The new presentation for UL & SUL Protector is here! 

The new presentation has been completely redesigned to be shorter and simpler. It's

the easiest and most effective way to present UL & SUL Protector to your clients.

Here's what's new:

Presentation length is cut by almost 50%.

Content is reorganized for a more logical flow.

Refreshed design increases visual appeal.

Disclosure has been reduced and simplified.

"Internal Rate of Return" values can now be added to the ledger page. 

Plus, we've enhanced the UL Protector product:

Improved first­year flexibility for the limited no­lapse guarantee premiums.

Limited no­lapse guarantee premium duration extended to 10 years.

No­lapse guarantee can be reinstated along with a base policy reinstatement.

Disability Rider qualification period extended to age 65.

All loans become preferred loans on or after the 10th anniversary.

Shadow no­lapse guarantee will not protect the policy from excess debt. 

Get the new presentation and start talking to your clients about UL & SUL Protector today!

 

 

 

NOT FOR CONSUMER USE.

© 2016 Prudential Financial, Inc. and its related entities. NR-193983 Ed. 04/2016

UL Protector June 2016

 

Transition Rules

On Monday June 13, 2016 the UL Protector changes will be introduced, subject to state approvals. The following rules apply to any request for New Business, Term Conversion, or OPAI (Option To Purchase Additional Insurance) Conversion. TRANSITION RULES

June 13, 2016 (Ready to Sell Date): New Rates for the revised product are in effect. All applications signed and dated1

on or after June 13, 2016 will receive New Rates (unless Old Rates are requested and permitted)

July 10, 2016 (Transition Period End Date): Last day that an application can be signed with a

request for Old Rates o If Old Rates are desired for an application dated during the 28-day Transition Period, a

written request, along with the appropriate presentation version, must be submitted on or after the state introduction date

o Applications dated July 11th and later will receive the New Rates only

States that approve the New Rates after June 13, 2016 will have their “Ready to Sell Date”, “Transition Period End Date”, and “Home Office Receipt Deadline” adjusted.

1Definition of “application date”: Pru Advisor Prepaid eLife - Date on the form of payment and the Authorization, Acknowledgement and

Limited Insurance Agreement form Pru Advisor COD eLife - Date the Authorization, Acknowledgement, and Limited Insurance Agreement

form and Variable Contract Acknowledgement form (if applicable) were signed by the client Pru Advisor or Third Party Full Application case - Date the Part 1 of application (ORD 96200) was signed Third Party Prepaid Xpress Quick Form case - Date on the form of payment, the Authorization to Release

Information form, and the Limited Insurance Agreement form Third Party COD Xpress Quick Form case - Date the Authorization to Release Information form and

Variable Contract Acknowledgement form (if applicable) were signed by the client REQUESTS FOR NEW RATES Requests for changes to the New Rates will be permitted consistent with the following current practice for these situations:

Any pending case or issued policy that is not yet delivered with an application date prior to the state introduction date can be changed to New Rates, as long as the request for change is made on or after the state introduction date and includes a confirmation of billed premium.

An existing policy that has been delivered and is inforce, and is still within its 90-day New Business Change Period can be changed to New Rates and keep the original policy number and policy date. The written request must be submitted on or after the state introduction date with a

 

NOT FOR CONSUMER USE.

© 2016 Prudential Financial, Inc. and its related entities. NR-193983 Ed. 04/2016

  2 

Important Announcement

Change in Premiums Effective Today

matching presentation and confirmation of billed premium with the new rates. Existing policies that are outside the 90-day New Business Change Period cannot be changed to the New Rates.

o The 90 day New Business Change Period is defined as the 90 day period beginning on the later of the policy date or issue date. For a contractual Term Conversion that is issued after the end of the original conversion period, the change period is defined as the 90 day period beginning on the policy date. The ability to request certain types of changes during the 90 day New Business Change Period is an administrative practice supported for permanent product policies and is not specific to this repricing.

BACKDATING Normal backdating rules apply, meaning that the new policy date can be backdated up to six months prior to the application date (three months in Ohio). A policy with New Rates can be dated prior to the state introduction date as long as the application meets the requirements in the TRANSITION RULES above. Please note: If the date of birth is more than 6 months prior to the state introduction date, you cannot backdate the policy to save age with a request for New Rates. REQUESTS FOR OLD RATES DURING THE TRANSITION PERIOD: INFORMAL/INQUIRY APPLICATIONS Informal/Inquiry applications will not be eligible for Old Rates unless replaced by a live application by the end of the 28 day transition period based on state approval. APPLICATIONS WITHOUT OWNERSHIP ARRANGEMENTS Formal applications without ownership arrangements (Preliminary applications, trial application and where a Trust is TBD) must be replaced by a final formal application by the end of the 28 day transition period based on state approval to be eligible for the Old Rates. TERM CONVERSIONS Old or New Rates can be issued if the convertible period ends prior to the state approval date and the application date is after the state approval date but within 31 days of the convertible period end date. Only New Rates can be issued if the term conversion is requested after the state approval date and the application date is outside of 31 days after the convertible period end date.

 

NOT FOR CONSUMER USE. NRP-15-A52819 Ed. 1/2016

Effective June 13, 2016 PRODUCT

APPROVALS

 

Product Approval

VARIABLE

PruLife® Custom Premier II (April 2015 Repricing)

See page 2.

VUL Protector® (April 2015 Repricing) See page 3.

SURVIVORSHIP

PruLife® SUL Protector (August 2014 Repricing)

See page 4.

PruLife® Survivorship Index UL (Jan 2016) See page 5.

UL

PruLife® Index Advantage UL (January 2015 Repricing)

See page 6.

PruLife® Universal Plus 2010 All states. (CT, FL, MA, WA without LNB; NY without ECV; MA without ADB; CA without MNB)

PruLife® Universal Protector (June 2016 Repricing)

See page 7.

PruLife® Founders Plus UL (June 2015 Repricing See page 8.

TERM

PruTerm WorkLife 65SM See page 9.

Term Essential® and Term Elite® (August 2014 Repricing)

All states. (MA without ADB; WA without LNB)

PruLife® Return of Premium Term (October 2013 Repricing)

See page 10.

PruTermSM One See page 11.

IMPORTANT NOTES: These products, their riders and features may not be available in all states. Refer to the product Fast Facts for more information. In states where a repricing is not yet approved, a prior version of the product is available.

 

  2 

PRODUCT APPROVALS

PruLife® Custom Premier II (Issue Basis 204)

STATE Ready to Sell Date Transition Period End Date* Product Version

Currently Available Riders Not Yet Approved/RTS

AL Alabama 5/1/2015 5/28/2015 April 2015 AK Alaska 5/1/2015  5/28/2015 April 2015 AZ Arizona 5/1/2015  5/28/2015 April 2015 AR Arkansas 5/1/2015  5/28/2015 April 2015 CA California 5/1/2015  5/28/2015 April 2015 CO Colorado 5/1/2015  5/28/2015 April 2015 CT Connecticut 5/1/2015  5/28/2015 April 2015 DE Delaware 5/1/2015  5/28/2015 April 2015 DC District of Columbia 5/1/2015  5/28/2015 April 2015 FL Florida 5/1/2015  5/28/2015 April 2015 GA Georgia 5/1/2015  5/28/2015 April 2015 HI Hawaii 5/1/2015  5/28/2015 April 2015 ID Idaho 5/1/2015  5/28/2015 April 2015 IL Illinois 5/1/2015  5/28/2015 April 2015 IN Indiana 5/1/2015  5/28/2015 April 2015 IA Iowa 5/1/2015  5/28/2015 April 2015 KS Kansas 5/1/2015  5/28/2015 April 2015 KY Kentucky 5/1/2015  5/28/2015 April 2015 LA Louisiana 5/1/2015  5/28/2015 April 2015 ME Maine 5/1/2015  5/28/2015 April 2015 MD Maryland 5/1/2015  5/28/2015 April 2015 MA Massachusetts 5/1/2015  5/28/2015 April 2015  ADBMI Michigan 5/1/2015  5/28/2015 April 2015 MN Minnesota 5/1/2015  5/28/2015 April 2015 MS Mississippi 5/1/2015  5/28/2015 April 2015 MO Missouri 5/1/2015  5/28/2015 April 2015 MT Montana 5/1/2015  5/28/2015 April 2015 NE Nebraska 5/1/2015  5/28/2015 April 2015 NV Nevada 5/1/2015  5/28/2015 April 2015 NH New Hampshire 5/1/2015  5/28/2015 April 2015 NJ New Jersey 5/1/2015  5/28/2015 April 2015 NM New Mexico 5/1/2015  5/28/2015 April 2015 NY New York 5/1/2015  5/28/2015 April 2015  ECVNC North Carolina 5/1/2015  5/28/2015 April 2015 ND North Dakota 5/1/2015  5/28/2015 April 2015 OH Ohio 5/1/2015  5/28/2015 April 2015 OK Oklahoma 5/1/2015  5/28/2015 April 2015 OR Oregon 5/1/2015  5/28/2015 April 2015 PA Pennsylvania 5/1/2015  5/28/2015 April 2015 RI Rhode Island 5/1/2015  5/28/2015 April 2015 SC South Carolina 5/1/2015  5/28/2015 April 2015 SD South Dakota 5/1/2015  5/28/2015 April 2015 TN Tennessee 5/1/2015  5/28/2015 April 2015 TX Texas 5/1/2015  5/28/2015 April 2015 UT Utah 5/1/2015  5/28/2015 April 2015 VT Vermont 5/1/2015  5/28/2015 April 2015 VA Virginia 5/1/2015  5/28/2015 April 2015 WA Washington 5/1/2015  5/28/2015 April 2015  LNBWV West Virginia 5/1/2015  5/28/2015 April 2015 WI Wisconsin 5/1/2015  5/28/2015 April 2015 WY Wyoming 5/1/2015  5/28/2015 April 2015 

GUAM Guam 5/1/2015  5/28/2015 April 2015  * Transition Period End Date is the last day that you can request the old rate basis.

 

  3 

PRODUCT APPROVALS

VUL Protector (Issue Basis 203)

STATE Ready to Sell Date Transition Period End Date* Product Version

Currently Available Riders Not Yet Approved/RTS

AL Alabama 5/1/2015 5/28/2015 April 2015 AK Alaska 5/1/2015  5/28/2015 April 2015 AZ Arizona 5/1/2015  5/28/2015 April 2015 AR Arkansas 5/1/2015  5/28/2015 April 2015 CA California 5/1/2015  5/28/2015 April 2015 CO Colorado 5/1/2015  5/28/2015 April 2015 CT Connecticut 5/1/2015  5/28/2015 April 2015 DE Delaware 5/1/2015  5/28/2015 April 2015 DC District of Columbia 5/1/2015  5/28/2015 April 2015 FL Florida 5/1/2015  5/28/2015 April 2015 GA Georgia 5/1/2015  5/28/2015 April 2015 HI Hawaii 5/1/2015  5/28/2015 April 2015 ID Idaho 5/1/2015  5/28/2015 April 2015 IL Illinois 5/1/2015  5/28/2015 April 2015 IN Indiana 5/1/2015  5/28/2015 April 2015 IA Iowa 5/1/2015  5/28/2015 April 2015 KS Kansas 5/1/2015  5/28/2015 April 2015 KY Kentucky 5/1/2015  5/28/2015 April 2015 LA Louisiana 5/1/2015  5/28/2015 April 2015 ME Maine 5/1/2015  5/28/2015 April 2015 MD Maryland 5/1/2015  5/28/2015 April 2015 MA Massachusetts 5/1/2015  5/28/2015 April 2015  ADBMI Michigan 5/1/2015  5/28/2015 April 2015 MN Minnesota 5/1/2015  5/28/2015 April 2015 MS Mississippi 5/1/2015  5/28/2015 April 2015 MO Missouri 5/1/2015  5/28/2015 April 2015 MT Montana 5/1/2015  5/28/2015 April 2015 NE Nebraska 5/1/2015  5/28/2015 April 2015 NV Nevada 5/1/2015  5/28/2015 April 2015 NH New Hampshire 5/1/2015  5/28/2015 April 2015 NJ New Jersey 5/1/2015  5/28/2015 April 2015 NM New Mexico 5/1/2015  5/28/2015 April 2015 NY New York Will Not Be Filed N/A April 2014 ECVNC North Carolina 5/1/2015  5/28/2015 April 2015 ND North Dakota 5/1/2015  5/28/2015 April 2015 OH Ohio 5/1/2015  5/28/2015 April 2015 OK Oklahoma 5/1/2015  5/28/2015 April 2015 OR Oregon 5/1/2015  5/28/2015 April 2015 PA Pennsylvania 5/1/2015  5/28/2015 April 2015 RI Rhode Island 5/1/2015  5/28/2015 April 2015 SC South Carolina 5/1/2015  5/28/2015 April 2015 SD South Dakota 5/1/2015  5/28/2015 April 2015 TN Tennessee 5/1/2015  5/28/2015 April 2015 TX Texas 5/1/2015  5/28/2015 April 2015 UT Utah 5/1/2015  5/28/2015 April 2015 VT Vermont 5/1/2015  5/28/2015 April 2015 VA Virginia 5/1/2015  5/28/2015 April 2015 WA Washington 5/1/2015  5/28/2015 April 2015  LNBWV West Virginia 5/1/2015  5/28/2015 April 2015 WI Wisconsin 5/1/2015  5/28/2015 April 2015 WY Wyoming 5/1/2015  5/28/2015 April 2015 

GUAM Guam 5/1/2015  5/28/2015 April 2015  * Transition Period End Date is the last day that you can request the old rate basis.

 

  4 

PRODUCT APPROVALS

PruLife® SUL Protector (Issue Basis 207)

STATE Ready to Sell Date Transition Period End Date* Product Version

Currently Available Riders Not Yet Approved/RTS

AL Alabama 08/11/14 N/A Aug 2014 AK Alaska 08/11/14 N/A Aug 2014 AZ Arizona 08/11/14 N/A Aug 2014 AR Arkansas 08/11/14 N/A Aug 2014 CA California 08/11/14 N/A Aug 2014 CO Colorado 08/11/14 N/A Aug 2014 CT Connecticut 08/11/14 N/A Aug 2014 DE Delaware 08/11/14 N/A Aug 2014 DC District of Columbia 08/11/14 N/A Aug 2014 FL Florida 08/11/14 N/A Aug 2014 GA Georgia 08/11/14 N/A Aug 2014 HI Hawaii 08/11/14 N/A Aug 2014 ID Idaho 08/11/14 N/A Aug 2014 IL Illinois 08/11/14 N/A Aug 2014 IN Indiana 08/11/14 N/A Aug 2014 IA Iowa 08/11/14 N/A Aug 2014 KS Kansas 08/11/14 N/A Aug 2014 KY Kentucky 08/11/14 N/A Aug 2014 LA Louisiana 08/11/14 N/A Aug 2014 ME Maine 08/11/14 N/A Aug 2014 MD Maryland 08/11/14 N/A Aug 2014 MA Massachusetts 08/11/14 N/A Aug 2014 MI Michigan 08/11/14 N/A Aug 2014 MN Minnesota 08/11/14 N/A Aug 2014 MS Mississippi 08/11/14 N/A Aug 2014 MO Missouri 08/11/14 N/A Aug 2014 MT Montana 08/11/14 N/A Aug 2014 NE Nebraska 08/11/14 N/A Aug 2014 NV Nevada 08/11/14 N/A Aug 2014 NH New Hampshire 08/11/14 N/A Aug 2014 NJ New Jersey 08/11/14 N/A Aug 2014 NM New Mexico 08/11/14 N/A Aug 2014 NY New York 08/11/14 N/A Aug 2014 NC North Carolina 08/11/14 N/A Aug 2014 ND North Dakota 08/11/14 N/A Aug 2014 OH Ohio 08/11/14 N/A Aug 2014 OK Oklahoma 08/11/14 N/A Aug 2014 OR Oregon 08/11/14 N/A Aug 2014

PA Pennsylvania 08/11/14 N/A Aug 2014 Guaranteed

Policy Split RiderRI Rhode Island 08/11/14 N/A Aug 2014 SC South Carolina 08/11/14 N/A Aug 2014 SD South Dakota 08/11/14 N/A Aug 2014 TN Tennessee 08/11/14 N/A Aug 2014 TX Texas 08/11/14 N/A Aug 2014 UT Utah 08/11/14 N/A Aug 2014 VT Vermont 08/11/14 N/A Aug 2014 VA Virginia 08/11/14 N/A Aug 2014 WA Washington 08/11/14 N/A Aug 2014 WV West Virginia 08/11/14 N/A Aug 2014 WI Wisconsin 08/11/14 N/A Aug 2014 WY Wyoming 08/11/14 N/A Aug 2014

GUAM Guam 8/25/2014 N/A Aug 2014 * Transition Period End Date is the last day that you can request the old rate basis.

 

  5 

PRODUCT APPROVALS

PruLife® Survivorship Index UL (Issue Basis 201)

STATE Ready to Sell Date Transition Period End Date* Product Version

Currently Available Riders Not Yet Approved/RTS

AL Alabama 1/4/16 N/A Jan 2016 AK Alaska 1/4/16  N/A Jan 2016 AZ Arizona 1/4/16  N/A Jan 2016 AR Arkansas 1/4/16  N/A Jan 2016 CA California 1/11/16 N/A Jan 2016 CO Colorado 1/4/16  N/A Jan 2016 CT Connecticut 1/4/16  N/A Jan 2016 DE Delaware 1/4/16  N/A Jan 2016 DC District of Columbia 1/4/16  N/A Jan 2016 FL Florida 1/4/16  N/A Jan 2016 GA Georgia 1/4/16  N/A Jan 2016 HI Hawaii 1/4/16  N/A Jan 2016 ID Idaho 1/4/16  N/A Jan 2016 IL Illinois 1/4/16  N/A Jan 2016 IN Indiana 1/4/16  N/A Jan 2016 IA Iowa 1/4/16  N/A Jan 2016 KS Kansas 1/4/16  N/A Jan 2016 KY Kentucky 1/4/16  N/A Jan 2016 LA Louisiana 1/4/16  N/A Jan 2016 ME Maine 1/4/16  N/A Jan 2016 MD Maryland 1/4/16  N/A Jan 2016 MA Massachusetts 1/4/16  N/A Jan 2016 MI Michigan 1/4/16  N/A Jan 2016 MN Minnesota 1/4/16  N/A Jan 2016 MS Mississippi 1/4/16  N/A Jan 2016 MO Missouri 1/4/16  N/A Jan 2016 MT Montana 1/4/16  N/A Jan 2016 NE Nebraska 1/4/16  N/A Jan 2016 NV Nevada 1/4/16  N/A Jan 2016 NH New Hampshire 6/13/2016 N/A Jan 2016 NJ New Jersey 1/4/16  N/A Jan 2016 NM New Mexico 1/4/16  N/A Jan 2016 NY New York 5/2/16 N/A Jan 2016 ECVNC North Carolina 1/4/16  N/A Jan 2016 ND North Dakota 1/4/16  N/A Jan 2016 OH Ohio 1/4/16  N/A Jan 2016 OK Oklahoma 1/4/16  N/A Jan 2016 OR Oregon 2/22/16 N/A Jan 2016 PA Pennsylvania 1/4/16  N/A Jan 2016 RI Rhode Island 1/4/16  N/A Jan 2016 SC South Carolina 1/4/16  N/A Jan 2016 SD South Dakota 1/4/16  N/A Jan 2016 TN Tennessee 1/4/16  N/A Jan 2016 TX Texas 1/4/16  N/A Jan 2016 UT Utah 1/4/16  N/A Jan 2016 VT Vermont 1/4/16  N/A Jan 2016  VA Virginia 1/11/16 N/A Jan 2016 WA Washington 1/4/16  N/A Jan 2016 WV West Virginia 1/4/16  N/A Jan 2016 WI Wisconsin 1/4/16  N/A Jan 2016 WY Wyoming 1/4/16  N/A Jan 2016 

GUAM Guam 1/4/16  N/A Jan 2016  * Period End Date is the last day that you can request the old rate basis.

 

  6 

PRODUCT APPROVALS

PruLife® Index Advantage UL (Issue Basis 203)

STATE Ready to Sell

Date

Transition Period End

Date*

Product Version

Currently Available

Riders Not Yet Approved/RTS

AL Alabama 1/5/2015 2/1/2015 Jan 2015 AK Alaska 1/5/2015 2/1/2015 Jan 2015 AZ Arizona 1/5/2015 2/1/2015 Jan 2015 

AR Arkansas 1/5/2015 2/1/2015 Jan 2015 

CA California 1/26/2015 2/22/2015 Jan 2015

CO Colorado 1/5/2015 2/1/2015 Jan 2015 CT Connecticut 1/5/2015 2/1/2015 Jan 2015 DE Delaware 1/5/2015 2/1/2015 Jan 2015 DC District of Columbia 1/5/2015 2/1/2015 Jan 2015 FL Florida 1/5/2015 2/1/2015 Jan 2015 GA Georgia 1/5/2015 2/1/2015 Jan 2015 HI Hawaii 1/5/2015 2/1/2015 Jan 2015 ID Idaho 1/5/2015 2/1/2015 Jan 2015 IL Illinois 1/5/2015 2/1/2015 Jan 2015 IN Indiana 1/5/2015 2/1/2015 Jan 2015 IA Iowa 1/5/2015 2/1/2015 Jan 2015 

KS Kansas 1/5/2015 2/1/2015 Jan 2015 KY Kentucky 1/5/2015 2/1/2015 Jan 2015 LA Louisiana 1/5/2015 2/1/2015 Jan 2015 ME Maine 1/5/2015 2/1/2015 Jan 2015 MD Maryland 1/5/2015 2/1/2015 Jan 2015 MA Massachusetts 1/5/2015 2/1/2015 Jan 2015  ADBMI Michigan 1/5/2015 2/1/2015 Jan 2015 MN Minnesota 1/5/2015 2/1/2015 Jan 2015 MS Mississippi 1/5/2015 2/1/2015 Jan 2015 MO Missouri 1/5/2015 2/1/2015 Jan 2015 MT Montana 1/5/2015 2/1/2015 Jan 2015 NE Nebraska 1/5/2015 2/1/2015 Jan 2015 NV Nevada 1/5/2015 2/1/2015 Jan 2015 NH New Hampshire 1/5/2015 2/1/2015 Jan 2015 NJ New Jersey 1/5/2015 2/1/2015 Jan 2015 NM New Mexico 1/5/2015 2/1/2015 Jan 2015 NY New York 2/23/2015 3/22/2015 Jan 2015  ECV RiderNC North Carolina 1/5/2015 2/1/2015 Jan 2015 ND North Dakota 1/5/2015 2/1/2015 Jan 2015 OH Ohio 1/5/2015 2/1/2015 Jan 2015  OK Oklahoma 1/12/2015 2/8/2015 Jan 2015 OR Oregon 1/5/2015 2/1/2015 Jan 2015 PA Pennsylvania 1/5/2015 2/1/2015 Jan 2015 RI Rhode Island 1/5/2015 2/1/2015 Jan 2015 SC South Carolina 1/5/2015 2/1/2015 Jan 2015 SD South Dakota 1/5/2015 2/1/2015 Jan 2015 TN Tennessee 1/5/2015 2/1/2015 Jan 2015 TX Texas 1/5/2015 2/1/2015 Jan 2015 UT Utah 1/5/2015 2/1/2015 Jan 2015 VT Vermont 1/5/2015 2/1/2015 Jan 2015 VA Virginia 1/5/2015 2/1/2015 Jan 2015 WA Washington 1/5/2015 2/1/2015 Jan 2015  LNB WV West Virginia 1/5/2015 2/1/2015 Jan 2015 WI Wisconsin 1/5/2015 2/1/2015 Jan 2015 WY Wyoming 1/5/2015 2/1/2015 Jan 2015 

GUAM Guam 1/5/2015 2/1/2015 Jan 2015  * Transition Period End Date is the last day that you can request the old rate basis.

 

  7 

PRODUCT APPROVALS

PruLife® UL Protector (Issue Basis 217)

STATE Ready to Sell

Date

Transition Period End

Date*

Product Version

Currently Available

Riders Not Yet Approved/RTS

AL Alabama 6/13/2016 7/10/2016 June 2016 AK Alaska 6/13/2016 7/10/2016 June 2016 AZ Arizona 6/13/2016 7/10/2016 June 2016 AR Arkansas 6/13/2016 7/10/2016 June 2016 CA California 2/22/2016 3/20/2016 Feb 2016 CO Colorado 6/13/2016 7/10/2016 June 2016 CT Connecticut 6/13/2016 7/10/2016 June 2016 DE Delaware 6/13/2016 7/10/2016 June 2016 DC District of Columbia 6/13/2016 7/10/2016 June 2016 FL Florida 6/13/2016 7/10/2016 June 2016 GA Georgia 6/13/2016 7/10/2016 June 2016 HI Hawaii 6/13/2016 7/10/2016 June 2016 ID Idaho 6/13/2016 7/10/2016 June 2016 IL Illinois 6/13/2016 7/10/2016 June 2016 IN Indiana 6/13/2016 7/10/2016 June 2016 IA Iowa 6/13/2016 7/10/2016 June 2016 KS Kansas 6/13/2016 7/10/2016 June 2016 KY Kentucky 6/13/2016 7/10/2016 June 2016 LA Louisiana 6/13/2016 7/10/2016 June 2016 ME Maine 6/13/2016 7/10/2016 June 2016 MD Maryland 6/13/2016 7/10/2016 June 2016 MA Massachusetts 6/13/2016 7/10/2016 June 2016  ADBMI Michigan 6/13/2016 7/10/2016 June 2016 MN Minnesota 6/13/2016 7/10/2016 June 2016 MS Mississippi 6/13/2016 7/10/2016 June 2016 MO Missouri 6/13/2016 7/10/2016 June 2016 MT Montana 6/13/2016 7/10/2016 June 2016 NE Nebraska 6/13/2016 7/10/2016 June 2016 NV Nevada 6/13/2016 7/10/2016 June 2016 NH New Hampshire 6/13/2016 7/10/2016 June 2016 NJ New Jersey 6/13/2016 7/10/2016 June 2016 NM New Mexico 6/13/2016 7/10/2016 June 2016 NY New York 6/13/2016 7/10/2016 June 2016 NC North Carolina 6/13/2016 7/10/2016 June 2016 ND North Dakota 6/13/2016 7/10/2016 June 2016 OH Ohio 6/13/2016 7/10/2016 June 2016 OK Oklahoma 6/13/2016 7/10/2016 June 2016 OR Oregon 6/13/2016 7/10/2016 June 2016 PA Pennsylvania 6/13/2016 7/10/2016 June 2016 RI Rhode Island 6/13/2016 7/10/2016 June 2016 SC South Carolina 6/13/2016 7/10/2016 June 2016 SD South Dakota 6/13/2016 7/10/2016 June 2016 TN Tennessee 6/13/2016 7/10/2016 June 2016 TX Texas 6/13/2016 7/10/2016 June 2016 UT Utah 6/13/2016 7/10/2016 June 2016 VT Vermont 6/13/2016 7/10/2016 June 2016 VA Virginia 6/13/2016 7/10/2016 June 2016 WA Washington 6/13/2016 7/10/2016 June 2016  LNBWV West Virginia 6/13/2016 7/10/2016 June 2016 WI Wisconsin 6/13/2016 7/10/2016 June 2016 WY Wyoming 6/13/2016 7/10/2016 June 2016 

GUAM Guam 2/22/2016 3/20/2016 Feb 2016 

* Transition Period End Date is the last day that you can request the old rate basis.

 

  8 

PRODUCT APPROVALS

PruLife® Founders Plus UL (Issue Basis 203)

STATE Ready to Sell

Date

Transition Period End

Date*

Product Version

Currently Available

Riders Not Yet Approved/RTS

AL Alabama 6/15/2015 7/12/2015 June 2015 AK Alaska 6/15/2015 7/12/2015 June 2015 AZ Arizona 6/15/2015 7/12/2015 June 2015 AR Arkansas 6/15/2015 7/12/2015 June 2015 CA California 6/15/2015 7/12/2015 June 2015 CO Colorado 6/15/2015 7/12/2015 June 2015 CT Connecticut 6/15/2015 7/12/2015 June 2015 DE Delaware 6/15/2015 7/12/2015 June 2015 DC District of Columbia 6/15/2015 7/12/2015 June 2015 FL Florida 6/15/2015 7/12/2015 June 2015 GA Georgia 6/15/2015 7/12/2015 June 2015 HI Hawaii 6/15/2015 7/12/2015 June 2015 ID Idaho 6/15/2015 7/12/2015 June 2015 IL Illinois 6/15/2015 7/12/2015 June 2015 IN Indiana 6/15/2015 7/12/2015 June 2015 IA Iowa 6/15/2015 7/12/2015 June 2015 KS Kansas 6/15/2015 7/12/2015 June 2015 KY Kentucky 6/15/2015 7/12/2015 June 2015 LA Louisiana 6/15/2015 7/12/2015 June 2015 ME Maine 6/15/2015 7/12/2015 June 2015 MD Maryland 6/15/2015 7/12/2015 June 2015 MA Massachusetts 6/15/2015 7/12/2015 June 2015  ADBMI Michigan 6/15/2015 7/12/2015 June 2015 MN Minnesota 6/15/2015 7/12/2015 June 2015 MS Mississippi 6/15/2015 7/12/2015 June 2015 MO Missouri 6/15/2015 7/12/2015 June 2015 MT Montana 6/15/2015 7/12/2015 June 2015 NE Nebraska 6/15/2015 7/12/2015 June 2015 NV Nevada 6/15/2015 7/12/2015 June 2015 NH New Hampshire 6/15/2015 7/12/2015 June 2015 NJ New Jersey 6/15/2015 7/12/2015 June 2015 NM New Mexico 6/15/2015 7/12/2015 June 2015 NY New York 6/15/2015 7/12/2015 June 2015  ECVNC North Carolina 6/15/2015 7/12/2015 June 2015 ND North Dakota 6/15/2015 7/12/2015 June 2015 OH Ohio 6/15/2015 7/12/2015 June 2015 OK Oklahoma 6/15/2015 7/12/2015 June 2015 OR Oregon 6/15/2015 7/12/2015 June 2015 PA Pennsylvania 6/15/2015 7/12/2015 June 2015 RI Rhode Island 6/15/2015 7/12/2015 June 2015 SC South Carolina 6/15/2015 7/12/2015 June 2015 SD South Dakota 6/15/2015 7/12/2015 June 2015 TN Tennessee 6/15/2015 7/12/2015 June 2015 TX Texas 6/15/2015 7/12/2015 June 2015 UT Utah 6/15/2015 7/12/2015 June 2015 VT Vermont 6/15/2015 7/12/2015 June 2015 VA Virginia 6/15/2015 7/12/2015 June 2015 WA Washington 6/15/2015 7/12/2015 June 2015  LNB

WV West Virginia 6/15/2015 7/12/2015 June 2015 WI Wisconsin 6/15/2015 7/12/2015 June 2015 WY Wyoming 6/15/2015 7/12/2015 June 2015 

GUAM Guam 6/15/2015 7/12/2015 June 2015  * Transition Period End Date is the last day that you can request the old rate basis. 

 

  9 

PRODUCT APPROVALS

PruTerm WorkLife 65SM

STATE Ready to Sell Date

Transition Period End

Date*

Product Version Currently Available

Riders Not Yet Approved/RTS

AL Alabama 2/14/11 NA Feb-11 AK Alaska 2/14/11 NA Feb-11 AZ Arizona 2/14/11 NA Feb-11 AR Arkansas 2/14/11 NA Feb-11 CA California NA NA NA CO Colorado 2/14/11 NA Feb-11 CT Connecticut Not Approved NA NA DE Delaware 2/14/11 NA Feb-11 DC District of Columbia 2/14/11 NA Feb-11 FL Florida 4/1/11 NA Feb-11 LNBGA Georgia 2/14/11 NA Feb-11 HI Hawaii 2/14/11 NA Feb-11 ID Idaho 2/14/11 NA Feb-11 IL Illinois 2/14/11 NA Feb-11 IN Indiana 2/14/11 NA Feb-11 IA Iowa 2/14/11 NA Feb-11 KS Kansas 2/14/11 NA Feb-11 KY Kentucky 2/14/11 NA Feb-11 LA Louisiana 2/14/11 NA Feb-11 ME Maine 2/14/11 NA Feb-11 MD Maryland 10/3/11 NA Feb-11 MA Massachusetts 2/14/11 NA Feb-11 ADBMI Michigan 2/14/11 NA Feb-11 MN Minnesota 2/14/11 NA Feb-11 MS Mississippi 2/14/11 NA Feb-11 MO Missouri 2/14/11 NA Feb-11 MT Montana 2/14/11 NA Feb-11 NE Nebraska 2/14/11 NA Feb-11 NV Nevada 2/14/11 NA Feb-11 NH New Hampshire 2/14/11 NA Feb-11 NJ New Jersey 2/14/11 NA Feb-11 NM New Mexico 2/14/11 NA Feb-11 NY New York Not Approved NA NA NC North Carolina 2/14/11 NA Feb-11 ND North Dakota 2/14/11 NA Feb-11 OH Ohio 2/14/11 NA Feb-11 OK Oklahoma 2/14/11 NA Feb-11 OR Oregon 2/14/11 NA Feb-11 PA Pennsylvania 2/14/11 NA Feb-11 RI Rhode Island 2/14/11 NA Feb-11 SC South Carolina 2/14/11 NA Feb-11 SD South Dakota 2/14/11 NA Feb-11 TN Tennessee Not Approved NA NA TX Texas 2/14/11 NA Feb-11 UT Utah 2/14/11 NA Feb-11 VT Vermont 2/14/11 NA Feb-11 VA Virginia 2/14/11 NA Feb-11 WA Washington Not Approved NA NA WV West Virginia 2/14/11 NA Feb-11 WI Wisconsin 2/14/11 NA Feb-11 WY Wyoming 2/14/11 NA Feb-11

GUAM Guam 4/1/11 NA Feb-11 * Transition Period End Date is the last day that you can request the old rate basis.

 

  10 

PRODUCT APPROVALS

PruLife® Return of Premium Term (Issue Basis 273)

STATE Ready to Sell

Date

Transition Period End

Date*

Product Version

Currently Available

Riders Not Yet Approved/RTS

AL Alabama 10/7/13 11/3/13 October-13 AK Alaska 10/7/13 11/3/13 October-13 AZ Arizona 10/7/13 11/3/13 October-13 AR Arkansas 10/7/13 11/3/13 October-13 CA California 11/4/2013 12/1/2013 Oct 2013 CO Colorado 10/7/2013 11/4/2013 Oct 2013 CT Connecticut 11/4/2013 12/1/2013 Oct 2013 DE Delaware 11/4/2013 12/1/2013 Oct 2013 DC District of Columbia 10/7/13 11/3/13 October-13 FL Florida 12/9/2013 12/31/2013 Oct 2013 GA Georgia 10/7/13 11/3/13 October-13 HI Hawaii 10/7/13 11/3/13 October-13 ID Idaho 10/7/13 11/3/13 October-13 IL Illinois 10/7/13 11/3/13 October-13 IN Indiana 10/7/13 11/3/13 October-13 IA Iowa 10/7/13 11/3/13 October-13 KS Kansas 10/7/13 11/3/13 October-13 KY Kentucky 10/7/13 11/3/13 October-13 LA Louisiana 10/7/13 11/3/13 October-13 ME Maine 10/7/13 11/3/13 October-13 MD Maryland 10/7/13 11/3/13 October-13 MA Massachusetts 10/7/13 11/3/13 October-13 MI Michigan 10/7/13 11/3/13 October-13 MN Minnesota 10/7/13 11/3/13 October-13 MS Mississippi 11/4/2013 12/1/2013 Oct 2013 MO Missouri 10/7/13 11/3/13 October-13 MT Montana 10/7/13 11/3/13 October-13 NE Nebraska 10/7/13 11/3/13 October-13 NV Nevada 10/7/13 11/3/13 October-13 NH New Hampshire 10/7/13 11/3/13 October-13 NJ New Jersey 10/7/13 11/3/13 October-13 NM New Mexico 10/7/13 11/3/13 October-13 NY New York 1/1/2014 N/A October -13 NC North Carolina 10/7/13 11/3/13 October-13 ND North Dakota 10/7/13 11/3/13 October-13 OH Ohio 10/7/13 11/3/13 October-13 OK Oklahoma 10/7/13 11/3/13 October-13 OR Oregon 12/9/2013 12/31/2013 Oct 2013 LNBPA Pennsylvania 10/7/13 11/3/13 October-13 RI Rhode Island 10/7/13 11/3/13 October-13 SC South Carolina 10/7/13 11/3/13 October-13 SD South Dakota 10/7/13 11/3/13 October-13 TN Tennessee 10/7/13 11/3/13 October-13 TX Texas 10/7/13 11/3/13 October-13 UT Utah 10/7/13 11/3/13 October-13 VT Vermont 10/7/13 11/3/13 October-13 VA Virginia 10/7/13 11/3/13 October-13 WA Washington 10/7/13 11/3/13 October-13 LNBWV West Virginia 10/7/13 11/3/13 October-13 WI Wisconsin 10/7/13 11/3/13 October-13 WY Wyoming 10/7/13 11/3/13 October-13

GUAM Guam 11/4/2013 12/1/2013 Oct 2013

* Transition Period End Date is the last day that you can request the old rate basis.

 

  11 

PRODUCT APPROVALS

PruTermSM One (Issue Basis 30-1)

STATE Ready to Sell

Date

Transition Period End

Date*

Product Version

Currently Available

Riders Not Yet Approved/RTS

AL Alabama 5/1/2014 NA May-14 AK Alaska 5/1/2014 NA May-14 AZ Arizona 5/1/2014 NA May-14 AR Arkansas 5/1/2014 NA May-14 CA California 5/1/2014 NA May-14 CO Colorado 5/1/2014 NA May-14 CT Connecticut 5/1/2014 NA May-14 DE Delaware 5/1/2014 NA May-14 DC District of Columbia 5/1/2014 NA May-14 FL Florida 5/1/2014 NA May-14 GA Georgia 5/1/2014 NA May-14 HI Hawaii 5/1/2014 NA May-14 ID Idaho 5/1/2014 NA May-14 IL Illinois 5/1/2014 NA May-14 IN Indiana 5/1/2014 NA May-14 IA Iowa 5/1/2014 NA May-14 KS Kansas 5/1/2014 NA May-14 KY Kentucky 5/1/2014 NA May-14 LA Louisiana 5/1/2014 NA May-14 ME Maine 5/1/2014 NA May-14 MD Maryland 5/1/2014 NA May-14 MA Massachusetts 5/1/2014 NA May-14 MI Michigan 5/1/2014 NA May-14 MN Minnesota 5/1/2014 NA May-14 MS Mississippi 5/1/2014 NA May-14 MO Missouri 5/1/2014 NA May-14 MT Montana 5/1/2014 NA May-14 NE Nebraska 5/1/2014 NA May-14 NV Nevada 5/1/2014 NA May-14 NH New Hampshire 5/1/2014 NA May-14 NJ New Jersey 5/1/2014 NA May-14 NM New Mexico 5/1/2014 NA May-14 NY New York 5/1/2014 NA May-14 NC North Carolina 5/1/2014 NA May-14 ND North Dakota 5/1/2014 NA May-14 OH Ohio 5/1/2014 NA May-14 OK Oklahoma 5/1/2014 NA May-14 OR Oregon 5/1/2014 NA May-14 LNBPA Pennsylvania 5/1/2014 NA May-14 RI Rhode Island 5/1/2014 NA May-14 SC South Carolina 5/1/2014 NA May-14 SD South Dakota 5/1/2014 NA May-14 TN Tennessee 5/1/2014 NA May-14 TX Texas 5/1/2014 NA May-14 UT Utah 5/1/2014 NA May-14 VT Vermont 5/1/2014 NA May-14 VA Virginia 5/1/2014 NA May-14 WA Washington 5/1/2014 NA May-14 LNBWV West Virginia 5/1/2014 NA May-14 WI Wisconsin 5/1/2014 NA May-14 WY Wyoming 5/1/2014 NA May-14

GUAM Guam 8/25/2014 NA May-14 * Transition Period End Date is the last day that you can request the old rate basis.

Visit PruXpress for all of the up­to­date marketing materials for UL Protector and ourother  products. 

  

PruLife Universal Protector and PruLife SUL Protector are issued by Pruco Life Insurance Company in all states except

New  York,  where  they  are  issued  by  Pruco  Life  Insurance  Company  of  New  Jersey.  Both  are  Prudential  Financial

companies located in Newark, NJ.

CREATED EXCLUSIVELY FOR FINANCIAL PROFESSIONALS. 

NOT FOR USE WITH CONSUMERS.

© 2016 Prudential Financial and its related entities.

0291511­00001­00 Ed. 05/2016 Exp. 11/05/2017

The Prudential Insurance Company of America and its affiliates located at 213 Washington Street, Newark, NJ 07102