America holds strong credit ratings from all four of the major credit rating agencies: AM Best, Standard & Poor’s, Moody’s and Fitch Ratings.

Prudential Financial Credit Ratings

Credit Agency Rating
AM Best






Standard & Poor’s

Source: Prudential Financial

Annuities Offered by Prudential

Prudential sells a range of annuity products designed to meet the retirement income needs of Americans. Most of the annuities Prudential offers are fixed index and variable annuities.

Prudential also provides a fixed annuity option. The Prudential Fixed Annuity with Daily Advantage Income Benefit® product offers guaranteed daily growth of the annuity’s value during its accumulation period. This product also comes with a built-in guaranteed lifetime withdrawal benefit, meaning that annuity holders can start receiving income whenever they choose and will continue receiving payments for life.

Fixed Index Annuities

Prudential offers three types of fixed index annuity products. These annuities accumulate interest based on two factors: a fixed interest rate that remains constant throughout the annuity’s contract and an interest rate tied to the performance of an equity market index. This way, annuity owners can benefit from strong market growth while still being protected from market losses.

Two of Prudential’s fixed index annuities, the SurePath® and SurePath® Income products, are only available for purchase through an independent marketing organization. SurePath® annuities feature benefits like tax-deferred growth and guaranteed principal protection.

The third Prudential fixed index annuity is PruSecure®. This annuity product can be more highly customized, with the annuity owner choosing what percentage of their annuity’s value is allocated to the index-based interest rate and what percentage is allocated to the fixed rate. Policyholders can also choose which of four equity markets the annuity is tied to.

Variable Annuities

The variable annuities Prudential offers can be divided into two categories: variable and indexed variable annuities. Prudential’s FlexGuard® and FlexGuard® Income products are indexed variable annuities. The main feature of these annuities is the ability to customize the terms of your contract based on three index crediting strategies. The FlexGuard® Income product also allows the annuity to take part in market growth after the annuitant begins receiving income payments, with the guarantee of a fully protected, fixed payment for life.

In addition to these indexed variable annuities, customers can opt for the Prudential Premier® Investment variable annuity. This product helps investors grow their assets more efficiently by allowing them to diversify the annuity contract across a wide range of investment options.

Annuity rates on a phone

Purchase an Annuity Today

Learn how an investment today can provide guaranteed income for life.

Client Resources

Annuity customers can access information and get questions answered through Prudential’s online virtual chat assistant. Prudential customers may update their contact information or beneficiary details on the company’s website.

Prudential also publishes a financial education blog covering a wide range of topics, including:

  • Investment strategies
  • Financial wellness
  • Management of day-to-day finances
  • Planning for unexpected expenses
  • Preparing for retirement
logging in online

If you have an annuity with Prudential, you can log into your account at:

Prudential’s Personal Accounts Login Page

About has provided reliable, accurate and trustworthy financial information to readers since 2013. We partner with professionals like those from Senior Market Sales (SMS), a market leader with over 30 years of experience in the insurance industry, to offer personalized retirement solutions for consumers across the country.

Any information offered about the company above is provided free of charge and individual product offerings are verified and accurate as of publication.

Our partners work with the provider companies mentioned on our site. However, is not a service provider. Actual products, terms and rates offered through the above company are subject to in-state availability and a variety of other factors. Visit the Our Partners page for additional information.

Please seek the advice of a qualified professional before making financial decisions.
Last Modified: July 4, 2023

15 Cited Research Articles writers adhere to strict sourcing guidelines and use only credible sources of information, including authoritative financial publications, academic organizations, peer-reviewed journals, highly regarded nonprofit organizations, government reports, court records and interviews with qualified experts. You can read more about our commitment to accuracy, fairness and transparency in our editorial guidelines.

  1. Pederson, Jay P. International Directory of Company Histories, Vol. 30. London: St. James Press, 2000.
  2. Prudential Financial. (2022, June 23). Prudential Financial 2021 ESG Report Details Long-Term Commitment To Realize Future Vision. Retrieved from
  3. Prudential Financial. (2022, August). Prudential Financial Fact Sheet. Retrieved from
  4. Prudential Financial. (2022, August 2). Ratings. Retrieved from
  5. Prudential Financial. (n.d.) About Prudential Financial. Retrieved from
  6. Prudential Financial. (n.d.) Contact Us. Retrieved from
  7. Prudential Financial. (n.d.) Financial Education. Retrieved from
  8. Prudential Financial. (n.d.) Fixed Annuity With Daily Advantage Income Benefit. Retrieved from
  9. Prudential Financial. (n.d.) FlexGuard Income Indexed Variable Annuity. Retrieved from
  10. Prudential Financial. (n.d.) FlexGuard Indexed Variable Annuity. Retrieved from
  11. Prudential Financial. (n.d.) Help Center. Retrieved from
  12. Prudential Financial. (n.d.) Premier Investment. Retrieved from
  13. Prudential Financial. (n.d.) PruSecure Fixed Indexed Annuity. Retrieved from
  14. Prudential Financial. (n.d.) SurePath Income Fixed Indexed Annuity. Retrieved from
  15. Prudential Financial. (n.d.) SurePath Fixed Indexed Annuity. Retrieved from