TEXT ALTERNATIVE
We're here to be yours.
When you partner with Prudential, you have the expertise, technology, and strength of a leader in the life insurance industry by your side. Together, we can help clients get the life insurance coverage they need to protect their loved ones, themselves, and their futures.
You're their rock.
EXPLORE NOW
Planning for the future
Making business easier for you and clients
Relying on the power of Prudential
Protecting loved ones
1051177-00001-00 Ed. 09/2021 ISG_DG_ILI103_01
NOT FOR USE WITH THE PUBLIC. FOR FINANCIAL PROFESSIONAL USE ONLY.
Life insurance is issued by Pruco Life Insurance Company (except in NY), and Pruco Life Insurance Company of New Jersey (in NY). All are Prudential Financial companies located in Newark, NJ. All guarantees and benefits of the insurance policy are backed by the claims-paying ability of the issuing insurance company. This material is being provided for informational or educational purposes only and does not take into account the investment objectives or financial situation of any clients or prospective clients. The information is not intended as investment advice and is not a recommendation about managing or investing a client’s retirement savings. Clients seeking information regarding their particular investment needs should contact a financial professional. Issuance of the policy may depend upon the answers to the health questions set forth in the application. We do not provide tax, accounting, or legal advice. Clients should consult their own independent advisors as to any tax, accounting, or legal statements made herein. © 2021 Prudential Financial, Inc. and its related entities.
ACCESSIBILITY
Everyone needs a rock in their lives—in good times and bad. The clients you work with have challenges and opportunities every day. It’s during these times they look to you.
Prudential offers a wide variety of life insurance policies that make it easy for clients at every stage of life and every income level to protect their families. Whether they need a term life policy or something more robust—together, we can help clients protect their loved ones.
Relying on the Power of Prudential
Protecting Loved Ones
Planning for the Future
Making Business Easier for You and Clients
Legacy planning
EXPLORE CLIENT PROFILE
EXPLORE CLIENT PROFILE AND STORY
Financial protection
Mike, 36, Chris, 35, Peyton, 4
$125,000
Chicago, IL
Share the Story with Clients
What every consumer should know about life insurance Understanding your life insurance options How life insurance can help you protect what matters most
• Student loan debt • Paying for child care • New mortgage
Understand the need for life insurance, but worried they can’t afford it.
A simple term life insurance policy from Prudential.
Bill, 59, Joanne, 56
Indianapolis, IN
Legacy Planning Wealth Transfer: Leaving a Legacy Brochure Estate Planning Checklist Legacy Advantage: An Asset Repositioning Strategy Brochure
• Leaving a legacy • Retiring comfortably • Managing financial stability
View life insurance as a way to transfer wealth across generations. Leaving an inheritance to their children is important.
A permanent life insurance product from Prudential can help them leave a legacy to future generations while not impacting their current lifestyle.
The primary reason clients purchase life insurance is to protect their loved ones. However, there are living benefits that clients can access during their entire lifetime. These benefits can help clients plan for retirement, manage a chronic illness, and reduce their tax burden.
Managing a chronic illness
Planning for retirement
Navigating the tax landscape
David, 51, Kim, 54, 2 kids in college
$165,000
Seattle, WA
Retirement Planning with Life Insurance Infographic Life Insurance Retirement Planning Brochure Retirement by the Numbers Flyer Managing Your Costs in Retirement
• Having enough money for retirement • Protecting their family • Having to liquidate assets due to inadequate income
Like most Americans, they are worried about retirement. They want to be sure they have enough to not only maintain their lifestyle in retirement, but travel as well.
Life insurance that builds cash value can help them protect their family and provide a source of supplemental income that gives them more financial flexibility in retirement.
Life insurance is issued by Pruco Life Insurance Company (except in NY), and Pruco Life Insurance Company of New Jersey (in NY). All are Prudential Financial companies located in Newark, NJ. All guarantees and benefits of the insurance policy are backed by the claims-paying ability of the issuing insurance company. This material is being provided for informational or educational purposes only and does not take into account the investment objectives or financial situation of any clients or prospective clients. The information is not intended as investment advice and is not a recommendation about managing or investing a client’s retirement savings. Clients seeking information regarding their particular investment needs should contact a financial professional. Issuance of the policy may depend upon the answers to the health questions set forth in the application. We do not provide tax, accounting, or legal advice. Clients should consult their own independent advisors as to any tax, accounting, or legal statements made herein. © 2021 Prudential Financial, Inc. and its related entities.
Stella, 55, 2 adult children, 1 grandchild
$90,000
Jacksonville, FL
The Four C’s of Chronic Illness Flyer Comparing Chronic Illness Solutions BenefitAccess Rider Consumer Flyer BenefitAccess Rider Concierge Overview
• Not wanting to rely on her children for care if she gets ill • Leaving a legacy
Stella was a caretaker to her sick mother years ago and doesn’t want to place that burden on her children. She’s aware of the financial impact of not being able to work while ill and the expenses associated with a chronic illness.
When clients add the BenefitAccess Rider (BAR) to one of our permanent life insurance policies, they get death benefit protection, plus the flexibility to accelerate up to 100% of the death benefit if faced with a chronic or terminal illness and meeting the terms of the rider. Having access to these funds reduces the risk that clients will deplete savings and assets to pay for costs associated with chronic illness.
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. Accordingly, prior to applying for benefits, you should seek assistance from a qualified tax advisor. Life insurance is issued by Pruco Life Insurance Company (except in NY), and Pruco Life Insurance Company of New Jersey (in NY). All are Prudential Financial companies located in Newark, NJ. All guarantees and benefits of the insurance policy are backed by the claims-paying ability of the issuing insurance company. This material is being provided for informational or educational purposes only and does not take into account the investment objectives or financial situation of any clients or prospective clients. The information is not intended as investment advice and is not a recommendation about managing or investing a client’s retirement savings. Clients seeking information regarding their particular investment needs should contact a financial professional. Issuance of the policy may depend upon the answers to the health questions set forth in the application. We do not provide tax, accounting, or legal advice. Clients should consult their own independent advisors as to any tax, accounting, or legal statements made herein. © 2021 Prudential Financial, Inc. and its related entities.
The BenefitAccess Rider is an optional rider that accelerates the life insurance death benefit when the insured is terminally ill or is chronically ill as defined in the rider. It is not Long-Term Care (LTC) insurance. Benefits received under the rider will reduce and may deplete the death benefit. Electing the BenefitAccess 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.
Renee, 47, Shawn, 50, 3 adult children
Austin, TX
The Tax Challenge Tool The Importance of Tax Planning for Retirement Flyer The Tax Advantages of Life Insurance Flyer Tax Erosion Guide
• Outliving their savings • Helping children financially • Uncertain tax landscapes derailing their plans
Having a comfortable retirement and protecting their family is important. They are saving twice as much for retirement as most Americans.
Prudential’s permanent life insurance can provide a tax-free death benefit for their children along with tax-free supplemental income. Life insurance can help address not only their need to protect their family financially, but also their wants, through tax benefits.
Prudential’s eCapabilities are transforming life for you and clients by simplifying and speeding up the entire life insurance process. That means you get more time to grow your business and clients get a modern, streamlined service experience from start to finish.
Doing business faster and easier
Our accelerated underwriting path may approve clients within days.
Easily submit clients’ life insurance applications electronically.
Clients can answer health questions online when and where they want.
Our patented LifeInsight platform enables you to monitor clients’ policy performance.
Policies are automatically delivered for placement after eSignatures are delivered.
Dylan, 37, Sophie, 6
$78,000
Philadelphia, PA
eCapabilities Testimonial Flyer eCapabilities by the Numbers Flyer eCapabilities Video
• Ensuring his daughter is protected • Paying his monthly bills
Making sure his daughter is protected is Dylan’s main priority. He wants insurance but doesn’t think he has the time to go through the process. He does as much as possible online to save time and make his life easier.
Prudential’s eCapabilities enable Dylan to purchase life insurance without leaving his home. He can use his laptop, phone, or tablet to complete all steps of the process when it’s convenient for him.
• Field support and service to help your business thrive • Dynamic underwriting that can help you close even large cases quickly • PruFast Track, our accelerated underwriting process • eCapabilities to give clients a seamless, digital experience when purchasing life insurance • A broad product portfolio to address the diverse needs of clients.
Working with Prudential means you have the expertise, resources, and strength of an industry leader by your side. We provide the life insurance strategies and products to help you with clients’ financial goals.
Footnote 1:
Visit Our PruXpress Sales Portal
Count on a Leader Brochure
The Prudential Advantage Flyer
Created Exclusively for Financial Professionals. Not for Use with Consumers.
The Comdex is a composite index, calculated by EbixExchange, which is the average percentile of a life insurance company’s financial strength ratings. The Comdex is not a rating itself. It is a composite of all of the ratings that the company has received. The Comdex gives the company’s standing, on a scale of 1 to 100, in relation to other companies that have been rated by the services. It is an objective value based solely on the mathematical distribution of all of the companies that have been rated. It is based on the ratings issued by the following rating services: A.M. Best, Standard & Poor’s, Moody’s Investors Service, and Fitch.
1
Prudential Financial has a 145-year history of honoring its promises. Our carriers’ financial strength and ratings should give clients confidence to know we stand by every policy.
Our life insurance issuing companies (Pruco Life Insurance Company and Pruco Life Insurance Company of New Jersey) have a Comdex rating of 95, as of August 2, 2021 (1).
(Footnote below)
