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Term Life Insurance Definitions helps the buying public to become more knowledgeable of term life insurance and  permanent life insurance.

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Prudential Financial

 
 

 

  


Prudential Financial companies serve individual
and institutional customers worldwide and include The Prudential Insurance Company of America, one of the largest life insurance companies in the United States


Prudential Financial is a solid financial and insurance resource backed by a combination
of innovative products and service beyond expectations.


 Our Standout Performance
Since 1875, Prudential Financial has helped people achieve financial security and peace of mind.
Our success is based on a long history of social responsibility, strong leadership,
sound investments, and innovative products and services.

Financial Strength Ratings

Prudential Financial
Address1 751 Broad Street
Address2 n/a
City Newark
State NJ
Zip 07102
Phone Number 973/802-6000
Fax Number 973/367-8204
WebPage www.prudential.com

Rating Agency Rating Category Rating
A.M. Best Financial Strength A+
Standard & Poor's Financial Strength AA-
Moody's Financial Strength Aa3
Fitch Financial Strength AA


 Learn What Each Rating Means



 Prudential Financial Term Life Insurance

Prudential term life insurance provides life insurance protection for a "limited period of time". such as Choose from: 10, 15, 20, or 30 years. Prudential term life insurance pays a benefit if the insured dies during this period.

Although term policies do not accumulate cash value, many do offer a feature that allows you to convert to a permanent policy within a certain time.



Prudential Financial Term Life Insurance Products

 Term Essential® is a term life insurance policy with premiums that remain the same during the initial period and an option to convert the term policy to a permanent one.
  • Premiums remain the same for your choice of 10, 15, 20, or 30 years. We guarantee it!
  • If you continue coverage beyond the initial term, premiums are not guaranteed and will increase annually to age 95 (80 in New York), but will never be more than the maximum
    stated in the contract.
  • The policy can be converted to a permanent policy.

         Term Essential Overview >
Term Elite® is a term life insurance policy with premiums that remain the same during the initial period and a generous option to convert the term policy to a permanent one.
  • Premiums remain the same for your choice of 10, 15, or 20 years. We guarantee it!
  • If you continue coverage beyond the initial term, premiums will increase annually and are guaranteed to age 95 (80 in New York).
  • The policy can be converted to a permanent policy. This is available to age 65 or 5 years
    from issue, whichever is later.
  • If you convert the policy to a permanent one within the first five years, you can receive a credit, which is applied toward the permanent policy's first-year premium.

         Term Elite Overview >
PruLife® Return of Premium Term is a term life insurance policy that offers insurance protection for  beneficiaries while providing a guaranteed return of out-of-pocket policy premiums.
  • Premiums remain the same for your choice of 15, 20, or 30 years.
  • If you continue coverage beyond the initial term, premiums will increase annually and are guaranteed to age 95.
  • Your out-of-pocket premiums are guaranteed to be returned to you at the end of the level premium period. Any loans taken and not paid back plus interest owed on loans will be subtracted from the amount returned to you. Note: any premiums waived under the Waiver of Premium will not be returned.
  • The policy can be converted to a permanent policy. This is available to the earlier of age 65 or 10 years from issue, with a minimum period of 5 years from issue.
  • You must be alive at the end of the selected level premium period and the policy must still be in force at the end of the policy term you selected for you to receive the return of your premiums.

         PruLife Return of Premium Term Overview >



         Terms, conditions and availability may vary by state.
    Term Elite®, Term Essential®, and Return of Premium Term are issued by Pruco Life Insurance Company, an AZ corporation, except in New Jersey and New York, where the issuer is Pruco Life Insurance Company of New Jersey, both located at 213 Washington Street, Newark, NJ 07102. Policy form numbers are PLTI-2005, PLTIC-2005, and PLTIR-2006, respectively. Both are Prudential Financial companies. All guarantees are based
    on the claims-paying ability of the issuer. Each company is solely responsible for its
    own financial condition and contractual obligations.
    Life insurance policies contain exclusions, limitations, reductions in benefits and terms for keeping them in force. Your licensed financial professional can provide you with costs and complete details. The issuing company may have the right to contest the policy for misrepresentation or to apply a suicide clause.
    IFS-A080053 Ed. 12/2006

 
   
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TermLifeAmerica.com- Lewis Fink is licensed as an insurance agent offering Life Insurance in the following states: Alabama - AL, Arkansas - AR, California - CA, Colorado - CO, Connecticut - CT, Delaware - DE, District of Columbia - DC, Florida - FL, Georgia - GA, Idaho - ID, Illinois - IL, Indiana - IN, Iowa - IA, Kansas - KS, Kentucky - KY, Louisiana - LA, Maine - ME, Maryland - MD, Massachusetts - MA, Michigan - MI, Mississippi - MS, Missouri - MO, Montana - MT, Nebraska - NE, New Mexico - NM, New Jersey - NJ, New York - NY, North Carolina - NC, North Dakota - ND, Ohio - OH, Oklahoma - OK, Pennsylvania - PA, Rhode Island - RI, South Carolina - SC, South Dakota - SD, Tennessee - TN, Texas - TX, Utah - UT, Vermont - VT, Virginia - VA, and Wisconsin - WI.  


Not all insurance products from all insurance companies are available in all states.
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