Immediate Income Annuities

Why choose an immediate-income annuity?

An immediate-income annuity has little or no accumulation phase. You purchase it with one payment and may begin receiving income payments right away. It could help secure your financial future by locking in a guaranteed income stream.

The Prudential Immediate Income Annuity

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The Prudential Immediate Income Annuity is a fixed annuity designed to help provide maximum, guaranteed income in retirement. Available to clients age 89 and under, provides you with certainty through consistent and steady income backed by the strength of The Prudential Insurance Company of America.

The Prudential Immediate Income Annuity provides:

  • A guaranteed income to supplement traditional income sources like Social Security and pensions
  • A selection of payout options, including payouts for a certain period of time, lifetime income, or income for joint lives
  • Income that is not impacted by market swings
  • Preferential tax treatment on income from after-tax (non-qualified) assets.

Minimum Investment Amount

You make one payment of a minimum of $10,000 and receive future payments that can be set to last a lifetime.

Protection For Your Beneficiaries

If you die after payments begin, payments may continue to the surviving owner, if any, otherwise to the beneficiary, based on the payout options selected.


The Prudential Insurance Company of America, a Prudential Financial company, is solely responsible for its own financial condition and contractual obligations.

Annuity contracts contain exclusions, limitations, reductions of benefits and terms for keeping them in force. Your licensed financial professional can provide you with complete details.

Your needs and suitability of annuity products and benefits should be carefully considered before investing.

Prudential Annuities and its distributors and representatives do not provide tax, accounting, or legal advice. Please consult your own attorney or accountant.

Annuity income payments and any distribution made under the annuity 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.

With the Prudential Immediate Income Annuity, the payout option you select determines whether certain features are available to you. Please review the Important Information document carefully before selecting your payout option.

Certain features of the product may not be available in all states.

© 2014 Prudential Financial, Inc. and its related entities. Prudential Annuities, Prudential, the Prudential logo, the Rock symbol, and Bring Your Challenges are service marks of Prudential Financial, Inc. and its related entities, registered in many jurisdictions worldwide.

Issued on contract: PI-SPIA/IND(2/14), et al. or state variation thereof.

0185926-00005-00 Ed. 10/2014