NEW INNOVATIONS DESIGNED FOR MANAGED ACCOUNTS
Americans are living longer, but their retirement accounts remain largely unprotected from outliving income.
Prudential is committed to changing this by empowering wealth managers with education on innovative tools and strategies designed to help them protect the life's work of more Americans.
Contact our team
Discover the power of insurance overlays
The Insurance Overlay Marketplace, powered by FIDx, provides financial advisors with a new wave of protected income and growth strategies that can be easily—and seamlessly—integrated into managed investment accounts.
Watch our video to learn more about this game-changing new platform.
Transcript
Expanding Retirement Security
Why it matters:
More are entering retirement
11,200 Americans turn
65 every day, and this trend
will continue through 2027.1
We're living longer
The average 65-year-old is expected to live to age 90, while today’s 17-year-old has a
50% chance of living to 104.2
Most assets are unprotected
Of the $36T in retail retirement assets in the US today, just 2% are protected to ensure income lasts a lifetime.3
Bringing protection and income strategies
to managed accounts
Managed accounts are projected to exceed $15.6T by 2026, with the vast majority of Americans relying on their investments for retirement—without any protection. Insurance overlays enable advisors to seamlessly add protected growth and income strategies to a client’s existing managed account without the need to move assets.
Discover the power of insurance overlays
Income protection that meets you where you are
Find out what Prudential’s David Blanchett, PhD, CFA, CFP® has to
say about this powerful strategy in his recent thought leadership piece,
Solving the Decumulation Dilemma.
Read now
How it works:
Assets stay put
Clients can easily add protected income directly to their managed account without shifting assets to an insurance company.
Account stays streamlined
Advisors can seamlessly manage
client investments and protection
in the existing managed account.
Advisors stay in control
Advisors maintain full control of the client’s portfolio, continuing to manage growth protection and income.
Are you ready for the next generation of retirement planning?
Contact our team
A legacy built on trust and reliability
WE'VE BEEN PROTECTING LIVES FOR NEARLY THE LAST 150 YEARS.
Today, over 2.5M customers rely on Prudential for $15B+ annually in lifetime income payments.
We deliver on time.
Accessibility
1 The data used for this calculation are from the Social Security Administration. https://www.ssa.gov/OACT/HistEst/Population/2023/Population2023.html & https://www.ssa.gov/OACT/HistEst/Population/2023/SSPopDec_TR2023.xlsx3. 2 Human Mortality Database, University of California, Berkley (USA) and Max Planck Institute for Demographic Research (Germany). Available at www.mortality.org 3 ICI Quarterly Retirement Market Data, Fourth Quarter 2023. 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 by contacting the National Sales Desk. Clients should read the prospectus carefully before investing. It is possible to lose money by investing in securities. 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 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.
© 2024 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.
FOR BROKER-DEALER USE ONLY. NOT FOR USE WITH THE PUBLIC.
ISG_DG_ANN148_01
1083155-00001-00 Ed. 10/2024
Contact our team:
Dan Gutman
daniel.gutman@prudential.com
Ann Nanda
ann.nanda@prudential.com
Lauren Palumbo
lauren.palumbo@prudential.com
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Transcript
[ ]
Discover the power of insurance overlays
Bringing protection and income strategies to managed accounts
Managed accounts are projected to exceed $15.6T by 2026, with the vast majority of Americans relying on their investments for retirement—without any protection. Insurance overlays enable advisors to seamlessly add protected growth and income strategies to a client’s existing managed account without the need to move assets.
read more
FEB 19, 2025
Could an 'insurance overlay' help managed accounts in retirement?
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. Clients should read the prospectus carefully before investing. This and other important information can be obtained online at [www.prudential.com/personal/annuities/annuity-prospectuses] or by contacting FIDx Markets at 267-900-8320 or info@fidxmarkets.io. Prospective purchasers should also understand the underlying investments' investment objectives, policies, management, risks, charges, and expenses carefully before investing. This and other important information can be obtained by contacting your investment advisor.
It is possible to lose money by investing in securities. Registered annuities are issued by Pruco Life Insurance Company located in Newark, NJ (main office) and distributed by Prudential Annuities Distributors, Inc., Shelton, CT.
All references to guarantees are backed solely by the claims-paying ability of the issuing insurance company. 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.
We do not provide tax, accounting, or legal advice. Clients should consult their own independent advisors as to any tax, accounting, or legal statements made herein.
© 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.
FOR FINANCIAL PROFESSIONAL USE ONLY. NOT FOR USE WITH THE PUBLIC.
ISG_DG_ANN154_01
1085313-00002-00 Ed. 08/2025
3 ICI Quarterly Retirement Market Data, 4Q 2023.
2 Human Mortality Database, University of California, Berkley (USA) and Max Planck Institute for Demographic Research (Germany). Available at www.mortality.org.
1 The data used for this calculation are from the Social Security Administration. https://www.ssa.gov/OACT/HistEst/Population/2023/Population2023.html & https://www.ssa.gov/OACT/HistEst/Population/2023/SSPopDec_TR2023.xlsx3.
Disclosures
Accessibility
* Customer, income payments, and relationship data as-of the most recent quarterly or annual data available at time of publishing and Prudential internal sources.
note
see note
Schedule a 1 x 1
Today, over 2.5M customers rely on Prudential for $15B+ annually in lifetime income payments.*
The Prudential Financial family of companies has been helping people protect their LIFE'S WORK FOR THE PAST 150 YEARS
A legacy built on trust and reliability
Are you ready for the next generation of retirement planning?
Download the brochure
Learn more about how ActiveIncome can make it easier for you to do what you do best—help clients protect their life's work.
Provide clients with a longevity protected systematic withdrawal right from their managed account.
Provide effortless lifetime income
Preserve the tax status of the client's portfolio and create synergies with tax-loss harvesting strategies.
Deliver tax-efficient income
Maintain AUM, investment flexibility, and liquidity while delivering lifetime income.
You stay in control
How it works:
AUG 21, 2024
Solving the Decumulation Dilemma
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NOV 20, 2024
Here's why insurance overlays will be the next big thing
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JAN 14, 2025
Prudential, Dimensional Fund Advisors and FIDx collaborate to help reinvent retirement income in wealth management
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JAN 22, 2025
Prudential’s Managed Account Annuities Could Be Game-Changer for Advisors
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JAN 15, 2025
Prudential Announces Product Partnership With Dimensional Fund Advisers, FIDx
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Prudential, Dimensional Fund Advisors and FIDx Collaborate to Help Reinvent Retirement Income in Wealth Management
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JAN 14, 2025
Prudential Joins Effort to Sell New Way to Tap Retirement Assets
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JAN 14, 2025
New Prudential, Dimensional Funds partnership brings retirement income to managed accounts
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FEB 19, 2025
Could an 'insurance overlay' help managed accounts in retirement?
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JULY 7, 2025
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Prudential's ActiveIncome Rewrites Retirement Playbook as Insurance Overlays Gain Momentum
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JULY 7, 2025
Prudential Financial Inc. Launches Innovative ActiveIncome
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JULY 7, 2025
Prudential Teams with Dimensional on New Category of Lifetime Income
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JULY 7, 2025
Prudential Financial Unveils ActiveIncome Solution Enhance Retirement Income Options
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JULY 17, 2025
New Prudential Product Wraps Annuity Around Managed Portfolios
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JULY 18, 2025
Prudential Debuts Lifetime Income Overlay for Managed Accounts Amid Surging Flows
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SEPTEMBER 22, 2025
Prudential and LPL expand partnership with retirement income tie-up
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In the news:
Read now
Find out what Prudential’s David Blanchett, PhD, CFA, CFP® has to say about this powerful strategy in his recent thought leadership piece, Solving the Decumulation Dilemma.
Income protection that meets you where you are
Of the $36T in retail retirement assets in the U.S. today, just 2% are protected to ensure income lasts a lifetime.3
Most assets are unprotected
The average 65-year-old is expected to live to age 90, while today’s 17-year-old has a
50% chance of living to 104.2
We're living longer
11,200 Americans turn
65 every day, and this trend
will continue through 2027.1
More are entering retirement
Why it matters:
Expanding Retirement Security
Watch Dan Gutman, Vice President of Future Growth, talk with InvestmentNews about this game changing new platform.
The Insurance Overlay Marketplace, powered by FIDx, provides financial advisors with a new wave of lifetime income and growth strategies that can be easily—and seamlessly— managed alongside investment accounts.
Discover the power of insurance overlays
Click to scroll down
That's why Prudential is focused on providing advisors with newer, more seamless ways to add lifetime income to their clients' managed accounts. So it’s easier than ever for advisors to do what they do best—help clients protect their life’s work.
Americans are living longer, but their retirement accounts remain largely unprotected from outliving income.
ADD RETIREMENT INCOME WITHOUT SACRIFICING CONTROL.
Contact our team:
Dan Gutman
daniel.gutman@prudential.com
Ann Nanda
ann.nanda@prudential.com
Lauren Palumbo
lauren.palumbo@prudential.com
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Forward-looking insights on Prudential ActiveIncomeSM Contingent Deffered Annuity and the insurance overlay marketplace.
Thought Leadership
Read now
Discover how insurance overlays can unlock higher income potential and greater client confidence in retirement.
by David Blanchett, PhD, CFA, CFP®
Head of Retirement Research for PGIM DC Solutions
Overrule the "4% rule" in managed accounts
Next: Overrule the "4% rule" in managed accounts
Read now
Find out what Prudential’s David Blanchett has to say about this powerful strategy in his recent thought leadership piece.
by David Blanchett, PhD, CFA, CFP®
Head of Retirement Research for PGIM DC Solutions
Solving the Decumulation Dilemma
Read now
Find out what Prudential’s David Blanchett has to say about this powerful strategy in his recent thought leadership piece.
by David Blanchett, PhD, CFA, CFP®
Head of Retirement Research for PGIM DC Solutions
Solving the Decumulation Dilemma
Next: Solving the Decumulation Dilemma
Read now
New research from Dimensional Fund Advisors explores how advisors can enhance retirement planning through innovative insurance overlays.
by Mathieu Pellerin, PhD
Retirement Research Director and Vice President
Insurance Overlays and Retirement Spending: The Case of Protected Lifetime Income
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New research from Dimensional Fund Advisors explores how advisors can enhance retirement planning through innovative insurance overlays.
by Mathieu Pellerin, PhD
Retirement Research Director and Vice President
Insurance Overlays and Retirement Spending: The Case of Protected Lifetime Income
Next: Insurance Overlays and Retirement Spending
Read now
Discover how insurance overlays can unlock higher income potential and greater client confidence in retirement.
by David Blanchett, PhD, CFA, CFP®
Head of Retirement Research for PGIM DC Solutions
Overrule the "4% rule" in managed accounts
[ ]