PruLife® Universal Protector is issued by Pruco Life Insurance Company (Pruco Life), in all states except New York, where it is issued by Pruco Life Insurance Company of New Jersey. Both companies are Prudential Financial companies and are located at 213 Washington Street, Newark, NJ 07102. Each is solely responsible for its own financial condition and contractual obligations. The policy form number is ULNLG-2016 or ICC16 ULNLG-2016. All products may not be available in all states. (Pruco Life Insurance Company, -- California COA # 3637, NAIC # 79227. The Prudential Insurance Company of America, a New Jersey company -- California COA # 1179, NAIC #68241.)

The issuer may have the right to contest the policy for misrepresentation or to apply a suicide clause.