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Prudential FlexGuard® Income indexed variable annuity An Income Strategy That Can Be Customized to Each Client's Evolving Needs

Prudential FlexGuard Income is an indexed variable annuity that offers income with various levels of protection and the opportunity to capitalize on market growth, even after clients have started taking income.

Important Information on our Issuing Companies (For Use by Prudential Advisors Financial Professionals Only)
You must refer to the state availability table to determine which issuing company is available in a client's state to ensure acceptance of proper paperwork. FlexGuard Income indexed variable annuity contracts can only be issued by either Pruco Life Insurance Company or Prudential Annuities Life Assurance Corporation (except in NY). Please click here to determine which company is currently offering FlexGuard Income indexed variable annuity.

State Availability by Issuing Company PDF Opens in a New Window

Transition Rules PDF Opens in a New Window

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FlexGuard Income index strategies help clients:

Protect

Select a level of protection that may help limit losses for assets and income

Grow

Grow income percentage each year income is deferred, and participate in the growth potential of the market both before and after income begins*

Accelerate

Enhance growth potential of future income in up markets with unique crediting strategies before income begins

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*Clients receive a fully protected, fixed payment for life if their account value reaches zero.
Surrender charges and underlying fund expenses may apply in the event of an early withdrawal.

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How FlexGuard Income Works 

There are three stages on the journey to and through retirement with FlexGuard Income:

The Savings Stage – while clients are potentially increasing their future income
The Income Stage – while clients are receiving income
The Insured Stage – while clients are protected from outliving their assets

When clients purchase FlexGuard Income, you will help them make choices, custom-building their annuity to meet their individual income needs and goals. Throughout both the Savings and Income Stages, clients create their growth and protection strategy by selecting:

Growth opportunity through index crediting strategies
Protection level through “buffers”
Time to invest through “index terms”
Market index or indices to track

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Here's how each of the index crediting strategies work:

These three index crediting strategies determine how their money may grow. Choose one or a combination of them. Any growth is based on the index return.

Point-to-Point with Cap Rate Strategy

Cap rate bar chart

You receive any positive index growth up to an upper limit called a “cap.”

 

Step Rate Plus Strategy
(only available in the Savings Stage)

Step rate and strategy bar chart

Underperform – Index return is between 0 and the Step Rate:
You receive the Step Rate.

Outperform – Index return is greater than Step Rate:
Accelerated growth opportunity (additional growth) – you receive the greater of: a percentage of the index return (the Participation Rate) OR the Step Rate.

Tiered Participation Rate Strategy
(only available in the Savings Stage)


Tiered participation rate strategy bar chart

Tier 1 – Index return is between 0 and the Tier Level:
You receive 100% of any positive index growth.

Tier 2 – Index return is greater than the Tier Level:
Participation Rate is MORE than 100% – giving you accelerated growth opportunity for any index growth above the Tier Level.

For illustrative purposes only. Strategy terms, rates and buffers are subject to change and are not guaranteed. Not intended to predict index or strategy performance.
Investing in Prudential FlexGuard Income's index strategies does not represent a direct investment in an index.
For complete product information, please reference the  client brochure PDF opens in new window,  index strategy rates and caps PDF opens in a new windowproduct prospectus opens in new window and  income benefit supplement. PDF opens in new window
With FlexGuard Income's index crediting strategies, client money is not actually invested in any index, but may earn interest based on the performance of the index.
FlexGuard Income also offers growth potential through a variable subaccount which can also be mixed and matched in any percentage. The variable subaccount does not offer downside protection through buffer levels.

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Choose clients’ levels of downside protection

Levels of downside protection against market losses for assets and income are provided through the buffer. The client’s Account Value and Annual Income amount are protected from market losses that are within the chosen buffer level and can only decrease for the amount the negative index return exceeds the buffer. The buffer will vary by the selected strategy, term length, and index elected. Not all term and buffer options are available for each index crediting strategy. During the Income Stage, clients can only allocate to the 1-year Point-to-Point with Cap Rate strategy and the accompanying buffer levels.

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A variable subaccount is also offered with this product during the Savings Stage. It does not offer downside protection. Please refer to the product prospectus for fund investment strategy and fee information.

Indexed-linked variable annuity products are complex insurance and investment vehicles. 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.

 


 

Index Options

FlexGuard Income index crediting strategies provide growth potential based on the market performance of the indices clients choose. Choose one or a combination of the indices below.

 

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S&P 500®

A leading gauge of the U.S. equities market – the Standard & Poor’s 500 Index includes 500 of the largest companies on the New York Stock Exchange and NASDAQ.

iShares Russell® 2000 ETF

The iShares Russell® 2000 ETF seeks to track the investment results of the Russell® 2000 Index, an index composed of small-capitalization U.S. equities. The Russell® 2000 Index measures the performance of the small capitalization sector of the U.S. equity market, as defined by FTSE Russell. Learn More about the ishare russell 2000 ETF

Invesco QQQ ETF

Invesco QQQ ETF is an exchange-traded fund that seeks to track investment results of the Nasdaq-100 Index®. The Index includes the 100 largest non-financial companies listed on the Nasdaq® based on market cap. Learn More about the Invesco QQQ ETF

MSCI EAFE

The MSCI EAFE is designed to measure the performance of a selection of stocks in 21 developed markets outside of the U.S. and Canada. The oldest international stock index, it is the most common benchmark in the US for foreign stock funds.

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Please note that it is not possible to invest directly in an index. When you allocate to an Index Strategy that is linked to the performance of an ETF you are not investing in the ETF. Index-based ETFs seek to track the investment results of a specific market index. Due to a variety of factors, including the fees and expenses associated with an ETF, an ETF’s performance may not fully replicate or may, in certain circumstances, diverge significantly from the performance of the underlying index. This potential divergence between the ETF and the specific market index is known as tracking error. A variable subaccount is also offered with this product during the Savings Stage. Please see the product prospectus for fund investment strategies and fee information.

FlexGuard Income and all its features may not be approved in all states or with all broker-dealers.

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Tools to help educate clients

Use our secure online experience to:

  • Access FlexGuard Income illustrations
  • Download marketing material
  • Service existing Prudential Annuities clients

  Sign in Opens in new window

Or Download our client-approved brochure   PDF opens in new window, product prospectus   PDF opens in new windowrate sheet   PDF Opens in New Window  and income benefit supplement   PDF Opens in New Window to share with clients and help educate them about FlexGuard Income.

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See FlexGuard Income in Action

This tool allows you to compare how various index crediting strategies, protection
levels, and term lengths may perform in different market scenarios and impact the Annual Income Amount.

The performance results of each index option are based on historical data, illustrations do not reflect the variable subaccount.
Refer to the detailed website for additional product information that may help in your use of the tool.

Want to use this tool with clients? Use the client-approved version instead

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Hypothetical example for illustrative purposes. Assumes the Account was held for the full Index Strategy Term and subsequent renewed terms where applicable. Assumes no withdrawals during the Savings Stage. Past performance does not guarantee future results. Your actual results will vary.

The content on this page is for Financial Professional use only.

 

  • Performance Disclosure

    These results were calculated using annual historical index returns and current strategy rates as of the run date of the illustration, which we assumed did not change at any time during the time period illustrated.

    Index Strategy credits are based on current strategy rates at time of the illustration run date and assumed were renewed at those rates for the time period displayed within this illustration. Renewal Cap Rates, Step Rates, and Participation Rates may be higher or lower than the initial rates but will never be less than the Guaranteed Minimum Rates. Tier Levels may be higher or lower than the initial Tier Level but will never be higher than the Guaranteed Maximum Tier Level. Subsequent rates and Tier Levels may differ from the rates and Tier Levels used for new contracts or for other contracts issued at different times

    This interactive illustration is hypothetical and based on the index crediting strategy(ies) selected. Index Strategy credits will fluctuate, and may be negative, so that the Account Value, when redeemed, may be worth more or less than the original purchase amount. If a withdrawal is taken from an Index Strategy during the term period, the Interim Value will apply; however it is not illustrated.

    We assess a yearly benefit charge of 1.45%. For Index Strategy Terms longer than one year, the values illustrated prior to the Index Strategy End Date reflect the Index Strategy Base as reduced by any benefit charge as we are not illustrating Interim Values.

    A variable subaccount is also offered with this product during the Savings Stage, however it is not included for illustration purposes. Please refer to the product prospectus for fund investment strategies and fee information.

    The interactive illustration does not reflect the effect of income taxes, penalty taxes, and premium taxes. Withdrawals or surrenders may be subject to contingent deferred sales charges and Interim Value of the index strategies. If the variable investment options are elected, the contract is subject to mortality, expense, and administration charges of 1.30%, and any applicable underlying fund expenses. 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 death benefits.

     

    Methodology Disclosure

    The Down/Up Market scenarios are hypothetical returns based upon a common return history of calendar year end returns from 2001-Current. These scenarios use an arithmetic average return of all the indices available on the product, to determine the return applicable to the contract.

    Down Market: The Down Market is the 10-year period during which the annual average return of all indices resulted in the lowest compounded total return over the 10-year period for which there was common return history. The time period used to calculate the applicable Down Market returns is 2001-2010 based on common history of all available indices.

    Up Market: The Up Market is the 10-year period during which the annual average return of all indices resulted in the highest compounded total return over the 10-year period for which there was common return history. The time period used to calculate the applicable Up Market returns is 2011-2020 based on common history of all available indices.

    If the illustrated duration extends beyond 10 years, the 10-year Down and Up Market returns are repeated until the conclusion of the illustration.

     

    For Compliance Use Only:

    1049084-1

    1049084-00001-00

     

    • Account Value – The total value of any allocations in the variable subaccount and the index crediting strategies ("Index Strategies") using the Interim Value for each Index Strategy.
    • Annual Income Amount – The annual amount that can be withdrawn without being considered Excess Income during the Income Stage. The Annual Income Amount will vary from year to year and can be lower in one Annuity Year than in the prior Annuity Year even if no Excess Income is taken.
    • Annuity Year – The twelve-month period beginning on the Issue Date and continuing through and including the day immediately preceding the first anniversary of the Issue Date. Subsequent Annuity Years begin on the anniversary of the Issue Date and continue through and include the day immediately preceding the next anniversary of the Issue Date.
    • Benefit – An Index-Linked Variable Income Benefit that is automatically included with the contract at issue and becomes effective on the Index Effective Date.
    • Buffer – The amount of protected negative Index Return applied to an Index Strategy at the end of an Index Strategy Term.
    • Cap Rate – For the Point-to-Point with Cap Rate Index Strategy the maximum rate percentage that can be credited at the end of an index term; the Cap Rate is set prior to the start of each index term. A different Cap Rate may be declared for different indices and different Index Strategy Terms.
    • Death Benefit – Return-of-premium death benefit is available on all contracts for no additional charge. It is equal to the greater of: 1) Account Value: The money in the account at the time of death or 2) Purchase Payments: The total of the payments the client made since the issue date, reduced proportionally by any withdrawals.
    • Excess Income – All or any portion of an Income Withdrawal that causes cumulative withdrawals to exceed the Annual Income Amount, including any applicable Contingent Deferred Sales Charge, in an Annuity Year during the Income Stage. Each withdrawal of Excess Income proportionally reduces the Annual Income Amount for future years.
    • Free Withdrawal Amount – The amount of money that can be withdrawn from the annuity each year during the surrender charge period, without incurring a surrender charge. This amount is equal to 10% of the Account Value the previous anniversary after the first year. Withdrawals greater than the Free Withdrawal are subject to Contingent Deferred Sales Charge.
    • Income Deferral Rate (also referred to as “deferral credit”) – An annual percentage added to the Income Percentage each year during the Savings Stage until the Income Effective Date. The Income Deferral Rate is based on the age of the Protected Life or the younger of the Joint Protected Lives on the Index Effective Date and does not change for the life of the Contract.
    • Income Effective Date – The date the client elects to start the Income Stage under the Benefit. The Income Effective Date must be on an Index Anniversary Date.
    • Income Percentage – The rate applied to determine the initial Annual Income Amount. The Income Percentage is based on the age of the Protected Life, or the younger of the Joint Protected Lives on the Index Effective Date. Prior to the Income Effective Date, the Income Percentage includes any applicable Income Deferral Rate credits. If the Joint Protected Life has been added, changed, or removed before the Income Effective Date, the Annual Income Amount will be based on the applicable Income Percentage and Income Deferral Rate based on the younger of the Protected Life or Joint Protected Lives as of the Index Effective Date.
    • Income Stage – The time period beginning on the Income Effective Date and ending on the Valuation Day the Insured Income Stage begins.
    • Index (Indices) – The underlying Index or exchange traded fund associated with an Index Strategy and used to determine the Index Return in determining the Index Credit. The Owner does not directly participate in an Index.
    • Index Anniversary Date – The same day, each calendar year, as the day of the initial allocation to an Index Strategy (Index Effective Date). This is the date where a contract Owner can allocate available funds to a new Index Strategy.
    • Index Credit – The amount the Owner receives on an Index Strategy End Date based on the Index Return and the Index Strategy. The Index Credit can be negative, meaning the Owner can lose principal and prior earnings. Index Effective Date – The first day of the first Index Strategy allocation.
    • Index Strategy (also referred to as "index crediting strategy") – An allocation option that provides a return based on the underlying Index associated with the Strategy, Buffer, and Index Strategy Term. A contract Owner does not directly participate in an Index.
    • Index Strategy End Date – The last day of an Index Strategy Term. This is the day any Index Return would be credited to the Index Strategy, if applicable.
    • Index Strategy Start Date – The first day of an Index Strategy Term.
    • Interim Value – The value of an Index Strategy on any Valuation Day during an Index Strategy Term. It is a calculated value and is used when a withdrawal, death benefit payment, transfer, annuitization, or benefit charge surrender occurs mid-term.
    • Insured Stage – Once the Account Value is reduced to $0 as a result of Income Withdrawals in any Annuity Year that are less than or equal to the Annual Income Amount, you receive the last calculated Annual Income Amount for life.
    • Issue Date – The effective date of the Annuity. The Issue Date is established when Prudential receives the complete Purchase Payment and all information required for the purchase of a Contract in Good Order.
    • Owner – An eligible entity or person named as having ownership rights in relation to the annuity.
    • Participation Rate – The percentage of any Index increase that will be used in calculating the Index Credit at the end of an Index Strategy Term for the Tiered Participation Rate Index Strategy or the Step Rate Plus Index Strategy during the Savings Stage. A different Participation Rate may be declared for different Index Strategies and Buffers.
    • Savings Stage – The period of time before the Income Effective Date and begins on the Issue Date of the contract.
    • Step Rate – The declared rate that may be credited to amounts allocated to the Step Rate Plus Index Strategy for any given Index Strategy Term if the Index Return is between zero and the declared Step Rate during the Savings Stage. A different Step Rate may be declared for different Indices.
    • Surrender Charge – A type of charge that may be deducted when a surrender or partial withdrawal from the annuity occurs that is greater than the Withdrawal Amount.
    • Tier Level – The declared Index Return that is used to determine which Participation Rate tier applies in the calculation of Index Credit for Tier Level 1 and Tier Level 2 in the Tiered Participation Rate Index Strategy during the Savings Stage.
    • Variable Subaccount – A division of the Variable Separate Account available during the Savings Stage.
    • Waiting Period – The length of time you must wait before electing the Income Effective Date.

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FlexGuard Income indexed variable annuity product details

 

Basic Contract Design

FlexGuard Income indexed variable annuity product details

Minimum Premium Payment

Initial: $25,000 Subsequent: Not permitted

Issue Ages

Minimum: 45 / Maximum: 80
Contracts may not be issued on or after the 81st birthday of the oldest of all owners and annuitants

Income Benefit Election, Charge, and Cancellation

The FlexGuard Income Benefit (Single Protected Life or Joint Protected Lives) is built-in with the purchase of the contract for an annual charge of 1.45%.

The Benefit may be canceled after the Waiting Period. Once cancelled, the Benefit charge is no longer assessed. The Benefit may not be re-elected once it has been canceled.

Contingent Deferred Sales Charge (CDSC)

Surrender Charges apply during the first 6 years of the contract as follows: 7%, 7%, 6%, 5%, 4%, 3%, 0%

Surrender Charges are based on the percentage of the amount withdrawn from the Account Value, not the Purchase Payment.

Latest Annuity Date

No later than the first day of the calendar month following the 95th birthday of the oldest of all owners, annuitant or co-grantor.

Income Percentages

Income Percentages automatically increase by an Income Deferral Rate every year the client waits to start income (after a minimum Waiting Period). The Income Percentages, Income Deferral Rate, and Waiting Period can be found in the Index Linked Variable Income Benefit Supplement.

Annual Income Amount

The initial Annual Income Amount is determined by multiplying the account value on the day the client elects to start income by the Income Percentage which has been increased by any Income Deferral Rate credits. Every Index Anniversary thereafter, while there is account value remaining, will result in a recalculation of the Annual Income Amount based on the index credit applied to the Index Strategies to which the client is allocated. The change can be positive or negative depending on the chosen level of protection.

Index Strategies
(All strategies use a buffer to help protect from loss when the index return is negative. Available buffers, which may very by index strategy and term, are 5%, 10%, 15%, 20% and 100%)

1-Year Term Point-to-Point with Cap:

  • S&P 500®
  • MSCI EAFE
  • Invesco QQQ ETF
  • iShares® Russell 2000 ETF

1-Year Term Step Rate Plus:

  • S&P 500®
  • MSCI EAFE

3-Year Term Point-to-Point with Cap:

  • S&P 500®
  • MSCI EAFE
  • iShares® Russell 2000 ETF

6-Year Term Point-to-Point with Cap:

  • S&P 500®
  • MSCI EAFE
  • iShares® Russell 2000 ETF

6-Year Term Tiered Participation Rate:

  • S&P 500®
  • MSCI EAFE
  • iShares® Russell 2000 ETF

Once the client has elected to start income, allocations are limited to the 1-Year Point-to-Point with Cap strategies only.

Minimum Renewal Cap and Participation Rates
Refer to the rate sheet for current rates

Renewal Cap Rates, Step Rates, and Participation Rates may be higher or lower than the initial rates, but will never be less than the Guaranteed Minimum Rates. Tier Levels may be higher or lower than the initial Tier Level, but will never be higher than the Guaranteed Maximum Tier Level. Subsequent rates and Tier Levels may differ from the rates and Tier Levels used for new contracts or for other contracts issued at different times.

RENEWAL RATE GUARANTEES

POINT-TO-POINT WITH CAP RATE
Guaranteed Minimum Cap Rate:

  • 1-year term: 1%
  • 3-year term: 5%
  • 6-year term: 10%

TIERED PARTICIPATION RATE
Guaranteed Minimum Participation Rate: 100%
Guaranteed Maximum Tier Level: 35%

STEP RATE PLUS
Guaranteed Minimum Step Rate: 1%
Guaranteed Minimum Participation Rate: 60%

Free Withdrawals

10% of total premium allowed in the first contract year. After the first contract year, clients may withdraw up to 10% of the account value (based on the previous contract anniversary, after all index credits are applied).

Interim Value

The value of an Index Strategy on any Valuation Day during an Index Strategy Term. There are many external factors that impact the Interim Value including changes in the indices, changes in the interest rate environment, and volatility. Refer to the prospectus for further explanation.

Death Benefit

Return-of-premium death benefit is included on all contracts at no additional cost. It is equal to the account value OR the Purchase Payment reduced proportionally by any withdrawals.

Variable Subaccount

Variable Subaccount PSF® PGIM Government Money Market Portfolio “ Class III “ available after the contract issue date and prior to the election to start income.

A Mortality & Expense & Administrative (M&E&A) of 1.30%, as well as a fund management charge, applies to account value allocated to the Variable Subaccount. Refer to the prospectus for details.

Savings Stage

The Savings Stage is the period of time before the Income Effective Date and begins on the issue date of the contract.

  • The client may allocate their Account Value among any of the Index Strategies and Variable Subaccount(s) we make available.
  • The client must remain in the Savings Stage for at least as long as the Waiting Period (as identified on the Index Linked Income Benefit Supplement). The current Waiting Period is 3 years.

Income Stage

The Income Stage is the time period beginning on the Income Effective Date and ending on the Valuation Day the Insured Income Stage begins.

  • The client may only establish their income Effective Date on an Index Anniversary following the Waiting Period.
  • Upon establishing an Income Effective Date, the client must elect to take their Annual Income Amount based on the Protected Lives or the Joint Protected Lives in effect when we receive their request to do so in Good Order.
  • The 1-year Point-to-Point with Cap Index Strategies will be the only Index Strategies available and no Variable Subaccount(s) will be available during the Income Stage.
  • The Annual Income Amount will be recalculated annually on the Index Anniversary Date by the Index Credit applied to the Index Strategies, gross of fees, to which the client is allocated. The change can be positive, up to the stated Cap, or negatively for amounts excess of the Buffer.
  • The Annual Income Amount may be taken monthly, quarterly, semi-annually, or annually. Any unused Annual Income Amount will not be available in future years.
  • For the Benefit to be considered 'RMD Friendly', the client must establish a systematic withdrawal program under the conditions identified in the prospectus.

Insured Stage

Once the Account Value is reduced to $0 as a result of Income Withdrawals in any Annuity Year that are less than or equal to the Annual Income Amount, we subsequently make Insured Income Stage payments equal to the last calculated Annual income Amount for lilfe.

 

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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 844-207-6982

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Footnotes

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, which can be obtained on the prospectus page or by contacting the National Sales Desk. Clients should read the prospectus carefully before investing.

Annuities are issued by Pruco Life Insurance Company located in Newark, NJ (main office) or by Prudential Annuities Life Assurance Corporation (except in NY) located in Shelton, CT. (main office). Both 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. 

​​This web page is being provided for informational or educational purposes only and does not take into account the investment objectives or financial situation of any clients or prospective clients. The information is not intended as investment advice and is not a recommendation about managing or investing a client’s retirement savings. Clients seeking information regarding their particular investment needs should contact a financial professional.

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.

All 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 the issuing company, and do not apply to the underlying variable 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.

An investment in the PSF® PGIM Government Money Market Portfolio – Class III is neither insured nor guaranteed by the Federal Deposit Insurance Corporation or any other government agency. The fund's sponsor has no legal obligation to provide financial support to the fund, and you should not expect that the sponsor will provide financial support to the fund at any time. Although the Portfolio seeks to preserve the value of your investment at $10.00 per share, it is possible to lose money by investing in the Portfolio.

The S&P 500 Index is a product of S&P Dow Jones Indices LLC ("SPDJI"), and has been licensed for use by Prudential Annuities Life Assurance Corporation and Pruco Life Insurance Company. Standard & Poor's®, S&P® and S&P 500® are registered trademarks of Standard & Poor's Financial Services LLC ("S&P"); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC ("Dow Jones"); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Prudential Annuities Life Assurance Corporation and Pruco Life Insurance Company. Prudential Annuities Life Assurance Corporation and Pruco Life Insurance Company's Products are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the S&P 500 Index.

The iShares® Russell 2000 ETF is distributed by BlackRock Investments, LLC. iShares® and BlackRock®, and the corresponding logos, are registered trademarks of BlackRock, Inc. and its affiliates ("BlackRock") and are used under license. BlackRock has licensed certain trademarks and trade names of BlackRock to Prudential Annuities Life Assurance Corporation and Pruco Life Insurance Company for certain purposes. Prudential Annuities Life Assurance Corporation and Pruco Life Insurance Company's products and services are not sponsored, endorsed, sold, or promoted by BlackRock, and purchasers of such products do not acquire any interest in the iShares® Russell 2000 ETF nor enter into any relationship of any kind with BlackRock. BlackRock makes no representations or warranties, express or implied, to the owners of any products offered by Prudential Annuities Life Assurance Corporation and Pruco Life Insurance Company or any member of the public regarding the advisability of purchasing any product or service offered by Prudential Annuities Life Assurance Corporation or Pruco Life Insurance Company. BlackRock has no obligation or liability for any errors, omissions, interruptions or use of the iShares® Russell 2000 ETF or any data related thereto, or in connection with the operation, marketing, trading or sale of any Prudential Annuities Life Assurance Corporation and Pruco Life Insurance Company product or service offered by Prudential Annuities Life Assurance Corporation and Pruco Life Insurance Company.

All rights in the Russell®2000 Index (the "Index") vest in the relevant LSE Group company which owns the Index. Russell®2000 is a trademark of the relevant LSE Group company and is used by any other LSE Group company under license.

The Index is calculated by or on behalf of Frank Russell Company or its affiliate, agent or partner. The LSE Group does not accept any liability whatsoever to any person arising out of (a) the use of, reliance on or any error in the Index or (b) investment in or operation of Prudential FlexGuard ® Income. The LSE Group makes no claim, prediction, warranty or representation either as to the results to be obtained from Prudential FlexGuard® Income or the suitability of the Index for the purpose to which it is being put by Prudential Annuities Life Assurance Corporation or Pruco Life Insurance Company.

Invesco Capital Management LLC ("ICM") serves as sponsor of Invesco QQQ TrustSM, Series 1 ("Invesco QQQ ETF") and Invesco Distributors, Inc. ("IDI"), an affiliate of ICM serves as distributor for Invesco QQQ ETF. The mark "Invesco" is the property of Invesco Holding Company Limited and is used under license. That trademark and the ability to offer a product based on Invesco QQQ ETF have been licensed for certain purposes by Prudential Annuities Life Assurance Corporation and Pruco Life Insurance Company and its wholly-owned subsidiaries and affiliates (collectively, "Prudential"). Products offered by Prudential are not sponsored, endorsed, sold or promoted by ICM or Invesco Holding Company Limited, and purchasers of such products do not acquire any interest in Invesco QQQ ETF nor enter into any relationship with ICM or its affiliates. ICM makes no representations or warranties, express or implied, to the owners of any products offered by Prudential. ICM has no obligation or liability for any errors, omissions, interruptions or use of Invesco QQQ ETF or any data related thereto, or with the operation, marketing trading or sale of any products or services offered by Prudential.

Nasdaq®, Nasdaq-100®, Nasdaq-100 Index®, and QQQ®, are registered trademarks of Nasdaq, Inc. (which with its affiliates is referred to as the "Corporations") and are licensed for use for certain purposes by Prudential Annuities Life Assurance Corporation and Pruco Life Insurance Company and its wholly-owned subsidiaries and affiliates (collectively, "Prudential"). Prudential FlexGuard® Income ("Product") has not been passed on by the Corporations as to their legality or suitability. The Product is not issued, endorsed, sold, or promoted by the Corporations. THE CORPORATIONS MAKE NO WARRANTIES AND BEAR NO LIABILITY WITH RESPECT TO THE PRODUCT(S)

MSCI EAFE Index: The annuity contract referred to herein is not sponsored, promoted or endorsed by MSCI, and MSCI bears no liability with respect to any such annuity contract or any index referred to by any such annuity contract. The product prospectus contains a more detailed description of the limited relationship MSCI has with Prudential Annuities Life Assurance Corporation and Pruco Life Insurance Company and any related annuity contracts.

Created Exclusively for Use by Financial Professionals. Not for Consumer Use.

 

For Compliance Use Only:1048174-00002-00

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