Web Content Viewer

Actions

Benefits of a
Variable Annuity

 

Web Content Viewer

Actions

Web Content Viewer

Actions


Sign in to Prudential’s Advisor website to access tools, illustrations, and more     Sign in

Web Content Viewer

Actions

A Variable Annuity Can Complement a
Client’s Wealth Management Portfolio.

Guaranteed Lifetime Income

Annuities can provide the certainty of guaranteed lifetime income

Mitigates Market Uncertainty

Protected lifetime income guarantees from an annuity can help clients weather market volatility and stay invested for their future

Legacy Protection

Typically annuities offer a basic death benefit, and can offer an optional enhanced death benefit for an additional fee

Web Content Viewer

Actions

Investors are Looking for Guaranteed Lifetime Income

70% of consumers believe advisors should discuss guaranteed lifetime income, and that not discussing guaranteed lifetime income would be a reason for many to consider changing advisors.

Greenwald & Associates/CANNEX, Fourth Annual Guaranteed Lifetime Income Study (GLIS), 3/2018

Web Content Viewer

Actions

Why Add Guaranteed Lifetime Income?

There are many retirement income challenges your clients will face, including longevity risk, market volatility and rising healthcare costs. Guaranteed lifetime income from a variable annuity can help meet these challenges.

  • A 65-year-old married couple has nearly a 50% chance that one spouse will live to age 94, and a 25% chance to age 98.

    Society of Actuaries RP-2014 Mortality Table projected with Mortality Improvement Scale MP-2014, 2016

  • The average retiree will likely face 5 bear markets in retirement.1 And the average bear market lasts 14 months with an average loss of 33%.2

    1SeekingAlpha.com, What Should Retirees Do During a Bear Market?, 6/23/17; TheBalance.com, Average Retirement Age in the United States, 3/16/17
    2Time.com/Money, Here’s How Devastating a Bear Market Can Be,1/26/16

  • Whether rates remain flat, rise, or fall, the ability to generate needed income may be in jeopardy.

  • It’s estimated that an average healthy 65-year-old couple will need $285,000 just pay for medical expenses for the remainder of their lives – not including long-term care costs.

    Fidelity Benefits Consulting estimate; 2019

Web Content Viewer

Actions

We’re committed to helping you expand your service offering.

Call us today at 844-207-6981.

Web Content Viewer

Actions

footnote

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.

Variable annuities are issued by Pruco Life Insurance Company (in New York, by Pruco Life Insurance Company of New Jersey), Newark, NJ (main office) and distributed by Prudential Annuities Distributors, Inc., Shelton, CT. All 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.

A variable annuity is a long-term investment designed for retirement purposes. 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. 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.

Prudential Annuities and its distributors and representatives do not provide tax, accounting, or legal advice. Clients should consult their own attorney or accountant.

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.

Withdrawals in excess of the income amount impact the value of a product or benefit and can also affect the certainty of the income. An excess withdrawal occurs when cumulative Lifetime Withdrawals exceed the income amount in an annuity year. If an excess withdrawal is taken, only the portion of the Lifetime Withdrawal that exceeds the remaining income amount for that year will proportionally and permanently reduce future guaranteed amounts. If an excess withdrawal reduces the account value to zero, no further amount would be payable and the contract terminates.

Optional living and 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. Please see the prospectus for more information.

Created Exclusively For Financial Professionals. Not For Consumer Use.

For Compliance Use Only: 1024019-00001-00

Web Content Viewer

Actions

Web Content Viewer

Actions

Pru-Annuities-Attestation

Actions