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7% Guaranteed Roll-Up Rate* Legacy Protection for Your Clients

Legacy Protection Plus Death Benefit
With this optional death benefit, available for an additional fee on Prudential Premier® Retirement Variable Annuities, you can now help clients who are looking to protect, grow and efficiently pass on their legacy to their loved ones.

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Legacy Protection Plus Helps Your Clients:


Your clients' death benefit value is protected from loss no matter how the market performs.


The death benefit value continues to grow annually.


Your clients may have the option to control how their beneficiaries receive the death benefit payout.

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How Legacy Protection Plus Works

When used as a part of your clients' retirement strategy, Legacy Protection Plus allows them to protect, grow and leave assets to their beneficiaries. Even though the annuity comes with a standard minimum death benefit, with no additional charge, your clients may want the opportunity to leave more to their loved ones by adding the Legacy Protection Plus optional death benefit.

When your clients purchase Legacy Protection Plus, a minimum death benefit value (referred to as the roll-up death benefit amount in the prospectus), a roll-up rate and a roll-up cap will be established. The roll-up rate and roll-up cap percentage are set when the contract is issued and will not change for the life of the contract.

This chart highlights how the Legacy Protection Plus benefit grows over time compared to the account value. Upon the contract owner's passing, his or her beneficiaries would receive the greater of the death benefit value or the account value.

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On each contract anniversary, the roll-up rate will increase the death benefit value until it reaches the roll-up cap.


Even if the account value falls below the death benefit value, your client's beneficiaries will receive the greater amount.


If the account value grows above the death benefit value, your client's beneficiaries would receive the greater amount, which is the account value.

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Chart showing how Legacy protection benefit grows in hyptotheical example.

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.

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Leaving a Legacy The Venezias


See how the Venezias are starting to think about their future and leaving a legacy for their loved ones after they've worked so hard to build a business.

Grow Their Legacy

Your clients' guaranteed death benefit value will continue to grow each year, even in down markets. On each contract anniversary, the roll-up rate amount will be added to their guaranteed death benefit value and will continue to grow until one of the following occurs:

  • The guaranteed death benefit value reaches the roll-up cap amount, the amount at which the guaranteed roll-up rate is no longer applied
  • The contract anniversary date following the owner's 80th birthday is reached
  • The owner passes away

Additionally, your clients will choose from a range of investment options that can provide the opportunity to increase their account value through positive performance.

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Dynamic Rate Setting

To help us offer attractive rates for your clients, we may change the roll-up and roll-up cap percentage rates as often as monthly. However, when we issue a new contract for your clients, those rates are set, and will not change for the life of their contract. Before you share rate information with your clients, be sure you have checked the most current rate sheet prospectus supplement which must be used in conjunction with the current prospectus.

Control How Their Legacy is Distributed

Your clients can also choose from several different payout options for their beneficiaries, and in some cases, can maintain control over how their legacy will be distributed after they pass away. And, since most annuities are non-probate, your clients' beneficiaries may avoid a lengthy and cumbersome legal process when they inherit the money.

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Investments to Help Grow Your Clients' Legacy Benefit

Your clients have the choice and flexibility to either build their own custom portfolio from our range of individual investment options available when Legacy Protection Plus is elected or select from our asset allocation portfolios spanning the four diverse strategies below.

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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 Legacy Protection Plus illustrations
  • Download marketing material
  • Service your existing Prudential Annuities clients

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Legacy Protection Plus At-A-Glance

Legacy Protection Plus At a glance



Roll-up Rate and Roll-up Cap Percentage

The roll-up rate and roll-up cap percentage are set at the time the application is signed1 and do not change for the life of the benefit.
Please refer to the current rate sheet prospectus supplement for current rates and information.

Roll-up Cap

After the roll-up cap is reached, the roll-up amount will no longer be applied to the death benefit value. The roll-up cap is the earlier of:

  • The death benefit value reaching the roll-up cap percentage multiplied by the death benefit base; and
  • The contract anniversary on or after the client’s 80th birthday.

Annual Benefit Charges

Ages 55 or Younger: 0.65%2
Ages 56-70: 0.80%2
Ages 71 and Older: 0.95%2

Election Options

May only be elected at issue, and may not be canceled, except for one limited circumstance.2 The benefit cannot be elected with any other optional benefits. See prospectus for details.

Maximum Issue Age


Subsequent Purchase Payments

Only accepted prior to the first contract anniversary.


*Roll-up rate is subject to change on a monthly basis.

1 Subject to the terms outlined in the prospectus or the applicable rate sheet prospectus supplement.
2 Annual benefit charges are determined at issue, subject to the terms outlined in the prospectus. Benefit charges are assessed against the death benefit value, deducted quarterly from the account value and taken pro-rata across the permitted subaccounts. Charges paid during contract year of death will not be refunded and there will be no pro-rata roll-up in the death benefit value. We reserve the right to deduct a final pro-rated charge if terminated. Charges continue after the roll-up cap is reached, and cease upon death or termination of the benefit. We reserve the right to increase the benefit charge up to the maximum of 1.50% upon any new election of the benefit or on/after the fifth contract anniversary. If we increase the benefit charge on/after the fifth contract anniversary, your client may terminate the benefit.

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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 1-833-710-8802

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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.

With Legacy Protection Plus, your clients will continue to have access to the money they invested. Please note any withdrawals from the account, including Required Minimum Distributions, will reduce the death benefit value and base on a proportional basis. As a result, the roll-up amount and roll-up cap amount will also be reduced going forward. However, the guaranteed growth of the death benefit will continue until it reaches the roll-up cap. Legacy Protection Plus terminates upon contract annuitization or if the account value reaches zero.

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. The fees will vary depending on the underlying annuity and investment options selected.

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.
Optional death benefits may not be available in every state and may not be elected in conjunction with certain optional benefits. Optional benefits have certain investment, holding period, liquidity, and withdrawal limitations and restrictions. The benefit fees are in addition to fees and charges associated with the basic annuity.

These web pages are for informational or educational purposes only. The information is not intended as investment advice and is 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 a fiduciary as defined by any applicable laws and regulations.

Investors should consider the contract and the underlying portfolios' investment objectives, 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-DBROLL(5/17).

For Compliance Use Only: 0304715-00003-00

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