PruLife® Essential UL Fact Sheet
Permanent life insurance with flexible premiums and cash value growth potential — issued in New York by Pruco Life Insurance Company of New Jersey.
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Why PruLife® Essential UL
- Income tax-free death benefit for your beneficiaries
- Tax-deferred cash value growth with steady, market-independent crediting
- Flexible premiums you can adjust within policy limits
- Access cash value via withdrawals or typically income tax-free loans
- Optional BenefitAccess Rider for chronic or terminal illness
- No-lapse guarantee available when premiums are paid as planned
A real-life example
Maria, age 55, is a self-employed interior designer. She chooses PruLife® Essential UL with a $250,000 death benefit and a 10-year premium of about $12,008/year. She adds the BenefitAccess Rider, which can pay her up to $5,000/month if she becomes chronically ill — while still leaving a legacy for her family. Hypothetical example for illustration only.
At a glance
- Product
- PruLife® Essential UL (Universal Life)
- Issued in NY by
- Pruco Life Insurance Company of New Jersey, Newark, NJ
- Contract numbers
- ICC22-EULPR, EULPR-2022
- Death benefit
- Income tax-free to beneficiaries
- Cash value
- Tax-deferred growth; access via loans/withdrawals
- Premiums
- Flexible within policy limits
- Optional riders
- BenefitAccess Rider (chronic/terminal illness)
Ready for a personalized quote?
Call Irwin Johnson at (929) 786-4018 or request a quote online.
Johnson Benefit Group is an independent appointed agent and is not affiliated with Prudential Financial, Inc. PruLife® Essential UL is issued by Pruco Life Insurance Company in all states except New York, and by Pruco Life Insurance Company of New Jersey in New York. All guarantees are based on the claims-paying ability of the issuing company. Policy values, premiums, and rider availability vary by age, health, and state. This is a summary for informational purposes only and is not a contract. Hypothetical examples are for illustration only and not a guarantee of future results. Loans and withdrawals reduce the death benefit and cash value.