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  September 18, 2020

VUL Protector Price Change – Effective October 19

We’re focused on maintaining our competitive position, even in a persistently low interest rate environment. As of October 19, 2020, VUL Protector rates will, unfortunately, increase. Rates applied to individual policies will vary by age, underwriting class, gender, and premium funding pattern. Despite these rate increases, VUL Protector remains one of the most competitive variable life insurance products available.

Get the Transition Rules Here

VUL Protector Is #1 In Sales for Many Important Reasons1
VUL Protector is one of the most competitive variable life insurance products available because it offers the advantages of:

  • Premium Flexibility: Clients choose how much and how often premium payments are made.
  • Choice of Death Benefit: Choice of fixed or variable.
  • Choice of Over 60 Underlying Investment Options: Potential cash value accumulation based on a client’s goals and risk tolerance.
  • A Highly Competitive No-Lapse Guarantee: Up to a lifetime, based on a client’s planned premium payments.
  • Customization: Additional protection benefits will provide coverage for young children, pay an additional benefit if clients die as a result of an accident, and more! (Additional costs apply.)
  • Optional Benefits for Chronic or Terminal Illness While Living: Clients can accelerate the death benefit through a policy rider if they become chronically or terminally ill, even if they’re expected to recover. There are no receipts required and no limits on how to use the money.2

Prudential is #1 in the VUL insurance market1 because we provide you with competitive products and innovative support to grow your business. Give your Prudential representative a call to uncover opportunities that may already be in your book and for help closing more cases.


1 LIMRA International Quarterly Sales Survey, June 30, 2020.
2 The BenefitAccess Rider is an optional rider that accelerates the life insurance death benefit when the insured is terminally ill or is chronically ill as defined in the rider. 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.

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 only be made if the payments are subject to favorable tax treatment by the federal government. 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 for favorable tax treatment.

All guarantees and benefits of the insurance policy are backed by the claims-paying ability of the issuing insurance company and do not apply to the underlying investment options.

Life insurance is issued by The Prudential Insurance Company of America, Pruco Life Insurance Company (except in NY and/or NJ), and Pruco Life Insurance Company of New Jersey (in NY and/or NJ). Variable universal life policies are offered by Pruco Securities, LLC. All are Prudential Financial companies located at 213 Washington Street, Newark, NJ.

This material is being provided for informational or educational purposes only and does not take into account the investment objectives or financial situation of any clients or prospective clients. The information is not intended as investment advice and is not a recommendation about managing or investing clients' retirement savings. Clients seeking information regarding their particular investment needs should contact a financial professional.

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 may be obtained from Clients should read the prospectus carefully before investing.

It is possible to lose money by investing in securities.

© 2020 Prudential Financial, Inc. and its related entities.
1040401-00001-00  Ed. 09/2020