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Overview Discover what FlexGuard Income can offer clients
Rates and Product Details Rates, specifications, state availability, and marketing materials
New Business Requirements NAIC required business training
Upcoming National Events View events and register today
Investors should consider the features of the contract, index strategies, 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 by contacting the National Sales Desk. Clients should read the prospectus carefully before investing. 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 clients or prospective clients. The information is not intended as investment advice and is not a recommendation about managing or investing a client’s retirement savings. Clients seeking information regarding their particular investment needs should contact a financial professional. Annuities are issued by Pruco Life Insurance Company located in Newark, NJ (main office). Variable 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.] Prudential Annuities is a business of Prudential Financial, Inc. FlexGuard Income and all product features are not approved for use in all states or through all broker-dealers. For Financial Professional Use Only. Not For Use With the Public. 1048055-00002-00 Ed. 9/2021 ISG_DG_ANN28_01
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Before clients start taking income (at least 3 index years):
After clients start taking income:
Refer to the prospectus and fact card for more information
For more information on the Prudential FlexGuard Income indexed variable annuity, contact our National Sales Team at 800-513-0805
Indexed-linked variable annuity products are complex insurance and investment vehicles. There is risk of loss of principal if negative index returns exceed the selected protection level. Gains or losses are assessed at the end of each term. Early withdrawals may result in a loss in addition to applicable surrender charges. Please reference the prospectus for information about the levels of protection available and other important product information. 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. 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. Withdrawals taken during the surrender charge period, excluding any Required Minimum Distributions (RMDs) calculated by Prudential, will be subject to any applicable surrender charges. All guarantees including the benefit payment obligations arising under the annuity contract guarantees, any index strategy crediting, or annuity payout rates are backed by the claims-paying ability of the issuing company, and do not apply to the underlying variable investment options. 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. For Financial Professional Use Only. Not For Use With the Public.
Increases to Income Percentage each year, even if assets fluctuate. Growth potential through index crediting strategies that link performance to selected market indices. Levels of protection through buffers that may help limit losses. Flexibility to make changes at the end of the index term and to change between Single and Joint coverage at any time before income begins.
Clients have choices for customizing their protection and growth potential strategy through mixing and matching allocations to buffer options (10%, 15%, and 100%) and market indices with the flexibility to make changes each year. Performance-based increasing income potential – income amount is recalculated each year and can increase or decrease (only if the negative index return is greater than the selected buffer) based on index credits. Protection from outliving assets – receive the last calculated income amount for life if the account value reaches zero.
Upcoming National Events
New Business Requirements
Rates and Product Details
Overview
®
For Financial Professional Use Only. Not For Use With the Public.
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Client Brochure Use this with clients as you explain the product.
Fact Card View product features and specifications.
State Availability See the states that have approved FlexGuard Income
Rate Lock Procedures Learn about our rate lock procedures
Income Percentage and Deferral Rate Table See the Income Percentages and Deferral Rates.
Index Strategy Rates Check the current rates for the Index Strategies.
If you have questions about using RegEd to fulfill the Prudential Annuities product-specific training, please contact our Annuities Service Center at 800-513-0805 and press 2. Representatives are available to assist you Monday through Thursday between 8 a.m. and 7 p.m., and Friday between 8 a.m. and 6 p.m. ET. For Financial Professional Use Only. Not For Use With the Public.
NAIC product training and Continuing Education is required before soliciting and selling this new product in NAIC states where the product is available. Product training is now available on RegEd. For Continuing Education requirements, please refer to the applicable contract issue state insurance website for a list of approved training providers and courses.
RegEd Website Access
• Click the Register Online link on the right side of the home page and follow the instructions on the screen to create a profile.
• Log in to RegEd with your login email address and password at the top right-hand corner of the page.
Product training is now available on PALMS. For Continuing Education requirements, please refer to the applicable contract issue state insurance website for a list of approved training providers and courses.
IMPORTANT: In order to satisfy your product training, you must read through the disclosures and Attest. This is a necessary step in all states to satisfy your carrier-specific product training for Prudential Annuities.
• Proceed to the “Getting Started” instruction section below.
• After registering, select the state in which you are selling or plan to sell annuity products. Supply the required information and Save.
• You will be brought to the Producer Status screen. Scroll down to the Carrier-Specific Product Training section. • The training for Prudential FlexGuard Income indexed variable annuity product should be displayed. Select that training and click Go to Requirements. -If the training is not displayed, click on Enter Product Code on the left-hand side of the screen. Input ·FlexIncome and hit Submit. • Review the Prudential Training Standard page and click Proceed at the bottom of the screen. • The Training Presentation will begin. • After completing the training, read through the disclosures and select Attest. • Complete the Attestation by clicking I Agree and then hit Continue. • After the course evaluation (not required), your Certificate of Completion will be displayed. • Print the Certificate and keep it with your files. RegEd will notify Prudential electronically once you have completed the training.
Game Changer Event Series Strategies for Investing in a Changing Tax Environment Date: Thursday, November 18, 2021 Time: 4:00 PM ET Featured Speaker: Brandon Buckingham, J.D., LL.M VP, National Manager Advanced Planning Group, Prudential Financial
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Pruco Life Insurance Company and Pruco Life Insurance Company of New Jersey (in New York) are members of the Prudential Financial family of companies and are the issuers of variable annuities. Each is solely responsible for its own financial obligations. All are highly rated by the major independent rating agencies for their ability to meet financial obligations. Pruco Life Insurance Company of New Jersey is not rated by Moody’s. All ratings are as of August 3, 2021. Ratings are intended to reflect the financial strength or claims-paying ability of the issuer and are not intended to reflect the investment performance or financial strength of the variable accounts, which are subject to market risk. The above ratings are subject to change and do not reflect any subsequent rating agency actions. We make every effort to update our literature as soon as possible after a ratings change. Please visit our investor relations site, www.investor.prudential.com, for the most current ratings information.
Annuities are issued by Prudential Annuities Life Assurance Corporation and distributed by Prudential Annuities Distributors, Inc., both located in Shelton, CT (main office). Prudential Annuities is a business of Prudential Financial, Inc. 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 clients or prospective clients. The information is not intended as investment advice and is not a recommendation about managing or investing a client’s retirement savings. Clients seeking information regarding their particular investment needs should contact a financial professional. Indexed-linked variable annuity products are complex insurance and investment vehicles. There is risk of loss of principal if negative index returns exceed the selected protection level. Gains or losses are assessed at the end of each term. Early withdrawals may result in a loss in addition to applicable surrender charges. Please reference the prospectus for information about the levels of protection available and other important product information. FlexGuard Income and all product features may not be approved for use in all states or through all broker-dealers.
Very strong finacial security characteristics (4th category of 23)
AA-
Very strong capacity to meet policyholder and contract obligations (4th category of 21)
High quality and very low credit risk (4th category of 21)
Aa3
Superior ability to meet ongoing insurance obligations (2nd category of 13)
A+
• Prudential Annuities is a business of Prudential Financial, Inc. and an innovative leader in the financial services industry • We are composed of several insurance companies, some of which are authorized to issue annuity contracts in the United States, including Pruco Life Insurance Company • We built our reputation by being steadfastly committed to: insight that drives innovation; a comprehensive approach to risk management; and sustaining financial strength
Prudential Annuities – committed to meeting America’s financial challenges
• One of the most recognized and respected names in the financial services industry • Meeting financial challenges for over 145 years • Maintaining strength by spreading risk across a diversified mix of businesses
A legacy of stability and leadership