Life insurance search. Variable Universal Life Insurance, Prudential Financial

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This policy may be for you if your focus is on protection and if you can take on moderate risk in pursuit of moderate returns.

Regardless of whether the cash value goes up or down, this policy offers a No-Lapse Guarantee. It can help keep your life insurance in place for your family. This policy offers no-lapse guarantee options that can last for the rest of your life, if you so choose.

You may be able to extend the No-Lapse Guarantee period with the Lapse Protection Enhancement feature (not available in New York). It also may cause premium payments to be lowered. This depends on how well your policy performs.

Tailor your policy

You can build this policy with optional features. These are called riders. Riders can help you:

If you become seriously ill.

See the Living Needs Benefit

and the BenefitAccess Rider.

If you become disabled. See the Enhanced Disability Benefit.

If you would like to provide an additional death benefit to your family. See the Accidental Death Benefit.

If you plan to use the cash value at some point. Seethe Overloan Protection Rider and the Enhanced Cash Value Rider.

If you would like to get life insurance coverage for your minor children. Seethe Children Level Term Rider.

If you’re a business owner and need to give up, or surrender, your policy in the early years. See the Enhanced Cash Value rider. It’s an optional benefit that will help your policy gain higher cash value.

Learn more about the riders available on VUL Protector

Discover VUL Protector's underlying investment options PDF Opens in a New Window

You may want this policy if you have a need for protection and your focus is on long-term growth. This may be right for you if you can take on a higher level of risk for the potential of higher returns.

In the early years, your policy may not have enough value to take on any downturns in the underlying investment options. So, this policy offers two No-Lapse Guarantee Periods. They’re designed to give you protection from lapse in the early years of the policy.

Short Term – For ages 0 – 59 years, it’s 8 years. For ages 60+, it’s 6 years.

5 year term life insurance policy

Limited – For all ages, the period is the greater of 10 years or age 75.

Tailor your policy

You can build this policy with optional features. These are called riders. Riders can help you:

If you become seriously ill.

See the Living Needs Benefit

and the BenefitAccess Rider.

If you become disabled. See the Enhanced Disability Benefit.

If you would like to provide an additional death benefit to your family. See the Accidental Death Benefit.

If you plan to use the cash value at some point. Seethe Overloan Protection Rider and the Enhanced Cash Value Rider.

If you would like to get life insurance coverage for your minor children. See the Children Level Term Rider.

Learn more about the riders available on PruLife Custom Premier II

Discover PruLife Custom Premier II’s underlying investment options PDF Opens in a New Window

View PruLife Custom Premier II's prospectus and performance &

If your focus is leaving a legacy for the next generation or your favorite charity, this policy may be a good option. This policy covers the lives of two people, paying the death benefit after both have died. With this policy, you take on investment risk for the possibility of higher returns. The amount of risk and potential reward depend on the underlying investment options you select.

This policy offers a No-Lapse Guarantee. Regardless of whether the cash value goes up or down, the guarantee can help keep your life insurance in place.

Tailor your policy

You can build this policy with optional features. These are called riders. Riders can help you:

If you need to increase the cash surrender value during the early years of the policy. See the Enhanced Cash Value Rider.

If you’d like the option to split the policy into two individual policies in the event of divorce or if the unlimited marital deduction is repealed. See the Guaranteed Policy Split Rider.

How do i get life insurance

If you plan on taking substantial loans

and want to prevent them from causing the policy to lapse.

See the Overloan Protection Rider.

If your policy is part of your estate planning for couples. See the Estate Protection Rider.

Learn more about the riders available on PruLife SVUL Protector

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Footnote

Loans are charged interest; they are usually not taxable. Withdrawals are generally taxable to the extent they exceed basis in the policy. Unpaid loans and withdrawals: reduce cash values and death benefits; may reduce the duration of the guarantee against lapse, which may lapse the policy; and may have tax consequences.

Subject to the terms and conditions of the rider.

About the No-Lapse Guarantee.

Generally, the more premiums you pay, the longer the guarantee will last. The length of the guarantee will vary and may or may not keep your policy in effect for the length of time you want. The guarantee is based on several factors, including:

The amount and timing of your premium payments.

How often you pay premiums.

Whether you take any policy loans or withdrawals.

Please note that, by paying only the premium required for the guarantee, you may be forgoing the potential to build tax-deferred cash value. While these policies offer the potential to build cash value, this is not their primary purpose.

Canceling your policy.

If you choose to cancel your policy within a certain number of years, you will incur a surrender charge. For VUL Protector and PruLife SVUL Protector, these charges apply for the first 14 years; for PruLife Custom Premier II, they apply for the first 10 years. The surrender charges, which decline over these years, reduce the policy’s cash surrender value. The policy’s cash surrender value is the accumulated value less the surrender charges and any outstanding loan. Other charges include, but are not limited to, premium-based administrative charges and monthly charges including the cost of insurance.

Other important information.

Guarantees are based on the claims-paying ability of the issuing insurance company and do not apply to the underlying investment options.

PruLife Custom Premier II, VUL Protector, and PruLife SVUL Protector are issued by Pruco Life Insurance Company in all states except New York, where they are issued by Pruco Life Insurance Company of New Jersey, and 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. They are also offered by broker-dealers who have an agreement with Pruco Securities, LLC. The PruLife Custom Premier II contract number is VUL-2015, ICC15 VUL-2015. The VUL Protector contract number is ICC15 VULNLG-2015 or VULNLG-2015 (VULNLG-2014 in NY) and may be followed by a state PruLife SVUL Protector contract number is SVUNLG-2017 or ICC17 SVUNLG-2017 and may be followed by a state code. SVUL Protector may not be available in all states.

Whole term life insurance

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.

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, 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.

Riders

Not all riders are available on all policies and in all states. The rider form numbers may all be followed by a state code:

: ORD 87241 and ORD 87335; there may be state variations.

BenefitAccess Rider: VL 145 B3-2014, VL 145 B4-2016 or ICC16 VL 145 B4-2016, VL 145 B5-2017 or ICC17 VL 145 B5-2017.

Accidental Death Benefit: VUL Protector (VL 110 B-2000); PruLife Custom Premier II (VL 110 B-2000). Not available in MA.

Children Level Term: VUL Protector (VL 182 B-2005); PruLife Custom Premier II (VL 182 B-2005).

Enhanced Disability Benefit: VUL Protector (VL 100 B4-2010) or in CA (VL 100 B4-2010 (ED 2014)); PruLife Custom Premier II (VL 100 B-2007).

Enhanced Cash Value: VUL Protector (PLI 496-2014 or ICC14 PLI 496-2014); PruLife Custom Premier II (PLI 496-2014) (ICC14 PLI 496-2014); PruLife SVUL Protector PLI 496-2014 or ICC14 PLI 496-2014. (Not available in NY.)

Overloan Protection: VUL Protector (PLI 518-2008 or PLY 123-2008 NY); PruLife Custom Premier II (PLI 518-2008, PLY123-2008 NY); PruLife SVUL Protector PLI 552-2017 or ICC17 PLI 552-2017 or PLY 141-2017

Rider to Provide Lapse Protection: VUL Protector PLY 126-2014 for use with VULNLG-2014 in NY; PLI 522-2015 or ICC15 PLI 522-2015 for use with VULNLG-2015 or ICC15 VULNLG-2015; PruLife SVUL Protector PLI 551-2017 or ICC17 PLI 551-2017, PLY 140-2017.

Estate Protection Rider: VL 194 C-2015 or ICC15 VL 194 C-2015.

Guaranteed Policy Split Rider: PLI 493-2015 or ICC15 PLI 493-2015 or PLY 118-2015.

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