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

PruTerm WorkLife 65SM is issued by Pruco Life Insurance Company (Pruco Life), in all states (where available) except New York, where it is currently unavailable. Pruco Life Insurance Company is a Prudential Financial company that is located at 213 Washington Street, Newark, NJ 07102 and is solely responsible for its own financial condition and contractual obligations. The policy form number is PLTUB-2011. 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.