Stagecoach Flex - Prudential Annuities

TABLE OF CONTENTSGLOSSARY OF TERMS..........................................................................................................................................................................5SUMMARY OF CONTRACT FEES AND CHARGES...........................................................................................................................6EXPENSE EXAMPLES............................................................................................................................................................................9INVESTMENT OPTIONS ......................................................................................................................................................................10WHAT ARE THE INVESTMENT OBJECTIVES AND POLICIES OF THE PORTFOLIOS? .......................................................10WHAT ARE THE FIXED INVESTMENT OPTIONS? .....................................................................................................................15FEES AND CHARGES...........................................................................................................................................................................15WHAT ARE THE CONTRACT FEES AND CHARGES? ................................................................................................................15WHAT CHARGES APPLY SOLELY TO THE VARIABLE INVESTMENT OPTIONS? ..............................................................16WHAT CHARGES ARE ASSESSED BY THE PORTFOLIOS? ......................................................................................................16WHAT CHARGES APPLY TO THE FIXED ALLOCATIONS? ......................................................................................................16WHAT CHARGES APPLY IF I CHOOSE AN ANNUITY PAYMENT OPTION? .........................................................................16EXCEPTIONS/REDUCTIONS TO FEES AND CHARGES .............................................................................................................17PURCHASING YOUR ANNUITY.........................................................................................................................................................17WHAT ARE OUR REQUIREMENTS FOR PURCHASING THE ANNUITY?...............................................................................17MANAGING YOUR ANNUITY............................................................................................................................................................18MAY I CHANGE THE OWNER, ANNUITANT AND BENEFICIARY DESIGNATIONS?..........................................................18MAY I RETURN THE ANNUITY IF I CHANGE MY MIND?........................................................................................................18MAY I MAKE ADDITIONAL PURCHASE PAYMENTS? .............................................................................................................18MAY I MAKE SCHEDULED PAYMENTS DIRECTLY FROM MY BANK ACCOUNT?............................................................18MAY I MAKE PURCHASE PAYMENTS THROUGH A SALARY REDUCTION PROGRAM?..................................................18MANAGING YOUR ACCOUNT VALUE ............................................................................................................................................19HOW AND WHEN ARE PURCHASE PAYMENTS INVESTED? ..................................................................................................19ARE THERE RESTRICTIONS OR CHARGES ON TRANSFERS BETWEEN INVESTMENT OPTIONS?.................................19DO YOU OFFER DOLLAR COST AVERAGING? ..........................................................................................................................19DO YOU OFFER ANY AUTOMATIC REBALANCING PROGRAMS? ........................................................................................20DO YOU OFFER PROGRAMS DESIGNED TO GUARANTEE A "RETURN OF PREMIUM" AT A FUTURE DATE?............20MAY I AUTHORIZE MY INVESTMENT PROFESSIONAL TO MANAGE MY ACCOUNT? ....................................................22HOW DO THE FIXED INVESTMENT OPTIONS WORK?.............................................................................................................22HOW DO YOU DETERMINE RATES FOR FIXED ALLOCATIONS? ..........................................................................................23HOW DOES THE MARKET VALUE ADJUSTMENT WORK?......................................................................................................23WHAT HAPPENS WHEN MY GUARANTEE PERIOD MATURES? ............................................................................................24ACCESS TO ACCOUNT VALUE .........................................................................................................................................................24WHAT TYPES OF DISTRIBUTIONS ARE AVAILABLE TO ME?................................................................................................24ARE THERE TAX IMPLICATIONS FOR DISTRIBUTIONS?........................................................................................................25CAN I WITHDRAW A PORTION OF MY ANNUITY?...................................................................................................................25CAN I MAKE PERIODIC WITHDRAWALS FROM THE ANNUITY DURING THE ACCUMULATION PERIOD? ................25DO YOU OFFER A PROGRAM FOR WITHDRAWALS UNDER SECTION 72(T) OF THE INTERNAL REVENUE CODE? .25WHAT ARE MINIMUM DISTRIBUTIONS AND WHEN WOULD I NEED TO MAKE THEM? ................................................26CAN I SURRENDER MY ANNUITY FOR ITS VALUE?................................................................................................................26WHAT TYPES OF ANNUITY OPTIONS ARE AVAILABLE?.......................................................................................................26HOW AND WHEN DO I CHOOSE THE ANNUITY PAYMENT OPTION? ..................................................................................27HOW ARE ANNUITY PAYMENTS CALCULATED? ....................................................................................................................27DEATH BENEFIT ..................................................................................................................................................................................28WHAT TRIGGERS THE PAYMENT OF A DEATH BENEFIT?.....................................................................................................28BASIC DEATH BENEFIT..................................................................................................................................................................29OPTIONAL DEATH BENEFITS .......................................................................................................................................................29PAYMENT OF DEATH BENEFITS..................................................................................................................................................31Contract described herein is no longer available for sale.3