PruSecure 5
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Highlights
The Prudential PruSecure Fixed Indexed Annuity is a single premium, long-term contract designed to help you secure your financial future. In return for your premium payment, you receive certain benefits. PruSecure is designed to protect you from loss. It also gives you the opportunity to grow your account value without exposure to the unpredictable ups and downs of the stock market.
Available in states:
AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY
|
Type
|
Fixed Index |
|---|---|
| Purpose | Accumulation |
|
Term
|
5 Years |
|
Surrender schedule
|
9%9%8%7%6% |
|
Free withdrawal
|
1st year: 0% 2nd+ year: 10% |
|
Market value adjustment
|
|
|
Return of premium
|
|
|
Launch date
|
01/29/2018 |
|
Minimum contribution
|
$10,000 |
|
Maximum contribution
|
$1,000,000 |
|
Max Age Qualified
|
85 |
|
Types of funds
|
Non-Qualified, IRA, IRA-Roth, NQ Stretch, and TSP |
Brochure
|
Open brochure |
Find out if the PruSecure 5 is the right product for you.
Premium Notes
Note: TSP funds have to be rolled into an IRA.
Withdrawal Provisions
Free Withdrawals
Year 1: No free withdrawals allowed in the first contract year, unless taken as a Required Minimum Distribution (RMD) that Prudential calculates
Year 1: No free withdrawals allowed in the first contract year, unless taken as a Required Minimum Distribution (RMD) that Prudential calculates
After Year 1: Client(s) may withdraw up to 10% of the account value each year (based on the previous contract anniversary, after all, index/interest credits are applied) without surrender charges or MVA.
- Free Withdrawals in each contract year are not cumulative
- Surrender charges and MVA will not apply to RMDs that Prudential calculates
Allocation Accounts
| Name | Type | Rates |
|---|---|---|
| 1-Year Fixed Account |
Fixed
|
4%
Fixed
|
| 5-Year S&P 500 PTP Participation Rate |
Point to Point
5-Year
|
65%
Participation
|
| 5-Year MSCI EAFE PTP Participation Rate |
Point to Point
5-Year
|
65%
Participation
|
| 3-Year Bloomberg Commodity PTP Participation Rate |
Point to Point
Triennial
|
50%
Participation
|
| 3-Year Dow Jones U.S. Real Estate PTP Participation Rate |
Point to Point
Triennial
|
50%
Participation
|
| 5-Year MSCI EAFE PTP Cap |
Point to Point
5-Year
|
52%
Cap
|
| 1-Year Bloomberg Commodity PTP Participation Rate |
Point to Point
Annual
|
45%
Participation
|
| 1-Year Dow Jones U.S. Real Estate PTP Participation Rate |
Point to Point
Annual
|
45%
Participation
|
| 1-Year MSCI EAFE PTP Cap |
Point to Point
Annual
|
9.5%
Cap
|
| 1-Year S&P 500 PTP Cap |
Point to Point
Annual
|
9.5%
Cap
|
| 5-Year S&P 500 PTP Cap |
Point to Point
5-Year
|
52%
Cap
|
| 3-Year Bloomberg Commodity PTP Cap |
Point to Point
Triennial
|
31%
Cap
|
| 3-Year Dow Jones U.S. Real Estate PTP Cap |
Point to Point
Triennial
|
26%
Cap
|
| 3-Year MSCI EAFE PTP Cap |
Point to Point
Triennial
|
26%
Cap
|
| 3-Year S&P 500 PTP Cap |
Point to Point
Triennial
|
26%
Cap
|
| 3-Year S&P 500 PTP Participation Rate |
Point to Point
Triennial
|
50%
Participation
|
| 1-Year Bloomberg Commodity PTP Cap |
Point to Point
Annual
|
10.75%
Cap
|
| 1-Year Dow Jones U.S. Real Estate PTP Cap |
Point to Point
Annual
|
9.5%
Cap
|
| 3-Year MSCI EAFE PTP Participation Rate |
Point to Point
Triennial
|
50%
Participation
|
| 1-Year MSCI EAFE PTP Participation Rate |
Point to Point
Annual
|
45%
Participation
|
| 1-Year S&P 500 PTP Participation Rate |
Point to Point
Annual
|
45%
Participation
|
| 1-Year Fixed Account |
Fixed
|
4.5%
Fixed
|
| 1-Year Bloomberg Commodity PTP Cap |
Point to Point
Annual
|
12%
Cap
|
| 3-Year MSCI EAFE PTP Participation Rate |
Point to Point
Triennial
|
60%
Participation
|
| 1-Year S&P 500 PTP Cap |
Point to Point
Annual
|
10.75%
Cap
|
| 1-Year MSCI EAFE PTP Cap |
Point to Point
Annual
|
10.75%
Cap
|
| 5-Year MSCI EAFE PTP Cap |
Point to Point
5-Year
|
70%
Cap
|
| 3-Year S&P 500 PTP Participation Rate |
Point to Point
Triennial
|
60%
Participation
|
| 3-Year Bloomberg Commodity PTP Cap |
Point to Point
Triennial
|
36%
Cap
|
| 3-Year Dow Jones U.S. Real Estate PTP Cap |
Point to Point
Triennial
|
31%
Cap
|
| 3-Year MSCI EAFE PTP Cap |
Point to Point
Triennial
|
31%
Cap
|
| 3-Year S&P 500 PTP Cap |
Point to Point
Triennial
|
31%
Cap
|
| 3-Year Bloomberg Commodity PTP Participation Rate |
Point to Point
Triennial
|
60%
Participation
|
| 1-Year Dow Jones U.S. Real Estate PTP Cap |
Point to Point
Annual
|
10.75%
Cap
|
| 1-Year MSCI EAFE PTP Participation Rate |
Point to Point
Annual
|
55%
Participation
|
| 1-Year S&P 500 PTP Participation Rate |
Point to Point
Annual
|
55%
Participation
|
| 5-Year S&P 500 PTP Participation Rate |
Point to Point
5-Year
|
75%
Participation
|
| 1-Year Bloomberg Commodity PTP Participation Rate |
Point to Point
Annual
|
55%
Participation
|
| 1-Year Dow Jones U.S. Real Estate PTP Participation Rate |
Point to Point
Annual
|
55%
Participation
|
| 3-Year Dow Jones U.S. Real Estate PTP Participation Rate |
Point to Point
Triennial
|
60%
Participation
|
| 5-Year MSCI EAFE PTP Participation Rate |
Point to Point
5-Year
|
75%
Participation
|
| 5-Year S&P 500 PTP Cap |
Point to Point
5-Year
|
70%
Cap
|
Surrender schedule
| Year | 1 | 2 | 3 | 4 | 5 |
|---|---|---|---|---|---|
| Penalty | 9% | 9% | 8% | 7% | 6% |
Riders
No Riders for PruSecure 5 annuity.
Waivers
Death
The MVA and Surrender Charge do not apply to the Death Benefit.
Terminal Illness
Unavailable in states: CA
A Withdrawal or Surrender taken as a Medically Related Surrender where the Owner (or Annuitant if your PruSecure annuity is owned by an entity) is diagnosed with a terminal illness or confined to a Medical Care Facility for 90 consecutive days (subject to regulatory approval).
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