Annual Benefit Charge. The annual benefit charge for both single and spousal contracts is equal to 0.95% of the Account Value on the contract anniversary and is deducted on the contract anniversary. Guaranteed Income Amount (GIA) The amount of lifetime income available to the client every year for life.Lincoln Financial Group. 1-800-234-3500 www.LFG.com. Hospital Indemnity &. Accident Insurance. Prudential. 1-844-455-1002 www.prudential.com/mybenefits. Life ...1057686-00001-00. Follow us on: Prudential Stages is an umbrella marketing name for Pruco Securities LLC, (sometimes referred to as “Pruco”) doing business as Prudential Financial Planning Services, pursuant to a separate agreement. Investment advisory products and services are made available through Pruco, a registered investment adviser.

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