[ga] Pru Life's UL Portfolio Rocks

["IQ - NBC" <nbc@insiq.us>]

Title: Pru Life's UL Portfolio Rocks

 

Case Closed! Permanent Life Insurance at Affordable Rates

Whether your clients are looking to pay the Minimum Premiums needed to Endow* a policy at a specific age or pay sufficient premiums needed to guarantee** a death benefit for
life, Prudential has the answer.

PruLife Universal Protector^SM offers competitive lifetime death benefit guarantee premiums. PruLife Universal Plus^SM offers competitive minimum premiums to endow and competitive long term cash value accumulation.

And that's not all. Look what else Prudential+ has to offer...

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COMPETITIVE COMPENSATION
	Rolling Commissionable Target Premiums (R-CTP)++. First year compensation will be paid until the R-CTP is reached during the first 24 policy months.
	First year commissions that do not reduce at any issue age.
COMPETITIVE UNDERWRITING
	Issue ages 0-90
	Continuation of coverage beyond age 100 (policy has no maturity age).
	Preferred Non-Smoker category for cigar smokers, pipe smokers and smokeless tobacco users (nicotine patch and gum users also may be eligible if they have not smoked cigarettes in the last 12 months)
	Preferred Plus Smoker category for healthy Cigarette Smokers.
	Aviation: Preferred rates may be offered to commercial pilots and most student and private pilots who fly up to 200 hours per year, regardless of whether helicopters or fixed wing aircraft are flown.
	Treadmills not required for preferred rates for face amounts within our capacity limits
	Improved Ratings for Prostate Cancer, Hepatitis B & C
	Heart attack? Consider Prudential as soon as the prospect returns to normal activities
	Liberal Build Tables to qualify for Preferred rates
INCREASED CAPACITY
	$70 million capacity without the need to discuss a risk with reinsurers.
	Facultative reinsurance may be available for cases in excess of $70 million.

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* Minimum Premium to Endow is a hypothetical, non-guaranteed premium that, based on current charges and the current interest rate, would keep the policy in force to age 100. Interest rates and charges will change over time, as will the Minimum Premium to Endow. These premiums are shown as hypothetical figures based on the stated assumptions and are shown for comparative purposes only. The actual premium needed to keep the policy in force is based on actual results and may be higher or lower. ** All guarantees are based on the claims-paying ability of the issuer.
+ PruLife Universal Protector is issued by Pruco Life Insurance Company. PruLife Universal Plus also is issued by Pruco Life Insurance Company in all states except New Jersey and New York, where it is issued by Pruco Life Insurance Company of New Jersey, both Prudential Financial, Inc. companies located at 213 Washington Street, Newark, NJ 07102-2992. Each is solely responsible for its own financial condition and contractual obligations.
++ Available on contracts dated Jan. 1, 2002 & later. Not available in New York & New Jersey.
Prudential Financial is a service mark of The Prudential Insurance Company of America, Newark, NJ and its affiliates. For financial professional use only. Not for use with the public.
IFS-A072238 Ed. 7/2002 Exp. 12/2003

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