Ensuring Ultimate Life Coverage
Prudential Financial Life Insurance offers several Term, Universal and Variable Universal Plans and add ons (i.e riders) which help ensure you and your family obtain the ultimate life coverage no matter how long you choose to be covered.
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Term Life Life Insurance Product
Term Essential®
Ideal for those who seek an affordable entry into life insurance. This plan offers guaranteed level premium for periods of 10, 15, 20 or 30 years, as well as additional protection options which provide life insurance protection to your children, additional benefits in the event of death and more.
Term Elite®
Offers guaranteed level premium for periods of 10, 15, 20 or 30 years and can be used as a stepping stone into permanent life insurance coverage. You may be eligible for a conversion credit if you convert to permanent coverage within the first 5 years of the policy.
Pru Term® WorkLife 365
A useful tool for those who seek protection during their working years. Premiums in this plan remain level until age 65 and is eligible for conversion to permanent coverage up to this age. Additional protection options which provide life insurance protection to your children are available in this policy. Your policy may be eligible to remain in force and premiums waived if you find become disabled by age 65 or unemployed (certain restrictions apply).
Pru Life® Return of Premium Term
Offers guaranteed level premium for periods of 15, 20 or 30 years, as well as the guarantee that your money will be returned if you outlive the level-premium period (certain restrictions apply). This plan provides the option to accelerate your death benefit should you become terminally ill. The option to convert to permanent coverage is available to the end of the level-premium period of up to age 65 (whichever comes first), but never less than 5 years.
PruTerm SM One
Also a stepping stone into permanent life insurance, with flexible coverage that lasts from 1-5 years. While terms are shorter than other temporary policies, this plan provides the option to accelerate your death benefit should you become terminally ill and is renewable up to the age of 95. The option to convert to permanent coverage is available through the end of the 5th anniversary of the plan.
All Term Life plans offer a variety of additional qualifying benefits which help boost coverage and offer the ultimate security.
Universal Life Insurance Options
Pru Life® Universal Protector
Guarantees lifetime protection and provides the security you need for your business and trust and estate planning. It allows you to create a plan to help care for a loved one with special needs and features a guaranteed death benefit.
Pru Life® Universal Plus
Guarantees lifetime protection and provides a cash value growth potential and allows you to supplement your income using distributions from your policy. This plan provides the security you need for your business and trust and estate planning.
Pru Life® Index Advantage UL
Guarantees lifetime protection and provides a cash value growth potential and allows you to supplement your income using distributions from your policy. Cash value growth is based on performance on the S&B 500® Index. This plan offers a higher cash value growth potential than other universal life policies, as well as protection against the negative impacts of market losses.
Pru Life® SUL Protector
Protects two people under one policy and guarantees lifetime protection. This plan provides the security you need for your business and trust and estate planning and provides a death benefit to your children after you and your spouse pass away.
Pru Life® Founders Plus UL
Offers flexible premiums and added flexibility of cash value accumulation and access. This cash value growth potential is based on two distinct account options, including one which is based on S&B 500® performance. This policy allows you to create a plan to help care for a loved one with special needs.
All Universal Life plans offer a variety of additional qualifying benefits which help boost coverage and offer the ultimate security.
Variable Life Insurance Products
VUL Protector®
Offers cost-effective death benefit protection and a No Lapse Guarantee. This plan also offers potential to build cash value through 22 available underlying investment options. This cash value can come in handy to help supplement income, make a major purchase, donate to charity, etc.
Pru Life Custom Premier II®
Offers death benefit protection and the potential to build cash value, with over 60 underlying investment options to choose from.
Matching You With The Best Policy
We understand that going through the different types of insurance policies can be confusing and time consuming. Our goal is to step in and help you narrow down to providers and plans which meet your specific needs. Not only will this help you save time but it can help you save money in the long run. Call our Pembroke Pines or Miami office today if you are interested in receiving more information and a free quote.
