Advisors - Life Insurance
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The Strength of Prudential Build Your Life Business with the Strength of Ours
Working with Prudential means you have the expertise, resources, and strength of an industry leader by your side. We provide the life insurance strategies and products to help you with clients’ financial goals.
Plus, you’ll have access to our innovative suite of eCapabilities that will help you grow your business while delivering the experience clients expect.
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Field Support and Service
We offer the industry expertise and wholesaler support you need to make your life insurance business thrive. And our unyielding commitment to service, support, and technology will make the entire sales process easy and efficient.
- Wholesalers and a national sales desk are with you every step of the way.
- Advanced Planning Group helps you design and win big and complex cases.
- A case management team will help expedite your cases.
- Sales tools, client strategies, and marketing materials are designed to drive more business.
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Dynamic Underwriting for Faster Life Business1
Our underwriting, case management experts, high auto-issue limits, and total capacity enable you to get the assistance you need to help better serve your clients and close even large cases quickly.
- Our Age Last Birthday can make your clients one year younger for pricing.
- Fewer requirements than most other carriers, including no ECG's below $10 million. Insurance exams are good for 12 months for ages 70 and younger.
- More competitive ratings by using our own underwriting manual.
- Over 50% of clients get categorized Preferred Non-Tobacco or Preferred Best.
- Over 75% are categorized as Non-Smoker Plus or better.
- We rate as Non-Smoker Plus class what other carriers rate as “Standard.”
- We use competitive build charts, especially at ages 6-+ and have favorable ratings for certain cancers.
- Credits are available for more than two dozen impairments.
- A Non-Smoker Plus rating is possible for diabetes or coronary artery disease.
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PruFast Track, Our Accelerated Underwriting Process
Prudential’s new and more efficient underwriting process has advantages for you and your clients:
- Faster approvals – Approvals may come in days instead of weeks.
- No Exams – Medical exams and labs are not required.
- More efficient – A paperless process means less chance of errors and delays.
- Available – PruFast Track is available for face amounts up to $3 million and for ages 60 and younger with most of Prudential's life insurance products quoted Smoker or better.
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The Products and Solutions to Meet Your Clients’ Needs
Prudential’s carriers have the financial strength to offer a broad and competitive portfolio that other carriers can’t. Our portfolio can help address the diverse challenges and goals of families, estates, and businesses.
- Ability to convert any of our term policies to any of our currently available permanent policies.2
- Broad permanent portfolio includes universal, indexed, and variable life, with meaningful guaranteed death benefits.
- Living benefits, such as chronic or terminal illness riders and unemployment riders, help protect policyowners in their lifetime.
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Use Our Financial Strength to Your Advantage
Prudential Financial has a 145-year history of honoring its promises. Our carrier’s financial strength and ratings should give your clients confidence to know we stand by every policy.
- Our life insurance issuing companies (Pruco Life Insurance Company and Pruco Life Insurance Company of New Jersey) have a Comdex rating of 95, as of date of September 15, 2020.3
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Actions 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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- 1 The availability of coverage and rates will vary based on company underwriting criteria including, but not limited to, age, sex, health history, smoking status, and residency. Underwriting rules are subject to change at our discretion. Automatic and jumbo limits are graded down by age, rating, and special risks (e.g., foreign residence and travel, entertainers, professional athletes, etc.)
- 2 Conversion to survivorship policies may be discontinued at our discretion.
- 3 The Comdex is a composite index, calculated by EbixExchange, which is the average percentile of a life insurance company’s financial strength ratings. The Comdex is not a rating itself. It is a composite of all of the ratings that the company has received. The Comdex gives the company’s standing, on a scale of 1 to 100, in relation to other companies that have been rated by the services. It is an objective value based solely on the mathematical distribution of all of the companies that have been rated. It is based on the ratings issued by the following rating services: A.M. Best, Standard & Poor’s, Moody’s Investors Service, and Fitch.
Created Exclusively for Financial Professionals. Not for Use with Consumers.
For Compliance Use Only: 1014014-00005-00 Ed. 07/2021
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