We’ve lowered rates on one of our most popular products, improving our competitive positioning across the board.
 
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Prudential
PRULIFE® UNIVERSAL PROTECTOR
Lower Priced, More Competitive!
couple with financial goals met
Improved Pricing on UL Protector

We’re excited to announce reduced rates on UL Protector, which provides clients with the same great death benefit option at a lower cost.

Reprice Details
  • Average rate reduction of 3% across all level pay premiums.
  • Average rate reduction of 3% on BenefitAccess Rider (BAR) (level pay premiums only).
  • No rate increases, no change to single pay scenarios.
Increased Competitiveness
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We've improved our competitive positioning across the board as a result of UL Protector's price decrease. In fact, the reprice positions us among the industry's top leaders in key cells for clients aged 65 and over.
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Attractive Features
  • 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.
  • Flexible Lifetime Guaranteed Protection: UL Protector is a permanent life insurance policy with guaranteed lifetime protection. A lower-priced UL Protector demonstrates our commitment to the GUL marketplace.
  • 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.
The UL Protector repricing underscores our promise to offer clients high-quality, cost-effective products at every stage of life.

Start the UL Protector conversation with clients using our "Why UL Protector?" flyer as a guide. This one-pager gives you all you’ll need to drive effective discussions.


WHY UL PROTECTOR >
 
TRANSITION RULES >
 
STATE APPROVALS >


If you have any questions, please reach out to our
sales desk at 844-606-7870, 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.
1001031-00001-00 Ed. 06/2018