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Prudential
Prulife® Universal Protector
Lower Pricing Effective June 11, 2018
couple with financial goals met
Improved Pricing on UL Protector

At Prudential, we strive to provide clients with a relevant suite of product solutions to help them meet their financial goals. That's why we're excited to announce reduced rates on UL Protector, which underscores our commitment to the GUL marketplace and provides your clients with the same great death benefit option at a lower cost.

Reprice Details

  • Rate reduction of approximately 3% across all level pay premiums.
  • Short pay scenarios will see moderate decreases.
  • Rate reduction of approximately 3% on BenefitAccess Rider (level pay premiums only).
  • No rate increases, no change to single pay scenarios.

Increased Competitiveness
We’ve improved our competitive positioning across the board as a result of UL Protector’s price decrease. In fact, the reprice positions us as the industry’s top leader in key cells for clients aged 65 and over.

Same Great Features

  • Flexible Lifetime Guaranteed Protection: UL Protector is a permanent life insurance policy with guaranteed lifetime protection.
  • BenefitAccess Rider (BAR): By adding BAR, clients can accelerate their death benefit should they become chronically or terminally ill, even if expected to recover. No receipts required. BAR costs are also decreased by about 3%.
  • Age Last Birthday Advantage: While most carriers use "age at nearest birthday" to determine clients’ age, we use age at last birthday, which means potentially lower premiums for clients.

A lower-priced UL Protector underscores our commitment to the no-lapse guarantee marketplace, and our promise to offer clients high-quality, cost-effective products at every stage of life.

 
 
Save the Date!

UL Protector's lower rates are part of a number of other successful enhancements we've made to our product suite in 2018. You're invited to join your hosts, Prudential's Lee Hathaway and Robert Greenwald at our upcoming webinar. They'll discuss how your clients can benefit from UL Protector's enhanced pricing structure, present effective sales strategies, and highlight some of the product's best features.

UL Protector June 2018 Reprice: Updates and Sales Strategies
Date: Monday, June 11, 2018
Time: 2:00 PM Eastern Daylight Time
Duration: 1 hour

REGISTER

 
 

TRANSITION RULES

If you have any questions,
please reach out to our sales desk
at 1-800-800-2738, Option 1.
 

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.

FOR FINANCIAL PROFESSIONAL USE ONLY. NOT FOR CONSUMER USE.
© 2018 Prudential Financial, Inc. and its related entities.
0317178-00001-00 Ed. 05/2018