PruSecure 5 Advisor
Get an annuity today!
Learn how an annuity can provide guaranteed income for life.
Highlights
The PruSecure Advisor annuity is a single premium deferred fixed indexed annuity. A fixed indexed annuity is a financial planning tool designed for the long term. The interest credited to an indexed annuity is based on the change in one or more external market indexes.
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
|
2%2%2%2%2% |
|
Free withdrawal
|
1st year: 0% 2nd+ year: 10% |
|
Market value adjustment
|
|
|
Return of premium
|
|
|
Minimum contribution
|
$10,000 |
|
Maximum contribution
|
$1,000,000 |
|
Max Age Qualified
|
85 |
|
Types of funds
|
Non-Qualified, IRA, IRA Rollover, IRA-Roth, NQ Stretch, and TSP |
Brochure
|
Open brochure |
Find out if the PruSecure 5 Advisor 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 calculate.
Allocation Accounts
| Name | Type | Rates |
|---|---|---|
| 1-Year Fixed Account |
Fixed
|
4.2%
Fixed
|
| 5-Year S&P 500 PTP Participation Rate |
Point to Point
5-Year
|
70%
Participation
|
| 5-Year MSCI EAFE PTP Participation Rate |
Point to Point
5-Year
|
70%
Participation
|
| 3-Year Bloomberg Commodity PTP Participation Rate |
Point to Point
Triennial
|
55%
Participation
|
| 3-Year Dow Jones U.S. Real Estate PTP Participation Rate |
Point to Point
Triennial
|
55%
Participation
|
| 5-Year MSCI EAFE PTP Cap |
Point to Point
5-Year
|
65%
Cap
|
| 1-Year Bloomberg Commodity PTP Participation Rate |
Point to Point
Annual
|
50%
Participation
|
| 1-Year Dow Jones U.S. Real Estate PTP Participation Rate |
Point to Point
Annual
|
50%
Participation
|
| 1-Year MSCI EAFE PTP Cap |
Point to Point
Annual
|
11%
Cap
|
| 1-Year S&P 500 PTP Cap |
Point to Point
Annual
|
11%
Cap
|
| 5-Year S&P 500 PTP Cap |
Point to Point
5-Year
|
65%
Cap
|
| 3-Year Bloomberg Commodity PTP Cap |
Point to Point
Triennial
|
37%
Cap
|
| 3-Year Dow Jones U.S. Real Estate PTP Cap |
Point to Point
Triennial
|
32%
Cap
|
| 3-Year MSCI EAFE PTP Cap |
Point to Point
Triennial
|
32%
Cap
|
| 3-Year S&P 500 PTP Cap |
Point to Point
Triennial
|
32%
Cap
|
| 3-Year S&P 500 PTP Participation Rate |
Point to Point
Triennial
|
55%
Participation
|
| 1-Year Bloomberg Commodity PTP Cap |
Point to Point
Annual
|
11.75%
Cap
|
| 1-Year Dow Jones U.S. Real Estate PTP Cap |
Point to Point
Annual
|
11%
Cap
|
| 3-Year MSCI EAFE PTP Participation Rate |
Point to Point
Triennial
|
55%
Participation
|
| 1-Year MSCI EAFE PTP Participation Rate |
Point to Point
Annual
|
50%
Participation
|
| 1-Year S&P 500 PTP Participation Rate |
Point to Point
Annual
|
50%
Participation
|
| 1-Year Fixed Account |
Fixed
|
4.7%
Fixed
|
| 1-Year Bloomberg Commodity PTP Cap |
Point to Point
Annual
|
12.75%
Cap
|
| 3-Year MSCI EAFE PTP Participation Rate |
Point to Point
Triennial
|
65%
Participation
|
| 1-Year S&P 500 PTP Cap |
Point to Point
Annual
|
12.25%
Cap
|
| 1-Year MSCI EAFE PTP Cap |
Point to Point
Annual
|
12.25%
Cap
|
| 5-Year MSCI EAFE PTP Cap |
Point to Point
5-Year
|
75%
Cap
|
| 3-Year S&P 500 PTP Participation Rate |
Point to Point
Triennial
|
65%
Participation
|
| 3-Year Bloomberg Commodity PTP Cap |
Point to Point
Triennial
|
41%
Cap
|
| 3-Year Dow Jones U.S. Real Estate PTP Cap |
Point to Point
Triennial
|
36%
Cap
|
| 3-Year MSCI EAFE PTP Cap |
Point to Point
Triennial
|
36%
Cap
|
| 3-Year S&P 500 PTP Cap |
Point to Point
Triennial
|
36%
Cap
|
| 3-Year Bloomberg Commodity PTP Participation Rate |
Point to Point
Triennial
|
65%
Participation
|
| 1-Year Dow Jones U.S. Real Estate PTP Cap |
Point to Point
Annual
|
12.25%
Cap
|
| 1-Year MSCI EAFE PTP Participation Rate |
Point to Point
Annual
|
60%
Participation
|
| 1-Year S&P 500 PTP Participation Rate |
Point to Point
Annual
|
60%
Participation
|
| 5-Year S&P 500 PTP Participation Rate |
Point to Point
5-Year
|
80%
Participation
|
| 1-Year Bloomberg Commodity PTP Participation Rate |
Point to Point
Annual
|
60%
Participation
|
| 1-Year Dow Jones U.S. Real Estate PTP Participation Rate |
Point to Point
Annual
|
60%
Participation
|
| 3-Year Dow Jones U.S. Real Estate PTP Participation Rate |
Point to Point
Triennial
|
65%
Participation
|
| 5-Year MSCI EAFE PTP Participation Rate |
Point to Point
5-Year
|
80%
Participation
|
| 5-Year S&P 500 PTP Cap |
Point to Point
5-Year
|
75%
Cap
|
Surrender schedule
| Year | 1 | 2 | 3 | 4 | 5 |
|---|---|---|---|---|---|
| Penalty | 2% | 2% | 2% | 2% | 2% |
Riders
No Riders for PruSecure 5 Advisor annuity.
Waivers
Terminal Illness
A Withdrawal or Surrender taken as a Medically Related Surrender where the Owner (or Annuitant if your PruSecure Advisor 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);
Ready to Protect Your Financial Future?
Request a free quote or talk to our financial expert to get help