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Offer Your Clients A Competitive, Tax-Efficient Investment Strategy

Prudential Premier® Advisor Variable Annuity
For clients of Registered Investment Advisors who are looking for the advantages of tax efficiencies, the benefits of investment choice, and a built-in death benefit.

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Call 844-207-6976 to register or     Sign in

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Registered Investment Advisors (RIAs) Can Offer Their Clients:

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Tax Efficiencies

Tax advantages can help reduce your clients’ tax burden today.

Expanded Investment Options

Your clients can choose from a broad array of investment choices including ProFunds® VP portfolios.

Built-in Death Benefit

Help your clients pass their legacy on to their loved ones.

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Premier Advisor Key Product Features:

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Tax Efficiencies

With Premier Advisor, your clients can take advantage of tax-free transfers and rebalancing, as well as the potential for tax deferral on any growth on their investments until they begin taking withdrawals.

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Investment Choice and Flexibility

Your clients can create a personalized portfolio by selecting from a broad array of investment choices from well-known asset management firms such as
T. Rowe Price, BlackRock and ProFunds.

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Guaranteed Retirement Income

Premier Advisor provides guaranteed income for life through annuitization or through the addition of optional living benefits like Highest Daily Lifetime Income v3.0, available for an additional fee.

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Beneficiary Protection

Premier Advisor comes with a built-in standard death benefit. If your clients choose to add our Highest Daily Lifetime Income benefit to their Premier Advisor contract, they can elect an optional enhanced death benefit, Highest Daily Lifetime Income with Highest Daily Death benefit, for an additional fee.

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Premier Advisor At-A-Glance

Premier Advisor At-A-Glance
Features Specifications

Minimum Purchase Payments
Prudential Annuities reserves the right to limit, restrict, suspend, or reject additional purchase payments at any time on a non-discriminatory basis.

Initial: $10,000 (May vary by broker/dealer)
Subsequent: $100
Subsequent purchase payments will not be accepted on or after the 86th birthday of the oldest of all owners and annuitant

Maximum Issue Age
May vary by state and/or broker/dealer

85 (Contracts may not be issued on or after the 86th birthday of the oldest of all owners and annuitant)

Minimum Death Benefit

The minimum death benefit ensures that if your clients pass away before annuitization or before their account value is reduced to zero, their beneficiary will receive the greater of:
The sum of all purchase payments, reduced proportionally by the amount of any withdrawals,
OR
The current account value

Latest Annuity Date

No later than the first day of the calendar month following the 95th birthday of the oldest of all owners and annuitant, whichever occurs first

Annuitization Options
Minimum monthly annuity payment is $100 ($20 in NY) except where a lower amount is required by law

When the time comes to start receiving income from their annuity, your clients may select a payment schedule to meet their requirements, from several options including:
Payments for a period certain
Payments for life with a period certain

Fees and Charges

Total Annual Insurance Charge
Applied as a percentage of the daily net assets of the variable subaccounts

0.35% in all years

Annual Maintenance Fee
Waived if the sum of all purchase payments totals $100,000 or more
May vary by state and/or broker/dealer

Lesser of $50 ($30 in NY) per year or 2% of the account value

Full Liquidity

Access to the full account value at any time, with no initial sales charge or Contingent Deferred Sales Charge (CDSC)

Free Transfers

Change investment allocations up to 20 times per year
Subsequent transfers incur a $10 fee

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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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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 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 are some of the other considerations that my clients need to think about when investing 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.

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-CR/IND(2/10),P-CR/IND(2/10)NY et al. or state variation thereof.

For Compliance Use Only: 1003622-00002-00

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