There are a wide range of conditions that may cause someone to become chronically ill. Some examples include Alzheimer's disease, stroke or chronic heart and lung diseases. Or clients may be terminally ill, for example, in the final stages of cancer. This rider is not Long-Term Care (LTC) insurance and it is not intended to replace LTC.
PROTECTION FOR LIFE.
QUALITY OF LIFE.
Show your clients how life insurance can provide death benefit protection
and ease the burden if they become chronically or terminally ill.
With people living longer, many of your clients are thinking about both protecting their family and protecting their own quality of life as they age. This challenge is making risk protection a more critical part of the financial planning picture.
More than ever, your clients should be considering:
- Will a chronic illness or death create a burden on my family?
- Will I have enough income to maintain my lifestyle?
- Will I be able to afford the kind of care and help I want?
This is where you come in. You can drive this important conversation. And we’re creating new solutions to help.
Now, permanent life insurance with the BenefitAccess Rider can provide death benefit protection, and financial flexibility when your clients need it most.
MEANS MORE CHOICE
death benefit if they’re certified as having a chronic or terminal illness.
be used for any reason, whether
it's related to care or not.
skilled care provider or even
a family member.
receipts or bills to submit.
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Download Sales Materials
PruLife® Founders Plus UL (CA) pdf, PruLife® Founders Plus UL (non-CA) pdf, PruLife® Universal Protector pdf, PruLife® Custom Premier II pdf, PruLife® Index Advantage UL pdf and VUL Protector pdf policies are available with the BenefitAccess Rider included (at an additional cost).
Get the facts
*See below for terms and conditions.
The BenefitAccess Rider is available for an extra premium. Additional underwriting requirements and limits may also apply.
Benefits paid under the BenefitAccess Rider are intended to be treated for federal tax purposes as accelerated life insurance death benefits under IRC §101(g)(1)(b). Tax laws related to the receipt of accelerated death benefits are complex and benefits may be taxable in certain circumstances. Receipt of benefits may affect eligibility for public assistance programs such as Medicaid. Accelerated benefits paid under the terms of the Terminal Illness portion of the rider are subject to a $150 processing fee ($100 in Florida). Clients should consult tax and legal advisors prior to initiating any claim.
Terms and conditions may apply. The rider may not cover all of the costs associated with chronic or terminal illness. The rider is a life insurance accelerated death benefit product, is generally not subject to health insurance requirements, and may not be available in all states.
Accelerating the death benefit will reduce the death benefit on a dollar-for-dollar basis. Full acceleration will eliminate the death benefit and the policy will terminate.
PruLife Founders Plus UL, PruLife Universal Protector, PruLife Custom Premier II, PruLife Index Advantage UL and VUL Protector are issued by Pruco Life Insurance Company except in New York, where they are issued by Pruco Life Insurance Company of New Jersey. VUL Protector and PruLife Custom Premier II are offered through Pruco Securities LLC (member SIPC). All are Prudential Financial companies located in Newark, NJ.
All guarantees and benefits of the insurance policy are backed by the claims-paying ability of the issuing insurance company. Policy guarantees and benefits are not backed by the broker/dealer and/or insurance agency selling the policy, nor by any of their affiliates, and none of them makes any representations or guarantees regarding the claims-paying ability of the issuing company.