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Prudential FlexGuard® indexed variable annuity A Retirement Strategy Tailored to Each Client’s Needs

FlexGuard offers innovative index crediting strategies unique to Prudential, with access to variable investment options. It can be customized based on a client’s retirement goals and adjusted as their needs change. FlexGuard is issued by Prudential Annuities Life Assurance Corporation.

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Call 844-207-6982 to learn more or      Sign in Opens in a new window

 

What can the FlexGuard indexed variable annuity do for you?

We challenge you to find out

Our new interactive experience, The FlexGuard Challenge, makes it easy to see how FlexGuard’s downside buffers can help protect from loss, while it’s innovative crediting strategies provide the opportunity for enhanced growth in up markets.

 Accept the Challenge

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See How FlexGuard Can Help You Create a Customized Strategy to Protect and Grow Clients’ Money

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FlexGuard index strategies help clients:

Protect

Select a level of protection that may help limit losses

Grow

Participate in the growth potential of the market

Accelerate

Enhance growth potential in up markets with two unique crediting strategies

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Plus, there are NO EXPLICIT PRODUCT FEES when allocating to FlexGuard’s index strategies.*

 

*Variable investment options do not have protection levels available and are subject to contract and administrative fees.

Surrender charges and underlying fund expenses may apply in the event of an early withdrawal.

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How FlexGuard Works 

When the client purchases FlexGuard you will help them make choices,
custom-building their annuity to meet their individual needs and goals.

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Select their growth opportunity

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 Index Strategy

With FlexGuard’s Cap Rate index strategy, clients receive any positive index growth up to an upper limit (called a “cap”).

Tiered Participation Rate Index Strategy

Unique to Prudential, FlexGuard’s Tiered Participation Rate index strategy offers clients 100% of the positive index growth up to the tier level, and then the opportunity to accelerate their growth by capturing a percentage MORE than 100% of the index growth above that level.

Step Rate Plus Index Strategy


Index underperforms the Step Rate:
If the index return is between 0 and the Step Rate, clients will receive that Step Rate.

Index outperforms the Step Rate:
The client would receive a percentage of the total index return OR the Step Rate, whichever is greater.

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'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,  rate sheet PDF opens in a new window and  product prospectus. PDF opens in new window

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Choose clients’ downside protection

FlexGuard offers them the opportunity to choose their buffer level as well as their term length.

Partial downside protection is provided through the buffer where index losses within the buffer are protected. Index losses that exceed the buffer will result in a loss of Account Value.

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

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Variable investment options are offered with this product however are not included for illustration purposes and do not offer downside protection. Please refer to the product prospectus for fund investment strategies 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.

 


 

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Determine how to allocate clients’ money

 See product specifications for more information on funds and fees associated PDF opens in new window

 

Choose from four well-known indices

The client's money is not actually invested in any index, but may earn interest credits based on the index’s performance.

  • S&P 500® - 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.

The websites referenced above are not endorsed or supported by any of the Prudential Financial companies. Marketing and training materials contained on these websites need to be approved by the Prudential Annuities Marketing Compliance Unit prior to use.

Please note that 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.

 

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

And select from variable investment options

FlexGuard also offers variable investment options which can be mixed and matched in any percentage.

 

CDSC Surrender Charge Schedule

B-Share 6 year: 7%, 7%, 6%, 5%, 4%, 3%; based on the effective date of each Purchase Payment and the percentage of the amount withdrawn from the Purchase Payment, above the free withdrawal amount.

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Make changes as they go

On each Index Anniversary Date, clients may reallocate any Index Strategy that has reached an Index Strategy End Date. Variable investment options may be reallocated at any time.

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Tools to help educate clients

Use our secure online experience to:

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

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See FlexGuard in Action

This tool enables you to compare how various choices of index strategies, protection
levels, and term lengths may impact the client’s outcomes.

The individual index strategies displayed are based on historical performance and do not include subaccount
performance. Refer to the rest of the website for detailed 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 no withdrawals and that the Account was held for the complete Index Strategy Term. Past performance does not guarantee future results. Your actual results will vary. When investing in FlexGuard, it is not possible to invest directly in an index.

The content on this page is for Financial Professional use only.
The FlexGuard product and all of its features are not approved in all states or through all broker dealers. 

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.

This interactive illustration is hypothetical and based on the index crediting strategy 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.

Variable investment options are offered with this product however are 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

Down Market: A down market is to be considered any 1 year, 3 year, or 6 year term in which performance for the selected index/indices is negative. Time periods for S&P 500®, MSCI EAFE®, Invesco QQQ ETF, and iShares Russell® 2000 ETF were chosen based on their proximity to the average down market for each term. The average down market was calculated by excluding all terms with positive performance. In the absence of any negative performance for the term, we use the lowest trending performance, which would be positive. The down market illustrates the following:

S&P 500® price index returns: 1-year term period 01/01/2001 – 12/31/2001; 3-year term period 01/01/2007 – 12/31/2009; 6-year term period 01/01/2000 – 12/31/2005.

MSCI EAFE® price index returns: 1-year term period 01/01/2018 – 12/31/2018; 3-year term period 01/01/2007 – 12/31/2009; 6-year term period 01/01/2006 – 12/31/2011.

iShares Russell® 2000 ETF: 1-year term period 01/01/2018 – 12/31/2018; 3-year term period 01/01/2007 – 12/31/2009; 6-year term period 01/01/2007 – 12/31/2012**.

Invesco QQQ ETF: 1-year term period 01/01/2001 – 12/31/2001.

** Positive performance

Up Market: An up market is to be considered any 1 year, 3 year, or 6 year term in which performance for the selected index/indices is positive. Time periods for S&P 500®, MSCI EAFE®, Invesco QQQ ETF, and iShares Russell® 2000 ETF were chosen based on their proximity to the average up market for each term. The average up market was calculated by excluding all terms with negative performance. The up market illustrates the following:

S&P 500® price index returns: 1-year term period 01/01/2020 – 12/31/2020; 3-year term period 01/01/2017 – 12/31/2019; 6-year term period 01/01/2014 – 12/31/2019.

MSCI EAFE® price index returns: 1-year term period 01/01/2004 – 12/31/2004; 3-year term period 01/01/2012 – 12/31/2014; 6-year term period 01/01/2003 – 12/31/2008.

iShares Russell® 2000 ETF: 1-year term period 01/01/2020 – 12/31/2020; 3-year term period 01/01/2013 – 12/31/2015; 6-year term period 01/01/2002 – 12/31/2007.

Invesco QQQ ETF: 1-year term period 01/01/2010 – 12/31/2010.

 

For Compliance Use Only:

1033463

1033463-00007-00

 

Key Terms

  • Account Value – The Interim Value for each Index Strategy plus the total value of any allocations in the Variable investment options on any Valuation Day. The Interim Value does not apply to Index Strategies on the Index Strategy Start Date and the Index Strategy End Date where Account Value will equal the Index Strategy Base plus any allocations in the Variable investment options.
  • Buffer – The amount of protected negative Index Return applied to the Account Value allocated to an Index Strategy at the end of an Index Strategy Term. Any negative Index Return in excess of the Buffer reduces the Account Value.
  • 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.
  • 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 purchase payments.
  • 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. You do 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 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 Strategy – Any index linked Allocation Option we make available in the Annuity for crediting interest based on the underlying Index associated with the Index Strategy, Buffer, and Index Strategy Term. We may offer other Index Strategies from time to time, subject to our rules.
    Index Strategy Base – The amount of Account Value allocated to an Index Strategy on an Index Strategy Start Date. The Index Strategy Base is used in the calculation of any Index Credit and in the calculation of the Interim Value. The Index Strategy Base is reduced for any transfers or withdrawals that occur between and Index Strategy Start Date and Index Strategy End Date in the same proportion that the total withdrawal or transfer amount reduces the Interim Value.
  • Index Strategy End Date – The last day of an Index Strategy Term. This is the day any applicable Index Credit would be credited to the Index Strategy.
  • Index Strategy Start Date –The first day of an Index Strategy Term.
  • Index Strategy Term – The time period allocated to each Index Strategy. The term begins on the Index Strategy Start Date and ends on the Index Strategy End Date.
  • Index Return – The percentage change in the Index Value from the Index Strategy Start Date to the Index Strategy End Date, which is used to determine the Index Credit for an Index Strategy. An Index Return is calculated by taking the Index Value on the Index Strategy End Date, minus the Index Value on the Index Strategy Start Date, and then dividing the result by the Index Value on the Index Strategy Start Date.
  • Interim Value – The value of an Index Strategy on any day during an Index Strategy Term. It is a calculated value and is used when a withdrawal, death benefit payment, transfer, annuitization, or surrender occurs during an Index Strategy Term. The interim value does not reflect the actual performance of the applicable index.
  • 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. A different Participation Rate may be declared for different Index Strategies and Buffers.
  • 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. 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.
  • Variable Investment Option – A division of the Variable Separate Account.

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FlexGuard indexed variable annuity At-A-Glance

 

Basic Contract Design

FlexGuard indexed variable annuity at-a-glance

Product Description

Registered Flexible Premium Deferred Index-Linked Variable Annuity with three Index Strategies featuring multiple protection levels and term lengths, plus 5 Variable investment options

Marketing Name

Prudential FlexGuard® indexed variable annuity

Launch Date

May 18, 2020

Issue Ages

Up to age 85; based on the age of the oldest Owner/Annuitant

Initial Purchase Payment

$25,000 Minimum Qualified and Non-Qualified
$1,000,000 Maximum (Premiums that exceed $1,000,000 require prior company approval)

Additional Purchase Payments

Minimum of $100 ($50 for EFT’s) – Additional Purchase Payments received between Index Anniversaries will be allocated to the Holding Account (unless the client provides instruction to allocate to any other Variable investment options at that time). Any allocations to the Index Strategies must occur on an Index Anniversary.

Contract Issue

This product will issue daily. The client will choose on the application if they wish to allocate to the Index Strategies immediately or defer their allocation for 30 days to accommodate multiple transfers and exchanges. If the client chooses to wait the 30 days, the allocations for the Index Strategies will be placed in the Holding Account and will automatically be transferred to the Index Strategies on day 30 using the Index Strategy rates applicable to the contract issue date.

Contingent Deferred Sales Charge (CDSC)

The Contingent Deferred Sales Charge applies to each Purchase Payment and will be applied to amounts that exceed the Free Withdrawal Amount

  • 6 years: 7%, 7%, 6%, 5%, 4%, 3%

Free Withdrawals

Client(s) may withdraw up to 10% of all Purchase Payments still within CDSC without incurring a surrender charge

  • Free Withdrawals in each contract year are not cumulative
  • Contingent Deferred Sales Charges will not apply to Required Minimum Distributions that Prudential calculates

Account Value

Account Value equals the sum of the Interim Value for each Index Strategy plus the total value of any allocations in the Variable investment options. Clients will see their Account Value change on a daily basis as the Interim Value and Variable investment option values change daily.

Interim Value

The Interim Value is 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 surrender occurs mid-term.

Base Death Benefit

Return of Purchase Payments

  • No charge associated
  • Available for all ages
  • Equal to the greater of:
    Purchase Payments, less proportional withdrawals
    Or Account Value
    Change of Ownership terminates the Return of Purchase Payments death benefit.

Latest Annuity Date

First of the month following the 95th birthday of the oldest Owner/Annuitant

Annuity Options

Annuity Payments for a Fixed Period Life Income
Joint Life Income
Life with Period Certain
Joint Life with Period Certain

Annual Fee

Not applicable

Total Insurance Charge

Applicable to only Account Value allocated to the Variable investment options (assessed daily as a percentage of the net assets of the Variable investment options). The Insurance Charge is a combination of the Mortality & Expense Risk Charge and the Administration Charge.

  • Total Annualized Insurance Fees and Charges for Net Purchase Payments less than 1 Million:1.30%
    - Mortality & Expense Risk Charge for Net Purchase Payments less than $1 Million: 1.15%
    And
    - Administration Charge: 0.15%
  • Total Annualized Insurance Fees and Charges for Net Purchase Payments of at least $1 Million: 1.20%
    - Mortality & Expense Risk Charge for Net Purchase Payments of at least $1 Million: 1.05%
    And
    - Administration Charge: 0.15%

Product CUSIP

74430A 722

 

Index Strategies

Index Strategies Specifications

Index Options

The customer will have the option to allocate their premium to one or both indices listed below:

  • S&P 500®
  • i-Shares Russell® 2000 ETF
  • Invesco QQQ ETF
  • MSCI EAFE Index

Index Strategies

The customer will have the option to allocate to one, some, or all the Index Strategies listed below:

  • Point-to-Point with Cap Rate
    - Available in 1, 3, and 6-year terms with various Buffer options (10%, 15%, 20%, and 100%)
  • Tiered Participation Rate
    - Available in 6-year terms with 5% and 10% Buffers only
  • Step Rate Plus
    - Available in 1-year terms with 5% and 10% Buffers only

Protection Levels

Negative Index Return is protected from loss within the Buffer associated with the selected Index Strategy.
Available Buffers, which may vary by Index Strategy, are 5%, 10%, 15%, 20%, and 100%

Point-to-Point with Cap Rate

If the Index Return is positive and equal to or greater than the Cap Rate, then the Index Credit is equal to the Cap Rate. If the Index Return is positive, but less than the Cap Rate, the Index Credit is equal to the Index Return.
If the Index Return is negative, but less than or equal to the Buffer, the Index Credit is zero. Otherwise, the Index Credit is equal to the negative Index Return in excess of the Buffer.
The Cap Rate is the maximum rate that may be credited to this strategy.

Tiered Participation Rate

If the Index Return is between zero and the declared Tier Level, then the Index Credit is equal to the Index Return multiplied by the Participation Rate for the 1st tier. If the Index Return is greater than or equal to the declared Tier Level, the Index Credit is the sum of the Tier Level Index Return multiplied by the Participation Rate for the 1st tier and the remaining Index Return multiplied by the Participation Rate for the 2nd tier. If the Index Return is negative, but less than or equal to the Buffer, the Index Credit is zero.
Otherwise, the Index Credit is equal to the negative Index Return in excess of the Buffer.
There is no maximum amount of Index Credit with this strategy.

Step Rate Plus

If the Index Return is between zero and the declared Step Rate, then the Index Credit is equal to the Step Rate. If the Index Return is greater than the Step Rate, the Index Credit is equal to the greater of the Index Return multiplied by the Participation Rate or the Step Rate. If the Index Return is negative, but less than or equal to the Buffer, the Index Credit is zero. Otherwise, the Index Credit is equal to the negative Index Return in excess of the Buffer.

There is no maximum amount of Index Credit with this strategy.

Reallocations

Clients may transfer Account Value between the variable investment options at any time.
Transfers/Reallocations to the Index Strategies must occur on an Index Anniversary. Transfers out of any
Index Strategy before the Index Strategy End Date will do so using the Interim Value of the Index Strategy.

New Money/Renewal Rates

Prudential reserves the right to change rates at anytime.

  • Set monthly for new business and renewal
  • Renewal Rate Guarantees
    - Point-to-Point with Cap Rate: Guaranteed Minimum Cap Rate for 1-year term: 1%, 3-year term: 5%, and 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%
  • Subsequent Cap and Participation Rates may be higher or lower than the initial Rates, but will never be less than the Guaranteed Minimum Rates. Subsequent Rates may differ from the Rates used for new contracts or for other contracts issued at different times.

 

Variable investment options

Variable investment options

Variable investment options

MFS® Value Series – Service Class
MFS® International Growth Portfolio – Service Class
MFS® Total Return Series – Service Class
MFS® Total Return Bond Series – Service Class
PSF Government Money Market Portfolio – Class III – default Holding Account

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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 Prudential Annuities Life Assurance Corporation and distributed by Prudential Annuities Distributors, Inc., both located in Shelton, CT (main office). 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.

An investment in the Prudential Series Fund Government Money Market Portfolio 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. 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. Prudential Annuities Life Assurance Corporation's, Product(s) is 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.

iShares Russell® 2000 ETF: 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 for certain purposes.  Prudential Annuities Life Assurance Corporation’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 or any member of the public regarding the advisability of purchasing any product or service offered by Prudential Annuities Life Assurance Corporation. 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 product or service offered by Prudential Annuities Life Assurance Corporation.

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. The LSE Group makes no claim, prediction, warranty or representation either as to the results to be obtained from Prudential FlexGuard or the suitability of the Index for the purpose to which it is being put by Prudential Annuities Life Assurance Corporation.

Invesco QQQ ETF: 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 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 its wholly-owned subsidiaries and affiliates (collectively, “Prudential”). Prudential FlexGuard (“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 any related annuity contracts.

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

 

For Compliance Use Only:1033389-00010-00

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