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OBFS.net FEATURED PRODUCT:

PruTerm WorkLife 65


Life insurance protection for your working years – all the way to age 65

The years when you are working and raising your family are the years when mortgage and education expenses are greatest—and you have the most to protect. PruTerm WorkLife 65, from Pruco Life Insurance Company, provides affordable coverage designed to last through this critical time—with a combination of special benefits you won’t find from any other leading insurance company.

 A smart solution for today’s economic reality,

PruTerm WorkLife 65 offers you:

  • Life insurance protection until age 65—no matter when you buy the policy.
  • Forty years of coverage, if you purchase the policy at age 25.
  • Affordable premiums that stay the same to age 65—guaranteed. For example, a 40-year-old male who qualifies for Preferred Best underwriting could own a $250,000 policy for less than $35 a month for the next 25 years.
  • Built-in premium payment protection if you lose your job or become disabled. See conditions and limitations below.
  • Guaranteed conversion to a permanent life insurance policy, without a medical exam.
  • Coverage from a trusted name that offers Rock Solid® financial solutions.

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In reference to other leading insurance companies mentioned above, the companies used in these comparisons were identified as our top competitors based on their total premium sales reported to LIMRA 3Q2010, and the overall competitiveness of their products.

Men and women between the ages of 25 and 55 can apply for this policy, except in Washington, where issue ages are 35 to 55.

Eligibility and rates will vary based on the satisfaction of our underwriting criteria. After age 65, premiums increase annually to age 85.

The conditions and limitations associated with the built-in premium payment protection referenced above are as follows:

  • Premiums waived if you become unemployed after the first contract anniversary, but before age 65. We will waive one continuous year of premiums. You must remain unemployed for 60 days, receive state unemployment benefits and have been continuously employed for a full year preceding the date unemployment began. The unemployment feature may be used only once.
  • You become disabled prior to age 65, policy premiums will be waived until you recover or turn 65, whichever happens first.
 
~For guaranteed conversions referenced above: We allow conversions to survivorship policies at our own discretion; we may discontinue the practice at any time. WorkLife 65′s built-in Insured’s Waiver of Premium Benefit Rider for disability and unemployment is not eligible for conversion.
 
PruTerm WorkLife 65 is issued by Pruco Life Insurance Company in all states (where available) except New York, where, if available, it is issued by Pruco Life Insurance Company of New Jersey. Each is located in Newark, NJ, and is solely responsible for its own financial condition and contractual obligations. The contract number is PLTUB-2011. The Insured’s Waiver of Premium Benefit Rider number is Form TB 102-2011.
 
All guarantees are based on the claims-paying ability of the issuer. All products, features, and benefits may not be available in all states. Terms and restrictions apply. The issuing company may have the right to contest the policy for misrepresentation or to apply the suicide clause.
 
Pruco Life Insurance Company, an Arizona company—California COA # 3637, NAIC # 79227