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 in New York, where they are 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 PLTIC-2016 or ICC16 PLTIC-2016. Coverage ends at age 95. (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.

1009649 Ed. 09/2018