Guaranteed Renewal Rates Highlight Launch of New Prosperity Life Group FIAs: Prosperity PathPro Series
September 16, 2025 by Prosperity Life Group
AUSTIN, Texas–(BUSINESS WIRE)–Prosperity Life Group®, an insurance, reinsurance, and asset management organization, today announced the launch of Prosperity PathProSM Series Fixed Indexed Annuities (FIAs), issued by S.USA Life Insurance Company, Inc. (S.USA), a Prosperity Company.
The series includes two innovative FIAs, Prosperity PathProSM and Prosperity PathPro MaxSM. Both FIAs offer multiple indexed crediting methods with one-year or two-year durations, featuring the following four index strategies:
S&P 500®
S&P 500® Engle 14% VT TCA Index
Nasdaq Nexus 12%TM Index, and
MSCI USA Balanced FC Index
Three of the four index strategies, excluding S&P 500, guarantee the initial Participation (Par) or Cap rates for the length of the Withdrawal Charge Period.
Prosperity PathPro Max features a Premium Bonus*, which is an upfront interest credit, with no explicit fee.
With these features, Prosperity PathPro Series is designed to provide peace of mind in retirement.
“Prosperity PathPro Series has a unique story offering stability via guaranteed Par and Cap Rates, customized growth opportunities, and protection from market volatility and market downturns,” said Luke Christenson, Vice President of Sales, Prosperity Life Group. “Couple that with Prosperity PathPro Max offering a Premium Bonus with no explicit fee, and you have an FIA series that allows future retirement needs and goals to be met with confidence.”
“We are pleased to collaborate with Prosperity Life Group to introduce indices designed to meet the evolving needs of today’s consumers, with a focus on simplicity and accessibility,” said Jason Zahn, Director at BofA Securities.
“Our collaboration with Prosperity Life Group, Nasdaq, and Bank of America, has been seamless. Salt’s technology makes it possible to iterate rapidly on all aspects of index design, turning ideas into solutions with speed and precision for our partners and clients,” said Tony Barchetto, Founder & CEO, Salt Financial.
Guaranteed Par and Cap Rates are available for all three Withdrawal Charge Periods: five-year, seven-year, and 10-year. This approach aligns with Prosperity Life Group’s long-standing renewal rate philosophy.
“For the last seven years, Prosperity Life Group has offered 100% Cap rate integrity on our existing FIA offerings, and with our guaranteed Participation and Cap rates for term on Prosperity PathPro Series, we’re removing the “trust me” factor for our distribution,” said Dan Farrelly, SVP, Head of Annuity Distribution. “Prosperity PathPro Series is designed to protect hard-earned savings, while also providing the potential for growth.”
About Prosperity Life Group
Prosperity Life Group® is an innovative insurance, reinsurance, and asset management organization, including underwriting companies SBLI USA Life Insurance Company, Inc., S.USA Life Insurance Company, Inc., Shenandoah Life Insurance Company, and National Western Life Insurance Company. Collectively, its underwriting companies have been helping individuals and their families for over 100 years by providing life insurance, asset accumulation, and supplemental health products to help them achieve their goals.
About S.USA Life Insurance Company, Inc. (S.USA)
S.USA Life Insurance Company, Inc. S.USA is an Arizona domestic insurer and is authorized to do business in 48 states and the District of Columbia. S.USA offers a wide variety of products through a diverse set of distribution channels. S.USA holds a financial rating of A- (Stable) from A.M. Best, S&P Global and KBRA. S.USA is not authorized to do business in New York, Connecticut, and Puerto Rico.
*The Premium Bonus, which is only available with Prosperity PathPro MaxSM, is subject to recapture for withdrawals made during the Withdrawal Charge Period. The Premium Bonus Percentage may vary by Withdrawal Charge Period chosen and issue age.
Prosperity Life Group® is a marketing name for certain affiliated companies. Life insurance, annuities, and supplemental health products are underwritten by SBLI USA Life Insurance Company, Inc. (SBLI USA), headquartered in New York, NY; S.USA Life Insurance Company, Inc. (S.USA), and Shenandoah Life Insurance Company (Shenandoah Life), both headquartered in Roanoke, VA; and National Western Life Insurance Company (National Western), headquartered in Austin, TX. Only SBLI USA is an authorized New York insurer. S.USA, Shenandoah Life, and National Western are not authorized as insurers in, and do not do insurance business in, New York. Each underwriting company is responsible for its own financial and contractual obligations. SBLI USA Life Insurance Company, Inc. is not affiliated with The Savings Bank Mutual Life Insurance Company of Massachusetts or The Savings Bank Life Insurance Company of Connecticut.
Prosperity PathProSM Series is issued by S.USA Life Insurance Company, Inc. (S.USA), a Prosperity Life Group company. Prosperity Life Group is a marketing name for products and services provided by a group of affiliated companies. S.USA is solely responsible for its own financial and contractual obligations. All financial guarantees are based on the financial strength and claims paying ability of S.USA. Policy Form #s ICC25FIAPUECS25, ICC25FIAPUECS25-DP, and state variations. Rider Form #s ICC25PBRRUECS25, ICC19MVARUECS19, ICC25WWCRUECS25, and state variations. Contract has exclusions, limitations, reduction of benefits, and terms for keeping it in force. Contact Prosperity Life Group or your agent and review the contract for full details.
Not available in all states; features may vary by state. Refer to the policy for applicable exclusions and limitations. You must disclose all limitations and exclusions to the client. Withdrawals are subject to tax and, if taken prior to age 59 1⁄2, may be subject to a 10% IRS penalty. Agents should not attempt to give tax advice. Clients should be advised to consult their tax or legal professional as to such matters.
While the volatility controls applied by certain indices may result in less fluctuations in rates of return as compared to indices without volatility controls, it may also reduce the overall rate of return as compared to indices not subject to volatility controls.
The S&P 500® Index is a product of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”). The S&P 500® Engle 14% VT TCA Index is a product of SPDJI and incorporates methodology licensed from UBS AG (“UBS”) and has been licensed for use by S.USA Life Insurance Company, Inc. (“S.USA”). S&P®, S&P 500®, SPX®, SPY®, US 500TM, The 500TM, iBoxx®, iTraxx® and CDX® are trademarks of S&P Global, Inc. or its affiliates (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); Engle is a trademark of Engle Volatility Consulting LLC (“Engle Consulting”), the research principal of which is Robert F. Engle (“Engle”), and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by S.USA Life Insurance Company, Inc. (“S.USA”). S.USA’s Prosperity PathPro FIA Series based on the Indices are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates, Engle Consulting, Engle, or UBS and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the Indices.
Nasdaq®, Nasdaq Nexus 12%TM Index are registered trademarks of Nasdaq, Inc. (which with its affiliates is referred to as the “Corporations”) and are licensed for use by S.USA Life Insurance Company, Inc. (“S.USA”). Prosperity PathProSM and Prosperity PathPro MaxSM (the “Prosperity PathProSM Series”) has not been passed on by the Corporations as to their legality or suitability. The Prosperity PathProSM Series is not issued, endorsed, sold, or promoted by the Corporations. THE CORPORATIONS MAKE NO WARRANTIES AND BEAR NO LIABILITY WITH RESPECT TO THE PROSPERITY PATHPROSM SERIES.
The Nasdaq Nexus 12% Index is not sponsored, endorsed, sold or promoted by Salt Financial LLC. Nor does Salt Financial LLC make any representation regarding the advisability of investing in any products tied to the performance of the Nasdaq Nexus 12% Index. SALT FINANCIAL LLC MAKES NO WARRANTIES AND BEARS NO LIABILITY WITH RESPECT TO THE PROSPERITY PATHPRO SERIES.
BofA Securities, Inc. and its Affiliates (“BofAS” or “Licensor”), MSCI USA Balanced FC Index (the “Index”) and related information, the name “BofAS”, and related trademarks, are intellectual property of BofAS, licensed from BofAS to S.USA Life Insurance Company (“Licensee”). In connection with the Index, BofAS has licensed the use of certain marks and data from MSCI Inc. Neither the Licensee nor any annuity product, including fixed index annuities (collectively, the “Products”) referencing the Index is sponsored, operated, endorsed, sold or promoted by the Licensor. Obligations to make payments under any Products are solely the obligation of Licensee pursuant to the terms of the contract between Licensee and you, and are not the responsibility of the Licensor. The Licensor, the Index and related information, the name of the Licensor, and related trademarks may not be copied, used, or distributed without the Licensor’s prior written approval. The Products have not been passed on as to their legality or suitability, and are not regulated, issued, endorsed, sold, guaranteed, or promoted by the Licensor. The Licensor’s only relationship to Licensee is the licensing (or sub-licensing) of certain trademarks and trade names and the Index or components thereof and neither the Licensor nor any of its affiliates are a party to any transaction contemplated herein. The Index applies a volatility target, and, while volatility controls may result in less fluctuation in rates of return as compared to indices without volatility controls, they may also reduce the overall rate of return as compared to products not subject to volatility controls. The Index embeds certain transaction costs and the components of the Index embed additional transaction costs, in each case, that are taken into account in the calculations of the change in Index value, which will reduce any returns of the Index. THE LICENSOR MAKES NO WARRANTIES AND BEARS NO LIABILITY WITH RESPECT TO THE INDEX, ANY RELATED INFORMATION, THE TRADEMARKS, OR THE PRODUCT(S) (INCLUDING WITHOUT LIMITATION, THEIR QUALITY, ACCURACY, SUITABILITY AND/OR COMPLETENESS).
The MSCI USA Balanced FC Index is owned and administered by Merrill Lynch International with a license from MSCI Inc. (“MSCI”) to reference MSCI and the MSCI USA Index in its name. The MSCI USA Index is owned by MSCI Inc. MSCI and its index names are service mark(s) of MSCI or its affiliates. The fixed index annuity product referred to herein is not sponsored, endorsed, or promoted by MSCI, and MSCI bears no liability with respect to such fixed index annuity product. No purchaser, seller or holder of this fixed index annuity product, or any other person or entity, should use or refer to any MSCI trade name, trademark, or service mark to sponsor, endorse, market, or promote this fixed index annuity product without first contacting MSCI to determine whether MSCI’s permission is required. Under no circumstances may any person or entity claim any affiliation with MSCI without the prior written permission of MSCI. Additional information relating to MSCI can be found at https://gmi.ml.com/electronic_media/ESPG/docs/msciusa/MSCIDisclaimers3.pdf.
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