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Early withdrawals may result in a loss in addition to applicable surrender charges. Annuities are one of the few strategies that can accomplish both secured growth and guaranteed income. Or download ourclient-approved brochure PDF opens in new window, product prospectus opens in new window and rate sheet PDF Opens in New Window to share with clients and help educate them about FlexGuard - NY. Conservative, risk averse, or uncomfortable with the idea of losing money, but still want the potential to grow it, Looking for a way to protect and potentially grow a portion of their income-producing assets earmarked for retirement, Frustrated with the minimal returns they are receiving in today's low interest rate environment, Service your existing Prudential Annuities clients, Minimum renewal Cap Rate during surrender charge period 1.00%, after surrender charge period 1.00%, Minimum renewal Participation Rate during surrender charge period 5.00%, after surrender charge period 5.00%, Minimum renewal Cap Rate during surrender charge period 2.00%, after surrender charge period 1.00%, Minimum renewal Participation Rate during surrender charge period 10.00%, after surrender charge period 5.00%, Minimum renewal Fixed Rate during surrender charge period 1.00%; after surrender charge period 0.05%, Withdrawals in excess of the free withdrawal amount, with the exception of Required Minimum Distributions, are subject to an MVA during the surrender charge period, This adjustment may either increase or decrease the amount withdrawn and is determined by a formula that is tied to the Bloomberg U.S. Intermediate Credit Index; MVA may not apply in all states, Free withdrawals in each contract year are not cumulative, Surrender charges and MVA will not apply to RMDs that Prudential calculates, Minimum renewal Cap Rate during surrender charge period 3.00%, after surrender charge period 1.00%, This adjustment may either increase or decrease the amount withdrawn and is determined by a formula that is tied to the BloombergU.S. Intermediate Credit Index; MVA may not apply in all states, Certain securities products and services are offered through Pruco Securities, LLC and Prudential Investment Management Services, LLC, both members. * FlexGuard index strategies help clients: FOR FINANCIAL PROFESSIONAL USE ONLY. Standard & Poor's, S&P and S&P 500 are registered trademarks of Standard & Poor's Financial Services LLC ("S&P"); Dow Jones is a registered trademark of Dow Jones Trademark Holdings LLC ("Dow Jones"); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Pruco Life Insurance Company of New Jersey. By using this website, you agree that you have read and agree to our, Investments, Life Insurance, Retirement, Planning, Life Insurance, Retirement, Investments-old, Partnering with Association and Affinity Groups, Important Information Disclosure Statement, Check the background of this firm on FINRA's BrokerCheck. FLIAC is in the process of changing its name from Prudential Annuities Life Assurance Corporation (PALAC) in certain jurisdictions. If the index increased by 3%, an amount that is less than the cap rate of 4%, the credited interest would be 3%. hb``f``b`e`~bl,+00e@L. content: ""; It is possible to lose money by investing in securities. This area is reserved for members of the news media. 2023 Prudential Financial, Inc. and its related entities, Prudential, the Prudential logo, the Rock symbol, Prudential LINK and LINK by Prudential are service marks of Prudential Financial and its related entities, registered in many jurisdictions worldwide. PDF Guaranteed Interest Account - Retirement.prudential.com This is an independent review for you to see the pros and cons of this particular annuity. The more loss protection or buffer you select, the less upside gain from the index you will receive. only and may not be approved in all states. Allianz Life Insurance Company Review - My Annuity Store, Inc. May 18, 2020 8:00AM EDT. Growth opportunities with added ability to lock in performance. Index Advantage Rates | Allianz Life Your licensed financial professional can provide you with complete details. ABOUT PRUDENTIAL INDIVIDUAL LIFE INSURANCE The Performance Lock Value, which is different than the Interim Value, is adjusted for any withdrawals or reallocations that occur prior to the Index Strategy End Date. A floor offers 100% downside protection in the event of a market loss. 0000010202 00000 n You will not receive a written financial plan or investment recommendations as part of the no cost consultation. By using this website, you agree that you have read and agree to our, Investments, Life Insurance, Retirement, Planning, Life Insurance, Retirement, Investments-old, Partnering with Association and Affinity Groups, Check the background of this firm on FINRA's BrokerCheck, Free Withdrawals in each contract year are not cumulative, Contingent Deferred Sales Charges will not apply to Required Minimum Distributions that Prudential calculates, Total Annualized Insurance Fees and Charges for Net Purchase Payments less than 1 Million: 1.30%, Total Annualized Insurance Fees and Charges for Net Purchase Payments of at least $1 Million: 1.20%, Subsequent Cap and Participation Rates may be higher or lower than the initial Rates, but will never be less than the Guaranteed Minimum Rates. Partial downside protection is provided through the bufferwhere index losses within the buffer are protected. Prudential FlexGuard indexed variable annuity, Securities products and services are offered through: Pruco Securities, LLC and Prudential Investment Management Services, LLC, both members, prudential.com/landing/indexed-variable-universal-life-insurance, Prudential FlexGuard reaches $10B total sales milestone at record pace, Prudential launches FlexGuard Income indexed variable annuity a new investment and income strategy with enhanced flexibility and control, Prudential Financial Launches Prudential Community Grants Program to Provide Micro-Grants to Local Individuals and Non-profit Organizations, Prudential, Vitality Global expand partnership in Latin America, Prudential Financial names its next Emerging Visionaries, Check the background of this firm on FINRA's BrokerCheck, Indexed variable universal life solution offers both protection and growth, Builds upon success of FlexGuard variable annuity products. If the client chooses to defer their Index Effective Date, the allocations for the Index Strategies will be placed in the Transfer Account and will automatically be transferred to the Index Strategies, if within the Transfer Account Period. The Disclosure Statement contains a more detailed description of the limited relationship MSCI has with Pruco Life Insurance Company and any related annuity contracts. PruSecure offers two different ways for your clients to potentially grow their money: an index-based strategy and a xed rate strategy. FlexGuard - NY is issued by Pruco Life Insurance Company. PruSecure was designed to meet the needs of clients who are: Initial: $10,000 Subsequent: Not Permitted, Minimum: None / Maximum: 85 Contracts may not be issued on or after the 86th birthday of the oldest of all owners and annuitants, No later than the first contract anniversary on or after the oldest owner's or annuitant's 95th birthday, Indexed-Based Strategy with Point-to-Point Crediting with Cap Rate and Point-to-Point Crediting with Participation Rate. Both are Prudential Financial companies located in Newark, NJ. Pruco Life Insurance Company's Product(s) is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, or their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the S&P 500 Index and Dow Jones U.S. Real Estate Index. The solution is customizable and can be adjusted based on changing needs, giving consumers the opportunity to take control over their future. bottom: -18px Not all term and buffer options are available for each index crediting strategy. Financial advisors through the Stages channel offer a no cost consultation and provide an overview of your financial life with proposed solutions for you to consider. It is designed to provide customers with partial downside protection and the opportunity to grow and accelerate the performance of their assets into the future. Assurance IQ, LLC a wholly-owned subsidiary of Prudential Financial, Inc. ("Prudential") matches buyers with products such as life and health insurance and auto insurance, enabling them to make purchases online or through an agent. Copyright 2019-2023 Annuity Look 1-800-325-1833, Annuity Company Issuer Review: Prudential Financial. Index Advantage Income | Allianz Life FlexGuard Income indexed variable annuity | Prudential Financial A surrender charge, or Contingent Deferred Sales Charge (CDSC), may apply in the event of an early withdrawal from the annuity. Comprehensive financial planning offered through the Stages channel is more limited in scope than comprehensive financial planning offered through the Prudential Advisors distribution channel. Annuity Rates | Prudential Financial Prudential Financial, Inc. of the United States is not affiliated in any manner with Prudential plc, an international group incorporated in the United Kingdom or the Prudential Assurance Company, a subsidiary of MG plc, a company incorporated in the United Kingdom. Unpaid loans and withdrawals reduce cash values and death benefits; may reduce the duration of the guarantee against lapse, which may lapse the policy; and may have tax consequences. Kristen Olsen 0000011656 00000 n Transfers from the Index Strategy(ies) to the Variable Subaccounts are not allowed at any time. } If the index increased by 20% which is greater than the cap rate of 4% the interest credited would be 4%. Created Exclusively for Use by Financial Professionals. FlexGuard, Prudential Financial's first indexed variable annuity product, achieved $1 billion in sales less than six months after launch, making it the fastest-selling product of its kind ever . Prudential Defined Income Variable Annuity Product Specifics: Minimum age for initial purchase: 45 Maximum age for initial purchase: 85 Minimum initial purchase payment: $25,000 Prudential stated fee: 1.9% True all in fee: 2.73-3.43% Website: www.annuities.prudential.com/investor Prudential Defined Income Variable Annuity Fees: Suggestions may appear below after you type 3 letters. Contact your wholesaler today and have our team of experts and resources work for you. Other proprietary Fortitude Re marks may be designated as such through the use of the SM or symbols. Gains or losses are assessed at the end of each term. Our new website has recently launched with features that may not be fully supported by your current browser. Bloomberg or Bloomberg's licensors, own all proprietary rights in the Bloomberg Indices. But why should they have to sacrifice one for the other? border-bottom: 10px solid #ccc; It is generally more profitable to Prudential if you purchase insurance products that are issued by a Prudential company than a non-Prudential company. The Segment Rate of Return for a Choice Segment may be less than the Segment Rate of Return for a Standard Segment based on the same index, Segment Buffer and Segment Duration. It affords them access to cash values when needed, providing the unique opportunity to leave a legacy while also expanding access to living benefits. Newsroom | Prudential By using this website, you agree that you have read and agree to our Terms and Conditions. Statement of Financial Condition for Prudential Investment Management Services, LLC. The Prudential FlexGuard indexed variable annuity to which this disclosure applies (the "Product") has been developed solely by . Fortitude Re has retained PICA as an unaffiliated Third-Party Administrator. Variable Annuities and Variable Life Insurance are distributed by Prudential Annuities Distributors, Inc. (PAD), Shelton, CT (main office). FLIAC is not licensed to do business in New York, effective December 31, 2015, which had no impact on existing annuity contracts sold through FLIAC. 0000024403 00000 n Not available in New York. It is a calculated value and is used when a withdrawal, death benefit payment, transfer, annuitization, or surrender occurs mid-term. Prudential FlexGuard income indexed variable annuity . FlexGuard indexed variable annuity | Prudential Financial 0000030460 00000 n display: block; 0000024473 00000 n Index-linked variable universal life products are complex insurance and investment vehicles and are long-term investments designed to provide death benefit protection with cash value accumulation potential.

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