Annuity Strategies for Every Retirement Challenge

Footnote

What is a variable annuity?

A variable annuity is a contract with an insurance company. It's a long-term investment designed for retirement purposes. You invest money in professionally managed investment portfolios, where it accumulates tax-deferred. 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. When you retire, your investment can be used to generate a stream of regular income payments that are guaranteed for as long as you live. In addition, variable annuities may provide a guaranteed death benefit for your beneficiaries. It is important to remember that annuity contracts contain exclusions, limitations, reductions of benefits and terms for keeping them in force.

Why does the company behind the annuity matter?

When the time comes for you to use the benefits that are offered by a variable annuity it is important to remember that all guarantees including the optional benefits are backed by the claims-paying ability of the issuing insurance company and do not apply to the underlying investment options.

Who can help me determine if an annuity is right for me?

Your financial professional can help you determine if a variable annuity is suitable for you. Prudential Annuities and its distributors and representatives do not provide tax, accounting, or legal advice. Please consult your own financial professional or accountant when making important investment decisions. The selections you choose together with your financial professional are all dependent on your investment goals and your risk tolerance.

What happens if I need access to my money?

There are limitations and restrictions when making withdrawals. 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 the living and death benefits proportionately.

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.

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

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.

Issued on Contracts: P-OB/IND(5/14), P-OC/IND(5/14), P-BBND(2/13), P-RID-LI-DB(5/14), Riders: P-RID-HD(2/14), P-RID-HD-HDB(2/14), P-RID-DBROLL(5/17), et al. or state variation thereof.

For Compliance Use Only: 0295479-00006-00