Introducing ActiveIncome
How it works
See it in action
The power of Prudential
How it works
See it in action
The power of Prudential
Find out more about ActiveIncome:
ActiveIncome is designed to seamlessly integrate lifetime income into your retirement portfolio, offering flexibility and control through your retirement journey.
Work with your investment advisor to manage and adjust your growth and retirement income strategies all in one place.
Integrated strategies:
You and your investment advisor maintain full control of your assets, continuing to invest as you always have.
Investment flexibility:
When you’re ready to take income, you’ll receive an Annual Income Amount that will fluctuate based on your investment’s net performance. You and your spouse will have lifetime income, even if your Account Value reaches zero, at which point your income becomes fixed.*
The Annual Income Amount will increase or decrease based on the net performance of your underlying investment. When your Account Value reaches zero due to non-excess withdrawals, your Annual Income Amount will no longer vary. The Insured Income Payment equals the Annual Income Amount as of the date of the event, adjusted for any Additional Account Value Contributions and/or Excess Withdrawals that occurred in the Contract Year in which the event occurred.
Guaranteed Lifetime Income:
You work with your investment advisor to stay invested in the market and prepare for retirement. But what if you could continue investing while also designating a portion of your money to generate lifetime income? Now you can—with Prudential ActiveIncome which complements your existing investments by adding:
Retirement income.
Reinvented.
Registered annuities are long-term, complex investments designed for retirement purposes and may not be suitable for all investors. Investors should consider the features of the contract before investing. Please read the prospectus carefully before investing. This and other important information can be obtained from your financial professional. Prospective purchasers should also understand the underlying investments’ investment objectives, policies, management, risks, charges and expenses carefully before investing.
It is possible to lose money by investing in securities. Issuing company located in Newark, NJ (main office). Annuities are distributed by Prudential Annuities Distributors, Inc., Shelton, CT. All are Prudential Financial companies and each is solely responsible for its own financial condition and contractual obligations. This material is being provided for informational or educational purposes only and does not take into account the investment objectives or financial situation of any client or prospective clients. The information is not intended as investment advice and is not a recommendation about managing or investing your retirement savings. If you would like information about your particular investment needs, please contact a financial professional.
All annuity contract guarantees, including benefit payment obligations, are backed by the issuing company’s claims-paying ability. The third-party broker-dealer/agency, or any of its affiliates, selling this annuity are not responsible for making those payments, and none makes any representations or guarantees about the issuer’s ability to pay claims.
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.
The events that trigger Insured Income Payments from us may never occur. We set the Withdrawal Percentage and Deferral Credits for the Contract based on the average assumed lifetime of expected contract holders. You may only receive Insured Income Payments if you outlive this average future lifetime.
Not available through all registered investment advisors. If your investment advisor no longer services the product, you may be required to move your assets or lose the contract guarantees.
You should carefully consider your financial needs before investing in annuity products and benefits.
Refer to the Prospectus for any additional risks to consider.
You may only receive Insured Income Payments if you outlive your life expectancy.
© 2025 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.
Issued on Contract: P-CDA/IND(11/21) or state variation thereof
Issued on Rider: P-RID-CIF(11/21)B or state variation thereof
ISG_DG_ANN147_01
1086941-01
Protect Your Life's Work
Speak to your investment advisor to discover strategies that can help
make you feel more confident to live the retirement you’ve envisioned.
Introducing ActiveIncome
Withdrawals in excess of the Annual Income Amount reduce the income you receive in future years and can also affect the certainty of the income. An excess withdrawal occurs when all or any portion of a withdrawal exceeds the remaining Annual Income Amount for that Contract Year and any Unused Annual Income Amount. The excess portion of the withdrawal proportionally and permanently reduces future Annual Income Amounts. If an excess withdrawal reduces the account value to $0, no further income is payable and the contract terminates.
*The Insured Income Payment equals the Annual Income Amount as of the day the account value is depleted, adjusted for any Excess Withdrawals that occurred in the current Contract Year.
*The Income Base can be negatively impacted by withdrawals in excess of the Annual Income Amount.
Once your permitted withdrawals reduce your Account Value to $0, the Insured Income Stage begins. At this point, you and your spouse’s Annual Income Amount locks in and you’ll now receive a fixed, guaranteed payment equal to your last annual income payment for the rest of your life.*
The Insured Income Stage:
3
Once you start taking income, you continue to invest in the market and your Income Percentage locks in. This, along with your Income Base value, determines your Annual Income Amount.
Your Annual Income Amount will fluctuate based on the net performance of the underlying investments. Income Base is not affected by Income Withdrawals. Withdrawals in excess of the Annual Income Amount will negatively impact the future annual income.
The Income Stage:
2
During this initial stage, your Account Value will increase or decrease while you remain invested in your choice of underlying investment options.
You have the flexibility to start taking income immediately, but deferring income will increase your Income Percentage daily, giving you more income potential for the future.
The Pre–Income Stage:
1
ActiveIncome is designed to seamlessly integrate lifetime income into your planning, offering flexibility and control through its three stages of the retirement journey.
How ActiveIncome works:
Your retirement vision is unique, and achieving it requires a strategy that addresses key financial concerns.
Prudential ActiveIncomeSM Contingent Deferred Annuity helps you meet these challenges head-on by allowing your advisor to seamlessly complement your existing portfolio with lifetime income.
Now you can easily manage income directly alongside your portfolio.
LIFETIME INCOME
Contingent Deferred Annuity
ActiveIncome
This is a hypothetical example for illustrative purposes only. It does not reflect a specific annuity, an actual Account Value, or the net performance of any investment.
The Income Base is a notional value that is not available for withdrawals.
If an investor never takes the first income withdrawal or notifies the firm, the income stage will never occur.
Annual Income Amount
Account Value
Income Base
Growth
Years
Your Annual Income Amount locks in, and you’ll now receive a fixed, guaranteed payment equal to your last income payment for the rest of your life.*
Insured Income Stage
Insured Income Stage
Your Annual Income Amount is calculated using the Income Base—a value that is adjusted based on investment net performance, but remains unaffected by Income Withdrawals—along with the Income Percentage.
Income Stage
Income Stage
Your Account Value and Income Base are equal and they will increase or decrease based on the net performance of the underlying investments. Your Income Percentage will increase each day until you start taking income.
Pre–Income Stage
Pre–Income Stage
3
3
2
2
1
1
Click each number below, beginning with one, to learn more about each stage.
ActiveIncome is designed to seamlessly integrate lifetime income into your retirement portfolio, offering flexibility and control through its three stages of the retirement journey.
See ActiveIncome in action:
When you choose an insurance company for an annuity, you want to be sure that the issuing company is financially strong and will be able to fulfill its promises, even if those promises won’t come due until years later. Pruco Life Insurance Company is a member of the Prudential Financial family of companies and is the issuer of annuities. It is highly rated by the major independent rating agencies for its ability to meet financial obligations.
offering annuities
NEARLY A CENTURY
Doing business in
40 COUNTRIES
50 MILLION CUSTOMERS
annual lifetime income payments to customers including fixed, immediate annuity, and traditional variable annuity with guaranteed living benefit withdrawal payments.
15 BILLION*
helping our customers achieve financial security
150 YEARS
Prudential—a brand you know and trust.
*Customer, income payments, and relationship data for Prudential Financial as of the most recent quarterly or annual data available at the time of publishing and Prudential internal sources.
These ratings are provided for informational purposes only. Ratings are solely the opinions of the ratings agencies. Prudential Financial, Inc. does not endorse, and accepts no responsibility for, the ratings issued by the ratings agencies. Ratings may be changed, superseded, or withdrawn by the rating agencies at any time. We make every effort to update our literature as soon as possible after a ratings change. Please consult with a financial advisor or visit our investor relations site, www.investor.prudential.com, for the most current ratings information.
Contract and advisor fees reduce performance.
How your annual income is calculated:
x
=
Income base
Income Percentage
Annual Income Amount
Click to scroll down
During this initial stage, your Account Value will increase or decrease while you remain invested in your choice of underlying investment options.
You have the flexibility to start taking income immediately, but deferring income will increase your Income Percentage daily, giving you more income potential for the future.
Your Annual Income Amount will fluctuate based on the net performance of the underlying investments. Income Base is not affected by Income Withdrawals. Withdrawals in excess of the Annual Income Amount will negatively impact the future annual income.
INVESTMENT AND INSURANCE PRODUCTS ARE:
NOT FDIC INSURED
NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
NOT A DEPOSIT OR OTHER OBLIGATION OF, OR GUARANTEED BY, ANY BANK OR ITS AFFILIATES
SUBJECT TO INVESTMENT RISK, INCLUDING POSSIBLE LOSS OF THE PRINCIPAL AMOUNT INVESTED
SM
Pruco Life Insurance Company Ratings
A.M. Best Company
Fitch Ratings
Standard & Poor's
Moody's Investors Service
A+
(2nd category of 13)
Superior ability to meet ongoing obligations to policyholders
AA-
(4th category of 21)
Very strong capacity to meet policyholder and contract obligations
AA-
(4th category of 22)
Very strong financial security characteristics
Aa3
(4th category of 21) High quality and very low credit risk
As of July 31, 2025
*Customer, income payments and relationship data for Prudential Financial as-of the most recent quarterly or annal data available at the time of publishing and Prudential internal sources.
These ratings are provided for informational purposes only. Ratings are solely the opinions of the ratings agencies. Prudential Financial, Inc. does not endorse, and accepts no responsibility for, the ratings issued by the ratings agencies. Ratings may be changed, superseded or withdrawn by the rating agencies at any time. We make every effort to update our literature as soon as possible after a ratings change. Please consult with an Financial Advisor or visit our investor relations site, www.investor.prudential.com, for the most current ratings information.
As of February 4, 2025
(4th category of 22)
Very strong financial security characteristics
(4th category of 21)
Very strong capacity to meet policyholder & contract obligations
(4th category of 21)
High quality and very low credit risk
(2nd category of 13) Superior ability to meet ongoing insurance obligations
A.M Best: A+
Pruco Life Insurance Company Ratings
Your Annual Income Amount is calculated using the Income Base—a value that is adjusted based on investment net performance, but remains unaffected by Income Withdrawals—along with the Income Percentage.
Your Account Value decreases with Income Withdrawals and market conditions.
DESIGNED FOR
MANAGED ACCOUNTS
Your Annual Income Amount is calculated using the Income Base—a value that is adjusted based on investment net performance, but remains unaffected by Income Withdrawals—along with the Income Percentage.
A.M. Best Company
Fitch Ratings
Standard & Poor's
A.M. Best Company
A+
AA-
AA-
Issued by Pruco Life Insurance Company.
1086941-00001-00 Ed. 09/2025
Income percentage multiplied by income base equals annual income amount.
Disclosures
*Guaranteed income begins when your Account Value reaches zero due to Income Withdrawals. Contract will be negatively impacted by Excess Withdrawals.
*The Insured Income Payment equals the Annual Income Amount as of the day the account value is depleted, adjusted for any Excess Withdrawals that occurred in the current Contract Year.
If an investor never takes the first income withdrawal or notifies the firm, the income stage will never occur.
Your Account Value and Income Base are equal and they will increase or decrease based on the net performance of the underlying investments. Your Income Percentage will increase each day until you start taking income.