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Get to Know BenefitAccess Rider

Get to Know BenefitAccess Rider

Living longer may impact your clients' retirement funds, especially if there's a chronic illness. When your clients add the BenefitAccess Rider to one of our permanent policies, they get the death benefit protection they need, plus flexibility to accelerate the death benefit should they become chronically or terminally ill and meet the terms of the rider.

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BenefitAccess Rider At-A-Glance

BenefitAccess Rider At-A-Glance

The BenefitAccess Rider is an optional accelerated death benefit rider that advances up to 100% of the policy’s death benefit in the event of a chronic or terminal illness. It is available for an additional premium at issue on all of Prudential’s currently available single-life permanent policies.

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BenefitAccess Rider Works Well For

BenefitAccess Rider Works Well For

BenefitAccess Rider Is Available On:

BenefitAccess Rider Is Available On:

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Term Life Policies

Policies that offer budget-friendly insurance protection for a set number of years.

Learn more Information about Term Life Policies

Universal Life Policies

Policies that offer your clients lifetime insurance protection.

Learn more Information about Universal Life Policies

Variable Life Policies

Policies that offer lifetime insurance protection plus growth and income potential.

Learn more Information about Variable Life Policies

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Advisors - Life Insurance

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Footnote

The BenefitAccess Rider is an optional rider that accelerates the life insurance death benefit when the insured is terminally ill or is chronically ill and otherwise meets the terms of the rider. It is not Long-Term Care (LTC) insurance. Benefits received under the rider will reduce and may deplete the death benefit. Electing this rider results in an additional charge and underwriting requirements. Some benefit payments may be subject to a fee. Other terms and conditions apply and can vary by state. Clients should consult their tax and legal advisors.

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 federal tax treatment. 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 your client 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.

Guarantees are based on the claims paying ability of the issuing insurance company.

Created Exclusively for Financial Professionals. Not for Use with Consumers.

For Compliance Use Only: 1014840-00001-00 Ed. 01/2019