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CMG SUCCESS CONFERENCE AUG 7-9, 2013

CREATED EXCLUSIVELY FOR FINANCIAL PROFESSIONALS. CMG SUCCESS CONFERENCE AUG 7-9, 2013. Annette Mulholland, Vice President National Accounts. 0248126-00001-00 Ed. 08/2013 Exp. 02/05/2015.

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CMG SUCCESS CONFERENCE AUG 7-9, 2013

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  1. CREATED EXCLUSIVELY FOR FINANCIAL PROFESSIONALS • CMG SUCCESS CONFERENCE • AUG 7-9, 2013 Annette Mulholland, Vice President National Accounts NOT FOR CONSUMER USE 0248126-00001-00 Ed. 08/2013 Exp. 02/05/2015

  2. CREATED EXCLUSIVELY FOR FINANCIAL PROFESSIONALS What’s New at Pru? • Prudential Individual Life acquired Hartford’s individual life as of January 2, 2013 • 2013-2014: INTEGRATION • WHY SHOULD YOU CARE? NOT FOR CONSUMER USE

  3. CREATED EXCLUSIVELY FOR FINANCIAL PROFESSIONALS NOT FOR CONSUMER USE

  4. Product Portfolio Integration Approach CREATED EXCLUSIVELY FOR FINANCIAL PROFESSIONALS 2013 Existing Interim - NOW Goal Summer / Fall 2013 2014 Legacy Hartford Legacy Hartford PrudentialNew Product Portfolio Legacy Pru Legacy Pru NOT FOR CONSUMER USE

  5. CREATED EXCLUSIVELY FOR FINANCIAL PROFESSIONALS A New Choice • Introducing … • PruLife® Universal Protector (UL Protector) • With the BenefitAccess rider UL Protector can provide lifetime death benefit protection. With the optional BenefitAccess Rider, the insured may also qualify for 100% acceleration of the policy’s face amount NOT FOR CONSUMER USE

  6. CREATED EXCLUSIVELY FOR FINANCIAL PROFESSIONALS Come to the Prudential Workshop Learn about: • The 5 W’s of chronic illness care • How PruLife® Universal Protector featuring the optional BenefitAccess Rider can help • Building your sales by offering a valuable new option to your clients NOT FOR CONSUMER USE

  7. CREATED EXCLUSIVELY FOR FINANCIAL PROFESSIONALS Important Information • PruLife® Universal Protector is issued by Pruco Life Insurance Company in all states except New York, where, if available, it is issued by Pruco Life Insurance Company of New Jersey. Both are Prudential Financial companies located in Newark, NJ, and each is solely responsible for its own financial condition and contractual obligations. • The BenefitAccess Rider is available for an extra premium. Additional underwriting requirements and limits may also apply. Obtaining 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 the receipt of accelerated death benefits are complex and 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 [($100 in FL)] processing fee. You should consult your tax and legal advisors prior to initiating any claim. • A licensed health care practitioner must certify the chronic or terminal illness to qualify for benefits. Chronic illness claims will require recertification by a licensed health care practitioner. Other terms and conditions may apply. 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 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. NOT FOR CONSUMER USE

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