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Is an Annuity Right for Me?

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If you’re planning for your retirement, you’ve likely heard that an annuity 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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Comparing Annuities

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

What is a Variable Annuity?

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 lifetime income.

Fixed Indexed Annuities: Protection and Growth Opportunity in One

If you are looking to protect your savings from loss, but also want the opportunity to grow it without the risk that comes with investing in the stock market, a fixed indexed annuity could be right for you.

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Common Annuity Myths

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 investors seeking security and lifetime income in retirement.

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What is the Best Annuity Rate?

It may be tempting to approach the annuity selection process the same way you would other financial vehicles like credit cards or home loans — by comparing the rates. But choosing an annuity on the basis of rates alone may not be the best approach.

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footnote

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: 1000622-00001-00

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