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| Strategic Partners Annuity One Variable Annuity |
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Strategic PartnersSM Annuity One Variable Annuity (issued by Pruco Life Insurance Company1) combines tax-deferred growth potential and the powerful Strategic Partners investment strategy. And with its many income options and death benefit protection features, you can tailor Annuity One to your particular needs. (Availability may vary by state.)
- Catch up in your retirement savings with a bonus credit option.
- Protect your future retirement income with a Guaranteed Minimum Income Benefit option.
- Enhance your future income with the innovative Income Appreciator Benefit.
- Select the level of protection your loved ones need with a choice of death benefits.
- Help your beneficiary offset taxes or other expenses with the Earnings Appreciator Benefit option.
- Give your spouse more financial security with a spousal continuance option in event of your death.
- Simplify your investment decisions with Profile Portfolios.
- Ease your way into the investment market with dollar cost averaging2.
- View Prospectus
The performance data will vary depending on the death benefit option you select.
| Base Death Benefit | Daily Unit Values | Monthly Performance Review |
| Guaranteed Minimum Death Benefit - Step-Up or 5% Roll-Up | Daily Unit Values | |
| Guaranteed Minimum Death Benefit - Step Up and 5% Roll-Up | Daily Unit Values |
Strategic Partners investment strategy
We believe you should have the advantage of selecting high quality investment options based on objective research. When combined with the guidance of a licensed financial professional, this can make a solid difference in your financial future.
All Strategic Partners annuities offer 27 professionally managed investment options from leading fund managers—enough choices to suit almost every investor.
Each fund manager has been screened and selected by a team of professional analysts who continue to monitor the managers to maintain the high standards that led to their selection.
The table below lists the Strategic Partners investment options according to asset class:
| Too many choices? Keep it simple by choosing one of our professionally managed Profile Portfolios, which provides an appropriate asset allocation in line with four distinct investor profiles. |
Bonus credit option
Your annuity can get off to a faster start with a bonus credit that adds 4% to purchase payments under $25,000, 5% to purchase payments of $250,000 to $999,999, and 6% to payments of $1,000,000 or more 3 For long-term investors, the power of tax-deferred compounding can help turn bonus payments into an attractive sum over time. It is important to remember that bonus contracts have higher fees and withdrawals charges. Please consult with your financial professional to determine if this option is right for you.
Guaranteed Minimum Income Benefit option (GMIB)
Would you like to lock in a guaranteed retirement income that you cannot outlive? With GMIB the contract value used to determine your future income will not be affected by your annuity's investment performance. This protects your future financial security from a down market when you're about to retire.4
GMIB also offers the potential for even greater financial security. During the accumulation phase of your contract, you have two opportunities to tap into rising markets and lock in investment gains as of that date.
Income Appreciator Benefit option
Annuity One's innovative Income Appreciator Benefit (IAB) can increase the potential long-term earnings of your annuity from 15% to 25%.7 You can use this extra money to offset taxes or any other way you wish. If you're seeking maximum growth, you can reinvest this money into the contract for even greater potential returns.
Death benefit protection that is free from probate
With some other types of investments, a down market at the time of your death could affect the assets you pass to beneficiaries. But with Annuity One, you can safeguard your annuity contract's value from investment losses for the benefit of your loved ones. You have a choice of a basic death benefit or one of three enhanced death benefits.6
Earnings Appreciator Benefit option
You can do more to help your beneficiaries offset some expenses or taxes with the Earnings Appreciator Benefit (EAB). It pays a supplemental death benefit based on your contract's earnings, if any, and your age at application. EAB is available for an additional fee.
Spousal continuance option
Give your spouse additional protection with an option to continue your contract in the event of your death. For instance, if your husband is your sole beneficiary (or the joint owner of your annuity), he can continue the contract in his name after your death, with the contract value equal to the amount that would otherwise have been paid as a death benefit. For more information about this benefit, please refer to the Client Guide or prospectus.
Strategic Partners Profile Portfolios
A long-term asset allocation strategy is a key component of retirement planning. Strategic Partners offers a choice of four Profile Portfolios to help you choose an appropriate strategy and simplify your investment decisions.
Each Portfolio is a predetermined asset allocation that corresponds to a distinct type of investor personality: Conservative, Balanced, Growth, or Aggressive Growth. Your financial professional can provide you with a brief questionnaire to help determine which Portfolio may be appropriate for you.
Dollar cost averaging
Concerned about finding "the right time" to invest? Research shows it's time in the market-not timing the market-that makes a difference in your returns. You can ease your way into the market by making regular transfers from the annuity's fixed rate account into the variable options; this may decrease the impact of market volatility on your investment.2
For more information about these benefits, please refer to the Client Guide or prospectus.