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Protect Today What You'll Leave Behind Tomorrow Prudential Legacy Protection Plus Death Benefit

As you prepare for retirement, you might be planning on leaving a legacy behind for your loved ones. A Prudential Premier Retirement® variable annuity with Legacy Protection Plus optional death benefit, available for an additional fee, can help you protect your legacy from market fluctuations while it continues to grow.

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Legacy Protection Plus Helps You:


Your death benefit value is protected from loss no matter how the market performs.


Your death benefit value is guaranteed to grow annually.


You have the option to control how your beneficiaries receive the death benefit payout.

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How Legacy Protection Plus Works

As a part of your retirement strategy, Legacy Protection Plus allows you to protect, grow and leave assets to your beneficiaries. Even though your annuity comes with a standard minimum death benefit, with no additional charge, you may want the opportunity to leave more to your loved ones by adding the Legacy Protection Plus optional death benefit.

Protect and Grow

This chart highlights how the Legacy Protection Plus benefit grows over time compared to the account value. Upon your passing, your beneficiaries would receive the greater of the death benefit value or the account value.

When you purchase Legacy Protection Plus, a minimum death benefit value (referred to as the roll-up death benefit amount in the prospectus), a roll-up rate and a roll-up cap will be established. The roll-up rate and roll-up cap percentage are set when your contract is issued and will not change for the life of the contract.

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Number 1

On each contract anniversary, the roll-up rate will increase your death benefit value until you reach the rollup cap.

Number 2

Even if the account value falls below the death benefit value, your beneficiaries will receive the greater amount.


If your account value grows above your death benefit value, your beneficiaries would receive the greater amount, which is the account value.

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This is a hypothetical example for illustrative purposes only. It does not reflect a specific annuity, an actual account value or the performance of any investment. The death benefit value is separate from the account value, which is not guaranteed, can fluctuate and may lose value. Please note the death benefit value is determined as of the date of death, whereas the account value, for purposes of determining the death benefit payable, is determined as of the date due proof is received.

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Protect What You’ll Leave Behind

A minimum death benefit value is established when you purchase Legacy Protection Plus. It will never decline due to market downturns. So your legacy is protected.

Grow Your Legacy

Your death benefit value is guaranteed to grow each year, even in down markets. On each contract anniversary, a guaranteed growth amount will be added to your guaranteed death benefit value and will continue to grow until certain events occur.

You will choose from a wide range of investments that may provide additional opportunities to grow your account value, and potentially leave even more to your beneficiaries.

Control How Your Legacy is Distributed

After you pass away, your beneficiaries will receive the greater of either the death benefit value or the account value. Additionally, you can choose from several different payout options to control how your legacy will be distributed after you have passed away.

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Investments to Help Grow Your Account Value

When you purchase Legacy Protection Plus, you will work with your financial professional to select investments from our asset allocation portfolios or build your own custom portfolio. We offer a range of investment portfolios from leading brand-name and boutique firms, across four diverse strategies:

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Portfolios offering management based on longer-term views of capital markets:

  • Multi-Manager & Single Manager
  • Stocks & Bonds
  • Domestic & International



Portfolios offering management based on shorter-term views of capital markets:

  • Active Management
  • Single Manager
  • Traditional Asset Classes & Exchange-Traded Funds



Portfolios offering a disciplined, quantitative approach to portfolio management:

  • Defined Mathematical Models
  • Market Index-Based Research
  • Removes Human Emotion from Process



Portfolios offering traditional and non-traditional investments which can be less correlated to the market:

  • Traditional & Non-Traditional
    Asset Classes
  • Absolute Return Focus
  • Long & Short Positions

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Legacy Protection Plus Can Help You:

  • Protect and grow your legacy
  • Control how money is paid to your beneficiaries
  • Potentially avoid probate related cost and delays, and maintain your privacy

Work with your financial professional to see if Legacy Protection Plus is an appropriate strategy for your legacy planning goals.



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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 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 purchasing this product?

Prudential Premier Retirement Variable Annuity is offered at an annual cost of 0.55% to 1.95% for mortality expense and administration fees, with additional fees related to the professional investment options. The fees will vary depending on the underlying annuity and investment options selected. The additional fee for Legacy Protection Plus is as follows: Ages 55 or Younger 0.65%, Ages 56-70 0.80%, Ages 71 and Older 0.95%. Annual benefit charges are determined at issue, subject to the terms outlined in the prospectus. Benefit charges are assessed against the death benefit value, deducted quarterly from the account value and taken pro-rata across the permitted subaccounts. Charges paid during contract year of death will not be refunded and there will be no pro-rata roll-up in the death benefit value. We reserve the right to deduct a final pro-rated charge if terminated. Charges continue after the roll-up cap is reached, and cease upon death or termination of the benefit. We reserve the right to increase the benefit charge up to the maximum of 1.50% upon any new election of the benefit or on/or after the fifth contract anniversary. If we increase your benefit charge on or after your fifth contract anniversary, you may terminate the benefit.

What are some of the other considerations that I need to think about when investing in various asset allocation portfolios offered by a variable annuity?

When purchasing an annuity it is important to remember that asset allocation does not ensure a profit or protect against a loss. 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. The value or price of a particular stock or other equity or equity-related security owned by a portfolio could go down and you could lose money. Additionally, fixed income investments are subject to risk, including credit and interest rate risk. Because of these risks, subaccount's share value may fluctuate. If interest rates rise, bond prices usually decline. If interest rates decline, bond prices usually increase.

Certain asset allocation portfolios may use leverage, short sales, and derivatives or engage in other speculative practices within their alternative investments. These practices include a high degree of risk and may increase the risk, size, and velocity of investment losses. Although certain alternative strategies seek to reduce risk by attempting to reduce correlation with equity and bond markets, no guarantee can be given that such efforts will be successful. The fees and expenses associated with alternative investments are generally higher than those for traditional investments. Lastly, diversification does not assure against loss in a declining market.


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-BLX/IND(2/10) and P-CR/IND(2/10), et al. or state variation thereof.

Issued on riders: P-RID-DBROLL(5/17).

For Compliance Use Only: 1004569-00002-00

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