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Market Change is Inevitable Are Your Clients Prepared?

That is why it is important to talk with your clients about how an annuity can generate retirement income or plan a legacy, so your clients can prepare for market volatility.

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Call 1-844-207-6976 to register or     Sign inopens in a new window

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"The investment profile looks to be especially challenging as we head into 2019."

Source: PGIM Investments, Strategic Investment Research Group. Investment Manager Survey, January 2019

 


 

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Are Your Clients Prepared for a Market Downturn?

The closer your clients are to retirement, the less time they have to make up for losses they experience. For a client nearing or in retirement it can be significantly harder to recover from an investment loss.

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The hypothetical example above shows what happens to two investors, who enter retirement each with a $500,000 portfolio amount, withdraw $25,000 each year, and experience the same 5.2% average net annual return over 10 years. The only difference between them is the sequence in which they experience their investment returns is exactly opposite, and this leads to some surprisingly different outcomes.

Down Market Early $537,227

After 10 years, your client's retirement savings is
actually more than when they started

Down Market Late $315,088

After 10 years, your client's retirement savings
has significantly depleted

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Clients are worried about future market downturns and are looking for alternative solutions.
We have a range of options to help meet these needs.

 

Since 1945,
there have been
15 separate bear markets.

Over the past 70 years,
bear markets have occurred every
four to five years on average.

Source: Bloomberg.com, Ben Carlson: Prepare for the Next Bear Market in Stocks, January 10, 2018

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Get Your Clients Ready with Solutions from Prudential

From protection and growth opportunity to guaranteed lifetime income, Prudential offers an array of strategies that can protect your clients from loss due to market downturns.

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PruSecure Fixed Indexed Annuity

PruSecure provides guaranteed asset protection from market loss, and the opportunity for growth.



Principle protection and opportunity for growth in one

Prudential Defined Income Variable Annuity

Prudential Defined Income lets you know exactly what your guaranteed lifetime income will be.


Learn about income you can count on

Highest Daily Lifetime® Income Optional Benefit

Highest Daily can help provide guaranteed daily growth of your retirement income - regardless of how the market performs.

See how to make every day count

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Let us help you protect your clients against a market downturn.

To learn more about our annuity products and marketing programs, call your wholesaler or 800-513-0805.

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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.

Annuity contracts contain exclusions, limitations, reductions of benefits, and terms for keeping them in force.

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.

All references to guarantees, including the benefit payment obligations arising under the annuity contract guarantees, rider guarantees, optional benefits, any fixed account crediting rates or annuity payout rates are backed by the claims-paying ability of Pruco Life Insurance Company and Pruco Life Insurance Company of New Jersey. Those payments and the responsibility to make them are not the obligations of the third party broker/dealer from which this annuity is purchased or any of its affiliates. All guarantees, including optional benefits, do not apply to the underlying investment options.

Optional 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.

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. There is typically an upper limit, known as a "cap," on the amount of potential interest credited in a given period, as well as a "floor" that offers downside protection. For complete information about the annuity, please refer to the Important Information Disclosure Statement.

Issued on contracts: P-BLX/IND(2/10), P-BLX/IND(2/10)NY, P-CR/IND(2/10), P-CR/IND(2/10)NY, P-OB/IND(5/14), P-OC/IND(5/14), P-BBND(2/13), PI-SPIA/IND(2/14), ICC17- FIAE(11/17), FIAE/IND(11/17), et al. or state variation thereof.

Issued on riders: P-RID-HD(2/14) and P-RID-HD(2/14)-NY et al. or state variation thereof.

Created Exclusively for Use by Financial Professionals. Not for Consumer Use.

For Compliance Use Only:

1018280-00001-00

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