Joint Protection
If you want an insurance policy that insures two people with the death benefit payable upon the death of the second insured (called second-to-die or survivorship life insurance), offers short-term guarantees, and can help with your estate protection needs, PruLife SUL Plus may be just what you need.

PruLife SUL Plus issued by Pruco Life Insurance Company (in New York issued by Pruco Life Insurance Company of New Jersey), is a "second-to-die" or survivorship universal life insurance policy that offers many features to meet your needs, including:

• Face amounts available from $250,000 to $70 million (Subject to underwriting guidelines)
• Issue ages from 18 to 90 (Some limits apply)
• Flexible Premiums
• Guarantee Against Lapse
• Three Death Benefit Options
• Competitive Interest Crediting Rate
• Cash Value Accumulation
• Options for Additional Protection and Flexibility

PruLife SUL Plus's flexibility may make this policy an ideal choice for:

Estate Planning
Your loved ones can use the death benefit proceeds to help pay estate taxes at a time when those funds are needed, potentially without having to liquidate assets under duress.

Business Continuation
In the estate plan of a family business owner, the death benefit can help your heirs pay estate taxes, potentially without liquidating other assets or selling the business.

Part of a Rock-Solid® Tradition
PruLife SUL Plus is issued by a member of the Prudential Financial family of companies. Today, Prudential Financial serves millions of customers worldwide.

FEATURES

With PruLife SUL Plus, you get the flexibility to choose when you want to make premium payments and the amount you'd like to pay, subject to certain limitations. You can pay anything from the minimum needed to support policy charges up to the maximum allowed by federal tax law.

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

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

PruLife SUL Plus offers an optional Short-Term No-Lapse Guarantee. Paying the required premium when due will maintain this guarantee for seven years. This guarantee secures your death benefit regardless of any changes in the policy's interest crediting rates, charges, or cash value. All guarantees are based on the ability of the issuing company to pay claims.

Having the choice of three death benefit options allows you to customize your policy to meet your goals now and in the future.

Fixed (Type A) If you would like the potential to accumulate more cash value, then select the fixed death benefit.

Variable (Type B) If you anticipate that your need for insurance will likely increase over time, select the variable death benefit. It generally increases each year and changes as the cash value increases or decreases but is never less than the face amount.

Return of Premium plus Interest (Type C) If you own a business and plan to use the policy to fund business continuation agreements, consider the option that returns your premiums plus interest.

Your policy will be credited with a competitive interest rate; and, should interest rates fall, Pruco Life (or Pruco Life of New Jersey) guarantees a minimum interest rate of 3%. A policy kept in force for the long term may earn even more interest with additional excess interest after the policy's 11th anniversary. (Not available in all states).

Although the primary purpose of life insurance is to provide a death benefit, once your policy has accumulated cash value, you may be able to access that value, potentially income tax free, through withdrawals or policy loans. Please note that loans and withdrawals will reduce cash values and death benefits and may have tax consequences. If you have an outstanding loan and your policy lapses or is surrendered, any gain in the policy may be taxable.

PruLife® SUL Plus offers these features to provide you with even greater protection. Some riders have additional costs and some are not available in all states.

Estate Protection Rider:
Available upon request for an additional cost, this rider increases the death benefit by up to 100% if both insureds die before the policy's fourth anniversary. For the purposes of calculating the federal estate tax, the rider's additional death benefit can be used to pay the federal estate tax liability incurred if the policy proceeds are included in the estate of the second insured to die. (Rider form #: VL 194 C-2000)

Guaranteed Policy Split Rider:
This rider allows for the policy to be split into two individual policies in the case of divorce or a change in the tax law that would eliminate the unlimited marital deduction. There is no charge for this endorsement, and no evidence of insurability is required when the policy is split. (Rider form #: PLI 493-2003 (PLY 118-2003 for NY)

Target Term Rider:
Available upon request for an additional cost, this rider adds a flexible term insurance benefit to your life insurance policy until the younger insured reaches age 100. You can specify the amount of term rider coverage you desire, up to four times your base policy's face amount. While the rider is in effect, you can increase or decrease the coverage amount, subject to minimums and maximums. The amount of term rider coverage is guaranteed while a Short-Term No-Lapse Guarantee is in effect. (Rider form #: VL 198 C-2003 for SUL contracts without type C death benefit; VL 198 C2-2003 for SUL contracts with type C death benefit) Not available in NY.

Waiver of Surrender Charge Endorsement:
Available at no additional charge, this endorsement allows you to surrender your policy without surrender charges within a specified period should the federal estate tax be permanently repealed. (Rider form #: PLI 491-2003 (PLY 116-2003 for PLNJ issues)

*All riders, benefits and features may not be available in all states and for all issue ages and underwriting categories.

PruLife® SUL Plus is issued by Pruco Life Insurance Company, an AZ corporation, in all states except New York, where it is issued by Pruco Life Insurance Company of New Jersey. Both Pruco Life companies are Prudential Financial companies and are located at 213 Washington Street, Newark, NJ 07102-2992. (Pruco Life California Certificate of Authority 3637). Each is solely responsible for its own financial condition and contractual obligations. The policy form number is SUL-2003.

Life insurance policies contain exclusions, limitations, reductions of benefits and terms for keeping them in force. Your licensed financial professional can provide you with costs and complete details.

This material is designed to provide general information about PruLife SUL Plus and is not a contract. This website material is not intended to provide legal or tax advice. Consult your own personal professional advisors on how any product discussed may benefit your particular situation and how you utilize any such product.

IFS-A079674 Ed. 8/04


All riders, benefits and features may not be available in all states and for all issue ages and underwriting categories.

PruLife® SUL Plus is issued by Pruco Life Insurance Company, an AZ corporation, in all states except New York, where it is issued by Pruco Life Insurance Company of New Jersey. Both Pruco Life companies are Prudential Financial companies and are located at 213 Washington Street, Newark, NJ 07102-2992. (Pruco Life California Certificate of Authority 3637). Each is solely responsible for its own financial condition and contractual obligations. The policy form number is SUL-2003.

Life insurance policies contain exclusions, limitations, reductions of benefits and terms for keeping them in force. Your licensed financial professional can provide you with costs and complete details.

This material is designed to provide general information about PruLife SUL Plus and is not a contract. This website material is not intended to provide legal or tax advice. Consult your own personal professional advisers on how any product discussed may benefit your particular situation and how you utilize any such product.

Prudential is authorized to transact business in all U.S. states and the District of Columbia. Product availability varies by state.

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