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The S&P 500 Index is a product of S&P Dow Jones Indices LLC ("SPDJI"), and has been licensed for use by Pruco Life Insurance Company of New Jersey. Portfolio Allocation The pie chart illustrates how investment . It is not possible to invest directly in an index. 0000061397 00000 n S&P 500 Index is a market capitalization-weighted index of the 500 widely held stocks often used as a proxy for the stock market. This link has sublinks - To access press Enter. This link has sublinks - To access press Enter. padding: 0; Both are Prudential Financial companies located in Newark, NJ. Bloomberg or Bloomberg's licensors, own all proprietary rights in the Bloomberg Indices. Actual cap rates and participation ratesmay be higher or lower. Compliance NumberTemplate: 1000797-00012-00. The cap rate is the maximum amount of interest that can be credited during a specific index term. Group Insurance coverages are issued by The Prudential Insurance Company of America, a Prudential Financial company, Newark, NJ. 0000005769 00000 n only and may not be approved in all states. margin: 20px 0; Prudential Financial, Inc. ( NYSE: PRU ), a global financial services leader and premier active global investment manager with more than $1.4 trillion in assets under management as of June 30,. Neither Prudential Financial, Inc. nor Assurance IQ issues, underwrites, or administers health plans or health insurance policies. Alternatively, clients may allocate 100% of their initial Purchase Payment to the Variable Subaccounts. On an Index Strategy Start Date, the Index Strategy Base applicable to that Index Strategy would be used instead of the Interim Value. Our new website has recently launched with features that may not be fully supported by your current browser. 0000005920 00000 n Comprehensive financial planning offered through the Stages channel is more limited in scope than comprehensive financial planning offered through the Prudential Advisors distribution channel. 1-Year Term 3-Year Term 1-Year Term (Step Rate) 1-Year Term (Fixed Account) Get started today. These advisors currently offer only insurance products issued by PICA and its affiliates (Prudential companies). The client'smoney is not actually invested in any index, but may earn interest credits based on the indexs performance. The floor is always 0%. Variable investment options are offered with this product; however, are not included for illustration purposes and do not offer downside protection. Partial downside protection is provided through the bufferwhere index losses within the buffer are protected. The contract, announced this week, has been issued as a B-share variable annuity (with a six-year surrender period with a 7% withdrawal penalty in the . Rates are subject to change at any time. 1 If the Index Return is between zero and the declared Tier Level, then the Index Credit is equal to the IndexReturn multiplied by the Participation Rate for the 1st tier. Bloomberg does not guarantee the timeliness, accurateness or completeness of any data or information relating to the Bloomberg U.S. Intermediate Credit Index, and shall not be liable in any way to or Pruco Life Insurance Company investors in or owners of PruSecure or other third parties in respect of the use or accuracy of the Bloomberg U.S. Intermediate Credit Index or any data included therein. 0000017237 00000 n The solution is customizable and can be adjusted based on changing needs, giving consumers the opportunity to take control over their future. These advisors currently offer only insurance products issued by PICA and its affiliates (Prudential companies). Launched in May 2020, it features index strategies with buffers that can help limit market losses while providing investors the opportunity for asset growth. } CDs are FDIC-insured up to $250,000 per fi nancial institution, and there may be a penalty for early withdrawal. Available Buffers, which may vary by Index Strategy, are 10%, 15%, and 20%. Fortitude Re and the Fortitude Re logo are service marks of Fortitude Group Holdings, LLC and its affiliates. Each subsidiary is responsible for its own financial condition and contractual obligations. Fee-Only planners have access to Advisory or I- share fee advised structured annuities, They usually have zero surrender charges, instant liquidity, and higher index rates. These planners charge annual fees to manage the indexes around 1.00% per year of assets in the annuity. Still, a better option as these fee-only RILA annuities have higher upside cap rates than the commissionable traditional RILA/ buffer annuities. Check out, for available fee-only buffer annuities. References to FLIAC shall be deemed to be references to PALAC in the jurisdictions where the name change is not yet effective. The Prudential Insurance Company of America - California COA # 1179. This web page 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. Clients seeking information regarding their particular investment needs should contact a financial professional. Fee-Only planners have access to Advisory or I- share fee advised structured annuities, They usually have zero surrender charges, instant liquidity, and higher index rates. These planners charge annual fees to manage the indexes around 1.00% per year of assets in the annuity. Still, a better option as these fee-only RILA annuities have higher upside cap rates than the commissionable traditional RILA/ buffer annuities. Check out BufferQuote.comfor available fee-only buffer annuities, FlexGuard is a customizable indexed variable annuity that allows you to make choices. Deduction of the annual product fee of 1.25%, withdrawal charge, $50 contract maintenance charge (on contracts with less than $100,000 contract value), 0.70% Income Benefit rider fee, and, if . Use up and down arrow keys to navigate. As of September 2021, the FlexGuard Challenge has received 3,274 unique visitors and 19,116 total page views and has resulted in over 9,350 unique leads. Prudential FlexGuard Income indexed variable annuity: current rates Effective Date: 12/15/2022 This new business rate sheet provides the Cap Rates, Step Rates, Participation Rates and Tier Levels as set by Prudential effective as of the date above. 0000046767 00000 n An investment in the PSF PGIM Government Money Market Portfolio is neither insured nor guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Levels of downside protection are available on index-crediting strategies only. FlexGuard - NY is issued byPruco Life Insurance Company. Typically, the longer the surrender charge period, the higher the fixed rates and index-based cap rates and participation rates. How does the issuer pay for all this? This website is for U.S. persons only and may not be approved in all states. The product builds upon the record success of FlexGuard, the fastest-selling indexed variable annuity launch ever in the industry, achieving more than $3.5 . Certified Financial Planner will be happy to answer any question, Protect Select a level of protection that will limit losses, Grow- Participate in the limit upside of market indexes. MFS Value Series Service Class MFS International Growth Portfolio Service Class MFS Total Return Series Service Class MFS Total Return Bond Series Service Class PSF PGIM Government Money Market Portfolio Class III default Holding Account. .RIANavBar { Prudential Financial, Inc. %PDF-1.7 % This page specifically focuses on Prudential products. Prudential LINK and LINK by Prudential occasionally may be referred to as LINK. FlexGuard Income is initially available through Prudential Advisors financial professionals and will expand to additional, third-party broker dealers in fall 2021. If a Performance Lock is executed when thePerformance Lock Value has declined, clientswill lock in any loss. You will not receive a written financial plan or investment recommendations as part of the no cost consultation. Prudentials diverse and talented employees help make lives better by creating financial opportunity for more people by expanding access to investing, insurance, and retirement security. S&P 500, MSCI EAFE, iSHARES RUSSELL 2000 ETF, and INVESCO QQQ ETF. Bloomberg Commodity IndexSM: "Bloomberg" and "Bloomberg Commodity IndexSM" are service marks of Bloomberg Finance L.P. and its affiliates (collectively, "Bloomberg") and have been licensed for use for certain purposes by Pruco Life Insurance Company. Gains or losses are assessed at the end of each index. Please refer to the current rate sheet. These advisors currently offer only insurance products issued by PICA and its affiliates (Prudential companies). 0000008735 00000 n list-style-type: none; Available through certain broker/dealers and offers select index-based strategies and terms. +1 201-835-4872 The Performance Value will not fluctuate for the remainder of the existing index strategy term unless there is a withdrawal or reallocation. The client will choose on the application if they wish to (1) allocate to the Index Strategies immediately, (2) defer their allocation for 45 days from the application signed date to accommodate multiple transfers and exchanges or (3) elect to defer their allocation to a specified date. The Insurance Charge is a combination of the Mortality & Expense Risk Charge and the Administration Charge. position: absolute; Upon renewal or reallocation at the end of a term, your clients may continue with the same strategy and allocation, or choose from any strategies and terms available at that time. This website is for U.S. persons Opens in a new window only and may not be approved in all states. Partner with us, and well invest in you. Suggestions may appear below after you type 3 letters. Low-risk investments today offer little growth opportunity, while investing in the stock market can be risky. Prudential and its affiliates are not liable for use of the Stages platform. Prudential FlexGuard commissionable annuity (B-shares) have a 6 year surrender charge starting at 7% charge in the first year and second year following with a 1% reduction every year after that. Information contained on this site does not and is not intended to constitute an advertisement, solicitation, or offer for sale in any jurisdiction outside the United States, where such use would be prohibited or otherwise regulated. "Prudential Advisors" is a brand name of The Prudential Insurance Company of America and its subsidiaries. In cases where the duration of the index term is shorter than the length of the surrender charge period, your clients may need to renew or reallocate their strategy selections one or more times before the surrender charge period ends. 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.

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