Please read the important disclosures at the bottom of the page. These products, and all of their features, benefits and riders, may not be available for sale in your state. Contact a licensed Financial Professional for more information about these and other products.
PruLife® Custom Premier II offers death benefit protection with the potential to accumulate long-term tax-deferred cash value using a variety of investment options. Features include:
- Subject to a minimum premium payment, you have flexibility to structure the amount and timing of your premium payments.
- Based on a specific premium payment pattern, you can choose one of three distinct options to guarantee your death benefit against lapse because of unfavorable investment performance.
- You may choose between a fixed, variable or return of premium death benefit option. Under the variable death benefit option, your death benefit will increase (or decrease) in relation to your cash value. The return of premium death benefit option returns all of the premiums you paid into your policy to your beneficiaries upon death.
- You can choose to reduce your death benefit later in life, should you no longer need the full amount of protection.
- You may invest your premiums, less expenses, among a variety of investment options including a money market fund and fixed-rate option.
- If your cash value has grown sufficiently, you have the ability to withdraw and/or borrow money from your policy in a tax advantaged manner.
- If you cancel your policy within the first 10 years, surrender charges will apply.
- You can manage your policy using the following fund manager features:
- Up to 12 free transfers among investment options per year (transfers from the fixed-rate option are limited)
- Allocated charges
- Automatic rebalancing
- Dollar cost averaging
- Get a quote
- Get a Prospectus
- Get Variable Life Insurance Performance History
VUL ProtectorSM offers the opportunity to guarantee your death benefit , regardless of market conditions, with the potential to accumulate long-term tax-deferred cash value using a selection of asset-allocated portfolios. Features include:
- Subject to a minimum premium payment, you have the flexibility to structure the amount and timing of your premium payments.
- Based on a specific premium payment pattern, you can guarantee your death benefit for life, regardless of market conditions.
- You choose between a fixed or variable death benefit option. Under the variable death benefit option, your death benefit will increase (or decrease) in relation to your cash value.
- You can choose to reduce your death benefit later in life, should you no longer need the full amount of protection.
- You may invest your premiums, less expenses, among a variety of investment options including a money market fund and fixed-rate option.
- If your cash value has grown sufficiently, you have the ability to withdraw and/or borrow money from your policy in a tax advantaged manner.
- A persistency credit is added to the cash value of your policy, beginning in year 13, for being a loyal customer. If you cancel your policy within the first 10 years, surrender charges will apply.
- You can manage your policy using the following fund management features:
- Up to 12 free transfers among investment options per year (transfers from the fixed-rate option are limited)
- Allocated charges
- Automatic rebalancing
- Dollar cost averaging
- Get a quote
- Get a Prospectus
- Get Variable Life Insurance Performance History
The issuing company may have the right to contest the policy for misrepresentation or to apply a suicide clause within the first two years of the policy.
Dollar cost averaging does not guarantee a profit nor remove the risk of a loss in a declining market. Such a plan involves a continuous investment in securities regardless of fluctuating price levels of such securities. Please consider your financial ability to continue participating in such a plan during periods of low price levels.
Asset Allocation won't guarantee a profit or ensure against a loss, but may help reduce volatility in your portfolio. Diversification cannot eliminate the risk of investment losses.
You should consider the VUL ProtectorSM and PruLife® Custom Premier II policies and the underlying funds' investment objectives, risks, charges, and expenses carefully before investing. Both the policy prospectus and the underlying funds' prospectuses contain this and other important information. You can view/download the prospectuses from this site. You should read them carefully before purchasing a contract.
It is possible to lose money by investing in securities.
PruLife® Custom Premier II variable universal life is issued by Pruco Life Insurance Company in all states except New Jersey and New York, where it is issued by Pruco Life Insurance Company of New Jersey, both located at 213 Washington Street, Newark, NJ 07102, and are distributed by Pruco Securities LLC (member SIPC), 751 Broad Street, Newark, NJ 07102. Policy form number is VUL-2005.
VUL ProtectorSM is issued by Pruco Life Insurance Company in all states except New York, located at 213 Washington Street, Newark, NJ 07102, and is distributed by Pruco Securities LLC (member SIPC), 751 Broad Street, Newark, NJ 07102. Policy form number is VULNT-2009. The California Certificate of Authority is #3637.
All are Prudential Financial companies that are solely responsible for their own financial condition and contractual obligations. All guarantees are based on the claims-paying ability of the issuer and do not apply to the underlying investment options. Unpaid loans and withdrawals cause a reduction in cash values and death benefits, may negate or reduce the duration of the guarantee against lapse, may have tax consequences, and may lapse the policy.
Our policies contain exclusions, limitations, reductions in benefits and terms for keeping them in force. A licensed financial professional can provide you with costs and complete details.
Pruco Life Insurance Company - NAIC 79227; Pruco Life Insurance Company of New Jersey - NAIC 97195
Prudential, Prudential Financial, the Rock logo, and the Rock Prudential logo are registered service marks of The Prudential Insurance Company of America and its affiliates.
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0153292-00003-00 Ed 09/2009
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