All guarantees are based on the claims-paying ability of the issuing company.

Term Essential is issued by Pruco Life Insurance Company in all states except New York, where it is issued by Pruco Life Insurance Company of New Jersey. Both are Prudential Financial companies located in Newark, NJ. Each is solely responsible for its own financial condition and contractual obligations. The policy form number for Term Essential is PLTIC-2016/ICC16 PLTIC-2016. All of these form numbers may be followed by state codes. All products, riders, and features may not be available in all states. Face amounts are subject to our underwriting guidelines. (Pruco Life Insurance Company, – California COA # 3637, NAIC # 79227. Pruco Life Insurance Company of New Jersey – NAIC #97195. The Prudential Insurance Company of America, a New Jersey company – California # 1179, NAIC #68241.)

The issuer may have the right to contest the policy for misrepresentation or to apply a suicide clause.
Our policies contain exclusions, limitations, reductions in benefits and terms for keeping them in force. A financial professional can provide you with costs and complete details.