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: