Prudential Life Insurance

Prudential life insurance is provided by Prudential Financial, Inc., which also offers a variety of financial and real estate services for both individuals and for businesses. The company's motto, "Get a Piece of the Rock," has been a well-known slogan for many years. As of 2010, Prudential Financial's managed assets amount to $693 billion. The company employs approximately 38,000 people in 37 different countries.

For individuals, Prudential provides a multitude of products and services that include life insurance, annuities, long term care insurance, auto insurance, RV insurance, watercraft insurance, personal liability insurance, and retirement planning services. In addition, Prudential offers individuals mutual funds and brokerage services, as well as assistance with real estate transactions such as buying or selling a home.

Prudential offers an even wider variety of products and services to business clients, including group insurance, retirement services, and help with corporate relocations. Offerings for institutional investors from Prudential include commodities, private placements, institutional investments, and guaranteed investments. Prudential also has a presence in the commercial real estate sector; business clients can use Prudential for their real estate investment, commercial real estate, and commercial mortgage needs.

Prudential life insurance products are comprised of term life insurance and several permanent life insurance offerings: universal life insurance, variable life insurance, and survivorship life insurance. The term life insurance choices cover 10, 15, 20, or 30 years in length and are called Term Essential® insurance, Term Elite® insurance, and PruLife® Return of Premium insurance. The Term Essential® product from Prudential life insurance is the most affordable product choice which carries the option to convert to a permanent insurance policy.

Universal life insurance from Prudential life insurance offer a premium structure that is flexible and the potential to build a tax-differed cash value. The two choices of this type of insurance product are called PruLife® Universal Protector insurance and PruLife® Universal Plus.

Prudential's variable life insurance products are known as PruLife® Custom Premier II and VUL Protector. Both options feature a choice of death benefits in addition to the potential for the cash value to increase in accordance with the investment vehicles that are selected by the customer.

PruLife® SUL Protector is a product that falls into the category of survivor life insurance. Also known as second-to-die insurance, this product from Prudential life insurance provides a death benefit when both of the policyholders have passed on.