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Actions MyRock℠ Advisor Offer Protected Lifetime Income that Can Evolve with Client Needs
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Actions MyRock Advisor Offers Clients:
Lifetime Income Options
Lifetime Income Options
Add lifetime income options to clients’ financial plans
Income Now or Later
Income Now or Later
Clients can start their income stream at any time
Flexibility
Flexibility
Flexible features can change as clients’ lives evolve
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Actions MyRock Advisor Variable Annuity is a unique, flexible solution that offers two optional lifetime income benefits, available for an additional fee: one offers guaranteed lifetime income and another can help retirement income last longer. MyRock Advisor offers customizable features that can evolve as client needs change.
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Actions Advantages of the Defined Income Benefit
Advantages of the Defined Income Benefit
- Income Certainty
With the Defined Income Benefit, clients will know exactly what their lifetime income will be no matter when they start taking income.1
- Guaranteed Lifetime Income
Designed to protect retirement income and make it last a lifetime.
- Single versus Spousal flexibility
Flexible features, clients can add or remove a spousal option before income begins.
- Purchase Payment Flexibility
Clients can add money to their annuity subject to contract rules, even if lifetime income has begun.
- Legacy Planning
Protection with a base death benefit or, for an additional fee, an optional Return of Adjusted Purchase Payments (ROP) Death Benefit.
Advantages of the Dynamic Income Benefit
Advantages of the Dynamic Income Benefit
- Income can last longer
The Dynamic Income Benefit can help eliminate the risk of living longer than a clients retirement savings can support.
- Lifetime Income without the impact of Withdrawals
Annual income is influenced by the annual returns of their annuity investments. While there is greater potential to grow client income, income can also go down when the portfolio experiences negative returns. The value that determines annual income is not reduced by withdrawals.1
- Robust Investment Platform
Create and actively manage customized investment portfolios to help drive greater income.
- Income Can Continue
Clients can receive income even if their account value is reduced to zero.2
- Deferral Bonus
Income Percentage can increase every year clients defer their first Income Withdrawal.
- Legacy Planning and Spousal Flexibility
These valuable benefits are also available.
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Actions Tools to talk MyRock
MyRock Variable Annuity
Defined Income Benefit
Dynamic Income Benefit
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Actions footnote
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 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 clients?
It’s up to you to determine if a variable annuity is suitable for clients. Prudential Annuities does not provide investment advice. The selections you choose together with clients are all dependent on their investment goals and their risk tolerance.
1 Income Withdrawals, or income payments, are subject to contract rules.
With the Defined Income Benefit withdrawals in excess of the Guaranteed Income Amount impact the value of your client’s benefit and can also affect the certainty of his or her income. An excess withdrawal occurs when your client’s cumulative Lifetime Withdrawals exceed his or her Guaranteed Income Amount in any benefit year. If an excess withdrawal is taken, only the portion of the Lifetime Withdrawal that exceeds the remaining Guaranteed Income Amount will proportionally and permanently reduce his or her Guaranteed Income Amount for future years. If an excess withdrawal reduces the account value to zero, no further amount would be payable and the contract terminates. Please note that Non-Lifetime Withdrawals proportionally reduce the Guaranteed Income Amount by the ratio of the Non-Lifetime Withdrawal amount to the Account Value immediately prior to the Non-Lifetime Withdrawal.
With the Dynamic Income Benefit, Excess Income - Income Withdrawals in any benefit year, including withdrawals of Required Minimum Distributions (RMDs), that alone or in combination with other Income Withdrawals exceed the available Annual Income Amount (AIA) and any unused AIA - impacts the value of your benefit and can also affect the certainty of your income. If any excess income is taken, only the portion of the excess income that exceeds the remaining AIA will proportionally reduce your Income Base. If your excess income reduces the Account Value to zero, no further amount would be payable, and the benefit and the contract terminate. Please note that any withdrawals made before the first income withdrawal will reduce the Account Value and Income Base by that amount.
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 by contacting the National Sales Desk. Clients should read the prospectus carefully before investing.
Variable annuities offered by Prudential companies have an annual cost of 0.35% to 1.95% for mortality expense and administration fees, with an additional fee related to the professional investment options. The fees will vary depending on the underlying annuity and investment options selected.
Variable annuities are issued by Pruco Life Insurance Company, Newark, NJ (main office) and distributed by Prudential Annuities Distributors, Inc., Shelton, CT. 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. All products and optional benefits may not be available in all states or through all third-party broker/dealers.
Created Exclusively for Use by Financial Professionals. Not for Consumer Use.
For Compliance Use Only: 1024022-00003-00
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