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Make Every Day Count For Your Clients’ Retirement

Highest Daily Lifetime® Income v3.0 Benefit

  • New higher 5.5% Compounded Roll-up Rate
  • 5.5% Withdrawal Rate at age 65 (single)*
  • 5.0% Withdrawal Rate at age 65 (spousal)*

See current rates

* at age of first Lifetime Withdrawal
Rates are subject to change. Please see the current monthly rate sheet prospectus supplement for complete rates and details.

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Call 877-668-2619 to learn more     Sign in

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With Highest Daily, You Can Help Your Clients:

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Prepare for a More
Secure Future

Your clients have guaranteed daily income growth—plus the opportunity for additional growth.

Have Guaranteed
Income for Life

Help your clients create guaranteed lifetime income, no matter how the markets perform.

Invest to Help Drive
More Income

A wide range of professionally managed investment portfolios can provide the opportunity to further grow future income.

Loved Ones

Your clients can create a legacy for their loved ones with death benefit options.

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Show Your Clients the Daily Difference

Use our video with clients and prospects to help them discover how Highest Daily can help make a difference in their retirement.

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Guaranteed Daily Growth of Retirement Income

When your client adds Highest Daily to a variable annuity, they will enjoy guaranteed daily growth of their future income regardless of how the financial markets perform. Plus each day, they have the opportunity for additional income growth based on the investment performance of the account.

So, no matter how the markets perform, the value that we base their future retirement income on — what we call the Protected Withdrawal Value (PWV) — will continue to grow for a 10-year period, as long as they don't start Lifetime Withdrawals.

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Basis for Your Client’s Future Retirement Income

  1. Your client purchases an annuity with Highest Daily Lifetime Income Benefit
  2. Every day that your client’s account value reaches a new high, that amount is locked in* for retirement income purposes
  3. It immediately begins growing at an annual compounded rate for the first 10 years or until they decide to begin receiving income with Lifetime Withdrawals

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Assumes no withdrawals are taken. This is a hypothetical example for illustrative purposes only. It does not reflect a specific annuity, an actual account value or the performance of any investment. 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.

*Please note lock-ins only apply to the Protected Withdrawal Value and do not apply to the account value. The account value is not guaranteed, can fluctuate, and may lose value.

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Do Daily Lock-ins Really Matter for Income Purposes?

Highest Daily locks in every account value high 100% of the time for income purposes, which gives your clients more opportunity for growth compared to what other benefits can offer:

  • An annual lock-in only locks in the account value high for income purposes 6% of the time.
  • A quarterly lock-in doesn’t improve the odds much, locking in the account value high 7% of the time.
  • Even a monthly lock-in would only capture the account value high 9% of the time.
  • The daily lock-in from Prudential Annuities gives your clients the opportunity to lock in the account value high 100% of the time, providing more growth opportunity for your clients' lifetime income.

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Source: Standard & Poor’s, Bloomberg Barclays. For the period from January 3, 1989 through June 30, 2014. Represents the percentage of ten-year periods, rolling daily, where each step-up frequency captured the highest market point in that ten-year period (3,929 periods total). Assumes an 80% allocation to U.S. equities and 20% allocation to U.S. bonds. Equities are represented by the total returns of the S&P Composite Index of 500 Stocks, which is generally considered representative of the U.S. stock market. Bonds are represented by the total returns of the Bloomberg Barclays U.S. Aggregate index, which measures the performance of the broad investment grade bond market. The investment experience, and the resulting step-up frequency shown above, would vary if the allocation to U.S. equities and U.S. bonds was different. It is not possible to invest directly in an index. All figures are rounded to the nearest percentage. Past performance is not a guarantee of future results.

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Spousal Income Protection

Highest Daily offers a spousal option, for an additional fee, where the surviving spouse can continue to receive uninterrupted income for the rest of his or her life, guaranteed.

Help Your Clients Pass on Their Legacy

An annuity with Highest Daily can help provide your clients a legacy for their loved ones with a standard death benefit, or an enhanced Highest Daily Death Benefit, available for an additional fee.

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Investment Strategies to Help Drive Your Clients' Guaranteed Income

We offer a broad range of asset allocation portfolios spanning across four strategies to help diversify your clients’ investment portfolios. Your clients can invest in any combination of the portfolios available when electing Highest Daily.

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Portfolios offering management based on longer-term views of capital markets



Portfolios offering management based on shorter-term views of capital markets



Portfolios offering a disciplined, quantitative approach to portfolio management



Portfolios offering traditional and non-traditional investments which can be less correlated to the market

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Tools to Help Educate Your Clients

Use our online experience to:

  • Access Highest Daily illustrations/calculations
  • Download marketing material
  • Service your existing Prudential Annuities clients

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Highest Daily At-A-Glance

Highest Daily At-A-Glance

Highest Daily Lifetime Income

Spousal Highest Daily Lifetime Income

Highest Daily Lifetime Income with HD DB

Spousal Highest Daily Lifetime Income with HD DB

Total Annual Benefit Charge

1.00%1 1.10%1 1.50%1 1.60%1

Minimum Issue Age

50 (annuitant) 50 (youngest spouse) 50 (annuitant) 50 (youngest spouse)

Maximum Issue Age

May vary by broker/dealer 79 (annuitant) 79 (oldest spouse)

Dynamic Rate Setting

Withdrawal percentages and the compounded growth rate are set at the time the application is signed2 and do not change for the life of the benefit.
For the current rates, refer to the prospectus or the applicable rate sheet prospectus supplement.

Subsequent Purchase Payments

Up to a maximum of $50,000 per year3
Subsequent purchase payments will increase the Protected Withdrawal Value and HD DB (if elected) dollar-for-dollar by the amount of the purchase payment. After the first Lifetime Withdrawal, additional purchase payments will increase the Protected Withdrawal Value and the HD DB dollar-for-dollar, and the Annual Income Amount by the additional purchase payment multiplied by the income percentage established at the time of the first Lifetime Withdrawal.

Election Options

May be elected either at issue or within the first 30 calendar days following the contract issue date. The benefit cannot be elected after the 30-day period. If elected, the benefit may only be cancelled on or after the first benefit anniversary.4 If cancelled, your client must wait at least 90 days before re-electing a benefit.

Investment Options

Ability to invest in one or a combination of our permitted turnkey asset allocation portfolios.



In New York, the Highest Daily Lifetime Income benefits with Highest Annual Death Benefit(s) are available for an additional fee of 1.40% and 1.50% for the spousal version. Highest Daily Death Benefit is not available in New York. Please see the prospectus for more details.

1 Benefit charges are calculated as a percentage of the greater of the account value and the Protected Withdrawal Value. The charges are deducted quarterly and taken pro-rata across the permitted subaccounts. Charges are not taken from amounts allocated to the Secure Value Account or an MVA option. Please note that upon a step-up, the fees may be higher. Prudential reserves the right to increase the benefit charge up to the maximum of 2.00% upon any new election of the benefit or upon a step-up after Lifetime Withdrawals begin.

2 Subject to the terms outlined in the prospectus or the applicable rate sheet prospectus supplement.

3 After the first benefit year, we reserve the right to limit, restrict, suspend or reject subsequent purchase payments at any time on a non-discriminatory basis.

4 After cancellation, your clients will no longer be charged for the benefit. Please note that any and all guarantees are lost upon cancellation.

Please refer to the prospectus for complete details on benefit charges and election options.

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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 877-668-2619

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What is a variable annuity?

A variable annuity is a contract with an insurance company. It's a long-term investment designed for retirement purposes. Your clients invest money in professionally managed investment portfolios, where it accumulates tax-deferred. 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. When your clients retire, their investment can be used to generate a stream of regular income payments that are guaranteed for as long as they live. In addition, variable annuities may provide a guaranteed death benefit for their beneficiaries. It is important to remember that annuity contracts contain exclusions, limitations, reductions of benefits and terms for keeping them in force.

Why does the company behind the annuity matter?

When the time comes for your clients to use the benefits that are offered by a variable annuity, it is important to remember that all guarantees including the optional benefits are backed by the claims-paying ability of the issuing insurance company and do not apply to the underlying investment options.

Can Prudential help me determine if an annuity is right for my clients?

It's up to you to determine if a variable annuity is suitable for your clients. Prudential Annuities does not provide investment advice. The selections you choose together with your clients are all dependent on their investment goals and their risk tolerance.

What happens if my clients need access to their money?

There are limitations and restrictions when making withdrawals. 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 proportionately.

What is the Protected Withdrawal Value?

The Protected Withdrawal Value is only used to calculate the initial guaranteed lifetime income and the charge for the benefit. It is separate from the account value and is not available as a lump sum withdrawal. The account value is not guaranteed, can fluctuate, and may lose value.

What are the costs associated with purchasing this product?

Prudential Premier Retirement Variable Annuity is offered at an annual cost of 0.55% to 1.95% for mortality expense and administration fees, with additional fees related to the professional investment options. Additional fees, such as withdrawal fees, transfer fees and administrative fees, also apply. See the prospectus for more information.

What are the limitations and restrictions my clients need to consider?

Highest Daily benefits have certain investment, holding period, liquidity, and withdrawal limitations and restrictions. Optional living and death benefits may not be available in every state and may not be elected in conjunction with certain optional benefits. See the prospectus for more information.

What are some of the other considerations that my clients and I need to think about when they invest in various asset allocation portfolios offered by a variable annuity?

When purchasing an annuity, it is important to remember that asset allocation does not ensure a profit or protect against a loss. 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. The value or price of a particular stock or other equity or equity-related security owned by a portfolio could go down and your clients could lose money. Additionally, fixed income investments are subject to risk, including credit and interest rate risk. Because of these risks, a subaccount's share value may fluctuate. If interest rates rise, bond prices usually decline. If interest rates decline, bond prices usually increase.
Certain asset allocation portfolios may use leverage, short sales, and derivatives or engage in other speculative practices within their alternative investments. These practices include a high degree of risk and may increase the risk, size, and velocity of investment losses. Although certain alternative strategies seek to reduce risk by attempting to reduce correlation with equity and bond markets, no guarantee can be given that such efforts will be successful. The fees and expenses associated with alternative investments are generally higher than those for traditional investments. Lastly, diversification does not assure against loss in a declining market.

How does Prudential manage the guarantees associated with Highest Daily?

It starts with our prudent product design where we manage risks in three important ways. First, we offer a broad selection of asset allocation portfolios that helps provide the potential for greater returns and helps us manage investment risk. Second, 10% of all purchase payments is automatically allocated to the Secure Value Account (SVA) - a fixed account that provides an annual guaranteed interest rate. Your client cannot make transfers into or out of the SVA. The SVA will earn interest daily at a crediting rate declared annually. And third, Highest Daily benefits use a predetermined mathematical formula, that is designed to help mitigate some of the financial risk associated with providing and managing your clients' guarantees during all market cycles.

What is the predetermined mathematical formula?

Highest Daily suite of benefits uses a predetermined mathematical formula to mitigate some of the financial risks we incur in providing the guarantees under the optional benefits through all market cycles. Each business day, the formula determines if any portion of your client's account value in the permitted subaccounts (asset allocation portfolios), including any Dollar Cost Averaging (DCA) Market Value Adjustment (MVA) options needs to be automatically transferred into or out of the AST Investment Grade Bond Portfolio (the "Bond Portfolio"). Amounts transferred by the formula depend on a number of factors unique to each individual annuity and include:

  1. The difference between the account value and the Protected Withdrawal Value;
  2. How long your client has owned the benefit;
  3. The amount invested in, and the performance of, the permitted subaccounts, the Bond Portfolio and the Secure Value Account and
  4. The impact of additional purchase payments made to and withdrawals taken from the annuity.
The formula will not transfer amounts to or from the Secure Value Account. On any given day, no more than 30% of the account value in the permitted subaccounts (plus any DCA MVA options) may be transferred to the Bond Portfolio pursuant to the formula. Therefore, at any given time, some, most or none of the account value from the permitted subaccounts may be allocated to the Bond Portfolio. Transfers to and from the Bond Portfolio do not impact any income guarantees that have already been locked in. Your client may not allocate purchase payments or transfer account value into or out of the Bond Portfolio.
The formula could mean that your client misses opportunities for investment gains in the permitted subaccounts while amounts are allocated to the Bond Portfolio. The formula's allocation of amounts to the Bond Portfolio, however, could also protect your client's account value from losses that may occur in the permitted subaccounts. Please note: We are not providing investment advice through the formula. See the prospectus for complete details.

These web pages are for informational or educational purposes only; they are not intended as investment advice and are not a recommendation about managing or investing your clients' retirement savings.  In providing this information, Pruco Life Insurance Company (in New York, Pruco Life Insurance Company of New Jersey), Newark, NJ and Prudential Annuities Distributors, Inc. are not acting as your clients' fiduciary as defined by any applicable laws and regulations.

Investors should consider the features of the contract 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. Your clients should read the prospectus carefully before investing.

Issued on contracts: P-BLX/IND(2/10) and P-CR/IND(2/10), et al. or state variation thereof.
Issued on riders: P-RID-HD(2/14), P-RID-HD-HDB(2/14), et al. or state variation thereof.

For Compliance Use Only: 0308415-00004-00

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