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Improved UL Protector pricing
makes GUL competitive positioning even sharper

Reduced Rates Coming March 18, 2019
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On March 18 we’re reducing rates of PruLife® Universal Protector by an average of 3% for most level pay premiums, which means clients can get guaranteed lifetime protection for less. This price decrease positions us among the industry’s top leaders and makes us even more competitive.

Same Great Guarantee*
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UL Protector is a permanent life insurance policy with guaranteed lifetime protection as long as premium requirements are met, OR required premiums are paid. Clients can sleep at night knowing their loved ones will receive a tax-advantaged death benefit when they die.
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Additional Attractive Features
  • Age Last Birthday Advantage: While most carriers use “age at nearest birthday” to determine clients’ age, we use age at last birthday, which means lower premiums for clients.
  • PruFast Track: Our accelerated underwriting process that eliminates paperwork, skips medical exams, and creates an overall better experience for clients.
  • BenefitAccess Rider (BAR): By adding BAR, clients can accelerate their death benefit should they become chronically or terminally ill, even if expected to recover.**
  • The Strength of Prudential: Prudential Financial has a more than a 140-year history of honoring its promises, so clients can be confident that we’ll be there when they need us.*

The UL Protector repricing underscores our promise to offer clients high-quality, cost-effective guaranteed products at every stage of life. Learn more about the UL Protector guarantee.


Get the Transition Rules


For questions, contact your Prudential Representative.




*Guarantees are based on the claims-paying ability of the issuing insurance company.

PruLife Universal Protector is issued by Pruco Life Insurance Company in all states except New York, where it is issued by Pruco Life Insurance Company of New Jersey. Both are Prudential Financial companies located in Newark, NJ.

**The BenefitAccess Rider is an optional rider that accelerates the life insurance death benefit when the insured is terminally ill or is chronically ill and otherwise meets the terms of the rider. It is not Long-Term Care (LTC) insurance. Benefits received under the rider will reduce and may deplete the death benefit. Electing this 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.

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 be made only 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. Benefit payments may be reduced or unavailable if they are expected to exceed the maximum amount eligible under Internal Revenue Code Section 101(g)(1) and all other applicable sections of federal law.

Prudential, the Prudential logo, and the Rock symbol are service marks of Prudential Financial, Inc. and its related entities.

FOR FINANCIAL PROFESSIONAL USE ONLY. NOT FOR CONSUMER USE.
© 2018 Prudential Financial, Inc. and its related entities.
1016619-00001-00 Ed. 02/2019