Prudential’s life insurance portfolio offers a wide variety of policies that make it easier to find the right solutions to meet the needs of your clients.
No matter what their life stage – whether they are facing challenges or pursuing opportunities – Prudential's policies can help your clients in a number of ways, including:
Prudential offers the following types of life insurance products:
Prudential's most cost-effective term product, offering your clients death benefit protection with the ability to convert to a permanent product.
Works well for:
Guaranteed 10-, 15-, 20-, and 30-year level-premium periods.
Convertible to one of our currently sold permanent products:
Ability to convert two term policies to one SUL (subject to change).
Smart, cost-effective life insurance protection with a conversion privilege and premium credit.
Works well for:
Guaranteed 10-, 15-, 20-, and 30-year level-premium periods.
Premium guaranteed in all years.
Convertible to one of our currently sold permanent products.
Premium credit for conversion during the first five years (non-commissionable).
Life insurance that pays your clients back if they outlive their policy.
Works well for:
Guaranteed 15-, 20-, and 30-year level-premium periods.
Premium guaranteed in all years.
Convertible to any permanent product.
Rider to Provide an Intermediate Endowment Benefit returns all premiums paid, less any contract debt, if all premiums have been paid and the insured is still alive at the end of the level-premium paying period. All premiums will not be returned if the policy was surrendered before the end of the level-premium period.
Short-term life insurance coverage that offers death benefit protection for one year at a time.
Works well for:
Annual renewable term insurance.
Premiums guaranteed for one year. After 1st year, premiums increase annually and are not guaranteed.
Annual premium payment mode only.
Convertible to any permanent product:
Designed to provide cost-effective death benefit protection that can be guaranteed to the insured's late 80s and beyond in many common premium paying scenarios. Its cash value growth potential is based on either an indexed crediting option, a fixed crediting option, or a combination of both.
Works well for:
Flexible premium, permanent life insurance with a focus on death benefit protection with the added flexibility of cash value accumulation potential and access.
Cash value is accessed through loans and withdrawals. Outstanding loans and withdrawals will reduce policy cash values and the death benefit and may have tax consequences.
Cash value accumulation potential with downside protection is based on a choice between two account options or a combination of both—the Fixed Account, and the Plus 100 Account:
Adjustable No-Lapse Guarantee period up to lifetime.
Issue age based on your client’s age at their last birthday, NOT nearest.
Death Benefit Options: A (fixed), B (variable), and C (return of premium).
Product features may vary by state.
Designed to provide cost-effective death benefit protection that can be guaranteed to the insured's late 80s and beyond in many common premium paying scenarios. Its steady cash value growth is not tied to the market.
Works well for:
Focus on death benefit protection that offers cash value accumulation potential and living benefits.
This product offers daily fixed interest crediting that is declared by Prudential with a compelling minimum rate guarantee.
Adjustable no-lapse guarantee period up to lifetime. Less than lifetime when illustrating on a current (non-guaranteed) basis.
Issue age based on the client's age at his or her last birthday, not the nearest.
Death benefit options: A (fixed), B (variable), and C (return of premium).
Provides a death benefit that can be guaranteed for up to 20 years. It has potential to build cash value through fixed and indexed interest options.
Works well for:
Flexible premium, permanent life insurance that offers death benefit protection and is designed for cash value accumulation potential.
Simple design with responsible features.
Cash value accumulation potential with downside protection through four distinct account options:
Limited No-Lapse Guarantee protects the policy from lapse during key accumulation years (earlier of 20 years or age 70, but at least 10 years).
Issue age based on your client’s age at their last birthday, NOT nearest.
Death Benefit Options: A (fixed) and B (variable) only.
Now offering one of the most competitive premiums in the industry!
Designed with a no-lapse guarantee that can ensure coverage for life.
Works well for:
Flexible premium, permanent life insurance with a focus on death benefit protection and long-term, up-to-lifetime, No-Lapse Guarantees.
Adjustable No-Lapse Guarantee period up to lifetime.
Issue age based on the client’s age at their last birthday, NOT nearest.
Death Benefit Options: A (fixed).
Designed to offer a lifetime of guaranteed coverage for two lives.
Works well for:
Flexible premium, permanent life insurance with a focus on death benefit protection covering two lives with the death benefit paid upon the death of the second insured.
The product makes use of two lapse protection features, a premium-based Limited No-Lapse Guarantee during the first five years of the policy before switching to the shadow account guarantee.
Interest Crediting Rate:
Issue age based on the client’s age at their last birthday, NOT nearest.
Death Benefit Options: A (fixed) only.
Provides a cost-effective death benefit for two lives that offers meaningful guarantees, often to age 95+. Cash value growth potential is based on fixed or index interest options.
Works well for:
Flexible premium, permanent life insurance with a focus on death benefit protection covering two lives with solid no-lapse guarantees (90+) and the flexibility of cash value accumulation potential and access.
Cash value accumulation potential with downside protection, based on a choice of three indexed accounts or a traditional fixed account.
Adjustable No-Lapse Guarantee period based on the number, amount, and timing of premium payments.
Issue age based on your client’s age at their last birthday, NOT nearest.
Death Benefit Options: A (fixed), B (variable), and C (return of premium).
Up to lifetime protection with value for clients; an easier experience for you with new servicing options.
Works well for:
View more product details and highlights
Permanent death benefit protection with a focus on the potential to build cash value, perhaps to supplement income.
Works well for:
Flexible premium, permanent life insurance designed for greater cash value accumulation potential. 20th-year cash value accumulation potential.
Two No-Lapse Guarantee Periods:
Designed to provide early protection from lapse while the policy is just starting out and may not have sufficient value to withstand market volatility.
Over 50 underlying investment options covering a broad range of asset classes and styles from well-known fund companies.
Age Last Birthday Advantage Available: Issue age based on a client’s age at their last birthday NOT nearest.
A survivorship policy designed to meet the estate and wealth transfer needs of clients in a cost-effective way, with cash value growth potential and an adjustable guarantee.
Works well for:
Cost-effective, permanent life insurance that has the potential to provide cash value accumulation and access.
Adjustable No-Lapse Guarantee (based on factors including the number, amount, and timing of premium payments).
Over 50 underlying investment options covering a broad range of asset classes and styles from well-known fund companies.
Prudential is available in all states.
Life insurance sales don't have to be overwhelming! In fact, we do everything we can to make it easy here at New Horizons.
Check out the Quick Training Guide available as part of the Life Insurance Marketing Kit:
In addition, a great place to start is our Ultimate Guide to Selling Life Insurance in the Senior Market.
