An innovative income engine seamlessly integrated into a managed account to help clients live a better life, longer.
See how ActiveIncome can be leveraged as a tool to help provide longevity protection and maximize income.
How ActiveIncomeSM works:
Continue to manage client investments while also designating a portion of the investible assets to lifetime income:
Pre-Income Stage:
Account Value will remain invested in your choice of underlying investment options and will increase or decrease based on fund performance.
Clients have flexibility to start taking income immediately, but deferring income will result in daily increases to their Income Percentage—providing more income potential for the future.
Income Stage:
Once clients begin to take income, the Annual Income Amount will be determined, as Income Percentage gets locked in and is then multiplied by the Income Base.
The Annual Income Amount will fluctuate based on the net performance of the underlying investments. The Income Base is not affected by Income Withdrawals. But withdrawals in excess of the Annual Income Amount will negatively impact the future annual income.
Insured Stage:
Once the permitted withdrawals reduce the Account Value to zero, the Insured Income Stage begins.
At this point, the Annual Income Amount locks in and clients receive a fixed, guaranteed payment equal to their last annual income payment—for the rest of their lives.*
Footenotes
This is a hypothetical example for illustrative purposes only. It does not reflect a specific annuity, an actual Account Value, or the net performance of any investment.
The Income Base is a notional value that is not available for withdrawals.
* When your Account Value reaches zero due to non-excess withdrawals, your Annual Income Amount will no longer vary. The Insured Income Payment equals the Annual Income Amount as of the date your Account Value reaches zero, adjusted for any Additional Account Value Contributions on that day or Excess Withdrawals that occurred in the same Contract Year as the Insured Income Payments begin. If an investor never takes the first income withdrawal, the income stage will never occur.
The Future of Income Planning Starts Here
Who needs ActiveIncome?
These attributes can help paint a more complete picture of the type of client with whom you can use this:
Heather & Carl (50 – 54)
- More likely to spend than save
- Moderate to high risk tolerance, given their investment horizon and spending priorities
- Deed strategies that blend growth with future income security
Claire & John (55 – 64)
- More likely to save than spend
- Moderate risk tolerance with a stronger focus on balance: they seek growth but also seek stability for retirement planning
- Interest in protecting assets while maintaining control over investment decisions
Michele & Roger (65 – 75)
- More likely to save than spend
- Conservative risk tolerance, focusing more on income stability than asset growth
- Preference for protection against market volatility and assurance of steady income for life
Younger prospects (Heather & Carl) require foundational education, whereas older groups (Michele & Roger) need assurance of immediate benefits and security. Remember, risk appetite declines with age, and your prospect messaging should evolve from growth-oriented to longevity-protection-oriented.
What to use with clients:
Talking to clients about Insurance Overlays:
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.
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.
All annuity contract guarantees, including benefit payment obligations are backed by the issuing company's claims-paying ability. The third-party broker-dealer/agency, or any of its affiliates, selling this annuity are not responsible for making those payments, and none makes any representations or guarantees about the issuer's ability to pay claims.
The events that trigger Insured Income Payments from us may never occur. We set the Withdrawal Percentage and Deferral Credits for the Contract based on the average assumed lifetime of expected contract holders. You may only receive Insured Income Payments if you outlive this average future lifetime.
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.
Insurance overlays are generally a contingent deferred annuity
© 2026 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.
This material is created for Financial Professional Use only.
Are you a licensed financial professional?
For Compliance Use Only:1086217-00005-00