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Is Guaranteed Income For Tomorrow (GIFT)℠ for you?

If you’ve read about GIFT, watched our video and used the GIFT tool you are ready to decide.

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What Could Your Retirement Be Like With Guaranteed Income For Life?

If you’re like most Americans, you’re probably worried about how you’ll afford retirement. You either haven’t saved or haven’t saved enough. You’re concerned that a volatile market might put the money you have been able to put away at risk. You may worry that you aren’t savvy enough to make what you have saved last.

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Introducing Guaranteed Income For Tomorrow (GIFT)

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Transcript

A Deferred Income Annuity to Provide Retirement Income You Can Count on

Typically, most people plan that they will need somewhere between 70-90% of their pre-retirement income in order to have a reasonable shot at a secure retirement.1 Maximizing your company retirement plan and Social Security might not be enough. What can you do to help make up the difference – especially considering that people are living longer? GIFT2 is Prudential’s easy, flexible and affordable new way to bolster your income for retirement with a guaranteed lifetime income stream that will never run out, no matter how long you live. GIFT is issued by Prudential Annuities Life Assurance Corporation and, in New York, by Pruco Life Insurance Company of New Jersey.

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GIFT Helps You Retire on Your Own Terms

GIFT makes it easy to have guaranteed lifetime income alongside retirement accounts such as an IRA or 401(k).

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Get Started With As Little As $1003

No large lump sum payment required here. You can get started for as little as $100 per month3. With each contribution, you purchase guaranteed lifetime income. As you continue to contribute, your amount of guaranteed lifetime income grows.

You Are In Control

You determine now how much you contribute directly from your bank account (or even your paycheck, if available) and when you’ll start receiving your guaranteed lifetime income (once you’re at least 59½, and as long as it is at least 13 months after you enroll).

GIFT Is Guaranteed Lifetime Income

You know that no matter how long you live, no matter if the stock market suffers a downturn, you will be able to count on this purchased guaranteed lifetime income.

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Four Simple Steps to Guaranteed Lifetime Income

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Step 1: Learn

You determine if GIFT will help fill any gaps you may have in your retirement strategy. Here are resources you should review:

Step 2: Enroll

You enroll in GIFT and start by contributing as little as $100 per month3 – either through transfers from your bank account or after-tax payroll deductions (if available through your employer).

Step 3: Manage

You use a secure Prudential website to monitor GIFT and start, stop or modify your contributions any time.

Step 4: Receive

You will automatically begin receiving your guaranteed lifetime income once you reach your Income Start Date chosen at the time you enroll in GIFT.

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Prudential Annuities®, An Innovative Leader In Guaranteed Lifetime Income

  • We are comprised of several insurance companies, two of which issue GIFT, namely Prudential Annuities Life Assurance Corporation and, in New York, Pruco Life Insurance Company of New Jersey.
     
  • We are committed to meeting America’s retirement income challenges.2

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Sources:
1CNN-Money “How do I know how much I’ll need in Retirement?” July 2017
2Guaranteed Income For Tomorrow (GIFT) is issued by Prudential Annuities Life Assurance Corporation, Shelton, CT (main office) and in New York by Pruco Life Insurance Company of New Jersey (main office in Newark, NJ), both Prudential Financial companies, which are solely responsible for their own financial condition and contractual obligations.
3Minimum monthly contributions are $100 if you set an income start date that’s more than 20 years from the date you enroll. The monthly minimum is $200 if you set an income start date that’s 20 years or less from the date you enroll. If you do not contribute to your contract for two full years (three if you live in New York State when you purchase GIFT), and the total monthly Annuity Income Payment you have built up so far is less than $20, we reserve the right to terminate your contract and pay you a lump sum.

 

GIFT is currently available in every state except Florida, New York, and Oregon.  State availability is subject to change.

GIFT is not a charitable gift annuity or a gift annuity; there is no actual gift or tax deduction.

All guarantees are based upon the claims-paying ability of the issuing company.

Annuity contracts contain exclusions, limitations, reductions of benefits and terms for keeping them in force.

Annuity Income Payments and any distribution made under the annuity are subject to ordinary income tax.

Prudential Financial and its affiliates do not render tax or legal advice.

GIFT is distributed through direct response solicitation with no financial professional. You need to determine if GIFT is right for you. We are providing educational materials so you can make an informed decision.

Contributions are defined as Purchase Payments in the Contract.

For Compliance Use Only: 1001771-00001-00

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Is GIFT for you?

If you’ve read about GIFT, watched our video and used the GIFT tool you are ready to decide.

Want to speak with someone about your GIFT questions? Call us at 800-773-8137

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