MyRock^℠ Advisor Offer Protected Lifetime Income that Can Evolve with Client Needs

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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 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.

² If Account Value is reduced to $0 (unless due to Excess Income+), the client will continue to receive the last calculated Annual Income Amount as a guaranteed payment. These guaranteed payments will continue until the client passes away or, if they have a spousal option, until the client and his or her spouse passes away. Since the entire amount of the Annual Income Amount will be paid out each year, they will no longer have the option to carry over any unused portions. However, if the client has any unused Annual Income Amount when the Account Value is reduced to $0, it will be distributed to them in a lump sum before the start of the annuity payments. Please refer them to the prospectus for additional information.

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 on the prospectus page or 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: 1024022-00004-00