Variable Annuities  Printer-friendly version Why choose a variable annuity? A variable annuity can be an important component of your long-term retirement planning because it offers you: Guaranteed future income that you cannot outlive No IRS imposed annual contribution limit on non-qualified money Opportunity for growth Tax deferral on any growth1 A broad range of investment choices Professional investment management Tax-free transfers between investment options Flexible retirement income options Retirement income protection Guaranteed death benefit for beneficiaries2 Choose the right variable annuity for you Request an appointment with a local financial professional who can help you define your personal goals, develop your investment strategy, and help you to choose the variable annuity that is right for you. We offer a range of variable annuities with features and options to help you grow and protect your retirement nest egg.   Strategic PartnersSM FlexElite 2 (Note) Offers you flexibility and liquidity, a 1% credit option to boost your contract value5, and the advantages of tax-deferred growth with death benefit protection.4   Strategic PartnersSM Annuity One 3 (Note) Boosts your contract value with a bonus credit6, and provides the flexibility for you to customize your variable annuity according to your needs. Annuity One offers upside potential and downside protection features to help you invest for retirement.4   Strategic PartnersSM Select3 Allows you to enjoy a powerful, research-driven investment strategy, fixed-rate investment options to help balance your portfolio, built-in access to your money if you should need it7, and financial protection for your beneficiaries – all in an affordable package.   Strategic PartnersSM Advisor3 Offers you liquidity, without having to pay a withdrawal charge4, and the flexibility to make additional contributions. Advisor also provides inexpensive death benefit protection.   Variable Investment Plan Offers you a wide range of investment options plus a bonus equal to 1% of each purchase payment made during the first three years of the annuity contract. Minimum initial investment of $1,000.   The opportunity for growth The future income you will receive from your variable annuity depends on the performance of the investment options you choose and the retirement income options you select. Because variable annuities invest in equity markets, they entail more risk than fixed annuities, but as a result they offer you more growth potential. This opportunity for growth may help you to keep up with or even outpace inflation, which may lead to the retirement lifestyle of your choice. The investment return and value of variable annuities will fluctuate and when sold may be worth more or less than the original cost.   Request an appointment with a licensed financial professional to learn more about variable annuities.   Note: For prospective clients only who do not already own a Strategic Partners Annuity One contract. Current Strategic Partners Annuity One clients should contact their Financial Advisor for more information or can access performance information for Daily Unit Values or Monthly Performance Reviews.Clients can also login into Prudential Online for all your annuity contract information here.   All annuities not available in all states.   1Tax deferral is not exclusive to annuities. Tax deferral is provided by an Individual Retirement Account and other qualified retirement plans. A variable annuity contract should be used to fund a qualified retirement plan to benefit from the annuity's features other than tax deferral, including the lifetime income payout option, the death benefit protection, and the ability to transfer among investment options without sales or withdrawal charges.   2Death benefit guarantee is backed by the claims-paying ability of the issuer.   3Issued by Pruco Life Insurance Company, in New York, issued by Pruco Life Insurance Company of New Jersey.   4Withdrawals of taxable amounts will be subject to income tax, and prior to age 59 ½, may be subject to a 10% federal income tax penalty.   5The 1% Credit Option will be offered at the 3rd contract anniversary. If accepted, the 1% Credit Option will be offered again at the 6th contract anniversary. A new 3-year withdrawal charge period will begin each time the credit is elected.   6Bonus credits will be treated as earnings for distribution purposes and will be subject to market risk when invested in the variable sub-accounts. The bonus version of this annuity contract has higher fees and withdrawal charges than the non-bonus version.   7Withdrawals of earnings may be subject to income tax, and there is a 10% tax penalty for withdrawals prior to age 59½. Withdrawal charges may also apply.   Like most annuity contracts, annuities available through Prudential contain exclusions, limitations, reductions of benefits and terms for keeping them in force. For more information about variable annuities, including charges and expenses, please contact your Prudential Professional for a prospectus. Please read it carefully before purchasing a contract.   Strategic Partners FlexElite Annuity is a variable annuity issued by Pruco Life Insurance Company (in New York, issued by Pruco Life Insurance Company of New Jersey), both located at 213 Washington Street, Newark, NJ 07102-2992, and distributed through Prudential Investment Management Services LLC, Three Gateway Center, 14th Floor, Newark, NJ 07102-4077, member SIPC. All are Prudential Financial companies. Strategic Partners Annuity One (Contract #VBON-2000-OR and #VDCA-2000-OR) is a variable annuity issued by the Pruco Life Insurance Company, except in New York where the issuer is Pruco Life Insurance Company of New Jersey, both located at 213 Washington Street, Newark, NJ 07102-2992. Strategic Partners Select Variable Annuity (Contract #VFM-96) are issued by Pruco Life Insurance Company, except in New York where the issuer is Pruco Life Insurance Company of New Jersey. Strategic Partners Advisor Variable Annuity (Contract #VFLX-99) are issued by Pruco Life Insurance Company, except in New York where the issuer is Pruco Life Insurance Company of New Jersey. Variable annuities are distributed through Prudential Investment Management Services LLC, 100 Mulberry Street, Gateway Center Three, Newark, NJ 07102, members SIPC. All are Prudential companies. Prudential and Pruco Life are each solely responsible for their respective financial condition and contractual obligations. All annuities not available in all states.   The Prudential Series Fund investment portfolios are available to the public only through variable life and variable annuity contracts. The performance of these funds is not related to that of any other retail mutual funds, despite any similarities in their names, investment objectives or policies.   IFS-A084404 Take Action Find An Agent Request an Appointment