Prudential Financial

Variable Life Insurance

Variable life insurance offers a choice of death benefit options and a potential to accumulate non-guaranteed tax-deferred cash value that fluctuates based on the performance of the underlying investment options that you choose.

PruLife® Custom Premier II is a convenient way for those who prefer to manage their policy to combine permanent life insurance protection with flexible features and the ability to potentially accumulate non-guaranteed tax-deferred cash value. Features include:
  • Protection you can guarantee for life or shorter periods
  • Choices in how and when you make your premium payments and how much to pay
  • Three death benefit options for additional flexibility
  • Control over how your net premiums are invested-choose from a wide range of investment options from qualified fund managers
  • Tools to manage your investment options, including:
    • The ability to make up to 12 free transfers among investment options each year (not including the fixed-rate option)
    • Allocated charges
    • Auto-rebalancing
    • Dollar cost averaging
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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. An investor should consider his/her financial ability to continue participating in such a plan during periods of low levels.