No Lapse Premium Age 40 Analysis

About The Product

Overview PruLife ® Founders Plus Indexed UL is a flexible premium universal life policy with an optional indexed feature that helps you meet your life insurance needs through the many features it offers, including:

About PruLife ® Founders Plus Indexed UL

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Flexibility of premium payments A choice of death benefit types Potential for cash value accumulation The opportunity for a No-Lapse Guarantee A guaranteed minimum interest rate.

• A fixed account that earns a non-guaranteed interest rate declared by the Company, and guaranteed to never be less than 1.00%. • Two indexed accounts that give you an opportunity to earn higher interest credit based, in part, on the performance of the Index while offering downside protection: S&P 500 ® Indexed Account Goldman Sachs Voyager Indexed Account Charges are deducted from the premiums paid. The premium remaining after the charges are deducted is the net premium. The net premium is then placed in the Fixed Account portion of the Contract Fund (see Contract Fund in the Glossary of Terms), from which any deductions including monthly charges that are due are taken and interest credits, if any, are earned. Amounts in the Fixed Account are allocated each month between the Fixed Account, the S&P 500 ® Indexed Account and the Goldman Sachs Voyager Indexed Account according to your allocation instructions. The amount transferred may be limited to a specific dollar amount through the Designated Transfer Amount provision. Any value in the Fixed Account over the designated amount will remain there until the next monthly transfer date. If the value of the Fixed Account is less than the designated amount, the full amount will be transferred. The value of maturing S&P 500 ® Indexed Account segments and the Goldman Sachs Voyager Indexed Account segments are not subject to the designated monthly transfer amount. If the policyowner elects to discontinue the Designated Transfer Amount any remaining amount in the Fixed Account may remain in the Fixed Account or be reallocated to the S&P 500 ® Indexed Account or the Goldman Sachs Voyager Indexed Account according to the policyowner’s allocation instructions. All amounts deducted from the Contract Fund including monthly charges are deducted first from the Fixed Account and, then if applicable, from the indexed account segments starting with the most recent index segment first. For multiple index segments created on the same date, amounts will be taken from these index segments in proportion to the value of these segments. The Fixed Account earns a non-guaranteed interest rate declared by the Company, which is guaranteed to never be less than 1.00%. The Goldman Sachs Voyager Indexed Account offers a Daily Interest Advantage which earns daily interest. The Daily Interest Advantage is based on a non-guaranteed interest rate, declared by the Company, of 1.20%, and is guaranteed to never be less than 0.00%. The S&P 500 ® Indexed Account and the Goldman Sachs Voyager Indexed Account offer the opportunity to earn Index Interest. At segment maturity, Index Interest, if any, will be credited on the average daily segment value, based on changes in the designated index, and subject to the applicable Participation Rate, Index Growth Floor and Index Growth Cap (if applicable). As the index account segments mature, the value of those segments is transferred based on your maturing segment allocation instructions. If you do not provide maturing allocation instructions, then the value of each maturing segment in the S&P 500 ® Indexed Account will be placed into a new S&P 500 ® Indexed Account segment and the value of each maturing segment in the Goldman Sachs Voyager Indexed Account will be placed into a new Goldman Sachs Voyager Indexed Account segment.

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