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    Video Title: PRU SSFI FINAL v014a 2023 09 20 480



[DESCRIPTION: On screen text. Guaranteed income Secure growth potential. Prudential Income Advantage Indexed Structured Settlement. Prudential.]

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>> If you're like many physical injury claimants, you may have some questions about your settlement options.

[DESCRIPTION: Will the funds grow securely? Will my income be there when I need it? Can I reduce future income taxes?]

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For 40 years, Prudential has helped settlement recipients achieve financial security through a structured settlement.

And now, we offer an additional option - Income Advantage, in innovative indexed-structured settlement.

Along with many of the benefits that structured settlements deliver, Income Advantage provides the opportunity to achieve market-based gains with growth linked to the S&P 500 Index, while also protecting against market declines.

And it's backed by the strength of Prudential, a highly-rated insurance company.

[DESCRIPTION: All annuity contract guarantees are backed by the issuing company's claims-paying ability.]

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These benefits can make a positive difference in helping you move forward with greater confidence.

Let's look at how Income Advantage works.

Your payments are deferred until a date in the future.

During this deferral period, Income Advantage is linked to the S&P 500, an index that tracks the performance of the 500 largest companies listed on the US stock exchanges.

Changes in the S&P 500 are measured in 1-, 2-, or 5-year increments called index terms, which you select.

At the end of each index term, any growth is credited, up to a maximum called a cap rate.

It works like this.

If the S&P 500 increases by an amount less than the cap rate, interest credited will equal the S&P 500 percentage change.

[DESCRIPTION: An example on a bar graph. Assumes a hypothetical 8 percent cap rate. Actual cap rate may vary. In the example, the S and P 500 grows 5 percent. Income Advantage grows 5 percent.]

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If the S&P 500 increases by an amount greater than, or equal to the cap rate, interest credited will equal the cap rate.

[DESCRIPTION: In the example the S and P 500 grows 15 percent. Income Advantage grows 8 percent.]

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With Income Advantage, you're also protected in case the S&P 500 declines.

This means if the S&P 500 decreases or is unchanged, no interest is credited, and any previously credited interest is preserved.

The premium plus any interest credited is called the accumulation amount.

This amount will never decrease.

It will never dip below the premium amount and you will not lose any previously credited interest.

At the end of the deferral period, the final accumulation amount will be multiplied by a predetermined payout rate to determine the annual payment amount.

[DESCRIPTION: For semi-annual, quarterly, or monthly payments, divide the annual payment amount by the number of payments per year.]

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The payment amount is fixed throughout the payout period and all payments are guaranteed and income tax free.

[DESCRIPTION: Pursuant to paragraphs (1) or (2) of Section 104 (a) of the Internal Revenue Code.]

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Think Income Advantage might be the right option for you?

[DESCRIPTION: Minimum $20,000.]

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A structured settlement consultant will work with you to design a settlement plan that meets your needs and help you decide how much of your settlement to allocate to Income Advantage, how long to defer your payments, the index term, and, finally, how many years to receive payments and how often.

[DESCRIPTION: Pursuant to underwriting guidelines.]

[DESCRIPTION: One year, two year, five year.]

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Payments can be made annually, semiannually, quarterly, or monthly.

For nearly 150 years, Prudential has been helping individuals achieve and maintain financial wellness and security.

[DESCRIPTION: Nearly 150-year history of delivering on our promises. 40 years of structured settlement expertise and experience. World's Most Admired Companies. Back by The Prudential Insurance Company of America. A. M. Best Company, A plus. Standard and Poor's, A A minus. Moody's Investors Service, A a 3. Fitch Ratings, A A minus. As of September 1, 2023. These ratings are provided for information purposes only. Ratings are solely the opinions of the rating agencies. Prudential Financial, Incorporated and its affiliates and subsidiaries do not endorse, and accept no responsibility for, the ratings issued by the rating agencies. Ratings may be changed, superceded, or withdrawn by the rating agencies at any time.]

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We can help you look forward to a future filled with greater potential and possibility.

For more information on how Income Advantage can help you, contact your attorney or structured settlement consultant.

[DESCRIPTION: Prudential dot Com slash Structured Settlements. Who's Your Rock? Prudential. Important Disclosures. The S and P 500 Index are products of S and P Dow Jones Indices, L L C, a division of S and P Global, or its affiliates (S P D J I), and have been licensed for use by The Prudential Insurance Company of America. Standard and Poor's and S and P are registered trademarks of Standard and Poor's Financial Services, L L C, a division of S and P Global (S and P). The Prudential Insurance Company of America's products are not sponsored, endorsed, sold or promoted by S P D J I, S and P, or their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such products nor do they have any liability for any errors, omissions, or interruptions of the S and P 500 Index. Ratings are as of 9/1/2023. While ratings can be objective indicators of an insurance company's financial strength and can provide a relative measure to help select among insurance companies, they are not guarantees of the future financial strength and/or claims paying ability of a company and do not apply to any underlying variable investment options, which are subject to market risk. The broker-dealer and/or insurance company from which a policy is purchased, the insurance agency from which a policy is purchased, and any affiliates of these entities make no representations regarding the quality of the analysis conducted by the rating agency. The rating agencies are not affiliated with the above-mentioned entities nor were they involved in any rating agency's analysis of the insurance companies. Ratings are subject to change and do not reflect any subsequent rating agency actions. We make every effort to update our literature as soon as possible after a rating change. Please visit our investor relations site. W W W dot Investor dot Prudential dot Com slash Ratings slash Default dot A S P X for the most current ratings information. Structured settlement products are insurance contracts issued by The Prudential Insurance Company of America (P I C A), Newark, New Jersey. P I C A is a wholly owned subsidiary of Prudential Financial Incorporated. P I C A is solely responsible for its financial condition and contractual obligations. None of P I C A, its affiliates, or any of its licensed financial professionals are authorized to provide tax or legal advice. You should consult with your own tax and/or legal counsel for advice regarding your situation. This material is intended for informational purposes only. Before entering into a transaction of the type described herein, you should consider the suitability of the transaction to your particular circumstances and independently review (with your professional advisors as necessary) the specific financial risks as well as the legal, regulatory, investment, credit, tax, and accounting consequences. Copyright 2023 Prudential Financial, Incorporated and its related entities. Prudential, the Prudential logo, and the Rock symbol are service marks of Prudential Financial, Incorporated and its related entities, registered in many jurisdictions worldwide. 1067217-00002-00. Ed. Date: O9/2023.]

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