PERMANENT COVERAGE DESIGNED
TO BE AFFORDABLE IN THIS
LOW INTEREST RATE ENVIRONMENT?
TO FEEL GOOD ABOUT.
PruLife® Index Advantage UL (Advantage UL) is a death
benefit-oriented policy that’s designed to help keep out-of-pocket payments affordable in times like these.
DEATH BENEFIT FOCUS
While other IULs are built for accumulation, Advantage UL
is focused on death benefit protection.
Clients have the opportunity to build potential cash
value—which could lower their lifetime out-of-pocket costs—
by choosing between two simply designed interest-crediting
accounts. And, our 25-year look-back helps set realistic
expectations of potential performance and premiums.*
So you can present with confidence.
LOW EXPENSE STRUCTURE
Advantage UL’s straightforward design allows for a lower
cost structure, compared to other IULs in the marketplace.**
To learn more, contact your Brokerage General Agency
or visit prudential.com/AdvantageUL
*Past performance does not guarantee future results. **When comparing 20 and 30 years of cumulative policy charges for policies starting at ages 35-55 with other IUL competitors.
PruLife Index Advantage UL is issued by Pruco Life Insurance Company in all states except in New York where, if available, it is issued by Pruco Life Insurance Company of New Jersey.
Both are Prudential Financial companies located in Newark, NJ and are solely responsible for their own financial condition and contractual obligations. All guarantees are based on the
claims-paying ability of the issuer.
The potential to build cash value in the Indexed Account is based on the performance of the S&P 500® Index, which excludes dividends (using an index growth cap and floor) on an annual
point-to-point basis based on a 100% participation rate (subject to change). Money that is placed in the Indexed Account is not a direct investment in the S&P 500® Index. If amounts in
the Indexed Account are withdrawn prior to the end of the one-year term, no interest will be credited. The cap is generally stated as a percentage, which is the maximum rate of interest
that will be credited at the end of the one-year Index Segment Duration, regardless of performance of the index over the cap. The cap is declared for each Index Segment in advance
of each Index Segment Duration. The cap is subject to change at our discretion, both up and down, but is guaranteed to never be less than 3.00%. Changes to the cap could result in
different policy performance and/or different values than shown here. Changes to the cap are not tied to the performance of the underlying index and may be based on interest rates,
market volatility, and other factors. Caps and floors may be different in selected states.
“Standard & Poor’s®”, “S&P®”, “S&P 500®”, and “Standard & Poor’s 500™” are trademarks of Standard & Poor’s and have been licensed for use by The Prudential Insurance Company
of America for itself and its affiliates. This indexed product is not sponsored, endorsed, sold or promoted by Standard & Poor’s and Standard & Poor’s makes no representations regarding
the advisability of purchasing an indexed policy. S&P 500® index values are exclusive of dividends.
© 2012 Prudential Financial, Inc. and its related entities.
FOR FINANCIAL PROFESSIONAL USE ONLY. NOT FOR CONSUMER USE.