In 1875, Prudential Financial became the first company to make life insurance affordable for the blue-collar family. Now, more than 130 years later, Prudential has grown into a financial powerhouse, with operations on four continents. Along the way, they weathered the Depression and two World Wars with the strength and stability symbolized by their symbol, the Rock of Gibraltar, which remains one of the most recognizable logos in the financial world. This enduring history only attests to the security they provide their customers.
PruLife Custom Premier II: This policy offers flexible premiums, 3 different types of death benefits, an array of investment options, and 5 different riders.
Survivorship Variable Universal Life (SVULII): This policy provides joint coverage for two individuals with a death benefit payable after the second party’s death. It offers flexible premiums and face values from $250,000 to $50 million, 2 different death benefit options, a wide selection of investment and management options, and 3 different riders.
PruSelect III: Designed for Corporate Owned Life Insurance Market, PruSelect III has flexible premiums, 3 different death benefit options, a wealth of investment options, and an automatically included Surrender Value Enhancement Rider that increases over the first 10 years.
In addition to Variable Life products, Prudential also offers term life and universal life products with competitive rates and the excellent service.
Life Insurance Riders
Access to Cash Value: Allows you to access a policy’s cash value.
Accidental Death Benefit: This rider will pay an increased death benefit if the insured party dies in an manner defined by the policy as accidental.
Children Level Term Rider: This rider can help children begin their own life insurance plan, by allowing them, up to the age of 25, to convert a parent’s policy to a permanent policy (up to 5 times the amount) without a medical exam.
Divorce and Tax Law Change Endorsement: Permits a survivorship policy to be split into two individual policies in the event of a divorce or tax law change.
Enhanced Disability Benefit: Prevents coverage from lapsing while the policyholder is disabled.
Estate Protection Rider: Meant for survivorship policies, this rider will increase the death benefit by as much as double if both insured parties die before the policy’s fourth anniversary.
Fixed Interest Rate Account Rider: Includes a fixed interest rate at a minimum of 3%.
Living Needs Benefit: Allows a terminally ill policyholder access part of his or her policy’s death benefit to help pay medical expenses.
Option to Exchange Insureds: This rider allows a company to transfer an employee’s policy to a replacement, should the policyholder leave the company.
Surrender Value Enhancement Rider: This rider increases the surrender value of the policy over the first 10 years at an unguaranteed rate.
Target Term Rider: This is a form of supplemental, flexible-term insurance in case a policyholder needs extra coverage.
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