1. IRA Stretch Planning with Life Insurance Not for Consumer Use. 0187631-00004-00 Ed. 07/2015 Exp. 01/02/2017 The Prudential Insurance Company of America, Newark, NJ. PRESENTED BY: [Joe Sample,][Designations per field stationery guidelines] [Company Approved Title] [Agency Name] [The Prudential Insurance Company of America] [1234 Main Street, Suite 1, Floor 10] [Anywhere], [ST] [12345] [in required states] [ Insurance License Number ] [Phone] [123-123-1234] Fax [123-123-1245] [joe.sample@prudential.com]

2. Important Notice Not for Consumer Use.2 This material has been prepared by The Prudential Insurance Company of America to assist our producers. It is designed to provide general information in regard to the subject matter covered. It is published with the understanding that Prudential is not providing legal, accounting or tax advice. Such services should be provided by the client’s own advisors. Accordingly, any information in this document cannot be used by any taxpayer for purposes of avoiding penalties under the Internal Revenue Code. Life insurance is issued by The Prudential Insurance Company of America, Newark, NJ, and its affiliates. Like most insurance policies, our policies contain exclusions, limitations, reductions of benefits and terms for keeping them in force. Securities and Insurance Products: Not Insured by FDIC or Any Federal Government Agency. May Lose Value. Not a Deposit of or Guaranteed by Any Bank or Bank Affiliate. Prudential, the Prudential logo and the Rock symbol are service marks of Prudential Financial, Inc. and its related entities. © 2014 Prudential Financial, Inc. and related entities.

3. The Problem: Taxation Not for Consumer Use.3

4. The Solution: IRA Stretch Planning 4Not for Consumer Use.

5. How Does IRA Stretch Planning Work? 5Not for Consumer Use.

6. How Does IRA Stretch Planning Work? Not for Consumer Use.6

7. Why Life Insurance? Not for Consumer Use.7

8. Prospects for IRA Stretch Planning Not for Consumer Use.8

9. Benefits of IRA Stretch Planning Not for Consumer Use.9 Flexibility Spousal Protection Tax Efficiency Estate Planning

10. [ Thank You! Not for Consumer Use. Need more information? Click on the ATTACHMENTS tab for more material Click the Tools & Help icon Contact the Life Sales Desk: lifesalesdesk@prudential.comlifesalesdesk@prudential.com - or – Visit our website: www.pruxpress.comwww.pruxpress.com THANK YOU FOR JOINING US! ] 10

11. [Any Questions?] Not for Consumer Use.11 [ THANK YOU FOR JOINING US! ]