Disclosures

Investors should carefully consider the features of the contract, index strategies, risks, charges, and expenses. The prospectus for the contract contains this and other important information which can be obtained by contacting the National Sales Desk. Clients should read the prospectuses carefully before investing.

It is possible to lose money by investing in securities.

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

An annuity is a long-term investment designed for retirement purposes. Withdrawals or surrenders may be subject to surrender charges and/or Market Value Adjustment. Withdrawals and distributions of taxable amounts are subject to ordinary income tax and, if made prior to age 59½, may be subject to a 10% additional tax. Withdrawals reduce the account value and the living and death benefits.

Registered Index linked annuity products are complex insurance and investment vehicles and are long-term investments designed for retirement purposes.  There is risk of loss of principal if negative index returns exceed the selected protection level.  As gains or losses are assessed at the end of each term, index credit is only received if the strategy is held full term, and no withdrawals are taken.  Early withdrawals may result in a loss in addition to applicable surrender charges and/or Market Value Adjustment. Please reference the prospectus for information about the levels of protection available and other important product information.

A fixed indexed annuity (FIA) is a tax-deferred financial tool designed for the long term. It offers a level of protection for clients’ money against loss with the opportunity for it to grow based on the performance of a specific market index, or combination of indices. With an FIA, clients’ money is not actually invested in any index, but rather may earn interest based on the index’s performance. There may typically be upper limits known as cap rates and participation rates, on the amount of potential interest credited in a given period, as well as a floor that offers downside protection. For complete information about the annuity, please refer to the PruSecure Important Information Disclosure Statement Opens a PDF in new window and/or the SurePath Important Information Disclosure Statement Opens a PDF in new window.

A fixed annuity is a financial tool that provides a guaranteed rate of return on the principal amount for a specified period. Withdrawals from a fixed annuity may be subject to surrender charges and/or Market Value Adjustment. For complete information, please refer to the Important Disclosure Statement Opens a PDF in new window which is also available from your financial professional.

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.​

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.

Optional living and death 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.

All products and/or options may not be available in all states or with all firms.

​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.

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