Offer clients annuity strategies
to help them have a more secure future.
Some clients want to build and protect their retirement savings, some want an income stream now while others are planning for retirement income starting in the future. We have a range of annuity products to help meet all these different challenges.
Meeting a Broad Range of Client Needs
Investors should consider the features of the contract, index strategies, 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 or by contacting the National Sales Desk. Clients should read the prospectus carefully before investing.
Annuities are issued by The Prudential Insurance Company of America, 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. Prudential Annuities is a business of Prudential Financial, Inc.
An annuity is a long-term investment designed for retirement purposes. 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. 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.
Index-linked variable annuity products are complex insurance and investment vehicles and are long-term investments designed for retirement purposes. There is risk of loss of principal if negative index returns exceed the selected protection level. Gains or losses are assessed at the end of each term. Early withdrawals may result in a loss in addition to applicable surrender charges. Please reference the prospectus for information about the levels of protection available and other important product information.
A fixed indexed annuity (FIA) is a tax-deferred financial tool designed for the long term. It offers a level of protection for your clients’ money against loss with the opportunity for it to grow based on the performance of a specific market index, or combination of indices. With an FIA, your clients’ money is not actually invested in any index, but rather may earn interest based on the index’s performance. There may typically be upper limits known as cap rates and participation rates, 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 PruSecure Important Information Disclosure Statement PDF opens in a new window and/or the SurePath Important Information Disclosure Statement PDF opens in a new window.
A ﬁxed annuity is a ﬁnancial tool that provides a guaranteed rate of return on the principal amount for a speciﬁed period. Withdrawals from a ﬁxed annuity may be subject to surrender charges and/or Market Value Adjustment. For complete information, please refer to the Important Disclosure Statement PDF opens in a new windowwhich is also available from your ﬁnancial professional.
All references to guarantees, including the beneﬁt payment obligations, arising under the annuity contract guarantees, any index strategy crediting or annuity payout rates are backed by the claims-paying ability of Prudential Annuities Life Assurance Corporation do not apply to the underlying investment options. Those payments and the responsibility to make them are not the obligations of the third party broker/dealer from which this annuity is purchased or any of its aﬃliates.
Withdrawals in excess of the income amount impact the value of a product or benefit and can also affect the certainty of the income. An excess withdrawal occurs when cumulative Lifetime Withdrawals exceed the income amount in an annuity year. If an excess withdrawal is taken, only the portion of the Lifetime Withdrawal that exceeds the remaining income amount for that year will proportionally and permanently reduce future guaranteed amounts. If an excess withdrawal reduces the account value to zero, no further amount would be payable and the contract terminates.
Optional living and death benefits may not be available in every state and may not be elected in conjunction with certain optional benefits. Optional benefits have certain investment, holding period, liquidity, and withdrawal limitations and restrictions. The benefit fees are in addition to fees and charges associated with the basic annuity. Please see the prospectus for more information.
All products and/or options may not be available in all states or with all firms.
Prudential Annuities and its distributors and representatives do not provide tax, accounting, or legal advice. Please have clients consult their own attorney or accountant.
Created Exclusively For Use by Financial Professionals. Not For Consumer Use.
For Compliance Use Only: 1003631-00016-00