NOVEMBER 19, 2018

LIFE ESSENTIALS

Now Available in NY, the Newly Enhanced VUL Protector®

We are pleased to announce that effective October 29, 2018, the newly enhanced VUL Protector is available for sale in New York.

In addition to its already cost-effective death benefit protection and cash value accumulation potential, VUL Protector now also packs a punch with:

The version of BAR that will be available on VUL Protector is the version that is currently approved in New York (2% & 4% monthly benefit options available and requires the insured to be certified as chronically ill with an expectation that they will be chronically ill for the rest of their life).

There’s More! 
A better experience for clients and you
PruFast Track speeds up the underwriting approval process and reduces requirements for a better client experience and approval in as little as 48 hours, with no invasive tests.

Transition Rules
For more information on VUL Protector or PruFast Track call your local wholesaler or the national sales desk at 1-800-800-2738 option 1.

VUL Protector variable universal life insurance 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, and offered through Pruco Securities, LLC (member SIPC). All are Prudential Financial companies located in Newark, NJ. VUL Protector is also offered by broker-dealers who have an agreement with Pruco Securities, LLC. Not available in all states.

Guarantees are based on the claims-paying ability of the issuing company and do not apply to the underlying investment options.
The availability of coverage and rates will vary based on company underwriting criteria including, but not limited to, age, sex, health history, smoking status, and residency. Underwriting rules are subject to change at our discretion.

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.

Your clients should consider the investment objectives, risks, and charges and expenses carefully before investing in the contract and/or underlying portfolios. This and other important information can be found in the prospectus and, if available, the summary prospectus. A copy of the prospectus is available from your Prudential Sales Desk. Clients should read the prospectus carefully before investing.

It is possible to lose money by investing in securities.

Prudential, the Prudential logo, and the Rock symbol are service marks of Prudential Financial, Inc. and its related entities.

1012196-00001-00 Ed. 11/2018