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, VUL Protector (CA) pdf and VUL Protector (non-CA) pdf policies are available with the BenefitAccess Rider included (at an additional cost).
Get the facts
The BenefitAccess Rider is an optional rider for chronic or terminal Illness that accelerates the life insurance death benefit. It is not Long-Term Care (LTC) insurance. Benefits received under the rider will reduce and may deplete the death benefit. Electing the BenefitAccess Rider results in an additional charge and underwriting requirements. Some benefit payments may be subject to a fee. Other terms and conditions apply. Clients should consult their tax and legal advisors.
For New York contracts. Please also note the rider is not subject to the minimum requirements of New York Law, does not qualify for the New York State Long-Term Partnership Program and is not a Medicare supplement policy. In addition, receiving accelerated death benefits may affect clients' eligibility for public assistance programs and such benefits may be taxable.
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.
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.
Your clients should consider the investment objectives, risks, and charges and expenses carefully before investing in the contract and/or underlying portfolios. The prospectus and, if available, the summary prospectus, contains this information as well as other important information. A copy of the prospectus(es) may be obtained by contacting your Prudential Life Wholesaler or from prudential.com. Your clients should read the prospectus(es) carefully before investing.
It is possible to lose money by investing in securities.
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.