Retirement Planning Center
Should Americans Insure Their Retirement Income?
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Did You Know?
In the first six months of 2013 alone, the market created 17 opportunities for investors to capture new highs for their retirement savings.*
*Source: Yahoo Finance; YTD throughout 6/30/13.
72% of online adults use social networking sites, and 18% use Twitter.*
*Source: Pew Internet & American Life Project; August 5, 2013
94 percent of Boomers who own an annuity are extremely or very confident about retirement compared with 71 percent of Boomers who do not own an annuity.*
*Source: State of the Insured Retirement Industry, December 2012
Investable retirement assets will rise to $22 trillion by 2020 for U.S. households with a person over age 55.*
*Source: Retirement Income Reference Book, December 2012
Over 90% of High Net Worth Investors participate in social media in some form.*
*Source: LinkedIn Social Media's Growing In¬uence Among High Net Worth Investors May 2012
In the Spotlight This Month
The Internet is global: billions worldwide are connected to it. But take a closer look: it is also a local phenomenon. That's why social media can help financial professionals build their business as they promote their brand online, prospect for new clients and reinforce their professional reputation. Read this articleSponsored by Prudential
Strategies for Retirement Income
Research & Perspectives
Insuring Your Retirement
With continuing market uncertainty and low interest rates, how can clients protect their retirement income? This paper explores the advantages of insuring retirement income. An in-depth case study assesses the chances of exhausting retirement assets in various scenarios of longevity and other retirement risks. Download PDFMore Research & Perspective Articles Sponsored by Prudential
Practice Building Ideas
Best Practices of Grass Roots Advertising
Local marketing that does not target a specific market niche packs as much punch as dud fireworks. Like any other small business entrepreneurs, savvy financial professionals should focus on a particular client segment of their community. For example, to be successful as a retirement planning professional, you need to zero in on pre-retirees or people who have already retired. Read this articleMore Practice Building Ideas Articles Sponsored by Prudential
Investors should consider the contract and the underlying portfolios' investment objectives, 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.
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.
Variable annuities are issued by Pruco Life Insurance Company (in New York, by Pruco Life Insurance Company of New Jersey), Newark, NJ and distributed by Prudential Annuities Distributors, Inc., Shelton, CT. All 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.
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. Withdrawals and distributions of taxable amounts are subject to ordinary income tax and, if made prior to age 59½, may be subject to an additional 10% federal income tax penalty. Withdrawals, other than from IRAs or employer retirement plans, are deemed to be gains out first for tax purposes. Withdrawals reduce the account value and the living and death benefits.
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.
Certain portfolios may use leverage, short sales, and derivatives or engage in other speculative practices within their alternative investments, These practices include a high degree of risk and may increase the risk, size, and velocity of investment losses. Although certain alternative strategies seek to reduce risk by attempting to reduce correlation with equity and bond markets, no guarantee can be given that such efforts will be successful. The fees and expenses associated with alternative investments are generally higher than those for traditional investments.
Diversification does not assure against loss in a declining market.
© 2013. 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.
0244081-00001-00 Ed. 6/2013