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Annuity Strategies for Every Retirement Challenge

different people have different retirement needs and goals. that’s why we offer annuity products to help you plan for a more secure future for you and your loved ones.

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Variable Annuities

 

Variable annuities can provide guaranteed income and investment flexibility

Prudential Defined Income Variable Annuity

prudential defined income variable annuity lets you know exactly what your guaranteed lifetime income will be.

Prudential Premier® Investment Variable Annuity

仟喜彩prudential premier investment variable annuity offers growth efficiencies and a full range of investment options.

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Variable Annuities with Optional Benefits

 

Variable annuities with optional benefits can offer enhanced guarantees and benefits for an additional fee

Highest Daily Lifetime® Income Optional Benefit

仟喜彩highest daily lifetime income optional benefit can help provide guaranteed daily growth of your retirement income - regardless of how the market performs.

Legacy Protection Plus Optional Death Benefit

仟喜彩legacy protection plus optional death benefit can help you protect your legacy from market fluctuations while it continues to grow.

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Variable Annuities available through Registered Investment Advisors

 

Variable annuities can add protected lifetime income to your overall plan

Prudential MyRock Advisor Variable Annuity with the Defined Income Benefit

myrock advisor is a flexible income solution with an optional guaranteed lifetime income benefit and customizable features that can evolve as your needs change.

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Fixed Indexed Annuities

 

Fixed indexed annuities offer protection from market loss and opportunities for growth

PruSecure® Fixed Indexed Annuity

prusecure fixed indexed annuity offers you guaranteed protection against market loss and the opportunity to grow your money.

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Fixed Indexed Annuities available through Independent Marketing Organizations

 

Fixed indexed annuities provide growth and protection opportunities to protect lifetime income.

SurePath Fixed Indexed Annuity

仟喜彩surepath fixed indexed annuity offers both protection from market volatility and opportunity for growth.

SurePath Income Fixed Indexed Annuity

surepath income fixed indexed annuity protects your lifetime income investment during market downturns while offering growth opportunities.

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What Can an Annuity Do for You?

  • Create guaranteed income for life
  • Help protect future income from market downturns
  • Offer flexible, tax-efficient investing
  • Provide a death benefit for loved ones

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Talk to Your Financial Professional About Adding an Annuity to Your Retirement Strategy.

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Helpful Information

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Access the Forms You Need

Market Performance & Prices

仟喜彩view the historical performance of the investments we offer and daily prices.

Have an Annuity?

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Disclaimer

Investment and Insurance Products:
Not FDIC insured   |   Not Insured by FDIC or any federal government agency
Not a deposit or other obligation of, or guaranteed by, the bank or any of its affiliates

annuities are issued by pruco life insurance company (in new york, by pruco life insurance company of new jersey), located in newark, nj (main office), or by prudential annuities life assurance corporation located in shelton, ct. (main office). variable annuities are distributed by prudential annuities distributors, inc., shelton, ct. all are prudential financial companies and each is solely responsible for its own financial condition and contractual obligations. prudential annuities is a business of prudential financial, inc.

What is a variable annuity?

仟喜彩a variable annuity is a contract with an insurance company. it's a long-term investment designed for retirement purposes. you invest money in professionally managed investment portfolios, where it accumulates tax-deferred. investment returns and the principal value of an investment will fluctuate so that an investor’s units, when redeemed, may be worth more or less than the original investment. when you retire, your investment can be used to generate a stream of regular income payments that are guaranteed for as long as you live. in addition, variable annuities may provide a guaranteed death benefit for your beneficiaries. it is important to remember that annuity contracts contain exclusions, limitations, reductions of benefits and terms for keeping them in force.

What happens if I need access to my variable annuity?

there are limitations and restrictions when making withdrawals. withdrawals or surrenders may be subject to contingent deferred sales charges. withdrawals and distributions of taxable amounts are subject to ordinary income tax and, if made prior to age 59½, may be subject to an additional 10% federal income tax penalty, sometimes referred to as an additional income tax. withdrawals reduce the account value and the living and death benefits proportionately.

What is a fixed indexed annuity?

a fixed indexed annuity (fia) is a tax-deferred financial tool designed for the long term. it offers a level of protection for your money against loss with the opportunity for it to grow based on the performance of a specific market index, or combination of indices. with a fia, your money is not actually invested in any index, but rather may earn interest based on the index's performance. there is typically an upper limit, known as a "cap," on the amount of potential interest credited in a given period, as well as a "floor" that offers downside protection. for complete information about the annuity, please refer to the which is also available from your financial professional.

What happens if I need access to my fixed indexed annuity?

仟喜彩after the first contract year, you may withdraw up to 10% of the account value (based on the previous contract anniversary, after all index/interest credits are applied) without surrender charges or a market value adjustment (mva). if you need more than the free withdrawal amount, you can withdraw as much of your account value as you need, but keep in mind that surrender charges and an mva will apply. if you make a full withdrawal of your annuity, you will receive the greater of your account value (minus any surrender charges and adjusted by any applicable mva) and your minimum guaranteed surrender value. any withdrawals taken before your first contract anniversary will be subject to surrender charges and an mva will apply. also, it's important to note that if you take a withdrawal or annuitize your contract, taxes will apply. the tax treatment will differ depending on whether you purchased your annuity with pre-tax (qualified) or after-tax (non-qualified) dollars. please consult your tax advisor for more information.

Why does the company behind the annuity matter?

仟喜彩when the time comes for you to use the benefits that are offered by an annuity, it is important to remember that all guarantees, including any optional benefits, are backed by the claims-paying ability of the issuing insurance company.

Who can help me determine if an annuity is right for me?

仟喜彩your financial professional can help you determine if an annuity is suitable for you. prudential annuities and its distributors and representatives do not provide tax, accounting, or legal advice. please consult your own financial professional or accountant when making important investment decisions. the selections you choose together with your financial professional are all dependent on your investment goals and your risk tolerance.

Footnote

all references to income certainty and guarantees, including optional benefits, are backed by the claims-paying ability of the issuing company and do not apply to the underlying investment options.

Investors should consider the features of the contract and the underlying portfolios’ investment objectives, policies, management, risks, charges and expenses carefully before investing. This and other important information is contained in the prospectus, which can be obtained on the prospectus page or from your financial professional. Please read the prospectus carefully before investing.

this material may not be approved in all states.

issued on contracts: p-ob/ind(5/14), p-oc/ind(5/14), p-bbnd(2/13), icc17-fiae(11/17), fiae/ind(11/17), p-blx/ind(2/10), p-cr/ind(2/10), icc19‐p‐va/ind(6/19), p‐va/ind(6/19), icc17-fiac(11/17) or fiac/ind(11/17), or state variation thereof.

issued on endorsements: icc17-fia-p2p(11/17), icc17-fia-mva(11/17), or end-fia-mva(11/17), or state variation thereof with schedules icc17-fia-p2p-sch(11/17), icc17-fia-mva-sch(11/17), or end-fia-mva-sch(11/17), icc19-fia-p2p(4/19), icc19-fia-p2p-par(4/19), icc17-fia-mva(11/17), icc19-end-imoglwb(6/19) with schedules icc19-fia-p2p-sch(4/19), icc19-fia-p2p-par-sch(4/19), icc17-fia-mva-sch(11/17), icc19-sch-imoglwb(6/19) or end-fia-p2p(4/19), end-fia-p2p-par(4/19), end-imoglwb(6/19) or state variation thereof with schedules end-fia-p2p-sch(11/17), sch-fia-p2p-par(4/19), end-fia-mva-sch(6/19), sch-imoglwb(6/19), or state variation thereof.

仟喜彩issued on riders: p-rid-hd(2/14), p-rid-dbroll(5/17), icc19‐p‐rid‐li(6/19), p‐rid‐li(6/19), p-rid-li-db(5/14), icc19‐p‐sch‐li(6/19), p‐sch‐li(6/19), icc19‐p‐rid‐rop(6/19), p‐rid-rop(8/19), icc19‐p‐sch‐rop(6/19), p‐sch‐rop(6/19) or state variation thereof.

 

1000371

仟喜彩1000371-00004-00

 

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