Prudential

Prudential

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Why Prudential Life Insurance?

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:

  • Protecting their family or business
  • Accumulating cash value that can be used in many ways
  • Creating a legacy for family members or a charity

Prudential Life Insurance Products

Prudential offers the following types of life insurance products:

  • Term life insurance
  • Universal life insurance
  • Variable life insurance

Prudential Term Life Insurance Products

Term Essential

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:

  • Income Protection
  • Mortgage Protection
  • Loan Collateral

Guaranteed 10-, 15-, 20-, and 30-year level-premium periods.

Convertible to one of our currently sold permanent products:

  • For issue ages 59 and younger, the conversion period ends on whichever comes first:
  • The end of the level-premium paying period, or
  • The 1st policy anniversary on or after the insured's 65th birthday.
  • For issue ages 60 – 75, the conversion period ends on the 5th policy anniversary.

Ability to convert two term policies to one SUL (subject to change).

Term Elite

Smart, cost-effective life insurance protection with a conversion privilege and premium credit.

Works well for:

  • Income Protection
  • Mortgage Protection
  • Key Person

Guaranteed 10-, 15-, 20-, and 30-year level-premium periods.

Premium guaranteed in all years.

Convertible to one of our currently sold permanent products.

  • For issue ages 59 and younger, the conversion period ends on the 1st policy anniversary on or after the insured's 65th birthday.
  • For issue ages 60 – 75, the conversion period ends on the 5th policy anniversary.
  • Ability to convert two term policies to one SUL (subject to change).

Premium credit for conversion during the first five years (non-commissionable).

PruLife® Return of Premium Term

Life insurance that pays your clients back if they outlive their policy.

Works well for:

  • Competitive Equivalent Rate of Return Strategy
  • College Funding Protection
  • Court-Mandated Life Insurance
  • Key Person Business Planning

Guaranteed 15-, 20-, and 30-year level-premium periods.

Premium guaranteed in all years.

Convertible to any permanent product.

  • For issue ages 59 and younger, the conversion period ends on whichever comes first:
  • The end of the level-premium paying period, or
  • The 1st policy anniversary on or after the insured’s 65th birthday
  • For issue ages 60 – 65, the conversion period ends on the 5th policy anniversary.
  • Ability to convert two term policies to one SUL (subject to change).
  • Contractual conversion will be limited to the face amount less the cash value at the time of conversion. Any conversion for less than the full convertible amount will result in the cancellation of the balance of coverage.

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.

PruTerm One

Short-term life insurance coverage that offers death benefit protection for one year at a time.

Works well for:

  • Short-Term Income Protection
  • Short-Term Mortgage Protection
  • Short-Term Business Planning

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:

  • The conversion period ends on the 5th policy anniversary.
  • Ability to convert two term policies to one SUL (Subject to change).

Prudential Universal Life Insurance Products

PruLife Founders Plus UL®

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:

  • An Alternative to Guaranteed Universal Life
  • Wealth Transfer
  • Income Protection
  • Buy/Sell Business Planning
  • Chronic or Terminal Illness Planning

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:

  • The Fixed Account offers traditional fixed-interest crediting that is declared by Prudential with a compelling minimum rate.
  • The Plus 100 Account offers the opportunity to earn index interest based on the performance of the S&P 500 Index, excluding dividends (subject to a participation rate, a current cap, and a floor of 0%).

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.

PruLife Essential UL

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:

  • A GUL Alternative
  • A Cost-Effective Alternative to Whole Life
  • A Way to Protect Income
  • A Strategy for Efficient Wealth Transfer
  • Chronic or Terminal Illness Planning

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).

PruLife Index Advantage UL®

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:

  • Cash Value Accumulation Potential
  • Supplementing Retirement Income
  • Executive Bonus Business Planning
  • Chronic or Terminal Illness Planning

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:

  • The Fixed Account offers traditional fixed interest crediting that is declared by Prudential.
  • Three Indexed Account options offer Index interest potential based on the performance of the S&P 500 Index excluding dividends (based on a 100% participation rate, subject to a current cap floor of 0%), multiplier and/or spread as applicable.

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.

PruLife® Universal Protector

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:

  • Legacy Planning
  • Income Protection
  • Buy/Sell Business Planning
  • Chronic or Terminal Illness Planning

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).

PruLife® SUL Protector

Designed to offer a lifetime of guaranteed coverage for two lives.

Works well for:

  • Trust Planning
  • Wealth Transfer
  • Estate Equalization

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:

  • 2% guaranteed minimum effective annual interest rate.
  • Additional interest may be credited.

Issue age based on the client’s age at their last birthday, NOT nearest.

Death Benefit Options: A (fixed) only.

PruLife® Survivorship Index UL

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:

  • Wealth Transfer
  • Trusts
  • Estate Equalization
  • Chronic or Terminal Illness Widowhood Planning

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.

  • The Fixed Account offers traditional fixed-interest crediting that is declared by Prudential (guaranteed to never be less than 2%).
  • The Indexed Accounts offer interest credits based on the performance of the S&P 500® Index (excluding dividends), using an annual point-to-point calculation method. Each account caters to a client's particular risk tolerance and market outlook. Indexed Accounts Offered include:
  • Indexed Account
  • Index Account with Multiplier
  • Uncapped Index Account
  • The Indexed Accounts also offer clients the option of having a combination of Indexed Interest and Fixed Interest credited to the same Index Segment.
  • Designated Transfer Amount (DTA) feature: The DTA is an amount, chosen by the client, used to create Index segments on a monthly basis. This feature provides clients with the ability to have multiple Index segments tracking against the S&P 500® throughout the year, which can help them diversify market-based interest credits over time.

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).

Prudential Variable Life Insurance Products

VUL Protector®

Up to lifetime protection with value for clients; an easier experience for you with new servicing options.

Works well for:

  • Additional Protection Strategy
  • Wealth Transfer
  • Income Protection
  • Deferred Compensation Plans

View more product details and highlights

PruLife® Custom Premier II

Permanent death benefit protection with a focus on the potential to build cash value, perhaps to supplement income.

Works well for:

  • Supplementing Retirement Income Strategy
  • Deferred Compensation
  • Executive Bonus
  • Split Dollar

Flexible premium, permanent life insurance designed for greater cash value accumulation potential. 20th-year cash value accumulation potential.

Two No-Lapse Guarantee Periods:

  1. Short Term (Ages 0 – 59: 8 years and Ages 60+: 6 years)
  2. Limited (All ages: greater of 10 years or age 75)

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.

PruLife® SVUL Protector

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:

  • Wealth Transfer
  • Trust Planning
  • Estate Equalization
  • Business Planning

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 Life Insurance State Availability

Prudential is available in all states.

New to Senior Market Life Insurance Sales?

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.

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This product may be available in other states not listed. Please contact us to inquire.