Protection Made Simple.

Term Essential offers you a very simple solution to your protection needs. It is affordable, lets you choose an insurance amount from $100,000 to $65 million³ and offers a choice of:

• Level Premiums and a Premium Guarantee Period¹
• Conversion Privilege
• Payment Options
• Optional Riders and Benefits

Term Essential, issued by Pruco Life Insurance Company or by Pruco Life Insurance Company of New Jersey in New Jersey and New York, is an ideal policy for those who want a larger amount of death benefit protection for a lower initial cost. It can help your family achieve the goals you've established if you're not there. The death benefit it provides can be used to help pay off a mortgage or business loan, help your child attend the college you both dreamed about, or better enable your spouse to retire in the style you've planned.

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FEATURES

You choose the guaranteed level premium period you'd like—10, 15, 20 or 30 years. After the level premium period, premiums increase annually within the range stipulated in the contract to age 95 (80 in New York). The premiums after the level period are not guaranteed but will never be more than the maximum stated in the contract.

This feature allows you to convert your term policy to a permanent one without taking another medical exam. Term Essential allows this anytime throughout the life of the policy until the lesser of the level premium paying period or age 65, but never less than five years after issue.

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.)

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, at specified times, to any permanent policy 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 OR.)

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 OR.)

Term Essential 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.

1 The company reserves the right to charge the maximum premium beginning with any premium re-determination date. The premium at re-determination date, if less than the maximum premium stated in the policy, is not guaranteed beyond the current re-determination period. Also, the premium at re-determination date is subject to the company's expectations as to one or more future cost factors including persistency, expenses, mortality and interest. Any increase in premium will not result in an increase in your benefits or cash values, if any, or other non-forfeiture values.

2 Policies must meet certain face amounts requirements before the Living Needs Benefit will be added to the contract. When a claim is paid under this rider, a reduction for early payment is applied and a $150 processing fee is deducted. Each additional policy used for the same claim will have a processing fee of up to $150. Receipt of accelerated benefits may be taxable; assistance should be sought from a personal tax advisor. Receipt of accelerated benefits may affect eligibility for public assistance programs. The Living Needs Benefit is not available in Minnesota to new purchasers over age 65 until the policy has been in force for one year, and the nursing home option is not available in New York or the District of Columbia. Term policies in Oregon must have waiver of premium to have Living Needs Benefit. Living Needs Benefit is not available in Massachusetts.

3 Face amounts are subject to our retention limits. Face amounts in excess of our retention limits will be considered, on a case-by-case basis, subject to the availability of reinsurance.

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 Term Essential and is not a contract. This material is not intended to provide legal or tax advice. Consult your own professional advisers on how any product discussed may benefit your particular situation and how best to utilize any such product.

Term Essential is issued by Pruco Life Insurance Company, an Arizona corporation, in all states except New Jersey and New York, where it is issued by Pruco Life Insurance Company of New Jersey. Both are Prudential Financial companies and are located at 213 Washington Street, Newark, NJ 07102. Each is solely responsible for its own financial condition and contractual obligations. All products may not be available in all states. (Pruco Life California Certificate of Authority 3637). Policy form number PLTIC-2005.

All guarantees are based on the claims-paying ability of the issuing company.

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