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Prudential Term Life Portfolio

 

Term Essential

Term Essential — offers guaranteed level death benefit coverage with four level premium periods (10, 15, 20 or 30 years). Premiums are guaranteed for level premium period only, at the end of the guaranteed level premium period premiums increase annually and are no longer guaranteed. Term Conversion Period is the lesser of the level premium period or to age 65, but never less than 5 years.
   
 
   

Term Elite

Term Elite — provides guaranteed level death benefit coverage, offers three level premium periods (10, 15 or 20 years) with guaranteed premiums in all years and a conversion premium credit that is fully commissionable upon conversion. This product is fully convertible to the first policy anniversary on or after the insured's 65th birthday or the fifth policy anniversary, whichever is longer.
   
 
   

WorkLife 65

PruTerm WorkLife 65 offers term life insurance protection with guaranteed level premiums until age 65. WorkLife 65 automatically includes an Insured’s Waiver of Premium Benefit for both disability and unemployment. This benefit cannot be removed from the policy. Premiums are guaranteed for level premium period only, at the end of the guaranteed level premium period premiums increase annually for 20 years. WorkLife 65 is convertible to age 65.
   
   

ROP Term

PruLife Return of Premium Term provides guaranteed level premiums for the first 15, 20 or 30 years, increasing annually thereafter to age 95.  This product builds guaranteed cash value, up to 100% of the premiums paid at the end of the selected level period, if the policy is in-force.
   

 

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