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Help Clients Discover the Value of Annuities

Are your clients concerned about running out of retirement income? If so, they may want to consider an annuity as a part of their overall retirement strategy.

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Why Consider Annuities for Your Clients?

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Guaranteed Lifetime Income

Many annuities offer optional living benefits, for an additional fee, that provide income guarantees – including lifetime income.

Legacy Protection

Today many annuities typically include a standard death benefit, and often offer an optional enhanced death benefit for an additional fee.

Investment Choice & Flexibility

Most variable annuities offer a broad range of investment options to choose from.

Tax Deferral

Any growth in the annuity is tax-deferred until withdrawals begin.

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Get Ready to Change the Retirement Conversation Discover the Alliance for Lifetime Income

What exactly is this Alliance? It’s a whole new idea for our industry. It's a group of 24 top ﬁnancial companies – Prudential is proud to be a founding member – who’ve come together to raise customer awareness of what annuities can do, change the retirement planning conversation from a focus on accumulation to both accumulation and income, and make guaranteed lifetime income a priority for every investor.

Learn about how the Alliance can help you have better and more productive conversations

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Through the years, there have been various opinions about annuities. While they may not be right for everyone, there are many clients that can benefit from what annuities offer.

Get informed about the value annuities provide in creating guaranteed income for retirement.

Without help from their parents, many Gen Xers and millennials could struggle to overcome unprecedented financial challenges in retirement.

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Research shows that among retirees with similar wealth and health characteristics, those with annuity incomes are happiest.^*

But, here’s your challenge: Eight out of 10 people have little or no awareness of variable annuities with optional living benefits.^**

Let us help you. We have the tools and resources that can help you connect with your clients and help them discover the value of annuities.

See our client-approved tools

^* Thinkadvisor.com January 2016, accessed July 2018. Towers Watson Study, September 2012.

^** Greenwald and Associates, 2018 Guaranteed Lifetime Income Study, consumers ages 55 to 75

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

Call us at 1-844-207-6976

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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.

Annuities are issued by The Prudential Insurance Company of America, Newark, NJ, and its affiliates. Variable Annuities are 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.

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.

Annuity contracts contain exclusions, limitations, reductions of benefits, and terms for keeping them in force. A licensed financial professional can provide complete details.

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

All references to guarantees, including optional benefits, are backed by the claims-paying ability of the issuing company and do not apply to the underlying investment options.

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.

For Compliance Use Only: 1002164-00005-00

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Assurance IQ, LLC a wholly-owned subsidiary of Prudential Financial, Inc. 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 offers, underwrites, or administers health plans or health insurance policies.

LINK by Prudential is an umbrella marketing name for Prudential Customer Solutions LLC (“PCS”), Prudential Annuities Distributors, Inc. and various subsidiaries of The Prudential Insurance Company of America. Investment advisory products and services of LINK by Prudential are made available through PCS, an SEC registered investment adviser. PCS is not a licensed insurance agency or broker. 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 Financial, Inc. 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.

The LINK by Prudential free consultation provides an overview of your financial life and proposes solutions for you to consider. You will not receive a written financial plan and/or investment recommendations.

The content on this website is being provided for informational purposes only and is not intended to be tax or legal advice by PCS, its affiliates or their financial professionals. Please consult with your tax and legal advisors regarding your personal circumstances.

In providing this information, neither PCS nor any of its affiliates or financial professionals is acting as your ERISA fiduciary.

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 is contained in the prospectus. Please read the prospectus carefully before investing or sending money.

Not Insured by FDIC or any Federal Government Agency | May Lose Value | Not a Deposit of or Guaranteed by the Bank or any Bank Affiliate.

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.

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 associated with LINK, please click here.* Opens in new window

This website is for U.S. persons Opens in new window 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.

Prudential, the Prudential logo, the Rock Symbol, Bring Your Challenges, Prudential LINK and LINK by Prudential are service marks of Prudential Financial, Inc. and its related entities, registered in many jurisdictions worldwide.

"Prudential Advisors" is a brand name of The Prudential Insurance Company of America and its subsidiaries.

Prudential Financial, Inc. of the United States is not affiliated in any manner with Prudential, plc, incorporated in the United Kingdom, or with Prudential Assurance Company, a subsidiary of M&G plc, incorporated in the United Kingdom

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Help Clients Discover the Value of Annuities

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Why Consider Annuities for Your Clients?