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Prudential Immediate Income Annuity
A fixed annuity that helps your clients turn their savings into guaranteed income that can last for the rest of their life.
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Actions Offer Your Clients an Immediate Income Strategy That Is:
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Certain
A consistent, guaranteed income stream that is not impacted by market volatility.
Strong
Offered by The Prudential Insurance Company of America, a highly rated, well-known company with a long and successful history of meeting financial challenges.
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Actions How the Prudential Immediate Income Annuity Works
Meet Linda
At age 65, Linda is retiring and seeking immediate income. She purchases a Prudential Immediate Income Annuity for $250,000 and chooses the Life with Cash Refund payout option.- For the rest of her life, Linda will receive $15,000 annually from The Prudential Insurance Company of America
- If Linda passes away before the full purchase payment is paid out, the difference is paid to her designated beneficiaries
- If she lives to age 90, Linda will receive $375,000 in total payments
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Actions For illustrative purposes only. The guaranteed income amount could be more or less depending on many factors, including when you purchase the annuity.
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The Freedom to Choose Payout Options
Your clients can customize their annuity by choosing from a wide variety of payout options to help meet their individual needs.
Steady Income No Matter How the Markets Perform
As part of an overall retirement strategy, Prudential Immediate Income can help your clients create a guaranteed stream of income that is not impacted by market swings.
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Actions Prudential Immediate Income At-A-Glance
| Features | Specifications |
|---|---|
| Minimum purchase payment | $10,000 |
| Maximum issue age | 89 annuitant (or oldest annuitant on Joint Life) |
| Death benefit1 | If the owner or last surviving annuitant (or any annuitant if the owner is an entity) dies before the annuity start date, the death benefit is equal to a return of purchase payments |
| Payment commencement date | Payments must begin within 13 months of contract issue date |
| Spousal continuation | The owner’s spouse (or annuitant’s spouse in the case of entity ownership) may be able to continue the annuity instead of receiving the lump sum death benefit before the annuity start date. Spousal continuation may occur only once |
| Payout options2 |
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| Payment frequency | Monthly, quarterly, semi-annually, annually |
| Access | Allows contract owners to receive a percentage of the discounted present value of future Period Certain annuity payments (referred to as the Commuted Value) in one sum. Certain restrictions apply. Please see the Important Information about access document for more details. |
Certain features of this product may not be available in all states.
footnote
- 1 If a Life Only payout option is elected and death occurs before receiving income payments, the annuity may not provide any death benefit and no purchase payments will be returned. See the Important Information about Death benefit document for complete details.
- 2 The payout option your clients select determines whether certain features, such as commutation, are available to them. Please have your clients review the Important Information about Payout options document carefully before selecting the payout option.
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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 844-207-6976
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Actions - Why does the company behind the annuity matter?
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When the time comes for your clients to use the benefits that are offered by an annuity, it is important to remember that all guarantees are backed by the claims-paying ability of the issuing insurance company.
- Can Prudential help me determine if an annuity is right for my clients?
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It's up to you to determine if an 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?
- The Prudential Immediate Income Annuity provides periodic payments, but has no account value or cash surrender value, does not permit loans, and generally does not allow other withdrawals. Costs are factored into the payment amount. Annuity income payments and any distribution made under the annuity 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.
Annuity contracts contain exclusions, limitations, reductions of benefits and terms for keeping them in force.
All references to income certainty and guarantees are subject to the terms of the payout option and are backed by the claims-paying ability of the issuing company.
Issued on contract: PI-SPIA/IND(2/14), et al. or state variation thereof.
For Compliance Use Only: 1003625-00001-00
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