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Finding a Life Insurance Policy to Meet Your Needs

We understand—choosing a life insurance policy can seem a bit overwhelming. If there’s one thing the life insurance industry is guilty of it’s producing an abundance of choices. But in this case, there’s good reason: everyone’s needs, goals, and preferences are different, and we want to help you find a policy that meets:
  • Your needs.

  • Your budget.

  • The amount of time you need it to be guaranteed.

  • How much, if any, risk you can accept.

  • Even how actively involved in managing the policy you’d like to be.

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You don’t have to do this alone

You can explore a policy on your own, or you can talk to or meet with a Financial Professional who can simplify the process for you. Our Financial Professionals can sort through all the choices and help you choose a policy to meet your needs.

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If you want to explore your options now ...

Check out this summary of some of the more common needs that life insurance helps to fill, and explore the Prudential life insurance policies that support them. Click on each policy name to review details about how it can help you and the people most important to you.

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What Do You Need Your Life Insurance Policy to Do?

Comparison of Prudential Life Insurance Products
  I would like it to provide money for those who rely on me and …
Prudential Policy … only that. … leave a legacy for them or a favorite institution. … create another source of income for me, perhaps for retirement. … give me access to the money if I become sick. … minimize or offset taxes. … protect or continue my business.
Term
Term Elite® covered feature not covered not covered not covered not covered not covered
Term Essential® covered feature not covered not covered not covered covered feature covered feature
PruTerm WorkLife 65SM covered feature not covered not covered not covered not covered not covered
PruLife® Return of Premium Term covered feature not covered covered feature not covered not covered not covered
PruTerm OneSM not covered not covered not covered not covered not covered covered feature
Universal Life
PruLife® Universal Protector covered feature covered feature not covered covered feature covered feature covered feature
PruLife® Universal Plus not covered covered feature not covered not covered not covered not covered
PruLife Essential UL® covered feature covered feature not covered covered feature covered feature covered feature
Indexed Universal Life
PruLife® Founders Plus UL covered feature covered feature not covered covered feature covered feature covered feature
PruLife® Index Advantage UL not covered not covered covered feature covered feature covered feature covered feature
Survivorship Universal Life
PruLife® SUL Protector not covered covered feature not covered not covered covered feature not covered
PruLife® Survivorship Index UL not covered covered feature not covered not covered covered feature not covered
Variable Universal Life
PruLife® Custom Premier II not covered not covered covered feature covered feature covered feature covered feature
VUL Protector® not covered covered feature covered feature covered feature covered feature covered feature
Survivorship Variable Universal Life
PruLife® SVUL ProtectorSM not covered covered feature not covered not covered covered feature not covered

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Term Essential (PLTIC-2016 & ICC16 PLTIC-2016), Term Elite (PLTI-2008), PruTerm One (PART-2017 or ICC17 PART-2017), PruLife Essential UL (EULPR-2018 or ICC18 EULPR-2018), PruLife Founders Plus UL (IULPR-2018 & ICC18 IULPR-2018), PruLife Index Advantage UL (ICC17 IUL-2017 or IUL-2017), PruLife Universal Protector (ULNLGA-2016 & ICC16 ULNLGA-2016), PruLife Universal Plus (UL-2010), VUL Protector (ICC18 VULPR-2018 or VULPR-2018), PruLife Custom Premier II (VUL-2015 or ICC15 VUL-2015), PruLife SUL Protector (ICC17 SULPR-2017 or SULPR-2017), PruLife Survivorship Index UL (SIUNLG-2015 or ICC15 SIUNLG-2015), 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. PruTerm WorkLife 65 (PLTUB-2011) is issued by Pruco Life Insurance Company, except in New York, where it is currently unavailable. PruLife Return of Premium Term (ICC13 PLTIR-2013 or 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. VUL Protector and PruLife Custom Premier II are offered through Pruco Securities LLC (member SIPC). All are Prudential Financial companies located in Newark, NJ. Each is solely responsible for its own financial condition and contractual obligations.

All guarantees within a policy are based on the claims paying ability of the issuing insurance company. 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.

For variable policies, please consider the investment objectives, risks, and charges and expenses carefully before investing in the contract and/or underlying portfolios. The prospectus and, if available, the summary prospectus contain this information, as well as other important information. You can obtain a copy of the prospectus here. You should read the prospectus carefully before investing. It is possible to lose money by investing in securities.

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