PruLife Universal Protector
- and -
Prulife Universal Plus
ROCK!
Case Closed! Permanent Life Insurance at Affordable Rates
Whether your clients are looking to pay the Minimum Premiums needed to
Endow* a policy at a specific age or pay sufficient premiums needed to
guarantee** a death benefit for
life, Prudential has the answer.
PruLife Universal ProtectorSM offers competitive lifetime death benefit
guarantee premiums. PruLife Universal PlusSM offers competitive minimum
premiums to endow and competitive long term cash value accumulation.
And that's not all. Look what else Prudential+ has to offer...
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COMPETITIVE COMPENSATION
Rolling Commissionable Target Premiums (R-CTP)++.
First year compensation will be paid until the R-CTP is reached during
the first 24 policy months.
First year commissions that do not reduce at any issue age.
COMPETITIVE UNDERWRITING
Issue ages 0-90
Continuation of coverage beyond age 100 (policy has no maturity
age).
Preferred Non-Smoker category for cigar smokers, pipe smokers
and smokeless tobacco users (nicotine patch and gum users also may be
eligible if they have not smoked cigarettes in the last 12 months)
Preferred Plus Smoker category for healthy Cigarette Smokers.
Aviation: Preferred rates may be offered to commercial pilots
and most student and private pilots who fly up to 200 hours per year,
regardless of whether helicopters or fixed wing aircraft are flown.
Treadmills not required for preferred rates for face amounts
within our capacity limits
Improved Ratings for Prostate Cancer, Hepatitis B & C
Heart attack? Consider Prudential as soon as the prospect
returns to normal activities
Liberal Build Tables to qualify for Preferred rates
INCREASED CAPACITY
$70 million capacity without the need to discuss a risk with
reinsurers.
Facultative reinsurance may be available for cases in excess of
$70 million.
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* Minimum Premium to Endow is a hypothetical, non-guaranteed premium
that, based on current charges and the current interest rate, would keep
the policy in force to age 100. Interest rates and charges will change
over time, as will the Minimum Premium to Endow. These premiums are
shown as hypothetical figures based on the stated assumptions and are
shown for comparative purposes only. The actual premium needed to keep
the policy in force is based on actual results and may be higher or
lower. ** All guarantees are based on the claims-paying ability of the
issuer.
+ PruLife Universal Protector is issued by Pruco Life Insurance Company.
PruLife Universal Plus also is issued by Pruco Life Insurance Company in
all states except New Jersey and New York, where it is issued by Pruco
Life Insurance Company of New Jersey, both Prudential Financial, Inc.
companies located at 213 Washington Street, Newark, NJ 07102-2992. Each
is solely responsible for its own financial condition and contractual
obligations.
++ Available on contracts dated Jan. 1, 2002 & later. Not available in
New York & New Jersey.
Prudential Financial is a service mark of The Prudential Insurance
Company of America, Newark, NJ and its affiliates. For financial
professional use only. Not for use with the public.
IFS-A072238 Ed. 7/2002 Exp. 12/2003
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