A variable annuity with an innovative lifetime income benefit

As an AICPA member, you and your spouse can now take advantage of an investment vehicle that can help maximize your retirement income—regardless of how the market performs.

Discover how to turn your retirement savings into income that can last a lifetime!

To learn more, contact a Prudential representative at 844-778-2427 9 AM to 6PM ET or visit cpai.com/annuity

Uncertain times call for a more certain approach to retirement income

Your retirement could last up to 30 years or more. That means you need to plan for retirement income that you cannot outlive. And, while you’ve probably spent a lifetime building your retirement savings, you may want to re-evaluate your strategy to help ensure these vital assets will generate the income needed to enjoy a very long, rewarding retirement.

You’ve seen that stocks have performed well over the long term, but you’ve also seen the impact to your retirement savings during market downturns. Today, variable annuities may be used to help address the financial challenges of retirement by creating guaranteed retirement income that can last a lifetime.


What is a variable annuity?

A variable annuity is a long-term investment that can be used to create lifetime income in retirement. Your investment in the annuity is allocated to professionally managed investment portfolios where it can accumulate tax-deferred until distributions begin. You can use the accumulated value to generate a stream of regular income payments that are guaranteed for as long as you live. Like all investments, variable annuities involve investment risk, including risk of loss of principal.

As an AICPA member, you and your spouse can now take advantage of a variable annuity, with an optional benefit* that can help maximize your retirement income—regardless of how the market performs. This innovative variable annuity, offered through Prudential, helps address the concerns related to market uncertainty, and outliving your retirement assets. It also:

  • Helps secure lifetime income in retirement for both you and your spouse
  • Protects your retirement income during market downturns
  • Offers the opportunity for guaranteed income growth for the first 10 years or until lifetime income begins
  • Provides the advantage of tax deferral for non-qualified assets
  • Gives you the flexibility to access your account value if needed (subject to contract terms. Withdrawals may also have tax consequences and negatively affect the optional benefit).
Your future retirement income chart

This is a hypothetical example for illustrative purposes only. It does not reflect a specific annuity, an actual account value or the performance of any investment.

There are many factors to consider when deciding which product is right for you, including your age, the amount you want to invest, the duration you intend to hold the annuity, your ability to access your annuity and the range of investment options offered. Explore how a variable annuity with an innovative lifetime income benefit can help.


To learn more, contact a Prudential representative at 844-778-2427 

or visit cpai.com/annuity

*The optional benefit is available for an additional fee.

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 from your financial professional. Please read the prospectus carefully before investing.

Variable annuities are issued by Pruco Life Insurance Company (in New York, by Pruco Life Insurance Company of New Jersey), Newark, NJ (main office) and distributed by Prudential Annuities Distributors, Inc., Shelton, CT. Issuers and distributor 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.

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. Clients seeking information regarding their particular investment needs should contact a financial professional.

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.

Guarantees are backed by the claims-paying ability of the issuing company.

Withdrawals and distributions of taxable amounts are subject to ordinary income tax and, if made prior to age 59, may be subject to an additional 10% federal income tax penalty, sometimes referred to as an additional income tax. Withdrawals reduce the account value, death benefit, and the annual amount of living benefit available.

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.

The Prudential Premier Retirement Variable Annuity offered by Prudential Financial companies is available at a total annual insurance cost of 0.85%, with an additional fee related to the professionally managed investment options.

Optional benefits may not be available in every state and may not be elected in conjunction with certain optional benefits. Optional benefits have certain investment, holding period, liquidity, and withdrawal limitations and restrictions. The benefit fees are in addition to fees and charges associated with the basic annuity. Please see the prospectus for more information.

Withdrawals in excess of the income amount impact the value of a product or benefit and can also affect the certainty of the income. An excess withdrawal occurs when 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 an excess withdrawal reduces the account value to zero, no further amount would be payable, and the contract terminates.

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

©2019. Prudential Financial, Inc. and its related entities. Prudential Annuities and Prudential are service marks of Prudential Financial, Inc. and its related entities, registered in many jurisdictions worldwide.

Issued on contracts: P-O/IND(5/11), et al. or state variation thereof.

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

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