The Prudential Insurance Company of America

J Scott Dunn

N David Kuperstock

Robert Francis O'Donnell

Robert J Schwartz

Jacob M Herschler

Steven Lee Putterman

Michael Albert Guido

Daniel O Kane

Dain Eric Runestad

Nicholas Berardis, Jr

John L Grucza

One embodiment of the invention is a method for providing a financial instrument that includes determining an initial account balance associated with a financial instrument, establishing a first guarantee of a protected value, the protected value including at least an amount based upon the initial account balance growing at a minimum positive growth rate, establishing a second guarantee that a beneficiary may receive a transfer of an amount of money, and establishing an agreement to allow at least a portion of the account balance to be transferred from one or more selected investments to one or more alternative investments in response to a triggering event.

System and method for providing a financial instrument with an asset transfer feature

One embodiment of the invention is a method for providing a financial instrument including determining a current account balance for a financial account, calculating a liability ratio for the financial account, and determining whether to transfer at least a portion of the account balance from a variable sub-account to a low-risk sub-account based on the liability ratio.

System and method for providing a financial instrument utilizing a liability ratio

One embodiment of the invention is a method for providing a financial instrument including determining a current account balance for a financial account and on a first periodic basis: determining a specified percentage of the value of the financial account, determine the greater of a particular limit and the highest value of the financial account multiplied by the specified percentage on a second periodic basis, and in response to a determination that the highest value of the financial account multiplied by the specified percentage on the second periodic basis is greater than the particular limit, stepping-up the particular limit to equal the highest value of the financial account multiplied by the specified percentage on the second periodic basis.

System and method for providing a financial instrument with a periodic step-up feature

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Rocky Hill, CT, United States of America

J Scott Dunn