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Is an Annuity Right for Me?

If you’re planning for your retirement, you’ve likely heard that annuities can be a way to create retirement income and defer year-end taxes. But what are annuities and how can you tell if one is right for you?

This section offers information that can help you decide.

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Variable Annuities: Are They Worth It?

Unlike other financial instruments, variable annuities bring the power of investing and insurance together in one unique retirement product with 4 advantages: tax deferral, choice and flexibility, legacy protection and the opportunity for guaranteed income. With these benefits come fees, but many consider the trade-off between what they cost and what they provide to be a sensible one.

Comparing Annuities

There are many variable annuity products available, each with different features, associated costs and restrictions. With so much to understand, how can you determine which one is best suited to your retirement needs and objectives?

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Annuity Myths: What’s True, What’s Not

When researching annuities, it’s not unusual to come across conflicting opinions about them. True, they may not be right for everyone, but they can be just the right choice for certain kinds of investors.

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How do people typically fund an annuity?

Once you and your financial professional have determined that an annuity is right for you, a common question is “How can I get the money from my current account, into the annuity?”

Here are the 2 most common ways to fund an annuity.

  1. Use a personal check.
  2. Transfer from another retirement account or annuity

Please be sure to discuss all options with your financial professional as there can be differences in features, benefits, fees and/or tax implications associated with transferring funds from retirement accounts or existing annuity contracts.

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footnote

These web pages are for informational or educational purposes only; they are not intended as investment advice and are not a recommendation about managing or investing your retirement savings. In providing this information, Pruco Life Insurance Company (in New York, Pruco Life Insurance Company of New Jersey), Newark, NJ and Prudential Annuities Distributors, Inc. are not acting as your fiduciary as defined by any applicable laws and regulations.

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 from your financial professional. Please read the prospectus carefully before investing.

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

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

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 death benefit.

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

For Compliance Use Only: 0294982-00003-00

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