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Prudential financial insurance | prudential policy | prudential insurance commercial | prudential - YouTube
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founded in 1875 prudential is a financial聽
services company that offers a range of products聽聽
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including life insurance health insurance聽
annuities and investment options with over four聽聽
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trillion dollars of gross life insurance in force聽
worldwide prudential is one of the largest life聽聽
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insurance companies in the country the company聽
provides customers with term and universal life聽聽
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insurance policies whether you need coverage so聽
your loved ones have protection if you pass away聽聽
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or you want a plan that can continue your business聽
after you're gone prudential has options for you聽聽
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pros and cons pros multiple universal life聽
policies available robust online resources聽聽
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and tools you can consult with a financial聽
professional to choose an insurance plan聽聽
[49]
cons medical history required聽
required to get a quote聽聽
[52]
online quotes not available for some policies聽
final expense policies are not available
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top rated for best life insurance best universal聽
life insurance best life insurance companies for聽聽
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seniors pros explained multiple universal life聽
policies available universal life policies are聽聽
[77]
a form of permanent life insurance with flexible聽
premiums and a cash value that can earn interest聽聽
[83]
prudential has eight different universal life聽
policies to choose from based on your needs and聽聽
[87]
goals robust online resources and tools prudential聽
has a range of online tools and resources聽聽
[93]
including a life insurance calculator to help聽
you determine how much coverage you need quizzes聽聽
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you can take to narrow down your options and聽
explanatory articles about life insurance concepts聽聽
[103]
you can consult with a financial聽
professional to choose an insurance plan聽聽
[107]
while other companies have insurance agents you聽
can talk to prudential connects customers with聽聽
[112]
financial professionals these professionals聽
are typically certified financial advisors聽聽
[117]
or chartered financial consultants that聽
can help you select the best plan based聽聽
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on your budget financial needs and how聽
actively you want to manage your policy
[136]
foreign
[153]
medical history required prudential's plans聽
require you to give your medical history聽聽
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there's no hiding those cost adding conditions聽
many plans even require a medical exam in addition聽聽
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to your history no exam plans are more expensive聽
too online quotes not available for some policies聽聽
[170]
quotes and purchases of term life policies can聽
be done quickly online but for other policies聽聽
[175]
you have to speak to an agent final expense聽
policies are not available final expense聽聽
[180]
policies are inexpensive basic policies that聽
typically don't require a medical exam they are聽聽
[186]
only intended to cover your burial expenses聽
unfortunately prudential doesn't offer them
[196]
cons explained medical history required聽
prudential's plans require you to give your聽聽
[200]
medical history there's no hiding those cost聽
adding conditions many plans even require a聽聽
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medical exam in addition to your history no exam聽
plans are more expensive too online quotes not聽聽
[212]
available for some policies quotes and purchases聽
of term life policies can be done quickly online聽聽
[217]
but for other policies you have to speak to an聽
agent final expense policies are not available聽聽
[223]
final expense policies are inexpensive basic聽
policies that typically don't require a medical聽聽
[228]
exam they are only intended to cover your burial聽
expenses unfortunately prudential doesn't offer聽聽
[234]
them the smallest policy it has is a 100 000 term聽
life plan note in terms of direct premiums written聽聽
[241]
prudential is the fifth largest writer of聽
individual life insurance in the country聽聽
[246]
available plans prudential has 11 different聽
life insurance plans to choose from including聽聽
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term life policies and universal life policies聽
many of its plans require medical exams and all聽聽
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require medical history but qualified candidates聽
can get online quotes for term life policies聽聽
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and even complete the purchase online all other聽
customers including those shopping for universal聽聽
[268]
life coverage will have to contact a financial聽
professional to get a quote and apply for a policy
[281]
term life term life insurance is an affordable聽
coverage option that gives you coverage for a聽聽
[286]
set period such as 10 20 or 30 years you make聽
regular premium payments throughout your term聽聽
[292]
and your beneficiary receives the death benefit聽
if you die during the time that you're covered聽聽
[297]
term essential term essential is聽
prudential's most affordable policy聽聽
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you can get 100 000 to 10 million dollars聽
in coverage and choose a term of 10聽聽
[306]
15 20 or 30 years your premiums stay聽
the same for the length of your term聽聽
[311]
and you can convert your policy to permanent life聽
insurance without undergoing another medical exam聽聽
[316]
term elite term elite provides similar coverages聽
to term essential but has an added benefit聽聽
[322]
if you choose to convert your policy to permanent聽
coverage within the first five years you will聽聽
[326]
receive a credit on your first year premium聽
printer one unlike other term policies proterm聽聽
[332]
one only offers coverage one year at a time it's聽
best for business owners who may have business聽聽
[337]
loans or lines of credit to pay off and who don't聽
need long-term policies universal life universal聽聽
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life insurance policies combine permanent聽
insurance with an investment savings element聽聽
[349]
prudential offers one basic universal life policy聽
pro-life essential l with this plan you can leave聽聽
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a death benefit to your beneficiaries and access聽
cash value when you need it your beneficiaries聽聽
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will receive the death benefit free from income聽
taxes and your policy can help offset estate taxes
[384]
indexed universal life with an indexed universal聽
life policy you have more growth potential your聽聽
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cash value can fluctuate based on the performance聽
of a stock index such as the s p 500 prudential聽聽
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has two indexed universal life policies pro-life聽
founders plus all this plan can build cash value聽聽
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you can access this money for anything you choose聽
including additional income during retirement聽聽
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you can choose to build cash value through a fixed聽
declared interest rate basic interest or the other聽聽
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option is tied to the performance of the s p 500聽
however the latter option does not pay dividends聽聽
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pro-life index advantage all this policy has聽
the greatest potential to grow cash value聽聽
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it has four different options to build cash value聽
one is based on a fixed declared interest rate the聽聽
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other three are based on the performance of the聽
s p 500 but do not include dividends survivorship聽聽
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universal life pro-life school protector this聽
plan covers two people and pays a death benefit聽聽
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when the second insured person passes away there聽
is a death benefit guarantee meaning the policy聽聽
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will provide the death benefit when you die as聽
long as you pay the lifetime no lapse premiums聽聽
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pro-life survivorship index all an indexed聽
universal life policy the pro-life survivorship聽聽
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index all plan is designed to grow and protect聽
a legacy for your children or grandchildren聽聽
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it covers two people and only pays the death聽
benefit when both covered persons have died聽聽
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it has the potential to build cash value and聽
has a modest guaranteed minimum interest rate聽聽
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variable universal life variable universal life聽
insurance policies are best for people who want聽聽
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to take a more active role in managing their plans聽
variable universal life insurance policies combine聽聽
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protection with the potential to accumulate聽
cash value through underlying investment options聽聽
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you choose from the underlying investment options聽
based on your risk tolerance and goals and the聽聽
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value of your money can change over time you聽
will typically need to check on your policy and聽聽
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investment options periodically often with聽
the assistance of a financial professional聽聽
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to build cash value you make payments beyond the聽
cost of your insurance the money is placed into聽聽
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the underlying investment options and you can聽
access the money through withdrawals or loans
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prudential has three variable universal life聽
policies vul protector if your primary focus聽聽
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is on providing your family with protection聽
then the vul protector plan may be for you聽聽
[533]
it may provide moderate returns with moderate聽
levels of risk it offers a no-lapse guarantee聽聽
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that can last for the rest of your life聽
pro-life custom premier 2 if you're younger聽聽
[543]
and looking for long-term growth you may want聽
to consider the pro-life custom premier 2 plan聽聽
[548]
it has a higher level of risk but聽
the potential for higher returns聽聽
[552]
the policy offers two no-lapse guarantee periods聽
to give you protection from a lapse in the early聽聽
[557]
years of your policy when you might not have聽
enough value accumulated to take on any downturns聽聽
[562]
in the underlying investment options pro-life聽
svul protector if you want to leave a legacy to聽聽
[568]
your loved ones or a charity the pro-life聽
svul protector plan may be a good option聽聽
[573]
this policy covers two people and pays the death聽
benefit after the second insured person dies聽聽
[579]
the amount of risk and returns is dependent on聽
your choice of underlying investment options聽聽
[584]
this policy also offers a no-lapse聽
guarantee available writers writers also聽聽
[589]
known as insurance endorsements are optional聽
features you can add to your insurance policy聽聽
[594]
writers can be used to enhance adjust聽
and customize your coverage and tailor聽聽
[598]
your plan to meet your needs most riders are only聽
available when you purchase or renew your policy聽聽
[605]
writers usually have an additional cost聽
and may have added underwriting criteria聽聽
[609]
not all writers listed below are available聽
with every policy type certain policy types聽聽
[614]
only offer certain writers prudential offers the聽
following riders accidental death if you're in聽聽
[620]
an accident that directly causes your death the聽
accidental death rider provides an additional聽聽
[625]
death benefit to your family this rider has an聽
added cost and is not available in massachusetts
[634]
prudential has three variable universal life聽
policies vul protector if your primary focus聽聽
[640]
is on providing your family with protection聽
then the vul protector plan may be for you聽聽
[645]
it may provide moderate returns with moderate聽
levels of risk it offers a no-lapse guarantee聽聽
[650]
that can last for the rest of your life聽
pro-life custom premier 2 if you're younger聽聽
[655]
and looking for long-term growth you may want聽
to consider the pro-life custom premier 2 plan聽聽
[660]
it has a higher level of risk but聽
the potential for higher returns聽聽
[664]
the policy offers two no-lapse guarantee periods聽
to give you protection from a lapse in the early聽聽
[669]
years of your policy when you might not have聽
enough value accumulated to take on any downturns聽聽
[673]
in the underlying investment options pro-life聽
svul protector if you want to leave a legacy to聽聽
[680]
your loved ones or a charity the pro-life聽
svul protector plan may be a good option聽聽
[685]
this policy covers two people and pays the death聽
benefit after the second insured person dies聽聽
[690]
the amount of risk and returns is dependent on聽
your choice of underlying investment options聽聽
[696]
this policy also offers a no lapse guarantee聽
available writers writers also known as聽聽
[701]
insurance endorsements are optional features聽
you can add to your insurance policy writers聽聽
[706]
can be used to enhance adjust and customize your聽
coverage and tailor your plan to meet your needs聽聽
[712]
most writers are only available when聽
you purchase or renew your policy聽聽
[716]
writers usually have an additional cost聽
and may have added underwriting criteria聽聽
[721]
not all writers listed below are available聽
with every policy type certain policy types聽聽
[726]
only offer certain writers prudential offers the聽
following riders accidental death if you're in聽聽
[732]
an accident that directly causes your death the聽
accidental death rider provides an additional聽聽
[736]
death benefit to your family this rider has an聽
added cost and is not available in massachusetts聽聽
[745]
prudential has three variable universal life聽
policies pul protector if your primary focus聽聽
[751]
is on providing your family with protection聽
then the vul protector plan may be for you聽聽
[756]
it may provide moderate returns with moderate聽
levels of risk it offers a no-lapse guarantee聽聽
[761]
that can last for the rest of your life聽
pro-life custom premier 2 if you're younger聽聽
[766]
and looking for long-term growth you may want聽
to consider the pro-life custom premier 2 plan聽聽
[771]
it has a higher level of risk but聽
the potential for higher returns聽聽
[775]
the policy offers two no-lapse guarantee periods聽
to give you protection from a lapse in the early聽聽
[780]
years of your policy when you might not have聽
enough value accumulated to take on any downturns聽聽
[785]
in the underlying investment options pro-life聽
svul protector if you want to leave a legacy to聽聽
[791]
your loved ones or a charity the pro-life聽
svul protector plan may be a good option聽聽
[796]
this policy covers two people and pays the death聽
benefit after the second insured person dies聽聽
[802]
the amount of risk and returns is dependent on聽
your choice of underlying investment options聽聽
[807]
this policy also offers a no lapse聽
guarantee available riders riders also聽聽
[812]
known as insurance endorsements are optional聽
features you can add to your insurance policy聽聽
[817]
writers can be used to enhance adjust and聽
customize your coverage and tailor your聽聽
[821]
plan to meet your needs most writers are only聽
available when you purchase or renew your policy聽聽
[828]
writers usually have an additional cost聽
and may have added underwriting criteria聽聽
[832]
not all writers listed below are available with聽
every policy type certain policy types only offer聽聽
[838]
certain writers prudential offers the following聽
riders accidental death if you're in an accident聽聽
[844]
that directly causes your death the accidental聽
death rider provides an additional death benefit聽聽
[848]
to your family this rider has an added cost and聽
is not available in massachusetts life policies聽聽
[855]
and even complete the purchase online all other聽
customers including those shopping for universal聽聽
[860]
life coverage will have to contact a financial聽
professional to get a quote and apply for a policy
[873]
term life term life insurance is an affordable聽
coverage option that gives you coverage for a聽聽
[878]
set period such as 10 20 or 30 years you make聽
regular premium payments throughout your term聽聽
[884]
and your beneficiary receives the death benefit聽
if you die during the time that you're covered聽聽
[889]
term essential term essential is prudential's most聽
affordable policy you can get one hundred thousand聽聽
[894]
dollars to ten million dollars in coverage and聽
choose a term of 10 15 20 or 30 years your premium
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