Help bring more clients the confidence of Income CertaintySM in retirement.

No matter what stage of retirement planning your clients may be in, Prudential Annuities is committed to helping them meet the financial challenges of today and tomorrow.

We offer a range of products for growing future income and securing guaranteed income that no other annuity provider can match, from our unique Highest Daily® guarantees to our breakthrough Prudential Defined Income VA to our new, innovative Prudential Premier Investment VA.

Now even more of your clients can find the control and confidence they need to enjoy income certainty in retirement.

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(844) 207-6976

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Lock in income growth

Highest Daily Lifetime®
Income VA benefit

HD Lifetime® Income is designed for clients who want to go for income growth. With this optional benefit, growth-oriented clients can lock in new account highs daily and add compounded growth for 10 years or until their first lifetime withdrawal.

For clients who want to:

  • Capture upside opportunity in the stock market for future income
  • Protect retirement income from market downturns
  • Select from a wide range of investment choices

The currently available Highest Daily Lifetime Income benefit mentioned above is referred to as Highest Daily Lifetime Income v3.0 in the prospectus. HD Lifetime Income is available for an additional fee with variable annuities from Prudential companies. May not be available in all states.

Lock in income now

Prudential Defined
Income VA

A first-of-its-kind variable annuity, our Defined Income VA appeals to clients who seek a higher level of guaranteed minimum monthly retirement income than generally found in other VAs with living benefits. It offers an attractive alternative to funds currently in fixed income or cash.

For clients who want to:

  • Secure a higher guaranteed payout rate
  • Know at issue exactly what their monthly income will be for life
  • Defer income longer to receive even higher monthly payments

Prudential Premier®
Investment VA

Prudential offers new possibilities for a VA and new possibilities for your VA business with the Prudential Premier® Investment VA. Available to a broader range of clients, this new vehicle for tax-efficient investment growth opportunities offers more choice and flexibility with less hassle for you.

For clients who want to:

  • Make their money work harder with tax-efficient investments
  • Reduce or avoid inefficient tax-events with tax-free transfers
  • Access leading brand name and investment management firms through a variety of investment strageies

Prudential Annuities and its distributors and representatives do not provide tax, accounting, or legal advice. Please consult your own attorney or accountant.

Get the Highest Daily Sales Kit

Discover fresh approaches to start the conversation about income certainty in retirement with your clients.

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Get the Defined Income VA Sales Kit

Get our Destination: Retirement Income brochure and income calculator tool to help attract clients seeking the highest guaranteed payout rate.

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Get the Premier Investment VA Sales Kit

Help your clients understand the advantages of tax-efficient investing and learn how the Prudential Premier Investment can help grow their future retirement income.

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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. Your client places money in professionally managed investment portfolios, where it accumulates tax-deferred. When they retire, their savings can be used to generate a stream of regular income payments that are guaranteed for as long as they live. In addition, variable annuities  may provide a guaranteed death benefit for your beneficiaries. Any such death benefit, however, may be impacted by withdrawals or other actions they take in connection with the annuity. You can help your clients determine if a variable annuity is suitable for them.

What do the references to income certainty mean?

All references to income certainty and guarantees, including the benefit payment obligations arising under the annuity contract guarantees, rider guarantees, benefits, or annuity payout rates are backed by the claims-paying ability of the issuing insurance company. Those payments and the responsibility to make them are not the obligations of the third party broker/dealer from which this annuity is purchased or any of its affiliates. They are also not obligations of any affiliates of the issuing insurance company. All guarantees, including benefits, do not apply to the underlying investment options.

What are the limitations and restrictions I need to consider?

Annuity contracts contain exclusions, limitations, reductions of benefits, and terms for keeping them in force. The optional benefits have certain investment, holding period, liquidity, and withdrawal limitations and restrictions. Optional living and death benefits may not be available in every state and may not be elected in conjunction with certain optional benefits. Please see the prospectus.

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. Prudential Annuities is not providing investment advice. Selections are dependent on the risk tolerance and investment goals of the customer.

What are the withdrawal consequences?

Since the annuity is designed to provide a guaranteed income stream for retirement, there are limitations and restrictions when making withdrawals that are not intended for retirement income purposes. For the Highest Daily Lifetime Income benefit and the Prudential Defined Income VA, withdrawals in excess of the income amount impact the value of a product or benefit. An excess withdrawal occurs when your client’s cumulative Lifetime Withdrawals exceed the income amount in an annuity year. If an excess withdrawal is taken, only the portion of the Lifetime Withdrawal that exceeds the remaining income amount for that year will proportionally and permanently reduce future guaranteed amounts. If a withdrawal reduces the account value to zero, no further amount would be payable and the contract terminates.

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, other than from IRAs or employer retirement plans, are deemed to be gains out first for tax purposes. Withdrawals reduce the account value and the living and/or death benefits.

Understanding the costs associated with a variable annuity and the Highest Daily Lifetime Income benefit

Variable annuities offered by Prudential companies have an annual cost of 0.55% to 1.95% for mortality expense and administration fees, with an additional fee related to the professional investment options. The fees will vary depending on the underlying annuity and investment options selected. The optional benefit, HD Lifetime Income, has an additional annual fee of 1.00% based on the greater of two amounts, the Account Value or Protected Withdrawal Value, which can help avoid the risk of outliving retirement income. Account value is not guaranteed, is subject to market fluctuations, and may lose value. The Protected Withdrawal Value is separate from the account value, and not available as a lump sum withdrawal.

What happens to my Account Value during volatile market situations?

The Highest Daily Lifetime Income v3.0 suite of benefits uses a predetermined mathematical formula to mitigate some of the financial risks we incur in providing the guarantees under the optional benefits through all market cycles. Each business day, the formula determines if any portion of the account value in the permitted subaccounts (asset allocation portfolios), including any DCA (Dollar Cost Averaging) MVA (Market Value Adjustment) options needs to be automatically transferred into or out of the AST Investment Grade Bond Portfolio (the "Bond Portfolio"). Amounts transferred by the formula depend on a number of factors unique to your clients’ individual annuity and include:

  • The difference between the account value and the Protected Withdrawal Value;
  • How long your client has owned the benefit;
  • The amount invested in, and the performance of, the permitted subaccounts, the Bond Portfolio, and the Secure Value Account and;
  • The impact of additional purchase payments made to, and withdrawals taken from, the annuity.

The formula will not transfer amounts to or from the Secure Value Account. On any given day, no more than 30% of the account value in the Permitted Sub-accounts (plus any DCA MVA options) may be transferred to the Bond Portfolio pursuant to the formula. Therefore, at any given time, some, most or none of the account value from the permitted subaccounts may be allocated to the Bond Portfolio. Transfers to and from the Bond Portfolio do not impact any income guarantees that have already been locked in. Your clients may not allocate purchase payments or transfer account value into or out of the Bond Portfolio.

The formula could mean that your clients miss opportunities for investment gains in the Permitted Sub-accounts while amounts are allocated to the Bond Portfolio. The formula’s allocation of amounts to the Bond Portfolio however, could also protect your clients’ account value from losses that may occur in the permitted subaccounts. Please note: We are not providing investment advice through the formula. See the prospectus for complete details.

We will automatically allocate 10% of each purchase payment to the Secure Value Account (SVA). Your client cannot make transfers into or out of the SVA. The SVA will earn interest daily at a crediting rate declared annually.

All references to Account Value assume no investment in any available Market Value Adjustment Options.

Issued on Riders: P-RID-HD(2/14), P-RID-HD(2/14)NY, P-RID-HD-HDB(2/14), et al. or state variation thereof.

Understanding the costs associated with the Prudential Defined Income Variable Annuity (VA)

The annual fee for the Prudential Defined Income VA is 1.10%, plus an additional benefit fee of 0.80% for a total annual fee of 1.90%. We reserve the right to increase the benefit fee up to a maximum of 1.50% at any time on or after the 7th annuity anniversary on existing contracts. Please see the prospectus for additional information. This would increase the total annual product charge to a maximum of 2.60%. Note: There is also an additional fee for the AST Multi-Sector Fixed Income Portfolio.

What do I need to consider when investing in the Prudential Defined Income VA?

The annuity does not provide a diverse set of investment choices nor does it provide the option to allocate your purchase payments or account value among a variety of investment choices with different investment styles, objectives, strategies and risks. The performance of your account value will depend entirely on the performance of the AST Multi-Sector Fixed Income Portfolio.

Fixed income investments are subject to risk, including credit and interest rate risk. Because of these risks, a subaccount's share value may fluctuate. If interest rates rise, bond prices usually decline. If interest rates decline, bond prices usually increase.

Issued on Contracts: P-BBND(2/13), P-RID-LI-DB(5/14) et al. or state variation thereof.

What do I need to consider when investing in the Prudential Premier Investment VA?

If your clients purchase the Prudential Premier® Investment Variable Annuity within a tax-advantaged retirement plan, such as an IRA, SEP-IRA, Roth IRA, 401(a) plan, or non-ERISA 403(b) plan, they will get no additional tax advantage through the Annuity itself. Because there is no additional tax advantage when a variable annuity is purchased through one of these plans, the reasons for purchasing the Annuity inside a qualified plan are limited to the ability to elect the Return of Purchase Payments Death Benefit, the opportunity to annuitize the contract, and the various investment options, which might make the Annuity an appropriate investment for your client. Your clients should consult with their tax and financial advisors regarding such features and benefits prior to purchasing this Annuity for use with a tax-qualified plan.

Issued on Contracts: P-OB/IND(5/14), P-OC/IND(5/14) et al. or state variation thereof.

What are the costs associated with the Prudential Premier Investment Annuity?

The annual fee for the Prudential Premier Investment Variable Annuities is comprised of a .55% account value-based charge and a .55% premium-based charge for the B Series, and .68% account value- based charge and a .67% premium-based charge for the C Series with additional fees related to the professionally managed investment portfolios. The Return of Purchase Payments Death Benefit is available for an additional annual insurance cost comprised of a .18% account value-based charge and a .17% premium-based charge.

Account value-based charges are assessed daily based on an annualized rate charged against the assets allocated to the subaccounts. Premium-based charges are assessed quarterly against the Charge Basis (please see the section of the prospectus called “Fees, Charges and Deductions” for information on the Charge Basis) and are taken pro-rata from the subaccounts. See the prospectus for more information about how these charges are calculated. Note: All products may not be available through all third party broker/dealers.