Prudential Beta Baby Bonus
Discussion Guide & Frequently Asked Questions
OFFER RULES & ELIGIBILITY
Tell me more about the Beta Baby Bonus.
On January 1, the world will welcome Generation Beta, poised to navigate a world transformed by groundbreaking technological, social and economic changes. Prudential is excited to support this new generation and is dedicated to helping them, like all generations, live better lives, longer. To kickstart their retirement savings, Prudential is offering the Beta Baby Bonus. Starting today, parents or guardians of a ‘Beta Baby’ born in the U.S. on January 1, 2025, can apply to receive $150 to invest in their child’s financial future, marking the company’s 150th anniversary. This initial amount could grow to $100,000 by the time the baby retires if invested toward retirement savings.*
How will I know if I’m eligible to participate?
The promotion will be open to individuals residing within the 50 states of the United States and the District of Columbia, ages 18 and older and the age of majority (i.e. not legally a minor) in their state of primary residence, and are the parent/legal guardian of a baby born in the 50 U.S. and D.C., between 12:00:00 AM and 11:59:59 PM local time on January 1, 2025 – as demonstated by a US birth certificate.
What if my baby was born in December of 2024? Or after January 1, 2025?
Babies born on January 1, 2025, will be the first members of Generation Beta. To celebrate and give them a head start, Prudential is offering the Beta Baby Bonus to kickstart their retirement savings. This bonus is exclusively for babies born on January 1st.
If I gave birth to multiple children on January 1st, 2025, do all of my babies qualify for the offer? And if so, do I have to make three separate entries?
Yes, if each of your children was born in the U.S. on January 1, 2025, they are all eligible. You can provide the required documentation for each on the submission website – www.betababybonus.com.
Can I submit multiple entries for the same child?
Submissions will be limited to one per child.
I don’t live in the US. Do I still qualify for the offer?
This promotion is exclusively available to babies born in the 50 states of the United States and the District of Columbia. It does not apply to babies born in any US territories, including but not limited to Puerto Rico, Guam, the U.S. Virgin Islands, the Northern Mariana Islands and American Samoa.
I am not a US citizen, but my baby was born in the US and thus is a citizen. Do I qualify for the offer?
The promotion will be open to individuals residing in within the 50 states of the United States or the District of Columbia, ages 18 and older and the age of majority in their state of primary residence, who are the parent/legal guardian of a baby born in the 50 U.S. and D.C., between 12:00:00 AM and 11:59:59 PM local time on January 1, 2025. Baby must be a US citizen with a US birth certificate issues by said state.
How long do I have to apply?
Applications for the Beta Baby Bonus can be submitted until April 30, 2025.
How will I get the money? Do I need to provide my bank account information?
Once you have successfully completed all the requirements for the offer, as outlined in the official rules, you will receive a check for $150 in the mail.
What are some options for investing the $150 Beta Baby Bonus?
There are different options you can consider. For example, a 529 lets you set money aside for your childrens’ education. If they don't use it all, they may be able to put what remains towards their retirement savings. Custodial investment accounts like UTMAs and UGMAs let you invest money for your baby now and give it to them when they're adults. The “Protecting the Next Generation” video on betababybonus.com – which applicants for the bonus must watch as part of the application process – provides more information on financial planning considerations.
ABOUT THE CAMPAIGN
Why is Prudential focused on helping babies save for retirement when there are so many people currently near or at retirement age who don’t have enough money saved?
For generations, Prudential has helped millions prepare for retirement, with many wishing they had started sooner. This campaign highlights the unique financial challenges of future generations and our role in securing their well-being. Prudential’s gesture to babies born on January 1st aims to raise awareness. Experts predict that Generation Beta could live longer than any previous generation, and we want to ensure they enjoy a high-quality life in retirement. With a generation that may not retire until the 2100s, the campaign emphasizes the importance of early saving and investing. Prudential’s new report, “Generation Beta: Redefining Life, Longevity, and Retirement,” and the Beta Baby Bonus campaign underscore our commitment to encouraging every generation to take action.
Why $150? It doesn’t seem like a lot of money.
The $150 ties back to our 150th anniversary, which our company will be celebrating in 2025. However, it is also a way for Prudential to demonstrate the significant impact of saving and investing for retirement as early as possible. Research shows small amounts can make a big impact. $150 today could become $100,000 when they retire.*
I don’t have children. Why would this be relevant to me?
We all have a hand in helping ensure the next generation’s success. Prudential has the products and expertise to help everyone prepare for retirement, no matter what age. Visit Prudential.com/betababies to learn more about how you can protect your family and the next generation. If you don’t already work with a financial professional, our financial advisors are available to help. Visit Prudential.com/betababies to learn more.
How can I learn more about Generation Beta?
On January 1, the world will welcome Generation Beta - a group set to experience a radically different world, defined by unprecedented technological, social, and economic shifts. This generation is also predicted to live longer than those before them. With a generation that may not retire until the 2100s, what exactly might Generation Beta’s world look like? Prudential’s new report “Generation Beta: Redefining Life, Longevity, and Retirement” explores what the future might hold and the impact it may have on their financial future. Visit Prudential.com/betababies to download the study.
What happens after the promotion ends? What else is Prudential doing to support future generations outside of the $150 offer?
Prudential is committed to helping every generation live a better life, longer. Through our public policy work, our partnerships and investments, we seek to expand access to investment, insurance and retirement security for more Americans. We are also invested in providing people with the guidance and education they seek on the realities of longevity and retirement, and providing products that offer flexibility to meet changing and evolving needs. To learn more, prudential.com to download the study.

*These amounts do not reflect actual investments and are provided for illustrative purposes only. They are not intended as investment advice or an investment recommendation. Estimated amounts were calculated using a standard annual compounding interest rate equation of 9.75% annually. Actual results may vary. You should carefully consider a variety of options when determining how much money you will need to save for your retirement. If you need investment advice, please consult with a qualified professional. It is possible to lose money when investing.