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Term Life Insurance
Term life insurance can help meet the temporary protection needs of your clients while providing them with flexibility to convert some or all of their coverage to a permanent policy should their needs change over time.
Prudential offers four different term life insurance policies, each with its own features and benefits. In addition, each term product is fully convertible to any of our permanent single life products. We even currently allow all of our term products to be converted to a survivorship (SUL) product.
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Advisors - Life Insurance
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Term Essential
Term Essential
Our most cost-effective term product, offering your clients death benefit protection with the ability to convert to a permanent product.
Works well for:
- Income Protection
- Mortgage Protection
- Loan Collateral
Design Highlights
Guaranteed 10-, 15-, 20-, and 30-year level-premium periods.
Convertible to one of our currently sold permanent products:
- For issue ages 59 and younger, the conversion period ends on whichever comes first:
- The end of the level-premium paying period, or
- The 1st policy anniversary on or after the insured's 65th birthday.
- For issue ages 60 – 75, the conversion period ends on the 5th policy anniversary.
Ability to convert two term policies to one SUL (subject to change).
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Term Elite
Term Elite
Smart, cost-effective life insurance protection with a conversion privilege and premium credit.
Works well for:
- Income Protection
- Mortgage Protection
- Key Person
Design Highlights
Guaranteed 10-, 15-, 20-, and 30-year level-premium periods.
Premium guaranteed in all years.
Convertible to one of our currently sold permanent products.
- For issue ages 59 and younger, the conversion period ends on the 1st policy anniversary on or after the insured's 65th birthday.
- For issue ages 60 – 75, the conversion period ends on the 5th policy anniversary.
- Ability to convert two term policies to one SUL (subject to change).
Premium credit for conversion during the first five years (non-commissionable).
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PruLife® Return of Premium Term
PruLife® Return of Premium Term
Life insurance that pays your clients back if they outlive their policy.
Works well for:
- Competitive Equivalent Rate of Return Strategy
- College Funding Protection
- Court-Mandated Life Insurance
- Key Person Business Planning
Design Highlights
Guaranteed 15-, 20-, and 30-year level-premium periods.
Premium guaranteed in all years.
Convertible to any permanent product.
- For issue ages 59 and younger, the conversion period ends on whichever comes first:
- The end of the level-premium paying period, or
- The 1st policy anniversary on or after the insured’s 65th birthday
- For issue ages 60 – 65, the conversion period ends on the 5th policy anniversary.
- Ability to convert two term policies to one SUL (subject to change).
- Contractual conversion will be limited to the face amount less the cash value at the time of conversion. Any conversion for less than the full convertible amount will result in the cancellation of the balance of coverage.
Rider to Provide an Intermediate Endowment Benefit returns all premiums paid, less any contract debt, if all premiums have been paid and the insured is still alive at the end of the level-premium paying period. All premiums will not be returned if the policy was surrendered before the end of the level-premium period.
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PruTerm One
PruTerm One
Short-term life insurance coverage that offers death benefit protection for one year at a time.
Works well for:
- Short-Term Income Protection
- Short-Term Mortgage Protection
- Short-Term Business Planning
Design Highlights
Annual renewable term insurance.
Premiums guaranteed for one year. After 1st year, premiums increase annually and are not guaranteed.
Annual premium payment mode only.
Convertible to any permanent product:
- The conversion period ends on the 5th policy anniversary.
- Ability to convert two term policies to one SUL (Subject to change).
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Universal Life Insurance
Universal Life Insurance
Long-term or even permanent life insurance coverage. Prudential's UL policies offer death benefit protection, no-lapse guarantees, and the potential to build cash value.
Variable Life Insurance
Variable Life Insurance
Lifetime insurance protection that also offers growth and income potential. Prudential has three variable products designed to meet your clients' wide-ranging needs.
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Life Insurance Sales Desk
Life Insurance Sales Desk
Call Us: 844-458-9006
Email Us: lifesalesdesk@prudential.com
If you’re already appointed with Prudential, visit PruXpress to learn more about how life insurance can help your clients meet their protection needs.
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Footnote
Created Exclusively for Financial Professionals. Not for Use with Consumers.
For Compliance Use Only: 1000601-00002-00 Ed. 5/2019