Plenty of Access to Funds

There are actually some pretty compelling liquidity features that come with this variable annuity, especially given the fact that this is supposed to be the VA in this series from Pru that is more geared towards those with longer time horizons.

First, owners can withdraw 10 percent per year without any fees applied from the withdrawal charge schedule.

These discretionary withdrawals would be subject to the 10 percent federal income tax penalty if they are made prior to the person being 59.5 years old.

Second, full or partial withdrawal of funds is allowed if the VA owner is terminally ill or confined to a nursing home for more than 90 days.