Investors should carefully consider a mutual fund's investment objectives, risks, charges, and expenses before investing. For more complete information about the investment options available through your account, please select the corresponding link for a free prospectus that contains this and other information about our funds. For variable insurance products, please consider carefully both the contract prospectus and underlying-fund prospectus before investing.

You get tax deferral of your investment earnings through the qualified retirement plan in which you participate. Because you already enjoy this tax deferral, your decision to invest in the XYZ variable annuity should be based on the annuity's investment and insurance features, such as the ability to annuitize and the death benefit.

Annuities are longer term investments intended for retirement savings. They contain fee, exclusions, limitations, reductions of benefits, and terms for keeping them in force.

The sale or liquidation of any stock, bond, IRA, certificate of deposit, mutual fund, annuity, or other asset to fund the purchase of this product may have tax consequences, early withdrawal penalties, or other costs or penalties as a result of the sale or liquidation. You or your agent may wish to solicit independent legal or financial advice before selling or liquidating any assets, and prior to the purchase of any life or annuity products being solicited, offered for sale, or sold.

Amounts withdrawn before age 59½ may be subject to a 10% federal income tax penalty, applicable taxes, and plan restrictions. Withdrawals are generally taxed at ordinary income tax rates.

Prudential Retirement Security Annuity, which includes the Prudential IncomeFlex guaranteed minimum withdrawal benefit, is a variable annuity issued by Prudential Retirement Insurance and Annuity Company, Hartford, CT (PRIAC).

You must be age 50 or older to take advantage of the Prudential Retirement Security Annuity with IncomeFlex.

The PruSecure Account is a group annuity product issued by The Prudential Insurance Company of America (PICA), Newark, NJ 07102. Amounts contributed to the contract are deposited in PICA's general account. Payment obligations and the fulfillment of any guarantees specified in the group annuity contract are insurance claims supported by the full faith and credit of PICA. PICA periodically resets the interest rate credited on contract balances, subject to a minimum rate specified in the group annuity contract. Past interest rates are not indicative of future rates. This product is neither a mutual fund nor a bank product. The obligations of PICA are not insured by the FDIC or any other federal governmental agency. Prudential Retirement is compensated in connection with this product when general account investment returns exceed the interest credited on contract balances. Other than such compensation, there are no additional charges imposed that reduce the interest rate credited.

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Securities products and services are offered by Prudential Investment Management Services LLC (PIMS), Three Gateway Center, 14th Floor, Newark, NJ 07102-4077. Member SIPC. PIMS is a Prudential Financial company. Insurance products are issued by The Prudential Insurance Company of America (California Certificate of Authority No. 1179), Newark, NJ, or its affiliates. Insurance products are issued by The Prudential Insurance Company of America, Newark, NJ, or its affiliates (California Certificate of Authority No. 1179). Prudential Retirement, Prudential Financial, PRU, Prudential and the Rock logo are registered service marks of The Prudential Insurance Company of America, Newark, NJ and its affiliates. California Certificate of Authority No. 1179  Prudential Retirement is a Prudential Financial business. The Smart Solutions IRA product invests in Prudential managed funds. JennisonDryden is a Prudential subsidiary and Prudential earns fees for managing these accounts. These fees are described in the prospectus for each fund. Advisory services provided through Global Portfolio Strategies, Inc., a registered investment adviser and a Prudential Financial company.