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VUL Protector® Growth Potential for Clients, Protection for Their Families.

For clients whose focus is protection and who can take on moderate risk, VUL Protector is a competitively priced variable universal life insurance option. It offers a guarantee up to lifetime and the potential to accumulate cash value. Clients can choose from an array of underlying investment options and optional riders that allow them to tap into their policy if they get sick.


Discover more about VUL Protector.

Advisors - Life Insurance

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To learn more, call us at 844-458-9006 or visit PruXpress. Sign in     Secured link opens in a new window


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Lifetime protection with growth opportunity for clients and better servicing options for you.

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Protection

A no-lapse guarantee up to lifetime, cash value growth potential, and optional benefits to help clients during a chronic illness while living.

Growth Opportunity

Choice of over 60 underlying investment options managed by an experienced team that does the research and due diligence for you.

Better Experience

Options to accelerate the underwriting process and monitor in-force policies.

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Client Profile Who is it right for?

VUL Protector might be a good fit for clients who:

  • Are seeking cost-effective death benefit protection while still pursuing cash value accumulation.
  • Believe that equities will perform well in the long term and are willing to assume market-based risk.
  • Want guarantees that often last as long as life expectancy.

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VUL Protector: Value and Versatility

The security of death benefit protection with the potential to grow cash value, now with:

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Value

More competitive pricing, even longer guarantees for both current assumption and guarantee scenarios, and Age Last Birthday pricing.

Lifetime Guarantee

Clients can dial up the no-lapse guarantee for lifetime protection.* Or they can choose a shorter duration.
* Based on meeting premium requirements.

Cash Value Potential

Cash value accumulation potential gives clients flexibility and the ability to grow their death benefit.

Chronic or Terminal Illness

Clients can accelerate the death benefit through the BenefitAccess Rider (BAR)1 if they become chronically or terminally ill, even if they’re expected to recover. No receipts required.*
* This benefit varies by state.

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Asset Management Expertise at Your Fingertips

Our Strategic Investment Research Group (SIRG) takes care of the due diligence and risk oversight for the underlying investment options so you don’t have to. The result is a high-quality investment menu with no restrictions.

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As of December 31, 2017. Source: Strategic Investment Research Group. Represents all business units of Prudential, including Individual Life Insurance.

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Five peaks are shown to describe SIRG; four have information on them. The first peak indicates that SIRG has over 300 relationships with asset managers. The second depicts SIRG's 26 dedicated investment professionals. The third point reflects the more than 300 meetings that SIRG holds with money managers every year. The last peak shows the over 15 average years of experience for the investment professionals in SIRG.

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Options for a Better Experience

Take advantage of technology to get approvals faster and give clients a better experience.

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Faster Client Approvals

Healthy clients can be approved in under 48 hours with no invasive medical tests with PruFast Track, our accelerated underwriting path. Do you have clients who qualify?

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A Line of Sight into Policy Performance

LifeInsight is an online, interactive tool that lets you see how a client's policy is performing against assumptions.

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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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New User?  Register Now

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Footnote

  • 1The BenefitAccess Rider is an optional rider that accelerates the life insurance death benefit when the insured is terminally ill or is chronically ill as defined in the rider. It is not Long-Term Care (LTC) insurance. Benefits received under the rider will reduce and may deplete the death benefit. Electing the BenefitAccess Rider 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 only be made if the payments are subject to favorable tax treatment by the federal government. 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 favorable tax treatment.

For some 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.

Clients should consider the investment objectives, risks, 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. Clients should read the prospectus carefully before investing.

It is possible to lose money by investing in securities.
 
Guarantees are based on the claims paying ability of the issuing insurance company and do not apply to the underlying investment options.

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

For Compliance Use Only: 1014652-00001-00 Ed. 01/2019