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Protection and growth opportunity in one SurePath Fixed Indexed Annuity

Your clients have worked hard for their money and want to protect and grow it for the future. But that can create a dilemma. Low-risk investments today offer little growth opportunity, while investing in the stock market can be risky. But why should your clients have to sacrifice one for the other?

SurePath^® Fixed Indexed Annuity offers clients both protection from market volatility and opportunity for growth.

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Issued by Pruco Life Insurance Company.

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SurePath offers your clients:

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Tax Deferral

They pay no taxes on any growth until they make a withdrawal

Legacy Protection with a Difference

If they pass away during their index period, their beneficiaries get a portion of any index growth

Guaranteed Protection

Their original premium payment and all growth are fully protected against market loss

Growth Opportunity

Their money can grow based on the performance of a market index or crediting strategy of their choice

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Watch this video to learn how SurePath can help clients get the protection they need and growth opportunity they want

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How SurePath Works

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SurePath offers two different ways for your clients to potentially grow their money: an “index-based” strategy and a “fixed rate” strategy. You and your client decide the percentage of their money to allocate to each and the term of each index-based strategy.
Money in the fixed rate strategy is guaranteed to grow at a predetermined interest rate for a period of one year. Funds allocated to the index-based strategies have the potential to grow based on the performance of their chosen indices, comparing the value on the first day to the value on the last day of their 1- or 3-year term. We call this “point-to-point” crediting.

At the time your clients purchase a contract, they select a 7- or 10-year surrender charge period, which is the amount of time they must wait until they can withdraw funds from the annuity without facing a potential penalty charge.
Any withdrawal taken during an index term will not be eligible to receive interest at the end of the index term. Withdrawals taken during the surrender charge period may be subject to surrender charges and a Market Value Adjustment.
Upon renewal or reallocation at the end of a term, your clients may continue with the same strategy and allocation, or choose from the other strategies and terms available at that time.

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Example: How Your Clients’ Money Can Grow

Your clients' money is not actually invested in any index, but may earn interest based on the index’s performance:

The cap rate is the maximum amount of interest that can be credited during a specific index term.
The participation rate is the percentage of any index increase used to calculate the interest that will be credited for a specific index term.
A floor offers 100% downside protection in the event of a market loss.

In this example the cap rate is 4% and the participation rate is 30%. The floor is always zero.

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Year 1

If the index decreased by any amount at all, your client loses nothing – whether they choose the cap rate or the participation rate – as they are protected by the floor.

Year 2

If we assume a 3% index increase:

The cap rate would create 3% interest credited.
The participation rate would create .9% interest credited (30% x 3%).

Year 3

If the index increased by 20%:

The cap would create 4% interest credited.
The participation rate would create 6% interest credited (30% x 20%).

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SurePath Index Performance

This is a hypothetical example for illustrative purposes only. It does not reflect a specific annuity or an actual account value. Actual cap rates and participation rates may be higher or lower and produce different results.

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The power of tax deferral with SurePath

Your clients' account value can earn interest
Their interest can earn interest
They earn interest on the money they may have otherwise paid taxes on

This chart shows how a tax-deferred investment of $100,000 can grow over time when compared to a taxable investment.

Tax deferred Growth

Hypothetical chart showing 5% growth of a $100,000 investment over 20 years. Tax-deferred investment grows to $265,330 ($225,651 after 24% tax) and taxable investment at 24% annual tax rate would grow to $210,937. Tax-deferred growth helps accumulate an additional $14,814 after taxes are paid, growing to $225,651.

Assumptions: This hypothetical example is for illustrative purposes only. It assumes 5% annual growth for 20 years. The tax-deferred (after tax) account assumes 24% in taxes are withdrawn in a lump sum at the end of 20 years. The taxable account assumes 24% in taxes are withdrawn at the end of every year. Tax-deferred accounts are subject to ordinary income tax at the time of withdrawals. The hypothetical example does not reflect a specific annuity or an actual account value. It does not include any fees or expenses which would lower performance.
Clients purchasing an annuity through a tax-advantaged retirement plan (such as an Individual Retirement Account or 401(k) plan) will get no additional tax advantage through the annuity itself.

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Who can best benefit from SurePath?

SurePath can help meet the needs of clients who are:

Conservative, risk averse, or uncomfortable with the idea of losing money, but still want the potential to grow it
Looking for a way to protect and potentially grow a portion of their income-producing assets earmarked for retirement
Frustrated with the minimal returns they are receiving in today's low interest rate environment

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Our client-approved marketing materials make it easy to tell the SurePath story, and educate your clients on the strength of Prudential.

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SurePath Fixed Indexed Annuity
Features	Specifications
Minimum Premium Payment	Initial: $25,000 Subsequent: Not Permitted
Issue ages	Minimum: None / Maximum: 85 Contracts may not be issued on or after the 86th birthday of the oldest of all owners and annuitants
Latest annuity date	No later than the first contract anniversary on or after the oldest owner's or annuitant's 95th birthday

**Crediting Strategies & Terms**
Index-Based Strategy Point-to- Point Crediting	Strategies	Cap Rate		Participation Rate
	S&P 500^®Index^*	1-Year	3-Year	1-Year	3-Year
	MSCI EAFE Index^*	1-Year	3-Year	1-Year	3-Year
	Goldman Sachs Voyager Index^*	No Data	No Data	1-Year	3-Year

Fixed Rate
No Data	Fixed Rate Account
Fixed Rate Strategy	1-Year

^* The websites referenced above are not endorsed or supported by any of the Prudential Financial companies. Marketing and training materials contained on these websites need to be approved by the Prudential Annuities Marketing Compliance Unit prior to use.

Minimum Renewal, Cap & Participation & Fixed Rates

Index-Based Strategy

Index-Based Strategy
Surrender Period	Minimum Period	Cap Rate	Participation Rate
7 and 10 Years	During Surrender	2%	10%
7 and 10 Years	After Surrender	1%	5%

Fixed Rate Strategy
	Fixed Rate
Fixed Rate Strategy	Minimum renewal Fixed Rate during the surrender charge period 1.00%; after surrender charge period 0.05%


Surrender Charge Options¹	7 years: 9%, 9%, 8%, 7%, 6%, 5%, 4% 10 years: 9%, 9%, 8%, 7%, 6%, 5%, 4%, 3%, 2%, 1%
Market Value Adjustment (MVA)	Withdrawals in excess of the Free Withdrawal Amount, with the exception of Required Minimum Distributions calculated by Prudential, are subject to an MVA during the surrender charge period This adjustment may either increase or decrease the amount withdrawn and is determined by a formula that is tied to an external index.
Free Withdrawals	After the first contract year, clients may withdraw up to 10% of the account value (based on the previous contract anniversary, after all index/interest credits are applied) without surrender charges or MVA.

¹In California, surrender period/charges vary. Please see the California Important Disclosure Statement or fact card.

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Contact your wholesaler today and have our team of experts and resources work for you.

Call us at 844-207-6984, Option 4

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Issuing company is located in Newark,NJ (main office). Pruco Life Insurance Company, a Prudential Financial company, is solely responsible for its own financial condition and contractual obligations. Prudential Annuities is a business of Prudential Financial, Inc.

All references to guarantees are backed by the claims-paying ability of the issuing insurance company.

We do not provide tax, accounting, or legal advice. Please have your clients consult their own attorney or accountant.

A fixed indexed annuity (FIA) is a tax-deferred financial tool designed for the long term. It offers a level of protection for your clients' money against loss with the opportunity for it to grow based on the performance of a specific market index, or combination of indices. With a FIA, your clients' money is not actually invested in any index, but rather may earn interest based on the index's performance. Clients have the option to allocate money into a strategy based on a cap rate or a participation rate. The cap rate is the maximum amount of interest that can be credited during a specific index term. The participation rate is the percentage of any index increase used to calculate the interest that will be credited for a specific index term(s). Initial cap rates and participations rates are set at the time you purchase your contract, but may change after the completion of the index term(s). For complete information about the annuity, please refer to the Important Information Disclosure Statement PDF opens in a new window.

Availability subject to state approvals, licensing and firm agreements.

Please note that withdrawals are not eligible for any future credits.

It is not possible to invest directly in an index.

The Goldman Sachs Voyager Index was customized for the exclusive use within Prudential’s Fixed Indexed Annuities. This proprietary index seeks to achieve growth of capital by investing in a diversified, global mix of assets while providing for a dynamic allocation, enhanced diversification, volatility management and the potential to better navigate a full market cycle.

MSCI EAFE Index (Europe, Australasia, Far East) is a widely accepted benchmark for international stock performance. It is a free float-adjusted market capitalization index that is designed to measure the equity market performance of 21 developed markets, excluding the U.S. and Canada. S&P 500^® Index is a market capitalization-weighted index of the 500 widely held stocks often used as a proxy for the stock market. S&P chooses the member companies for the 500 based on market size, liquidity and industry group representation.

S&P 500^® Index is a market capitalization-weighted index of the 500 widely held stocks often used as a proxy for the stock market. S&P chooses the member companies for the 500 based on market size, liquidity and industry group representation.

the "S&P 500^® Index" is a product of S&P Dow Jones Indices LLC, a division of S&P Global, or its affiliates ("SPDJI"), and has been licensed for use by Pruco Life Insurance Company. Standard & Poor's^® and S&P^® are registered trademarks of Standard & Poor's Financial Services LLC, a division of S&P Global ("S&P"); Dow Jones^® is a registered trademark of Dow Jones Trademark Holdings LLC ("Dow Jones"). Pruco Life Insurance Company's Product(s) is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, or their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the S&P 500^® Index.

MSCI EAFE Index: The annuity contract referred to herein is not sponsored, promoted or endorsed by MSCI, and MSCI bears no liability with respect to any such annuity contract or any index referred to by any such annuity contract. The Disclosure Statement contains a more detailed description of the limited relationship MSCI has with Pruco Life Insurance Company and any related annuity contracts.

Goldman Sachs Voyager Index: This fixed indexed annuity is not sponsored, endorsed, sold, guaranteed, underwritten, distributed or promoted by Goldman Sachs & Co. LLC or any of its affiliates, (including Goldman Sachs Asset Management, L.P.), with the exception of any endorsement, sales, distribution or promotion of this product that may occur through its affiliates that are licensed insurance agencies (excluding such affiliates, individually and collectively, "Goldman Sachs"). Goldman Sachs makes no representation or warranty, express or implied, regarding the advisability of investing in annuities generally or in fixed indexed annuities or the investment strategy underlying this fixed indexed annuity particularly, the ability of the Goldman Sachs Voyager Index to perform as intended, the merit (if any) of obtaining exposure to the Goldman Sachs Voyager Index or the suitability of purchasing or holding interests in this fixed indexed annuity. Goldman Sachs does not have any obligation to take the needs of the holders of this fixed indexed annuity into consideration in determining, composing or calculating the Goldman Sachs Voyager Index. GOLDMAN SACHS DOES NOT GUARANTEE THE ACCURACY AND/OR COMPLETENESS OF THE GOLDMAN SACHS VOYAGER INDEX OR OF THE METHODOLOGY UNDERLYING THE INDEX, THE CALCULATION OF THE INDEX OR ANY DATA SUPPLIED BY IT FOR USE IN CONNECTION WITH THIS FIXED INDEXED ANNUITY. GOLDMAN SACHS EXPRESSLY DISCLAIMS ALL LIABILITY FOR ANY SPECIAL, PUNITIVE, INDIRECT OR CONSEQUENTIAL DAMAGE EVEN IF NOTIFIED OF THE POSSIBILITY OF SUCH DAMAGES.

There is no guarantee that the index will not underperform some or all of the underlying assets. In particular, the index may have a significant weight in one of those assets at the time of a sudden drop, or no exposure to one of those underlyings at a time it has a strong performance, or a significant weight to the cash component. Different indices with a different set of underlying assets may significantly outperform the selected index. The index is not actively managed and Goldman Sachs does not exercise discretion in constructing, calculating or executing the strategy. For further information and disclosure about the strategy, including relevant risk factors, please refer to the related transaction documentation. The index was launched on June 7, 2019.

The Goldman Sachs Voyager Index includes an annual 0.50% index fee, which accrues daily, meaning that a small portion of the fee is removed from the Index each day. The index fee is included in order to account for index rebalancing, maintenance and hedging and transaction costs.

For Compliance Use Only: 1023277-00004-00

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Assurance IQ, LLC a wholly-owned subsidiary of Prudential Financial, Inc. ("Prudential") matches buyers with products such as life and health insurance and auto insurance, enabling them to make purchases online or through an agent. Neither Prudential Financial, Inc. nor Assurance IQ issues, underwrites, or administers health plans or health insurance policies.

Life Insurance and Annuities are issued by The Prudential Insurance Company of America, Pruco Life Insurance Company (in New York, by Pruco Life Insurance Company of New Jersey), located in Newark, NJ (main office). Variable annuities are distributed by Prudential Annuities Distributors, Inc. (PAD), Shelton, CT. All are Prudential Financial Inc. (PFI) companies, and each is solely responsible for its own financial condition and contractual obligations. Prudential Retirement Strategies is a business of Prudential Financial, Inc.

Prudential Annuities Life Assurance Corporation (to be renamed Fortitude Life Insurance & Annuity Company) (“PALAC”), Shelton, CT (main office) was acquired on April 1, 2022 by Fortitude Group Holdings, LLC, the parent company of Bermuda’s largest multi-line reinsurer (“Fortitude Re”). As a result of the acquisition by Fortitude Re, PALAC is not affiliated with PFI or any of its subsidiaries. A Prudential entity will continue to service and administer all PALAC contracts. PALAC variable annuities are distributed by PAD, Shelton, CT. PAD is wholly owned by PFI; PALAC is wholly owned by Fortitude Re; each is solely responsible for its own financial condition and contractual obligations.

PALAC is not licensed to do business in New York, effective December 31, 2015. This will have no impact on existing annuity contracts sold through PALAC.

Group Insurance coverages are issued by The Prudential Insurance Company of America, a Prudential Financial company, Newark, NJ

LINK by Prudential is an umbrella marketing name for various subsidiaries of The Prudential Insurance Company of America. Investment advisory products and services of LINK by Prudential are made available through Pruco Securities, LLC, (sometimes referred to as “Pruco”) doing business as Prudential Financial Planning Services, pursuant to separate agreement. Prudential LINK and LINK by Prudential occasionally may be referred to as LINK.

Where LINK by Prudential is made available in connection with certain Financial Wellness products, access is made available through Prudential Workplace Solutions Group Services (“PWSGS”). PWSGS provides access to a number of Financial Wellness products, services, seminars and tools offered by PWSGS, its affiliates or third parties. PWSGS is a subsidiary of Prudential PWSGS is not a licensed insurance company, does not provide insurance products or services and does not provide financial, investment or other advice. Individuals should consult appropriate professionals when making financial, investment and tax decisions.

Prudential LINK financial representatives currently offer a more limited range of insurance and annuity products (“insurance products”) compared to the range of insurance products offered through other Prudential distribution channels.

For additional important information about the products, services and companies that make them available, please click here.^* Opens in new window

Virtual Advisors may provide investment advisory services that are limited in scope and do not constitute comprehensive financial planning.

This web page is being provided for informational or educational purposes only and does not take into account the investment objectives or financial situation of any client or prospective clients. The information is not intended as investment advice and is not a recommendation about managing or investing your retirement savings. Clients seeking information regarding their particular investment needs should contact a financial professional. Prudential Financial, its affiliates, and their financial professionals do not render tax or legal advice. Please consult with your tax and legal advisors regarding your personal circumstances. In providing this information, neither Prudential nor any of its affiliates or financial professionals is acting as your ERISA fiduciary.

This website is for U.S. persons Opens in new window only and may not be approved in all states. Information contained on this site does not and is not intended to constitute an advertisement, solicitation, or offer for sale in any jurisdiction outside the United States, where such use would be prohibited or otherwise regulated.

Securities and Insurance Products:

Certain securities products and services are offered through Pruco Securities, LLC and Prudential Investment Management Services, LLC, both members SIPC Opens in a new window and located in Newark, NJ, or Prudential Annuities Distributors, Inc., located in Shelton, CT. See Statement of Financial Condition PDF Opens in a new window for Prudential Investment Management Services, LLC.
Investing in securities involves risk, and there is always the potential of losing money. Asset allocation and rebalancing do not ensure a profit or guarantee against loss.
You should consider the features of the contract and/or the underlying portfolios’ investment objectives, policies, management, risks, charges and expenses carefully before investing. This and other important information are contained in the prospectus. Please read the prospectus carefully before investing or sending money.
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All references to income certainty and guarantees, including optional benefits, are backed by the claims-paying ability of the issuing company and do not apply to the underlying investment options.
Projections generated regarding likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results and are not guarantees of future results. Results derived from various “what if” scenarios for your financial life may not reflect the actual costs or amounts ultimately needed to fund specific life events. Prudential and its affiliates are not liable for use of the LINK by Prudential experience. Learn more about our Methodology Opens in a new window.

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