Prudential

Life insurance that can also help protect retirement goals from derailers.

March 2019

If rising costs, serious illness, or taxes could upset the retirement clients have planned for, take a look at the revised PruLife® Custom Premier II.

It offers death benefit protection, tax advantages, and potential supplemental retirement income—all from one product. The addition of an Indexed Account Rider and a more generous BenefitAccess Rider will supplement Custom Premier II’s already strong cash value accumulation potential.

One solution for many needs

A unique combination of tax advantages and living benefits gives your clients one strong solution for many needs.

  • Tax-efficiency. In addition to the generally income-tax-free¹ death benefit, any cash value accumulation in the policy is tax-deferred and any distributions are tax-free up to basis.²
  • Cash value growth potential. A new Indexed Account Rider can help to offset more potentially volatile options. Both aggressive and more balanced investment options give clients the potential to accumulate significant cash value.
  • Options for the unexpected. The BenefitAccess Rider can give clients financial options if they become chronically or terminally ill, even if the condition is not permanent.³ (Not available in CA and NY.)

Experienced Investment Professionals and a Robust Investment Platform

Clients can choose from a broad array of underlying investment options that include:

  • Ready-made asset allocation options and customized portfolios.
  • Experienced management that’s focused on meeting high standards.
  • Impressive historical returns.

In 2018:

87% of the investment options returned more than 6% over the last 10 years.

63% of the funds had returns of double digits during this same period.⁴

Technology-Enabled Servicing Tools

Improve the customer experience and free up time to spend with clients with these capabilities:

  • Accelerated underwriting through PruFast Track.
  • Online policy management with LifeInsight.
  • Historical illustrations.

For questions or a customized illustration, contact your Prudential Representative.

¹ According to IRC §101(a).

² Accessing cash value will reduce policy values, could void the no-lapse guarantee, and may have tax consequences.

³ And meets the terms and conditions of the rider. 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 not expected to recover from the condition. It is not Long-Term Care (LTC) insurance. Benefits received under the rider will reduce and may deplete the death benefit. Electing the BenefitAccess 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.

⁴ Morningstar, 2018.

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

PruLife Custom Premier II 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 and offered through Pruco Securities, LLC (member SIPC). All are Prudential Financial companies located in Newark, NJ. Some sub-accounts or underlying investment options may not be available through all broker-dealers. Please contact your wholesaler for more information.

Clients should 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 information as well as other important information. A copy of the prospectus(es) may be obtained by contacting your Prudential Life Wholesaler or from www.prudential.com. Clients should read the prospectus(es) carefully before investing.

It is possible to lose money by investing in securities.

FOR FINANCIAL PROFESSIONAL USE ONLY. NOT FOR CONSUMER USE.
© 2019 Prudential Financial, Inc. and its related entities.
1018893-00001-00  Ed. 03/2019