Advisors - Life Insurance

Actions

Web Content Viewer

Actions

Web Content Viewer

Actions

Web Content Viewer

Actions

Universal Life Insurance

Universal life (UL) insurance can help meet the needs of clients who want long-term, or even permanent, life insurance protection. Our three single life UL policies provide valuable death benefit protection. Each has its own no-lapse guarantee and way of potentially building cash value.

We also offer two types of survivorship universal life insurance policies. Also known as “second-to-die” life insurance, these policies protect the lives of two people under one policy. The beneficiary receives benefits after both insureds have died.

Web Content Viewer

Actions

PruLife Founders Plus UL®

Designed to provide cost-effective death benefit protection that can be guaranteed to the insured’s late 80s and beyond in many common premium paying scenarios. Its cash value growth potential is based on either an indexed crediting option, a fixed crediting option, or a combination of both.

Works well for:

  • An Alternative to Guaranteed Universal Life
  • Wealth Transfer
  • Income Protection
  • Buy/Sell Business Planning
  • Chronic or Terminal Illness Planning

Flexible premium, permanent life insurance with a focus on death benefit protection with the added flexibility of cash value accumulation potential and access.
Cash value is accessed through loans and withdrawals. Outstanding loans and withdrawals will reduce policy cash values and the death benefit and may have tax consequences.

Cash value accumulation potential with downside protection is based on a choice between three account options or a combination of each—the Fixed Account Option, the Goldman Sachs Voyager Indexed Account, and the S&P 500® Indexed Account:

  • The Goldman Sachs Voyager Indexed Account. A Prudential exclusive, it offers clients the potential to grow policy cash value with consistent returns and cash value growth potential; it’s linked to the performance of the Goldman Sachs Voyager Index. It seeks to create a smoother ride through times of market volatility. (It’s not a direct investment in the Goldman Sachs Voyager Index.)
  • The S&P 500® Indexed Account. Offers the potential for cash value growth because it is linked to the performance of the S&P 500® Index, excluding dividends. Clients may consider this option if they want cash value growth potential and are comfortable with increased risk. (It is not a direct investment in the S&P 500® Index.)
  • The Fixed Account offers traditional fixed-interest crediting that is declared by Prudential with a compelling minimum rate.

Adjustable No-Lapse Guarantee period up to lifetime.

Issue age based on client’s age at their last birthday, NOT nearest.

Death Benefit Options: A (fixed), B (variable), and C (return of premium).

Product features may vary by state.

Web Content Viewer

Actions

PruLife Essential ULSM

Designed to provide cost-effective death benefit protection that can be guaranteed to the insured’s late 80s and beyond in many common premium paying scenarios. Its steady cash value growth is not tied to the market.

Works well for:

  • A GUL Alternative
  • A Cost-Effective Alternative to Whole Life
  • A Way to Protect Income
  • A Strategy for Efficient Wealth Transfer
  • Chronic or Terminal Illness Planning

Focus on death benefit protection that offers cash value accumulation potential and living benefits.

This product offers daily fixed interest crediting that is declared by Prudential with a compelling minimum rate guarantee.

Adjustable no-lapse guarantee period up to lifetime. Less than lifetime when illustrating on a current (non-guaranteed) basis.

Issue age based on the client's age at his or her last birthday, not the nearest.

Death benefit options: A (fixed), B (variable), and C (return of premium).

Web Content Viewer

Actions

PruLife Index Advantage UL®

Provides a death benefit that can be guaranteed for up to 20 years. It has potential to build cash value through fixed and indexed interest options.

Works well for:

  • Cash Value Accumulation Potential
  • Supplementing Retirement Income
  • Executive Bonus Business Planning
  • Chronic or Terminal Illness Planning

Flexible premium, permanent life insurance that offers death benefit protection and is designed for cash value accumulation potential.

Simple design with responsible features.

Cash value accumulation potential with downside protection through four distinct account options:

  • The Fixed Account offers traditional fixed interest crediting that is declared by Prudential.
  • Three Indexed Account options offer Index interest potential based on the performance of the S&P 500 Index excluding dividends (based on a 100% participation rate, subject to a current cap floor of 0%), multiplier and/or spread as applicable.

Limited No-Lapse Guarantee protects the policy from lapse during key accumulation years (earlier of 20 years or age 70, but at least 10 years).

Issue age based on your client’s age at their last birthday, NOT nearest.

Death Benefit Options: A (fixed) and B (variable) only.

Web Content Viewer

Actions

PruLife® SUL Protector

Designed to offer a lifetime of guaranteed coverage for two lives.

Works well for:

  • Trust Planning
  • Wealth Transfer
  • Estate Equalization

Flexible premium, permanent life insurance with a focus on death benefit protection covering two lives with the death benefit paid upon the death of the second insured.

The product makes use of two lapse protection features, a premium-based Limited No-Lapse Guarantee during the first five years of the policy before switching to the shadow account guarantee.

Interest Crediting Rate:

  • 2% guaranteed minimum effective annual interest rate.
  • Additional interest may be credited.

Issue age based on the client’s age at their last birthday, NOT nearest.

Death Benefit Options: A (fixed) only.

Web Content Viewer

Actions

PruLife® Survivorship Index UL

Provides a cost-effective death benefit for two lives that offers meaningful guarantees, often to age 95+. Cash value growth potential is based on fixed or index interest options.

Works well for:

  • Wealth Transfer
  • Trusts
  • Estate Equalization
  • Chronic or Terminal Illness Widowhood Planning

Flexible premium, permanent life insurance with a focus on death benefit protection covering two lives with solid no-lapse guarantees (90+) and the flexibility of cash value accumulation potential and access.

Cash value accumulation potential with downside protection, based on a choice of three indexed accounts or a traditional fixed account.

  • The Fixed Account offers traditional fixed-interest crediting that is declared by Prudential (guaranteed to never be less than 2%).
  • The Indexed Accounts offer interest credits based on the performance of the S&P 500® Index (excluding dividends), using an annual point-to-point calculation method. Each account caters to a client's particular risk tolerance and market outlook. Indexed Accounts Offered include:
    • Indexed Account
    • Index Account with Multiplier
    • Uncapped Index Account
    The Indexed Accounts also offer clients the option of having a combination of Indexed Interest and Fixed Interest credited to the same Index Segment.
  • Designated Transfer Amount (DTA) feature: The DTA is an amount, chosen by the client, used to create Index segments on a monthly basis. This feature provides clients with the ability to have multiple Index segments tracking against the S&P 500® throughout the year, which can help them diversify market-based interest credits over time.

Adjustable No-Lapse Guarantee period based on the number, amount, and timing of premium payments.

Issue age based on your client’s age at their last birthday, NOT nearest.

Death Benefit Options: A (fixed), B (variable), and C (return of premium).

Web Content Viewer

Actions

Term Life Insurance

Budget-friendly, temporary protection with conversion privileges. Prudential offers three different term life insurance policies.

Variable Life Insurance

Lifetime insurance protection that also offers growth and income potential. Prudential has three variable products designed to meet clients’ wide-ranging needs.

Web Content Viewer

Actions

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 clients meet their protection needs.

Visit PruXpress Secured link opens in a new window

New User? Register Now

Web Content Viewer

Actions

Footnotes

The fixed indexed universal life product is not sponsored, endorsed, sold, guaranteed, underwritten, distributed or promoted by Goldman Sachs & Co. or any of its affiliates (including Goldman Sachs Asset Management, L.P.), with the exception of any endorsement, sales, distribution, or promotion of this product that may occur through its affiliates that are licensed insurance agencies (excluding such affiliates, individually and collectively, “Goldman Sachs”) or its third party data providers. Goldman Sachs and its third party data providers make no representation or warranty, express or implied, regarding the advisability of purchasing life insurance products generally or the fixed indexed universal life product or selecting the reference indexes available through the fixed indexed universal life product particularly, the ability of the Goldman Sachs Voyager Index to perform as intended, the merit (if any) of obtaining exposure to the Goldman Sachs Voyager Index or the suitability of purchasing or owning the fixed index universal life product. Goldman Sachs and its third party data providers do not have any obligation to take the needs of the owners of the fixed indexed universal life product into consideration in determining, composing, or calculating the Goldman Sachs Voyager Index.

GOLDMAN SACHS DOES NOT GUARANTEE THE ADEQUACY, TIMELINESS, ACCURACY, AND/OR COMPLETENESS OF GOLDMAN SACHS VOYAGER INDEX OR OF THE METHODOLOGY UNDERLYING THE INDEX, THE CALCULATION OF THE INDEX, OR ANY DATA SUPPLIED BY IT FOR USE IN CONNECTION WITH THE FIXED INDEXED UNIVERSAL LIFE PRODUCT. GOLDMAN SACHS HEREBY EXPRESSLY DISCLAIMS ANY AND ALL LIABILITY FOR ANY ERRORS, OMISSIONS, OR INTERRUPTIONS THEREIN OR IN THE CALCULATION THEREOF. GOLDMAN SACHS EXPRESSLY DISCLAIMS ALL LIABILITY FOR ANY SPECIAL, PUNITIVE, INDIRECT, OR CONSEQUENTIAL DAMAGE EVEN IF NOTIFIED OF THE POSSIBILITY OF SUCH DAMAGES. 

THIRD PARTY DATA IS USED UNDER LICENSE AS A SOURCE OF INFORMATION FOR GOLDMAN SACHS VOYAGER INDEX. THIRD PARTY PROVIDER HAS NO OTHER CONNECTION TO GOLDMAN SACHS INDEXES AND SERVICES AND DOES NOT SPONSOR, ENDORSE, RECOMMEND, OR PROMOTE ANY GOLDMAN SACHS INDEX OR SERVICES. THIRD PARTY PROVIDER HAS NO OBLIGATION OR LIABILITY IN CONNECTION WITH THE GOLDMAN SACHS INDEX AND SERVICES. THIRD PARTY PROVIDER DOES NOT GUARANTEE THE ACCURACY AND/OR THE COMPLETENESS OF ANY MARKET DATA LICENSED TO GOLDMAN SACHS AND SHALL NOT HAVE ANY LIABILITY FOR ANY ERRORS, OMISSIONS, OR INTERRUPTIONS THEREIN. THERE ARE NO THIRD PARTY BENEFICIARIES OF ANY AGREEMENTS OR ARRANGEMENTS BETWEEN THIRD PARTY PROVIDER AND GOLDMAN SACHS.

There is no guarantee that the Index will not underperform some or all of the underlying assets. In particular, the Index may have a significant weight in one of those assets at the time of a sudden drop, or no exposure to one of those underlyings at a time it has a strong performance, or a significant weight to the cash component. Different indices with a different set of underlying assets may significantly outperform the selected Index. The Index is not actively managed and Goldman Sachs does not exercise discretion in constructing, calculating, or executing the strategy. For further information and disclosure about the strategy, including relevant risk factors, please refer to the related transaction documentation. This Index was launched on June 7, 2019.

The S&P 500® Index is a product of S&P Dow Jones Indices LLC (“SPDJI”); it has been licensed for use by The Prudential Insurance Company of America for itself and affiliates including Pruco Life Insurance Company and Pruco Life Insurance Company of New Jersey (collectively “Pruco Life”). Standard & Poor’s®, S&P®, and S&P 500® are registered trademarks of Standard & Poor’s Financial Services LLC (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Pruco Life. Pruco Life’s products are not sponsored, endorsed, sold, or promoted by SPDJI, Dow Jones, S&P, or their respective affiliates; and none of such parties make any representation regarding the advisability of purchasing such product(s) nor do they have any liability for any errors, omissions, or interruptions of the S&P 500® Index. S&P 500® Index values are exclusive of dividends.

Guarantees referenced are conditional guarantees that can keep the contract in effect even if contract values are not sufficient to do so. If exercised, certain policy rights can shorten or end these guarantees.

​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 insurance company.

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

For Compliance Use Only: 1001727-00006-00  Ed. 04/2021