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Protected lifetime income with the
flexibility to evolve with you


Prudential MyRock® Advisor
Variable Annuity

MyRock Advisor with the optional Defined Income Benefit, available for an additional fee, is a protected lifetime income solution that lets you know exactly what your guaranteed income will be – whether you take income now, or in the future.

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MyRock Advisor with the Defined Income Benefit offers you:

Guaranteed Lifetime Income

Add the certainty of guaranteed lifetime income to your financial planning

Income Now or Later

Start your protected lifetime income at any time


Flexible features can change as your life evolves

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    • Know exactly what your guaranteed lifetime income will be no matter when you start taking income
    • Aims to provide a higher level of minimum guaranteed income, at a lower cost than generally found with most other variable annuities with living benefits
    • Have the flexibility to access your funds (subject to contract terms)
    • Add money to the annuity at any time, even if lifetime income has begun
    • Add or remove the flexible spousal income protection option any time before income begins
    • Leave a legacy to loved ones with a built-in death benefit, or, for an additional fee, an optional Return of Purchase Payments (ROP) Death Benefit

  • Defined Income Benefit offers a flexible spousal income protection option that can be added or removed at any time before income begins.
    By choosing this option, when you or your spouse passes away, the surviving spouse can:

    • Continue to receive income uninterrupted for the rest of his or her life, guaranteed
    • Maintain access to any remaining account value should an unexpected need arise
    • Know that any remaining money will be paid to beneficiaries thanks to the built-in death benefit

  • With the Defined Income Benefit, you can add money to the investment at any time.

    • Have the opportunity to add to your Guaranteed Income Amount with each additional purchase payment
    • Adding money to your investment may help lower the cost of the annuity over time

    We may limit, restrict, suspend or reject any additional purchase payments at any time on a non-discriminatory basis.

  • With MyRock Advisor, you can invest in 5 bond portfolios from brand-name money managers. You and your Registered Investment Advisor can choose any combination of the bond portfolios to help create a mix that is suitable for your retirement needs.

    • AST BlackRock Corporate Bond Portfolio
    • AST PIMCO Corporate Bond Portfolio
    • AST Prudential Corporate Bond Portfolio
    • AST T. Rowe Price Corporate Bond Portfolio
    • AST Western Asset Corporate Bond Portfolio

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Have the Freedom to Choose Income Now or Income Later

Income Now

At the time of your initial purchase payment, you can decide to begin guaranteed lifetime income immediately


Income Later

If you wait, your guaranteed lifetime income continues to grow until you decide to begin Lifetime Withdrawals

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This hypothetical example is for illustrative purposes only and assumes that the benefit is elected at contract issue. It does not reflect a specific annuity, an actual account value or the performance of any investment. The growth is applied daily on a simple interest basis and equals the Income Growth Rate annually.

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Talk to Your Registered Investment Advisor About Adding a Variable Annuity to Your Retirement Income Strategy



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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 references to income certainty and 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 attorney or accountant when making important investment decisions. Prudential Annuities does not provide investment advice. 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.

What are the costs associated with the MyRock Advisor Variable Annuity?

MyRock Advisor is available at an annual insurance charge of 0.40% for net purchase payments less than $1 million, and 0.25% for net purchase payments of $1 million or greater, with additional fees related to the professionally managed investment portfolios. We reserve the right to increase the insurance charge for new contracts up to 2.00%. The Defined Income Benefit is available for an additional annual benefit charge of 0.80%. We reserve the right to increase the benefit charge for new elections of the benefit and, for existing contracts, after the third benefit year up to 1.50%. The Return of Purchase Payments Death Benefit is available for an additional annual benefit charge of 0.10%. We reserve the right to increase the benefit charge for new contracts up to 0.50%. Additional fees, such as withdrawal fees, transfer fees and administrative fees also apply. Please see the prospectus for additional information.

What are the limitations and restrictions I need to consider?

Please note, unlike many other annuity contracts, the annuity does not currently provide a diverse set of investment choices that would provide the option to allocate money among a variety of investment choices with different investment styles, objectives, strategies and risks.

The product and/or optional benefits may not be available in every state and have requirements for election and other restrictions. The Defined Income Benefit cannot be cancelled in the first year following election; however, upon specified events, we may terminate the benefit. The benefit charges are in addition to fees and charges associated with the basic annuity. Please see the prospectus for more information.

What happens if I take excess withdrawals from my account?

Withdrawals in excess of the Guaranteed Income Amount impact the value of your benefit and can also affect the certainty of your income. An excess withdrawal occurs when the cumulative Lifetime Withdrawals exceed the Guaranteed Income Amount in any benefit year. If an excess withdrawal is taken, only the portion of the Lifetime Withdrawal that exceeds the remaining Guaranteed Income Amount will proportionally and permanently reduce your Guaranteed Income Amount for future years. If an excess withdrawal reduces the account value to zero, no further amount would be payable and the contract terminates. Please note that Non- Lifetime Withdrawals proportionally reduce the Guaranteed Income Amount by the ratio of the Non-Lifetime Withdrawal amount to the Account Value immediately prior to the Non-Lifetime Withdrawal.

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: ICC19‐P‐VA/IND(6/19), P‐VA/IND(6/19) et al, or state variation thereof

Issued on riders: ICC19‐P‐RID‐LI(6/19), P‐RID‐LI(6/19) et al, or state variation thereof; ICC19‐P‐SCH‐LI(6/19), P‐SCH‐LI(6/19) et al, or state variation thereof; ICC19‐P‐RID‐ROP(6/19), P‐RID-ROP(8/19) et al, or state variation thereof; ICC19‐P‐SCH‐ROP(6/19), P‐SCH‐ROP(6/19) et al, or state variation thereof





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