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.
Your needs and the suitability of annuity products and benefits should be carefully considered before investing.
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 benefits. Any withdrawals maybe subject to the surrender charges and a Market Value Adjustment (MVA).
Market Value Adjustment (MVA) - A positive or negative adjustment that applies during the surrender charge period to any withdrawals that exceed the Free Withdrawal Amount.
All references to guarantees are backed by the claims-paying ability of the issuing company.
It is not possible to invest directly in an index.
CDs are FDIC-insured up to $250,000 per financial institution, and there may be a penalty for early withdrawal. Fixed indexed annuities are not FDIC-insured, and have limitations and surrender charges.
All products and/or product options may not be available in all states or with all broker/dealers.
S&P 500® Index is a market capitalization-weighted index of the 500 widely held stocks often used as a proxy for the stock market. S&P chooses the member companies for the 500 based on market size, liquidity and industry group representation.
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For Compliance Use Only: 1000624-00001-00