CREATED EXCLUSIVELY FOR FINANCIAL PROFESSIONALS PROSPECTING LETTER Expand Your Clients’ Protection with BenefitAccess Rider Sample only. Letter should be on your firm’s letterhead. An electronic version of this email is available on Pruxpress. Refer to control number 0246243. [Name] [Address Line 1] [Address Line 2] [City, State 12345] Living longer means you need protection for more than just your family. You need it for yourself. Dear Client: People are living longer than ever before. While there are many benefits to a longer life, you need to prepare yourself for it financially. A longer life also means that you may be more likely to be impacted by a chronic or terminal illness. E L Enhance Your Death Benefit Protection with an Optional Accelerated Death Benefit Rider that Addresses Chronic and Terminal Illness Needs P M A PruLife® Universal Protector policy issued by Pruco Life Insurance Company [or in New York by Pruco Life Insurance Company of New Jersey] can offer you and your loved ones much-needed death benefit protection. And, with the new BenefitAccess Rider, it can now offer you an additional layer of financial protection if you develop a chronic or terminal illness in the future. How BenefitAccess Can Help You A S • You purchase a Universal Protector policy with the BenefitAccess Rider included (at an additional cost). Additional underwriting requirements apply. • If, at any point in the future while your policy is still in force, you are certified as chronically or terminally ill by a licensed health care professional and meet the terms and conditions of the rider, you can then accelerate your policy’s death benefit. The BenefitAccess Rider is not long-term care insurance. Accelerating the policy’s death benefit may reduce and possibly eliminate the death benefit amount of the policy. • You can then use this money to pay for medical care, pay a family member who is providing at-home care, or many other expenses you may have. The rider features two components that offer you protection: 1. Chronic Illness 2. Terminal Illness Each works differently from one another but, when combined, they give you access to the death benefit should you suffer a chronic or terminal illness. Continued on the back. The Prudential Insurance Company of America, Newark, NJ. NOT FOR CONSUMER USE. © 2013 Prudential Financial, Inc. and its related entities. 0245918-00001-00 Ed. 06/2013 Exp. 12/07/2014 CREATED EXCLUSIVELY FOR FINANCIAL PROFESSIONALS PROSPECTING LETTER BENEFITACCESS RIDER Plan for Your Future Today I will be contacting you in the near future to talk about the need for life insurance with an accelerated death benefit rider for chronic and terminal illness protection. You can also email me at [[email protected]] if you are eager to set up a time to discuss your needs. Sincerely, [Name] [Title] E L The BenefitAccess Rider is available for an extra premium. Additional underwriting requirements and limits may also apply. Obtaining benefits under the terms of the rider will reduce and may eliminate the death benefit. Benefits paid under the BenefitAccess Rider are intended to be treated for federal tax purposes as accelerated life insurance death benefits under IRC §101(g)(1)(b). Tax laws related to the receipt of accelerated death benefits are complex and may be taxable in certain circumstances. Receipt of benefits may affect eligibility for public assistance programs such as Medicaid. Accelerated benefits paid under the terms of the Terminal Illness portion of the rider are subject to a $150 ($100 in Florida) processing fee. You should consult your tax and legal advisors prior to initiating any claim. A licensed heath care practitioner must certify the chronic or terminal illness to qualify for the benefits. Chronic illness claims will require recertification by a licensed health care practitioner. Other terms and conditions may apply. This rider is not long-term care (LTC) insurance and it is not intended to replace LTC. The rider may not cover all of the costs associated with chronic illness. The rider is a life insurance accelerated death benefit product, is generally not subject to health insurance requirements, and may not be available in all states. The policy form number for the BenefitAccess Rider is ICC13 or VL 145 B-2013 followed by a state code. PruLife® Universal Protector 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. Both are Prudential Financial companies located at 213 Washington Street, Newark, NJ 07102. Each is solely responsible for its own financial condition and contractual obligations. The policy form number is ULNLG-2013 (followed by the state abbreviation). Like most insurance policies, our policies contain exclusions, limitations, reductions of benefits, and terms for keeping them in force. Your financial professional can provide you with costs and complete details. All guarantees and benefits of the insurance policy are backed by the claims-paying ability of the issuing insurance company and do not apply to the underlying investment options. Policy guarantees and benefits are not backed by the broker/dealer and/or insurance agency selling the policy, nor by any of their affiliates, and none of them makes any representations or guarantees regarding the claims-paying ability of the issuing company. This material is designed to provide general information in regard to the subject matter covered. It should be used with the understanding that we are not rendering legal, accounting, or tax advice. Such services should be provided by the client’s own professional advisors. Accordingly, any information in this document cannot be used by any taxpayer for purposes of avoiding penalties under the Internal Revenue Code. P M A S Securities and Insurance Products: Not Insured by FDIC or Any Federal Government Agency. May Lose Value. Not a Deposit of or Guaranteed by Any Bank or Bank Affiliate. Prudential, the Prudential logo, and the Rock symbol are service marks of Prudential Financial, Inc. and its related entities. © 2013 Prudential Financial, Inc. and its related entities. 0246243 The Prudential Insurance Company of America, Newark, NJ. NOT FOR CONSUMER USE. © 2013 Prudential Financial, Inc. and its related entities. [ML #] 0246243-00001-00 Ed. 06/2013 Exp. 12/13/2014