Your Stepping Stone to Permanent Insurance.

If your long-range goal is permanent life insurance but you’re not ready for the financial commitment it entails, Term Elite, issued by Pruco Life Insurance Company or by Pruco Life Insurance Company of New Jersey in New Jersey and New York, may be an ideal first step. It offers a generous conversion privilege, guaranteed level premiums for 10, 15, or 20 years (and increasing annually thereafter), a choice of insurance amounts from $100,000 to $65 million,³ and:

• Fully Guaranteed Level Premiums¹
• Conversion Privilege
• Conversion Credit
• Payment Options
• Optional Riders and Benefits

Instant Quotes

FEATURES

With Term Elite you choose the level premium period you’d like—10, 15, or 20 years. After the level premium period, premiums increase annually and are guaranteed to age 95 (80 in New York).

This feature allows you to convert your term policy to a permanent one without taking another medical exam. Term Elite allows this anytime throughout the life of the policy until age 65 or five years after issue, whichever is later.

If you convert your policy within the first five years after issue, a premium credit will be applied to your permanent policy’s first-year premium—a convenient way to ease into permanent insurance payments.

You can choose the method and timing of billing you prefer:

• Annual
• Semiannual
• Quarterly
• Monthly, via automatic electronic funds transfers from your checking account

The following riders and additional benefits are available to help you tailor your policy to your specific needs. Some riders may require additional premiums, and some are not available in all states.

Living Needs Benefit^SM: A long illness that precedes death can be financially devastating to loved ones. For no additional premium, this valuable rider can help relieve some of the financial strain by enabling you to receive all or part of the death benefit while you are alive if you become terminally ill, are permanently confined to a nursing home, or need a vital organ transplant and meet certain criteria.² (The rider form number is ORD 87241.) This rider is not available in Massachusetts.

Children’s Protection Rider: You can provide temporary insurance protection for your eligible children. The insurance coverage available with this rider offers level premiums, a level death benefit, and an option to convert to any of our permanent policies up to five times the rider's face amount, without evidence of insurability. This option may be exercised at specified times, until a child reaches age 25. This rider can help them begin their own life insurance program. This rider is available for an additional premium. (The rider form number is VL 182 B-2000.)

Waiver of Premium: A disability can put a financial strain on everyone’s budget. To ensure your policy will not lapse during a period of disability, this benefit waives your premium payments should you become totally disabled under the terms of your policy. This benefit is available for an additional premium. (The rider form number is VL 100 B-2000.)

Accidental Death Benefit: An accidental death can be especially devastating. To help your loved ones, this rider will pay your beneficiaries an additional death benefit if your death is accidental as defined in the rider. This benefit is available for an additional premium. (The rider form number is VL 110 B-2000.)

Term Elite is issued by members of the Prudential Financial family of companies. Today, Prudential Financial helps meet the insurance and financial security needs of millions of people worldwide. You can rely on us to deliver on our promises.