Customize your policy with riders

Add optional features to enhance your coverage and address specific concerns.

Terms and conditions apply for each.

If you become seriously ill

Unlock the value of your policy for your own needs when you qualify. These riders let you take some or all of your death benefit while you’re still alive; as a result, they will reduce and may eliminate the death benefit for your beneficiaries.

If you become chronically or terminally ill, this rider accelerates (makes available), your death benefit while you’re alive. You can use the money in any way you want. (You’ll need additional underwriting and pay an extra cost to add the rider to your policy.)

Related policies:

If both people insured by the policy become chronically or terminally ill at the same time, or if the survivor becomes chronically or terminally ill, this rider can help. When the criteria are met, you can access the death benefit while you and/or the other insured is still alive—and use the money any way you want. (You and the other insured person will need additional underwriting and pay an extra cost to add this rider to your policy.)

Related policy:

If you’re diagnosed with a terminal illness or, in some states, need a vital organ transplant or expect to be permanently confined to a nursing home, this rider accelerates (makes available) your death benefit while you’re alive. You can use the money however you like. Plus, there’s no charge to add the rider to your policy—only if you use it. (State variations may apply. Not available in WA.)

Related policies:

The Terminal Illness Rider is an additional feature of your EssentialTerm policy that allows for the acceleration of your death benefit if you are diagnosed with a terminal illness that is expected to result in death within six months or less. This means you can access your policy’s benefits sooner, providing financial relief when it's most critical. 

Related policies:

If you become disabled

If you lose your ability to work, it might be hard to pay your premiums. These riders ensure your policy remains in effect.

Available on term policies, this benefit keeps your coverage intact.

Related policy:

Available on permanent policies, this benefit keeps your coverage intact.

Related policies:

If the insured person becomes totally disabled (as defined in the rider) for at least six continuous months, Prudential will cover the monthly charges.

Related policies:

If you want to provide your family with an extra death benefit

These riders are economical ways to provide life insurance for minor children or an extra death benefit if you have a fatal accident. Each is available for an additional cost.

Available on term policies, this option lets you provide life insurance for your young children. You can also convert the coverage to a new permanent policy at specific ages.

Related policy:

Available on our permanent policies, this option lets you provide life insurance for your young children. You can also convert the coverage to a new permanent policy at specific ages.

Related policies:

A fatal accident can be especially devastating to your family. This benefit will pay an extra death benefit if you’re in an accident that directly causes your death. (Not available in MA.)

Related policies:

If you plan to use the cash value

These riders can help keep your policy in force or increase the cash value under certain circumstances.

If you have an outstanding policy loan, it’s possible your policy could lapse. For a one-time charge when exercised, this rider can help prevent that.

Related policies:

If you need to give up your policy in the early years, this rider offers higher cash surrender values. (Primarily for business use. Not available in NY.)

Related policies:

If your policy is part of your estate planning with a spouse or partner

These riders can help you adapt your policy to changes in your life or the tax law, and help protect your heirs and beneficiaries if both insured people die very early on.

You can split one policy into two if estate laws change or you get divorced.

Related policies:

This rider boosts the death benefit by up to 100% if both insured people die before the 4th policy anniversary.

Related policies:

Disclosure

Rider forms and their availability can vary by product and state. The rider form numbers may be followed by a state code:

Waiver of Monthly Deductions: PruLife Essential UL & PruLife Founders Plus UL: ICC18 VL 100 B-2018 or VL 100 B-2018.

Waiver of Premium: Prudential EssentialTermSM Value, Prudential EssentialTerm PlusSM, Term Essential TB 100-2000.

Enhanced Disability Benefit: Prudential FlexGuard Life IVUL, VUL Protector, & PruLife Custom Premier II: VL 100 B-2017, or ICC17 VL 100 B-2017; Prudential Momentum IUL: VL 100 B2-2016 or ICC16 VL 100 B2-2016;

Children Level Term Rider: PruLife Essential UL, Prudential FlexGuard Life IVUL, Prudential Momentum IUL, PruLife Founders Plus, PruLife Custom Premier II and VUL Protector: ICC16 VL 182 B-2016 or VL 182 B-2016.

Children’s Protection Rider: Prudential EssentialTermSM Value, Prudential EssentialTerm PlusSM, Term Essential: TB 182-2000; TB 184-2000 for after issue. There may be state variations.

Accidental Death Benefit: (Not available in MA); Prudential EssentialTermSM Value, Prudential EssentialTerm PlusSM, Term Essential: TB 113-2000; PruLife Essential UL, Prudential FlexGuard Life IVUL, Prudential Momentum IUL, PruLife Founders Plus, PruLife Custom Premier II, and VUL Protector: VL 110 B-100 or VL 100 B-2000 (in OR).

Overloan Protection Rider: PruLife Founders Plus, Prudential Momentum IUL, and Prudential Prudential FlexGuard Life IVUL: ICC17 PLI 552-2017 or PLI 552-2017; PruLife Essential UL, VUL Protector, PruLife Custom Premier II, PruLife Survivorship Index UL, and PruLife SVUL Protector: ICC17 PLI 552-2017 or PLI 552-2017 or PLY 141-2017 (in NY).

Enhanced Cash Value Rider: (Not available in NY); Prudential FlexGuard Life IVUL: ICC18 PLI 496-2018 , Prudential Momentum IUL and PruLife Founders Plus: ICC17 PLI 496-2017 or PLI 496-2017; PruLife Survivorship Index UL: ICC18 PLI 557-2018 or PLI557-2018; PruLife Essential UL: PLI 496-2018 or ICC18 PLI 496-2018; PruLife Custom Premier II and PruLife SVUL Protector: PLI 496-2014 or ICC14 PLI 496-2014; PLI 496-2018 or ICC18 PLI 496-2018; VUL Protector: PLI 496-2018 or ICC18 PLI 496-2018.

Guaranteed Policy Split Rider: PruLife SUL Protector: PLI 493-2015 or ICC15 PLI493-2015 or PLY 118-2015. PruLife Survivorship Index UL and PruLife SVUL Protector: PLI 493-2018 or ICC18 PLI 493-2018 or PLY 118-2018.

Estate Protection Rider: PruLife SUL Protector, PruLife SVUL Protector, and PruLife Survivorship Index UL: ICC15 VL 194 C-2015 or VL 194 C-2015, ICC18 PLI 493-2018 or
PLI 493-2018.

Living Needs BenefitSM

The Living Needs BenefitSM is an accelerated death benefit and is not a health, nursing home, or long-term care insurance benefit and is not designed to eliminate the need for insurance of these types. There is no charge for this rider, but when a claim is paid under this rider, the death benefit is reduced for early payment, and a $150 processing fee ($100 in Florida) is deducted. If more than one policy is used for the claim, each policy will have a processing fee of up to $150 deducted ($100 in Florida). Portions of the Living Needs Benefit℠ payment may be taxable, and receiving an accelerated death benefit may affect your eligibility for public assistance programs. The federal income tax treatment of payments made under this rider depends upon whether the insured is considered “terminally ill” or “chronically ill” and, if the policy is business related, whether the insured is receiving the benefits. We suggest the policyowner seek assistance from a personal tax advisor regarding the implications of receiving Living Needs Benefit℠ payments. This rider 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 California, Connecticut, Florida, Massachusetts, New York, or the District of Columbia. This rider is not available in Washington state. In Oregon, term policies must include the waiver of premium benefit to be eligible for this rider. The form numbers for the Living Needs Benefit℠ are ORD 87241, ORD 87335, ORD 87241-90-P, and ORD 87241-92-P (in OR); there may be state variations.

Terminal Illness Rider

The Terminal Illness Rider is available without an extra premium. Obtaining benefits under the terms of the rider will reduce and may eliminate the death benefit. Benefits paid under the Terminal Illness Rider are intended to be treated for federal tax purposes as accelerated life insurance death benefits under IRC §101(g)(1)(b). Tax laws related to the receipt of accelerated death benefits are complex and benefits may be taxable in certain circumstances. Receipt of benefits may affect eligibility for public assistance programs such as Medicaid. Accelerated benefits paid under the terms of the Terminal Illness Rider are subject to a processing fee of up to $100. Clients should consult tax and legal advisors prior to initiating any claim. A licensed physician must certify that the insured is terminally ill to qualify for benefits. Other terms and conditions may apply. The rider may not cover all of the costs associated with terminal illness. The rider is a life insurance accelerated death benefit product, is generally not subject to health insurance requirements, and may not be available in all states. The rider form number for the Terminal Illness Rider is either ICC16 TB 146-2016 or TB 146-2016, which may be followed by a state code.

BenefitAccess Rider

The rider form number varies by underlying insurance product and is either ICC17 VL 145 B5-2017, VL 145 B5-2017, ICC18 VL 145 B6-2018, or VL 145 B6-2018;
in CA: VL 145 B2-2013 (ED 2015) CA, VL 145 B3-2014 CA, or VL 145 B3-2014 (ED 2015); in NY: VL 145 B4-2016 NY or VL 145 B6-2020.

Non-California Residents:

The BenefitAccess Rider is available for an extra premium. Additional underwriting requirements and limits may also apply. Receiving benefits under the terms of the rider will reduce and may eliminate the death benefit.

Benefits paid under the BenefitAccess Rider are intended to be treated for federal tax purposes as accelerated life insurance death benefits under IRC §101(g)(1)(b). Tax laws related to receiving accelerated death benefits are complex, and benefits may be taxable in certain circumstances. Receipt of benefits may affect eligibility for public assistance programs such as Medicaid. Accelerated benefits paid under the terms of the Terminal Illness portion of the rider are subject to a $150 processing fee ($100 in Florida). Please consult your tax and legal advisors before initiating a claim.

To qualify for chronic illness benefits, you (the insured) must be certified as chronically ill by a licensed health care practitioner. For chronic illness benefits to continue beyond one year, recertification by a licensed health care practitioner is required. Other terms and conditions may apply, including an elimination period. The elimination period is a term of 90 consecutive calendar days that must pass before benefits can be payable. To qualify for terminal illness benefits, you must be certified as terminally ill by a licensed physician. This rider is not Long-Term Care (LTC) insurance, and it is not intended to replace LTC. The rider may not cover all of the costs associated with chronic or terminal illness. It is a life insurance accelerated death benefit rider and is generally not subject to health insurance requirements. The availability of the rider as well as terms and conditions may vary by state.

The BenefitAccess Rider is a life insurance benefit that gives you, the policyowner, the option to accelerate some or all of your life insurance policy's death benefit if you meet the criteria for a qualifying event described in the policy. This policy or certificate does not provide Long-Term Care insurance subject to California Long-Term Care insurance law. This policy or certificate is not a California Partnership for Long-Term Care program policy. This policy or certificate is not a Medicare supplement (policy or certificate). Benefits paid under the BenefitAccess Rider are intended to be treated for federal tax purposes as accelerated death benefits under IRC §101(g)(1)(B). Receiving benefits under the terms of the rider will reduce and may eliminate the net death benefit your beneficiaries will receive.

It is important to understand the differences between the BenefitAccess Rider (BenefitAccess) and Long-Term Care (LTC) insurance.

BenefitAccess is an Accelerated Death Benefit (ADB) rider on a life insurance policy and is not LTC insurance, nor is it intended to replace the need for LTC insurance.

  • There is no requirement for the insured to incur LTC expenses in order to be eligible for BenefitAccess benefits. Eligibility for BenefitAccess benefits is based on the insured's chronic illness condition, not the LTC expenses they incur. LTC insurance policies pay on an expense reimbursement basis and benefit eligibility is based on evidence (such as receipts) that the insured has incurred qualified LTC expenses. The benefit payment on an LTC policy amount is equal to the amount of LTC expenses incurred by the insured during that benefit period.
  • The total benefit amount available under BenefitAccess is the death benefit of the life insurance policy. The total benefit amount available under an LTC insurance policy is based on a benefit level and a pool of money selected by the policyowner at the time of purchase.
  • Once the insured qualifies for BenefitAccess benefits, payments can begin immediately and there are no restrictions on the use of benefit payments. LTC insurance policies often require that a waiting period or elimination period (such as 90 or 100 days) be satisfied before benefit payments begin, and benefits must be used to pay for qualified LTC expenses.
  • There may be other differences between BenefitAccess and any specific LTC insurance policy. You should carefully review the specific details of each before making any decision to purchase.

For New York contracts: 

Please also note the rider is not subject to the minimum requirements of New York law, does not qualify for the New York State Long-Term Partnership Program, and is not a Medicare supplement policy. In addition, receiving accelerated death benefits may affect clients’ eligibility for public assistance programs and such benefits may be taxable. Benefit payments may only be made if the payments are subject to favorable tax treatment by the federal government. When determining whether the benefit payments will receive favorable tax treatment, the payment of benefits from all insurance policies must be considered. Benefit payments may be reduced or unavailable if they are expected to exceed the maximum amount eligible under Internal Revenue Code Section 101(g)(1) and all other applicable sections of federal law for favorable tax treatment. 

For some Connecticut contracts:

To be eligible for chronic illness benefits you must also have been confined in a home or institution for at least six months previously. This confinement must have been illness related. It also must be expected to continue for life. 

Survivorship BenefitAccess Rider

Benefits paid under the Survivorship BenefitAccess Rider are intended to be treated for federal tax purposes as accelerated life insurance death benefits under IRC §101(g)(1)(b). Tax laws related to receiving accelerated death benefits are complex, and benefits may be taxable in certain circumstances. Receipt of benefits may affect eligibility for public assistance programs such as Medicaid. Accelerated benefits paid under the terms of the Terminal Illness portion of the rider are subject to a $150 processing fee ($100 in Florida). Please consult your tax and legal advisors before initiating a claim.

To qualify for chronic illness benefits, both insured individuals (or the surviving insured individual) must be certified as chronically ill by a licensed health care practitioner. Benefits are not payable if both insured individuals are alive and only one insured is certified as chronically ill. For chronic illness benefits to continue beyond one year, recertification by a licensed health care practitioner is required. Other terms and conditions may apply, including an elimination period. The elimination period is a term of 90 consecutive calendar days that must pass before benefits can be payable. To qualify for terminal illness benefits, both insured individuals (or the surviving insured individual) must be certified as terminally ill by a licensed physician.

This rider is not Long-Term Care (LTC) insurance, and it is not intended to replace LTC. The rider may not cover all of the costs associated with chronic or terminal illness. It is a life insurance accelerated death benefit rider and is generally not subject to health insurance requirements. The availability of the rider as well as terms and conditions may vary by state. 

If your survivorship policy will be owned by a trust or non-living entity, you should consult a tax advisor prior to electing the Survivorship BenefitAccess Rider. Clients should always consult their tax and legal advisors when considering the purchase of a life insurance policy and/or accelerated death benefit rider.

Rider form number is VL 147 SB1-2018 or ICC18 VL 147 SB1-2018 (currently available on Survivorship Index UL). 

 

PruTerm One (ICC17 PART-2017 or PART-2017), Prudential EssentialTermSM Value (ICC24-ETV or ETV-2024), Prudential EssentialTermSM Plus (ICC24-ETP or ETP-2024), Term Essential (PLTIC-2019 or ICC19, PLITIC-2019), PruLife Essential UL (EULPR-2018, ICC18 EULPR-2018), PruLife® Founders Plus Indexed UL (IULPR-2020 orICC20-IULPR), Prudential Momentum IUL (ICC24-MIUL and MIUL-2024), VUL Protector (VULPR-2021 orICC21 VULPR), PruLife Custom Premier II (ICC18 VUL - 2018 or VUL - 2018), PruLife Survivorship Index UL (SIULPR-2018 or ICC18 SIULPR-2018), PruLife SUL Protector (SULPR-2017 or ICC17 SULPR-2017), and PruLife SVUL Protector (SVULPR-2021 or ICC21 SVULPR) are issued by Pruco Life Insurance Company, except in New York, where they are issued by Pruco Life Insurance Company of New Jersey. Both are Prudential Financial companies located in Newark, NJ, and both are solely responsible for their own financial condition and contractual obligations. VUL Protector, PruLife Custom Premier II, and PruLife SVUL Protector are offered through Pruco Securities LLC (member SIPC), Newark, NJ. Prudential FlexGuard Life (IVUL-2022 and IVUL-2024) is issued by Pruco Life Insurance Company and offered through Pruco Securities, LLC (member SIPC), except in New York, where it is not available. Both are Prudential Financial companies located in Newark, NJ.

All guarantees and benefits of the insurance policy are backed by the claims-paying ability of the issuing insurance company and do not apply to any underlying investment options.

Minor number for compliance use only:

 

1011223-11

Major number for compliance use only:

 

1011223-00011-00

For Compliance Use Only: