Mrs. Kasmikha Family Financial Security

Hold the Bells and Whistles

Preparing for the Possibilities in Life

Protect Your Family First and foremost, PruLife ® Founders Plus UL (Founders Plus) offers permanent death benefit protection that can help replace income to your family if you die while the policy is in effect. This policy features a conditional guarantee that the policy is protected against policy lapse. This means you have guaranteed coverage as long as sufficient premiums are paid. The amount, timing and number of premium payments will impact the length of the guarantee, in addition to any loans and withdrawals taken. Potential to Build Policy Cash Value on a Tax-Deferred Basis Depending on your needs, your timeframe, and your risk tolerance, Founders Plus offers three options that may have the potential to build policy cash value over time on a tax-deferred basis. You’ll have access to your policy cash value through withdrawals and income tax-free loans. Withdrawals and unpaid loans reduce policy cash value and the death benefit. They may lapse the policy, which may have tax consequences. Fixed Account Option – guaranteed cash value growth The Fixed Account offers guaranteed growth through its fixed interest rate. The rate of interest is declared by the company and subject to change. • The current declared rate is 3.95%. • The guaranteed minimum rate is 2.50%. S&P 500 ® Indexed Account Option Since the Indexed Interest is linked to the performance of the S&P 500 ® Index, excluding dividends, the S&P 500 ® Indexed Account offers the potential for greater cash value growth than the Fixed Account option. However, this opportunity comes with increased risk due to market uncertainty. • The Indexed Interest is subject to a maximum crediting rate of 7.50%, which could be less than the total return of the S&P 500 ® Index. It will never be lower than 0%. Goldman Sachs Voyager Indexed Account Option Indexed Interest credited to the Goldman Sachs Voyager Indexed Account is linked to the performance of the Goldman Sachs Voyager Index, excluding dividends. The Goldman Sachs Index has a diversified exposure to global assets and strives to maintain a stable level of risk over time, which may result in more consistent index gains during periods of market volatility. • The Indexed Interest is not subject to a cap and will never be lower than 0%. • This account includes an additional interest rate component, the Daily Interest Advantage, which credits fixed interest rate that is not linked to any underlying index.

Keep in mind that the above mentioned indexed accounts have no direct investment in the S&P 500 ® Index or the Goldman Sachs Voyager Index.

Why Do You Need Life Insurance? Life insurance, such as Founders Plus, in place can help you prepare for the unexpected events in life. It can help protect your family from financial hardship or help create your legacy for your children, your grandchildren or a favorite charity.

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