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Preparing for the Risk of Chronic Illness

What matters most to your clients is protecting their family. A close second... managing potential healthcare expenses that seem to rise by the day. Life insurance can help them with both.

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Understand which of your clients are at risk.

Insights into people more likely to be impacted by a chronic illness.

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Families with a History of Chronic Illness

Mark, 60, and Bridgette, 58 have the perfect retirement on their minds. Traveling. Visiting grandkids. Exploring new hobbies. But there’s also a concern lingering in the back of their minds, since both of them have family members who have suffered from chronic illnesses.

Right now, their retirement’s right on track. But they want to make sure the costs of a potential chronic illness won’t drain their savings, or prevent them from maintaining their quality of life as they get older.

THIS IS WHERE YOU COME IN.

157 million U.S. residents will have one chronic condition or more by 2020.

Small Business Owners

Meet Jen. She’s 50 years old and has owned a clothing boutique for the past 20 years. She has two concerns that are top of mind: Having enough income to retire in the next 15 years, and in the meantime, making sure her business and her income are protected if she were to become chronically ill.

Jen still has big ideas for her shop. She also needs to plan for a long retirement after she stops working. And a business owner, she knows how important it is to prepare for anything.

THIS IS WHERE YOU COME IN.

70% of small-business owners' wealth is invested in their business.

Meet Jen. She’s 50 years old and has owned a clothing boutique for the past 20 years. She has two concerns that are top of mind: Having enough income to retire in the next 15 years, and in the meantime, making sure her business and her income are protected if she were to become chronically ill.

Jen still has big ideas for her shop. She also needs to plan for a long retirement after she stops working. And a business owner, she knows how important it is to prepare for anything.

THIS IS WHERE YOU COME IN.

70%of small-business owners' wealth is invested in their business.

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Life insurance that can do more.

A permanent policy featuring the BenefitAccess Rider.

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Life Insurance with the BenefitAccess Rider

When your clients add the BenefitAccess Rider to one of our permanent policies, they get the death benefit protection they need plus more freedom, choice and control if they’re ever faced with a chronic or terminal illness.

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Tools to help you start the conversation

Prepare yourself and your clients.

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The 5 Ws of Chronic Care

Major trends in chronic illness care for people age 65 and older

What Will Happen to Me? 6 Discussion Points

Some helpful way to start a conversation with your clients

A New Perspective on Life Insurance

Insights and interactive content designed to help clients plan smarter

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Foot Note

PruLife® Founders Plus UL, PruLife® Index Advantage UL, PruLife® Universal Protector, VUL Protector, and PruLIfe® Custom Premier II 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.

The BenefitAccess Rider is an optional rider for chronic or terminal illness that accelerates the life insurance death benefit when the insured is terminally ill or is chronically ill and otherwise meets the terms of the rider. It is not long Long-Term Care (LTC) insurance. Benefits received under the rider will reduce and may deplete the death benefit. Electing the BenefitAccess Riders results in an additional charge and underwriting requirements. Some benefit payments may be subject to a fee. Other terms and conditions apply and can vary by state. 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. Benefit payments may be made only if the payments are subject to favorable federal tax treatment. When determining whether the benefit payments will receive favorable tax treatment, the payment of benefits from all insurance policies must be considered. Benefit payments may be reduced or unavailable if they are expected to exceed the maximum amount eligible under Internal Revenue Code Section 101(g)(1) and all other applicable sections of federal law.

For most Connecticut contracts: To be eligible for chronic illness benefits, your client must also have been confined in a home or institution for at least 6 months previously. This confinement must have been illness related. It also must be expected to continue for life.

Your clients should consider the investment objectives, risk, 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 carefully before investing.

It is possible to lose money by investing in securities.

Created Exclusively for Financial Professionals. Not for Use with Consumers.

For Compliance Use Only: 0289471-00006-00 Ed. 02/2018

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Advisors - Life Insurance

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