RETIREMENT INCOME CERTAINTY STARTS TODAY

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1 RETIREMENT INCOME CERTAINTY STARTS TODAY Prudential Immediate Income Annuity Annuities are issued by The Prudential Insurance Company of America, Newark, NJ. This material must be preceded or accompanied by The Prudential Immediate Income Annuity Important Information document Ed. 03/2014

2 Your future is now You have spent a lifetime working hard and saving for the future, and now you are ready to enjoy your retirement. It s time to turn your savings into income that can last for the rest of your life. Today, Americans are faced with many challenges in retirement, and as a result, are looking for new ways to create income certainty. When choosing a strategy for retirement income, there are key challenges that your financial professional can help you address. 1. W here will my retirement income come from? The short answer is you. With the future of Social Security uncertain and traditional employer pension plans becoming less common, the reality for most retirees is that their personal savings will take on a much greater role in funding retirement. 2. Will I outlive my retirement income? People are living longer. Over the last 60 years, the average life expectancy has increased by more than 10 years.2 With more time spent in retirement, you need to plan for the increased risk you ll run out of money. 3. How will market swings affect my retirement income? The market environment over the last few years has been a sobering reminder of the impact volatility can have on retirement portfolios. As there will always be ups and downs in the market, consider a strategy that can help protect your retirement income from the effects of volatility. Equity markets have suffered two major declines already in the first decade of the 21st century and continue to be subject to increased volatility.3 USAA, Retirement Income: It s Up To You Now, 2012 CDC/National Center for Health Statistics ( accessed October Society of Actuaries, Key Findings and Issues: Longevity, July / 8 PENSIONS ARE PLAYING A SMALLER ROLE FOR AMERICANS AS THEY PREPARE FOR RETIREMENT The number of traditional employer pension plans has decreased from a peak of 175,000 in 1983 to just 25,000 today

3 Simple. Certain. Strong. Work with your financial professional to create a strategy to help maximize and protect your retirement income. By allocating a portion of your retirement savings to the Prudential Immediate Income Annuity, you will have a simple and certain strategy from a strong partner to help you meet the challenges of retirement. Prudential Immediate Income Annuity SIMPLE One purchase payment helps provide immediate maximum income in retirement CERTAIN A consistent, guaranteed income stream that is not impacted by market volatility STRONG Work with The Prudential Insurance Company of America, a highly rated, well-known company with a successful history of meeting financial challenges The Prudential Immediate Income Annuity is a fixed annuity designed to help provide maximum, guaranteed income in retirement. This income can help you supplement traditional sources of retirement income, such as Social Security and pensions, that may not offer the amount of income you need. You can customize your annuity by choosing from a wide variety of payout options that best meet your retirement income needs, including joint life options that continue to provide income to your loved one when you pass away. The Prudential Immediate Income Annuity provides periodic payments, but has no account value or cash surrender value, does not permit loans, and does not allow other withdrawals. Costs are factored into the payment amount. All references to income certainty and guarantees are subject to the terms of the payout option and are backed by the claims-paying ability of the issuing company. 3/ 8

4 A simple strategy to help maximize your income With a single purchase payment of $10,000 or more, the Prudential Immediate Income Annuity is designed to help you maximize your retirement income. You can begin your guaranteed income payments at any time within 13 months of purchasing your annuity. THE PRUDENTIAL IMMEDIATE INCOME ANNUITY PROVIDES: A guaranteed income to supplement traditional income sources like Social Security and pensions A selection of payout options, including payouts for a certain period of time, lifetime income, or income for joint lives Income that is not impacted by market swings One-time ability to access future payments at a discounted rate (available only on the life with period certain payout options subject to certain requirements) Preferential tax treatment on income from after-tax (non-qualified) assets If you select a life only payout option and pass away before receiving income payments, the annuity may not provide any death benefit. For complete details on this and all other payout options, as well as additional details and requirements, please refer to the Important Information document located in the pocket of this brochure. THE PRUDENTIAL IMMEDIATE INCOME ANNUITY A hypothetical example Meet Linda, age 65, who is retiring and seeking immediate income. Linda purchases a Prudential Immediate Income Annuity for $250,000 and chooses the Life with Cash Refund payout option. For the rest of her life, Linda will receive $15,000 annually from The Prudential Insurance Company of America If Linda passes away before the full purchase payment is paid out, the difference is paid to her designated beneficiaries If she lives to age 90, Linda will receive $375,000 in total payments $15,000 $15,000 $15,000 $15,000 $15,000 Investment $250,000 age 65 age 66 age 67 age 68 age 69 age 70 $15,000 per year for the rest of Linda s life If Linda lives to age 90, she will receive $375,000 in total payments For illustrative purposes only. The guaranteed income amount could be more or less depending on many factors, including when you purchase the annuity. 4/ 8

5 Income certainty for retirement The Prudential Immediate Income Annuity, available to clients age 89 and under, provides you with certainty through consistent and steady income backed by the strength of The Prudential Insurance Company of America. You ll know from day one exactly what your guaranteed retirement income payments will be. A STABLE FOUNDATION FOR YOUR RETIREMENT The Prudential Immediate Income Annuity helps create a solid base for your overall retirement strategy with a guaranteed stream of income. And unlike stocks and bonds, your income is not impacted by market swings and interest rate changes. The Prudential Immediate Income Annuity may help your overall retirement portfolio by: Helping you feel more comfortable about pursuing growth opportunities with other investments in your retirement portfolio Increasing the possibility that your retirement assets will last your lifetime Providing greater opportunities to leave a legacy 5/ 8

6 Trust today and tomorrow to a strong company PRUDENTIAL ANNUITIES Committed to meeting America s retirement income challenges Prudential Annuities is a business of Prudential Financial, Inc. and an innovative leader in the guaranteed retirement income industry. We ve built our reputation by being steadfastly committed to: Insight that drives innovation: Our ongoing analysis of industry trends and deep-rooted knowledge of the financial markets help us deliver leading-edge products and services A comprehensive approach to risk management: We incorporate risk-reduction strategies that help us better manage our business and your income guarantee through all market conditions Sustaining financial strength: The Prudential Insurance Company of America is rated by the major independent ratings agencies PRUDENTIAL FINANCIAL, INC. A company you know and trust Prudential Financial, Inc. is one of the most recognized and respected names in the financial services industry. In fact, more than 95% of people in the U.S. recognize the Prudential name 1 We ve been meeting financial challenges for over 135 years, creating innovative products and strategies which have helped individuals and institutions reach their financial goals We maintain a diversified mix of businesses, including life insurance, annuities, retirement-related services, mutual funds, investment management and real estate services 1 Source: 2010 Prudential s Brand Image Study, Wave 41, conducted by Data Development Worldwide THE PRUDENTIAL INSURANCE COMPANY OF AMERICA A.M. BEST COMPANY FITCH RATINGS STANDARD & POOR S MOODY S A+ A+ AA- A1 (2nd category of 16) (5th category of 21) (4th category of 26) (5th category of 21) Superior ability to meet ongoing Strong capacity to meet policyholder Very strong financial obligations to policyholders and contract obligations security characteristics Good financial security All ratings are as of January 15, While ratings can be objective indicators of an insurance company s financial strength and can provide a relative measure to help select among insurance companies, they are not guarantees of the future financial strength and/or claims-paying ability of a company and do not apply to the investment performance or financial strength of the underlying variable investment option, which are subject to market risk. The broker/dealer from which an annuity is purchased, the insurance agency from which an annuity is purchased and any affiliates of those entities make no representations regarding the quality of the analysis conducted by the rating agencies. The rating agencies are not affiliated with the above-mentioned entity nor were they involved in any rating agency s analysis of the insurance company. The above ratings are subject to change and do not reflect any subsequent rating agency actions. We make every effort to update our literature as soon as possible after a ratings change. Please consult with your financial professional or visit our investor relations site, for the most current ratings information. 1875: The Prudential Friendly Society, founded by John Fairfield Dryden, opened for business. It was the first company in the United States to make life insurance available to working-class people. 1940s: Claims of more than $70 million were paid on nearly 100,000 policies as a result of casualties during World War II. 2009: On June 1st, Prudential declined to participate in the U.S. Department of Treasury s Capital Purchase Program (CPP), commonly referred to as TARP money. In 2012, The Prudential Insurance Company of America closed two major pension risk transfer transactions with the retirement plans of General Motors and of Verizon Communications. 6/ 8

7 Ask your financial professional for a customized income illustration today.

8 The Prudential Insurance Company of America, a Prudential Financial company, is solely responsible for its own financial condition and contractual obligations. 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. Your needs and suitability of annuity products and benefits should be carefully considered before investing. Prudential Annuities and its distributors and representatives do not provide tax, accounting, or legal advice. Please consult your own attorney or accountant. Annuity income payments and any distribution made under the annuity are subject to ordinary income tax and, if made prior to age 59½, may be subject to an additional 10% federal income tax penalty, sometimes referred to as an additional income tax. With the Prudential Immediate Income Annuity, the payout option you select determines whether certain features are available to you. Please review the Important Information document carefully before selecting your payout option. Certain features of the product may not be available in all states Prudential Financial, Inc. and its related entities. Prudential Annuities, Prudential, the Prudential logo, the Rock symbol, and Bring Your Challenges are service marks of Prudential Financial, Inc. and its related entities, registered in many jurisdictions worldwide. Issued on contract: PI-SPIA/IND(2/14), et al. or state variation thereof. one corporate drive shelton, connecticut / ORD Ed. 03/2014 [WO# ]

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