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Daily Income Growth, Lifetime Income Flexibility Prudential Fixed Annuity with Daily Advantage Income BenefitSM
A flexible annuity solution that provides clients guaranteed lifetime income now or whenever they’re ready. It also includes daily growth of future income until income begins, with no exposure to market risk.
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Prudential Fixed Annuity with Daily Advantage Income Benefit offers clients:
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Lifetime Income
Lifetime Income
Guaranteed lifetime income that’s predictable – whether clients choose to start it now or let it grow for the future
Guaranteed DAILY Growth
Guaranteed DAILY Growth
The client’s future income amount is guaranteed to increase DAILY, regardless of market performance, until they start taking income
Protection
Protection
Client account values are protected from market risk – and accessible any time before or after income begins*
Control
Control
Clients control when they start income and how much of it they’ll take each year. Any amount not taken is carried over into future years, and clients can use it how and when they want
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Income now or whenever
Income now or whenever
With Daily Advantage Income, clients can begin taking income immediately, or whenever they are ready. Every day they wait means guaranteed daily growth of their lifetime income until they start taking income.
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The 365 Day Advantage
Compared to other annuities that credit income growth annually on the contract anniversary, Daily Advantage Income enhances the client’s
lifetime income by crediting guaranteed income growth DAILY. This means they lock in more lifetime income 365 days a year – not just once
a year – giving them the flexibility to retire on their own terms and still receive more income for life.
Daily Crediting: Guaranteed income growth is credited every day – clients can start income
any day during their contract year and still receive more income for life
Annual Crediting: Guaranteed income growth is credited once a year – meaning clients have
to wait until their contract anniversary to receive an increased Guaranteed Income Amount
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Age | Daily Crediting | Annual Crediting |
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63 | $5,350 | $5,350 |
64 | $5,671 | $5,671 |
64.5 | $5,831 | $5,671 |
Daily advantage income provides $160 more guaranteed income, every year of life. |
For illustrative purposes only. In this example, we are assuming: $100,000 Total Purchase Payments, single coverage, 5.35% Withdrawal Percentage, 6.00% Income Growth Rate, no withdrawals before Lifetime Withdrawals begin. The initial Guaranteed Income Amount could be more or less, depending on circumstances. Please note some of the values have been rounded down for illustrative purposes. Rates are subject to change.
Contact your wholesaler or call us at 844-408-0403
to run a custom illustration
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Helping Clients Have Income Their Way
Helping Clients Have Income Their Way
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Partner with us, and we’ll invest in you.
Partner with us, and we’ll invest in you.
Contact your wholesaler today and have our team of experts and resources work for you.
Call us at 844-408-0403
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Prudential Fixed Annuity Specifications
Features | Specifications | ||||||||||||||||||
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Minimum Purchase Payments | Initial: $25,000 / Subsequent: $100 | ||||||||||||||||||
Issue Ages | Minimum: 45 / Maximum: 85
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Interest Crediting |
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Guaranteed Minimum Interest Rate | The renewal rate will never be less than the Guaranteed Minimum Interest Rate specified in the contract | ||||||||||||||||||
Minimum Guaranteed Surrender Value | Upon surrender, death or annuitization, the client will never receive less than the Minimum Guaranteed Surrender Value which is equal to 87.5% of the Total Purchase Payment(s), less any net withdrawals, accumulating at a fixed interest rate credited daily at the annual yield of at least 1.00% | ||||||||||||||||||
Free Withdrawals |
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Surrender Charge Period and Schedule | The Surrender Charge is determined by applying the applicable Surrender Charge percentage to the amount of the withdrawal or surrender that exceeds the Free Withdrawal amount.
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Market Value Adjustment (MVA) |
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Latest Annuity Date | No later than the first contract anniversary on or after the oldest owner or annuitants’ 95th birthday | ||||||||||||||||||
Death Benefit |
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Daily Advantage Income Benefit Specifications
Features | Specifications |
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Guaranteed Lifetime Withdrawal Benefit (GLWB) |
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Annual Benefit Charge | The annual benefit charge for both single and spousal contracts is equal to 0.95% of the Account Value on the contract anniversary and is deducted on the contract anniversary |
Guaranteed Income Amount (GIA) |
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Withdrawal Percentages |
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Income Growth Rate |
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Non-Lifetime Withdrawals |
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Lifetime Withdrawals |
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Income Reserve Feature and Stored Income |
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Excess Income |
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Why You Should Work With Prudential
Why You Should Work With Prudential
It’s simple.
We're a leading voice in the income planning conversation.
We’ve got a whole suite of programs to help educate and engage clients. Ways to get the conversation started. A full toolkit to help you every step of the way, from awareness to consideration to conversion to loyalty to advocacy.
- The Conversations campaign talks about what annuities are and why income for life is so important.
- The Value of an Annuity program highlights the positive financial and emotional impact protected monthly income can have on clients’ retirement.
- The Retirement Red Zone focuses on the critical time when clients need a strategy for turning their savings into income that can last a lifetime.
- The Women's program provides a toolkit to help you engage more women in important conversations about retirement and protected lifetime income.
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Disclaimer
Annuities are issued by Prudential Annuities Life Assurance Corporation (PALAC) , a Prudential Financial company, located in Shelton, CT (main office). Prudential Annuities is a business of Prudential Financial, Inc.
This material is being provided for informational or educational purposes only and does not take into account the investment objectives or financial situation of any client or prospective clients. The information is not intended as investment advice and is not a recommendation about managing or investing your retirement savings. Clients seeking information regarding their particular investment needs should contact a financial professional.
Footnote
* Withdrawals may be subject to surrender charges and a Market Value Adjustment. Please see the product brochure and the Important Information Disclosure Statement PDF opens in new window for additional information.
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. Withdrawals taken during the surrender charge period, excluding any Required Minimum Distributions (RMDs) calculated by Prudential, will be subject to any applicable surrender charges and a Market Value Adjustment (MVA).
May not be available in all states or broker dealers.
All references to guarantees, including the benefit payment obligations arising under the annuity contract guarantees, rider guarantees, any fixed account crediting rates and annuity payout rates are backed by the claims-paying ability of Prudential Annuities Life Assurance corporation. 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.
Rates are subject to change at any time. Please refer to the current rate sheet for more information.
Prudential Annuities and its distributors and representatives do not provide tax, accounting, or legal advice. Please have clients consult their own attorney or accountant.
For Financial Professional Use Only. Not for Use with the public.
For Compliance Use Only: 1033289-00001-00