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 Cheapest Life Insurance USA

Prudential - Life Insurance

About Prudential

Insurance Prudential is a trusted name in quality insurance products. As a top issuer of life, personal lines property & casualty insurance, as well as annuities, they have distinguished themselves as an industry leader.

Prudential's strength lies in their commitment to their customers. This commitment centers around educating and empowering individuals to make informed financial decisions. Prudential have designed their Web site with this goal in mind. Consider it your personal guide to valuable insurance and financial information, and to their comprehensive portfolio of insurance products and services.

Prudential Life Insurance

Life insurance should be an essential part of any financial plan. Its primary purpose is to provide your loved ones with the protection needed to ease the financial burden of death. In this capacity, the proceeds can be used to help meet your children's college expenses, help ensure a comfortable retirement for your spouse, or assist with the payment of any outstanding debts. In addition to providing the necessary death benefit, certain policies offer income tax-deferred cash value accumulation potential, providing you with a possible funding source for future needs. Of course, withdrawals and loans may reduce policy cash values and the death benefit and may have tax consequences.

Prudential Life Insurance Products

Variable Life Insurance

Variable life insurance policies provide death benefits and potential cash values that can vary with the performance of an underlying portfolio of investments. Prudential's variable life insurance policies give you the freedom to allocate your premium dollars among a variety of investment options, each with varying degrees of risk and reward. Also included among your choices is a Fixed-Rate Option.

Primary advantages of variable life insurance include premium payment flexibility, along with the potential for future growth of your cash value and death benefit - if the investment experience of the underlying investment options is favorable. However, keep in mind that the cash value of a variable life insurance policy and perhaps also the death benefit, can fluctuate based on the performance of the policy's underlying investment options.

PruLife Universal

Flexibility for life. PruLife Universal, issued by Pruco Life Insurance Company, is a flexible life insurance policy, offering the security of lifetime protection, similar to that of a traditional whole life insurance policy, plus:

• the flexibility to decide how much and how often to pay premiums (within limits).
• a choice of death benefit options.
• the security of a guarantee against lapse.
• the potential to accumulate cash value with their competitive crediting rates.

This flexibility makes PruLife Universal an ideal alternative to traditional whole life insurance.

Term Life Insurance

Term policies can meet a wide variety of business and personal needs. Prudential's term insurance is a competitive and practical way to provide the most coverage for your premium dollar. Whether you want to supplement your existing coverage or simply purchase insurance to meet a specific need, Prudential's term portfolio has the flexibility to meet your needs. The following term life policies are available:

• Term Elite - a product with guaranteed level premium coverage available for 10, 15 or 20 years.
• Term Essential - is designed to offer pure death benefit protection, while meeting your life insurance needs over the short, medium or long term.

Prudential Classic Permanent Life Insurance

When you want life insurance without the guesswork, Prudential's classic permanent life insurance is worth a look. The combination of policy guarantees and a conservative investment strategy makes whole life a good choice for conservative insurance buyers.

Prudential's policies offer guaranteed death benefits, guaranteed cash values and scheduled premiums with a variety of payment options. They also afford you the opportunity to earn dividends. While not guaranteed, these dividends can be used in a variety of ways to enhance your policy's total death benefit and cash values. Prudential offers the following whole life insurance policies:

• Prudential Classic Life - guaranteed lifetime death benefit protection with guaranteed cash values and guaranteed level premiums payable to age 100.
• Prudential Classic 85 Life - guaranteed lifetime death benefit protection with guaranteed cash values and guaranteed level premiums payable until age 85.
• Prudential Custom Classic Life - their newest classic product that combines valuable features of permanent and term life insurance in one blended policy. The product is designed for insurance buyers who are willing to take some premium risk.

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