Universal life insurance combines a regular term life insurance policy with a tax-deferred savings account. This financial versatility makes it an attractive addition to benefits offerings for your business. Prudential universal life insurance is one of the more popular forms of this type of policy. Prudential offers two versions of its universal life insurance policy, the PruLife Universal Protector and PruLife Universal Plus.

Universal life insurance is one of several permanent policies that can provide lifetime protection. It can help meet the needs of people who desire long-term death benefit protection with a flexible premium structure. Here are things to consider when looking at a Prudential universal life policy:

1. Learn about the PruLife Universal Protector policy.

2. Learn about the PruLife Universal Plus policy.

3. Get in touch with a Prudential universal life agent and obtain a quote.

Action Steps
The best contacts and resources to help you get it done

Investigate qualities of the PruLife Universal Protector policy

PruLife Universal Protector is a permanent policy with affordable guaranteed protection. Its features include protection you can guarantee for your lifetime or any period you choose; choice in how and when you make premium payments and how much to pay; two death benefit options for additional flexibility and the potential for non-guaranteed tax-deferred cash value accumulation.

I recommend: Request a quote for Prudential universal life insurance from the company website. Most rates have fallen for PruLife Universal Protector Life Insurance, issued by Pruco Life Insurance Company of NJ, along with other authorized Prudential companies.

Check out features of the PruLife Universal Plus policy

PruLife Universal Plus can grow with your needs, offers death benefit protection and builds cash value at competitive interest rates. Features of the policy include protection that is guaranteed for short periods based on premiums paid; potential to accumulate non-guaranteed tax-deferred cash value at a competitive interest-crediting rate; choices in how and when you make your premium payments and how much to pay; and threedeath benefit options for additional flexibility.

I recommend: Get a quote from Prudential on the PruLife Universal Plus policy. How much life insurance is enough? Get a quick estimate with the company's life insurance needs estimator.

Select the best life insurance option for your business

Prudential not only offers the basic universal life policy, but also Prudential universal term life insurance, Prudential universal life accident insurance and Prudential indexed universal life insurance. There are a whole host of offerings from Prudential that may enhance or replace the benefit plan advantages of universal life insurance.

I recommend: Examine the many other product offerings from Prudential and conduct a cost benefit analysis of these products. Get a quote for a Prudential universal term life insurance policy.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Universal life insurance or any other type of insurance can have some benefits; however, this should only be a small part of a proportionally larger investment and financial planning strategy.