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How to Receive Your Funds


Lump Sum Payment Options

Prudential offers a few types of lump sum payment options. Each option type provides full payment through either a single check or immediate access to the entire proceeds of the policy as described below.

  • Proceeds Held At Interest:

    While proceeds are held at interest, you receive regular interest payments with the right to withdraw the unpaid balance. You may also elect to have interest accumulate.
  • Lump Sum Check:

    Receive the full benefit in a single lump sum check.


Installment Payment Options

Prudential also offers a number of deferred payment options, which pay out the proceeds over a period of time that you select (e.g., monthly payments for the rest of your life, or payment over a fixed number of years). If you select a deferred payment option, we will provide you with a written description of the terms of the installment payment option you selected.

  • Life Income:

    Monthly payments to you for life.
  • Life Income with a Certain Period:

    Monthly payments to you for life with a certain period of guaranteed payments to you or your named beneficiary.
  • Fixed Period:

    Payment for an elected number of years, with the right to withdraw the present value of unmade payments.
  • Fixed Amount:

    Payments of a selected amount until the proceeds and interest earned are fully paid to you, with the right to withdraw the unpaid balance.

The tax treatment of the death benefit may be different depending on the settlement option you choose. Please consult your tax advisor for advice. In addition, there may be other settlement options available to you. Should you have any questions about these settlement options, please contact Prudential at (800) 496-1035.


State-Specific Information


For Arkansas Policies:

If payment is made after 30 days from the day we receive proof of death of the insured, life insurance death benefits payable under policies issued in Arkansas will include interest at the rate of 8 percent per year. This interest will be payable from the date of death to the date of payment.


For Illinois Claimants:

Interest shall accrue on the proceeds payable because of the death of the insured, from the date of death, at a rate of 10% annually on the total amount payable or the face amount if payments are to be made in installments until the claim payment or first installment is paid, unless payment is made within thirty-one (31) days from the date of receipt by the company of due proof of loss and sufficient information to determine the appropriate payee legally entitled to the proceeds in accordance with 215 ILCS 5/224(1)(l).


© 2015 Prudential Financial, Inc. and its related entities.
Prudential, the Prudential logo, and the Rock symbol are service marks of Prudential Financial, Inc. and its related entities, registered in many jurisdictions worldwide.

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Investors should consider the contract and the underlying portfolios' investment objectives, risks, charges and expenses carefully before investing. This and other important information is contained in the prospectus, which can be obtained on the prospectus pageopens in a new window or by contacting the National Sales Desk. Your clients should 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. 

Prudential Annuities and its distributors and representatives do not provide tax, accounting, or legal advice. Please have your clients consult their own attorney or accountant. All references to 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.

For Compliance Use Only: 1025962-00002-00 Ed. 09/2020

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