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Customize Your Policy with Riders
Customize Your Policy with Riders
Life insurance helps you take care of the people you love after you die. By adding optional features, called riders, you can enhance this valuable coverage and tailor your policy to address specific concerns.
Most are available only when you buy the policy; a few others can be added later. Most have an additional premium or cost, and others have a cost only if you elect to use them. Some require additional underwriting. Terms and conditions apply for each.
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SERIOUS ILLNESS RIDERS
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If You Become Seriously Ill
If You Become Seriously Ill
These riders can help you unlock the value of your policy for your own needs when you are ill and you meet the terms of the rider. Please note that the benefits that these riders make available to you will be taken from the death benefit; as a result, they will reduce and may eliminate the death benefit your beneficiaries receive.
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BenefitAccess Rider
BenefitAccess Rider
If you become chronically or terminally ill, this rider can help you by accelerating, or making available, your death benefit while you’re still alive. You can use this money for yourself in any way you want. To add this rider to your policy, you’ll have to go through additional underwriting for the rider and pay an additional cost.
Survivorship BenefitAccess Rider
Survivorship BenefitAccess Rider
A survivorship life insurance policy insures both you and another person. If you and the other insured person on the policy become chronically or terminally ill at the same time, or if the survivor becomes chronically or terminally ill, this rider can help. When criteria is met, the death benefit can be accessed while you and/or the other insured is/are still living. You can use the money any way you want. To add this rider to your policy, you and the other insured person will need to go through additional underwriting and pay an additional cost.
Living Needs BenefitSM
Living Needs BenefitSM
If you are diagnosed with a terminal illness or, in some states, need a vital organ transplant, or are expected to be permanently confined to a nursing home, this benefit can help you by accelerating, or making available, your death benefit while you’re still alive. You can use this money however you’d like. There is no charge to add this rider to your policy; instead, there is a charge only if you use it. (State variations may apply. Not available in WA.)
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DISABILITY RIDERS
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If You Become Disabled
If You Become Disabled
These riders will ensure your policy remains in effect if you become disabled.
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Waiver of Premium
Waiver of Premium
If you become disabled and are unable to work, it could become difficult to pay your policy premiums. Available on term policies, this benefit will keep your life insurance coverage intact.
Enhanced Disability Benefit Rider
Enhanced Disability Benefit Rider
If you become disabled and are unable to work, it could become difficult to pay your policy premiums. Available on permanent policies, this benefit will keep your life insurance coverage intact.
Waiver of Monthly Deductions
Waiver of Monthly Deductions
If the insured becomes totally disabled, as defined in the rider, for at least six continuous months (waiting period), the company will pay the monthly charges into the contract fund.
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ADDITIONAL DEATH BENEFIT RIDERS
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If You Would Like to Provide an Additional Death Benefit for Your Family
If You Would Like to Provide an Additional Death Benefit for Your Family
These riders give you an economical way to provide life insurance for your minor children or an additional death benefit if you suffer a fatal accident. Each is available for an additional cost.
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Children’s Protection Rider
Children’s Protection Rider
This feature, available on our term policies, gives you the option to provide life insurance for your young children. It also provides the option to convert the coverage to a new permanent life insurance policy at specific ages when they are older.
Children Level Term Rider
Children Level Term Rider
This feature, available on our permanent policies, gives you the option to provide life insurance for your young children. It also provides the option to convert the coverage to a new permanent life insurance policy at specific ages when they are older.
Accidental Death Benefit
Accidental Death Benefit
A fatal accident can be especially devastating to your family. This benefit will pay an additional death benefit if you’re in an accident that directly causes your death. (Not available in MA.)
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CASH VALUE RIDERS
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If You Plan to Use the Cash Value
If You Plan to Use the Cash Value
These riders can help keep your policy in force or increase the cash value under certain circumstances.
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Overloan Protection Rider
Overloan Protection Rider
If you have an outstanding policy loan, there’s the potential that your policy could lapse. This rider could help prevent that. There is a one-time charge if you use it.
Enhanced Cash Value Rider
Enhanced Cash Value Rider
Primarily for business uses. If you need to surrender, or give up, your policy in the early years, this rider offers higher cash surrender values. (Not available in NY).
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ESTATE PLANNING RIDERS
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If Your Policy Is Part of Your Estate Planning with a Spouse or Partner
If Your Policy Is Part of Your Estate Planning with a Spouse or Partner
These riders can help you adapt your policy to changes in your life or the tax law and help protect your heirs, your beneficiaries, if both insured people die very early on.
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Guaranteed Policy Split Rider
Guaranteed Policy Split Rider
With this rider, available on our Survivorship policies, which insure two people on one policy, you can split the one policy into two if estate laws change or you get divorced.
Estate Protection Rider
Estate Protection Rider
This rider, available for an additional cost on our Survivorship policies, which insure two people on one policy, increases the death benefit by up to 100% if both people on the policy die before the 4th policy anniversary.
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Footnote
Rider forms and their availability can vary by product and state. The rider form numbers may be followed by a state code:
Waiver of Monthly Deductions: PruLife Essential UL & PruLife Founders Plus UL: ICC18 VL 100 B-2018 or VL 100 B-2018.
Waiver of Premium: Term Essential and Term Elite: TB 100-2000; there may be state variations.
Enhanced Disability Benefit: PruLife UL Protector: VL 100 B-2016 or ICC16 VL 100 B-2016; VUL Protector: VL 100 B-2017, or ICC17 VL 100 B-2017; PruLife Index Advantage UL: VL 100 B2-2016 or ICC16 VL 100 B2-2016; PruLife Custom Premier II: ICC17 VL 100 B-2017 or VL 100 B-2017.
Children Level Term: PruLife Essential UL, PruLife Universal Protector, PruLife Index Advantage UL, PruLife Founders Plus, PruLife Custom Premier II VUL Protector: ICC16 VL 182 B-2016 or VL 182 B-2016.
Children’s Protection Rider: Term Essential, and Term Elite: TB 182-2000; TB 184-2000 for after issue. There may be state variations.
Accidental Death Benefit: (Not available in MA); Term Essential, and Term Elite: TB 113-2000; PruLife Universal Protector, PruLife Essential UL, PruLife Index Advantage UL, PruLife UL Plus, PruLife Founders Plus, PruLife Custom Premier II, and VUL Protector: VL 110 B-2000.
Overloan Protection Rider: PruLife Index Advantage UL, PruLife Founders Plus: PLI 518-2015, ICC15 PLI 518-2015, PLI 552-2017, ICC17 PLI 552-2017, or PLY 141-2017 or PLY 123-2015 (in NY); PruLife Custom Premier II; PruLife Essential UL and PruLife SVUL Protector and VUL Protector: PLI 552-2017 or ICC17 PLI 552-2017.
Enhanced Cash Value Rider: (Not available in NY); PruLife Index Advantage UL and PruLife Founders Plus: ICC17 PLI 496-2017 or PLI 496-2017; PruLife Survivorship Index UL: ICC18 PLI 557-2018 or PLI 557-2018; PruLife Essential UL: PLI 496-2018 or ICC18 PLI 496-2018; PruLife Custom Premier II and PruLife SVUL Protector: PLI 496-2014 or ICC14 PLI 496-2014; PLI 496-2018 or ICC18 PLI 496-2018; VUL Protector: PLI 496-2018 or ICC18 PLI 496-2018.
Guaranteed Policy Split Rider: PruLife SUL Protector and SVUL Protector: PLI 493-2015 or ICC15 PLI 493-2015 or PLY 118-2015. PruLife Survivorship Index UL: PLI 493-2018 or ICC18 PLI 493-2018 or PLY 118-2018.
Estate Protection Rider: PruLife SUL Protector, PruLife SVUL Protector, and PruLife Survivorship Index UL: ICC15 VL 194 C-2015 or VL 194 C-2015, ICC18 PLI 493-2018 or PLI 493-2018.
Living Needs BenefitSM
The Living Needs Benefit is an accelerated death benefit and is not a health, nursing home, or long-term care insurance benefit and is not designed to eliminate the need for insurance of these types. There is no charge for this rider but, when a claim is paid under this rider, the death benefit is reduced for early payment, and a $150 processing fee ($100 in Florida) is deducted. If more than one policy is used for the claim, each policy will have a processing fee of up to $150 deducted ($100 in Florida). Portions of the Living Needs Benefit℠ payment may be taxable, and receiving an accelerated death benefit may affect your eligibility for public assistance programs. The federal income tax treatment of payments made under this rider depends upon whether the insured is considered “terminally ill” or “chronically ill” and, if the policy is business related, whether the insured is receiving the benefits. We suggest the policyowner seek assistance from a personal tax advisor regarding the implications of receiving Living Needs Benefit℠ payments. This rider is not available in Minnesota to new purchasers over age 65 until the policy has been in force for one year, and the nursing home option is not available in California, Connecticut, Florida, Massachusetts, New York, or the District of Columbia. This rider is not available in Washington state. In Oregon, term policies must include the waiver of premium benefit to be eligible for this rider. The form numbers for the Living Needs Benefit℠ are ORD 87241 and ORD 87335; there may be state variations.
BenefitAccess Rider
The rider form number varies by underlying insurance product and is either VL 145 B4-2016, ICC16 VL 145 B4-2016, VL 145 B5-2017, or ICC17 VL 145 B5-2017; in CA: VL 145 B-2013 (ED 2015), VL 145 B2-2013 (ED 2015), or VL145 B3-2014.
Non-California Residents:
The BenefitAccess Rider is available for an extra premium. Additional underwriting requirements and limits may also apply. Receiving benefits under the terms of the rider will reduce and may eliminate the death benefit.
Benefits paid under the BenefitAccess Rider are intended to be treated for federal tax purposes as accelerated life insurance death benefits under IRC §101(g)(1)(b). Tax laws related to receiving accelerated death benefits are complex, and benefits may be taxable in certain circumstances. Receipt of benefits may affect eligibility for public assistance programs such as Medicaid. Accelerated benefits paid under the terms of the Terminal Illness portion of the rider are subject to a $150 processing fee ($100 in Florida). Please consult your tax and legal advisors before initiating a claim.
To qualify for chronic illness benefits, you (the insured) must be certified as chronically ill by a licensed health care practitioner. For chronic illness benefits to continue beyond one year, recertification by a licensed health care practitioner is required. Other terms and conditions may apply, including an elimination period. The elimination period is a term of 90 consecutive calendar days that must pass before benefits can be payable. To qualify for terminal illness benefits, you must be certified as terminally ill by a licensed physician. This rider is not Long-Term Care (LTC) insurance, and it is not intended to replace LTC. The rider may not cover all of the costs associated with chronic or terminal illness. It is a life insurance accelerated death benefit rider and is generally not subject to health insurance requirements. The availability of the rider as well as terms and conditions may vary by state.
The BenefitAccess Rider is a life insurance benefit that gives you, the policyowner the option to accelerate some or all of your life insurance policy's death benefit if you meet the criteria for a qualifying event described in the policy. This policy or certificate does not provide Long-Term Care insurance subject to California Long-Term Care insurance law. This policy or certificate is not a California Partnership for Long-Term Care program policy. This policy or certificate is not a Medicare supplement (policy or certificate). Benefits paid under the BenefitAccess Rider are intended to be treated for federal tax purposes as accelerated death benefits under IRC §101(g)(1)(B). Receiving benefits under the terms of the rider will reduce and may eliminate the net death benefit your beneficiaries will receive.
It is important to understand the differences between the BenefitAccess Rider (BenefitAccess) and Long-Term Care (LTC) insurance.
BenefitAccess is an Accelerated Death Benefit (ADB) rider on a life insurance policy and is not LTC insurance, nor is it intended to replace the need for LTC insurance.
- There is no requirement for the insured to incur LTC expenses in order to be eligible for BenefitAccess benefits. Eligibility for BenefitAccess benefits is based on the insured's chronic illness condition, not the LTC expenses they incur. LTC insurance policies pay on an expense reimbursement basis and benefit eligibility is based on evidence (such as receipts) that the insured has incurred qualified long-term care expenses. The benefit payment on an LTC policy amount is equal to the amount of LTC expenses incurred by the insured during that benefit period.
- The total benefit amount available under BenefitAccess is the death benefit of the life insurance policy. The total benefit amount available under an LTC insurance policy is based on a benefit level and a pool of money selected by the policyowner at the time of purchase.
- • Once the insured qualifies for BenefitAccess benefits, payments can begin immediately and there are no restrictions on the use of benefit payments. LTC insurance policies often require that a waiting period or elimination period (such as 90 or 100 days) be satisfied before benefit payments begin, and benefits must be used to pay for qualified LTC expenses.
- There may be other differences between BenefitAccess and any specific LTC insurance policy. You should carefully review the specific details of each before making any decision to purchase.
For New York contracts:
Please also note the rider is not subject to the minimum requirements of New York law, does not qualify for the New York State Long-Term Partnership Program, and is not a Medicare supplement policy. In addition, receiving accelerated death benefits may affect clients’ eligibility for public assistance programs and such benefits may be taxable. Benefit payments may only be made if the payments are subject to favorable tax treatment by the federal government. When determining whether the benefit payments will receive favorable tax treatment, the payment of benefits from all insurance policies must be considered. Benefit payments may be reduced or unavailable if they are expected to exceed the maximum amount eligible under Internal Revenue Code Section 101(g)(1) and all other applicable sections of federal law for favorable tax treatment.
For some Connecticut contracts:
To be eligible for chronic illness benefits you must also have been confined in a home or institution for at least 6 months previously. This confinement must have been illness related. It also must be expected to continue for life.
Survivorship BenefitAccess Rider
Benefits paid under the Survivorship BenefitAccess Rider are intended to be treated for federal tax purposes as accelerated life insurance death benefits under IRC §101(g)(1)(b). Tax laws related to receiving accelerated death benefits are complex, and benefits may be taxable in certain circumstances. Receipt of benefits may affect eligibility for public assistance programs such as Medicaid. Accelerated benefits paid under the terms of the Terminal Illness portion of the rider are subject to a $150 processing fee ($100 in Florida). Please consult your tax and legal advisors before initiating a claim.
To qualify for chronic illness benefits, both insured individuals (or the surviving insured individual) must be certified as chronically ill by a licensed health care practitioner. Benefits are not payable if both insured individuals are alive and only one insured is certified as chronically ill. For chronic illness benefits to continue beyond one year, recertification by a licensed health care practitioner is required. Other terms and conditions may apply, including an elimination period. The elimination period is a term of 90 consecutive calendar days that must pass before benefits can be payable. To qualify for terminal illness benefits, both insured individuals (or the surviving insured individual) must be certified as terminally ill by a licensed physician.
This rider is not Long-Term Care (LTC) insurance, and it is not intended to replace LTC. The rider may not cover all of the costs associated with chronic or terminal illness. It is a life insurance accelerated death benefit rider and is generally not subject to health insurance requirements. The availability of the rider as well as terms and conditions may vary by state.
If your survivorship policy will be owned by a trust or non-living entity, you should consult a tax advisor prior to electing the Survivorship BenefitAccess Rider. Clients should always consult their tax and legal advisors when considering the purchase of a life insurance policy and/or accelerated death benefit rider.
Rider form number is VL 147 SB1-2018 or ICC18 VL 147 SB1-2018 (currently available on Survivorship Index UL).
PruTerm One (ICC17 PART-2017 or PART-2017), Term Essential (ICC16 PLTIC-2016 or PLTIC-2016), Term Elite (PLTI-2008), PruLife Universal Protector (ICC16 ULNLG-2016, ULNLGA-2016, ICC16 ULNLGA-2016), PruLife Essential UL (EULPR-2018, ICC18 EULPR-2018), PruLife Founders Plus UL (IULPR-2018, ICC18 IULPR-2018), PruLife Index Advantage UL (IUL-2017 or ICC17 IUL-2017), VUL Protector ( ICC18 VULPR-2018, or VULPR-2018), PruLife Custom Premier II (ICC18 VUL - 2018 or VUL - 2018), PruLife Survivorship Index UL (SIULPR-2018 or ICC18 SIULPR-2018), PruLife SUL Protector (SULPR-2017 or ICC17 SULPR-2017), and PruLife SVUL Protector (SVUNLG-2017 or ICC17 SVUNLG-2017) are issued by Pruco Life Insurance Company, except in New York, where they are issued by Pruco Life Insurance Company of New Jersey. PruLife Return of Premium Term (PLTIR-2013 OR ICC13 PLTIR-2013) is issued by Pruco Life Insurance Company except in New Jersey and New York, where the issuer is Pruco Life Insurance Company of New Jersey. Both are Prudential Financial companies located in Newark, NJ, and both are solely responsible for their own financial condition and contractual obligations. VUL Protector, PruLife Custom Premier II, and PruLife SVUL Protector are offered through Pruco Securities LLC (member SIPC), Newark, NJ.
All guarantees and benefits of the insurance policy are backed by the claims-paying ability of the issuing insurance company and do not apply to any underlying investment options.
| For Compliance Use Only1011223 Ed. 05/2019 | For Compliance Use Only 1011223-00003-00 |