Your Family’s Future How can Life insurance help me? [Life Insurance Sales Presentation required in CA, FL, IL, OK & TX ] PRESENTED BY: Joe Sample, [Designations per field stationery guidelines] [Company Approved Title][or][DBA Title][or][Brokerage Title] [Agency Name] [or] [DBA Name] [The Prudential Insurance Company of America][if Agency Distribution] [1234 Main Street, Suite 1, Floor 10] [Anywhere], [ST] [12345] [in required states] [ Insurance License Number ] Phone [ ] Fax [ ] ©2015 Prudential Financial, Inc. and its related entities Ed. 10/2015 Exp. 10/26/2016

What exactly is Life Insurance? Life Insurance is a financial product that can: » Provide financial choice » Serve as a financial cornerstone » Offer valuable benefits when you’re alive » Supplement retirement income » Transfer wealth to your family or charities » Help your loved ones pay for final expenses 2

The Good that Life Insurance Does How much Prudential paid in death benefits in $64 BILLION How much life insurers paid in death benefits in MILLION (half of all U.S. households) - say they need more life insurance. $4 BILLION Source: Prudential: The Versatility of Life Flyer: May 2015 Source: LIMRA: The Facts of Life and Annuities: September 2014

Why Life Insurance? 4 Protecting those you love Accumulating Wealth Transferring Wealth

Why Life Insurance? » Financial support for your family » Help your family achieve its goals » Funds to help pay final expenses 5 Protecting those you love

Why Life Insurance? Potential cash value accumulation for things like: » Supplementing retirement income » Providing flexibility with access to cash value if needed » Limiting or Paying future out-of- pocket premiums 6 Accumulating Wealth * Life Insurance policy cash values are accessed through withdrawals and/or policy loans. Outstanding loans and withdrawals will reduce policy cash values and the death benefit and may have tax consequences.

Why Life Insurance? » Create a legacy » Leave a charitable legacy » Death proceeds generally paid income-tax free 1 » Leverage current assets that you don’t need 7 Transferring Wealth 1 According to IRC §101(a). There are some exceptions to this general rule, including certain changes in ownership and payment of any additional interest at death.

Types of Life Insurance 8 Term Life InsurancePermanent Life Insurance Lower PremiumsHigher Premiums Specified Duration Coverage To Or Beyond Life Expectancy No Cash Value AccumulationCash Value Accumulation Potential Optional Riders

Traditional Product Types – Compared with each other » Guaranteed premium, cash value, and death benefit » Accessing cash values may not be efficient » Higher cost 9 Whole Life Term Insurance » Lower cost and limited duration » Option to convert to permanent » Different types of term now available All guarantees are based on the claims paying ability of the issuing company.

Newer Product Types Universal Life 10 Guaranteed » Low risk of lapse if premiums are paid » Guaranteed death benefit » Little to no cash value growth » “Set it and forget it” Survivorship (Second-to-Die) » Insures two lives in one policy » Death benefit paid upon the death of the 2nd person » Popular in estate planning Cash Value Accumulator » Premium flexibility with limited guarantees » Must have cash value to remain in force

Newer Product Types Variable Universal Life » Premium flexibility with limited guarantees » Generally must have cash value to remain in force » Client controls the underlying investment options » Sensitive to economic factors » Popular to supplement retirement planning » Provides access to the cash value through policy loans and withdrawals 11 All guarantees are based on the claims paying ability of the issuing insurance company and do not apply to the underlying investment options.

Optional Riders Riders and Living Benefits » Waiver of premium » Accidental death benefit » Child riders » Living Benefits » Chronic or terminal Illness Riders and benefits may be available at an additional cost, additional underwriting, and may not be available in all states. 12

How Much Coverage do I Need? 13 Needs Analysis Annual coverage review Schedule an appointment with your [Financial Professional/ Financial Advisor]

Determine What is Right for You 14 Meeting Application

Underwriting Process 15 Medical Financial Offer

Why Prudential? » 140 years of experience » A balanced product portfolio » Riders and benefits available » Competitive underwriting » Keeping promises since » Solid financial ratings (We are the rock) 16 The availability of coverage and rates will vary based on company underwriting criteria including, but not limited to, age, sec, health history, smoking status and residency. Underwriting rules are subject to change at our discretion.

Why Prudential? The Prudential Insurance Company of America— Financial Strength Ratings as of August 5, A.M Best CompanyFitch Ratings Standard & Poor’s Moody’s A+ AA-A1 Ratings ranges: A++ (Superior) is the highest of 16 ratings that A.M. Best extends, the lowest being S (Suspended), and is a measure of claims-paying ability; a rating of A+ is the second highest of 16 rating categories. AAA (Exceptionally Strong) is the highest of 19 ratings that Fitch Ratings extends, the lowest being C (Distressed), and is a measure of insurer financial strength; a rating of A+ is the fifth highest of 19 rating categories. AAA (Extremely Strong) is the highest of 23 ratings that Standard & Poor’s extends, the lowest being R (has experienced regulatory action), and is a measure of claims-paying ability; a rating of AA- is the fourth highest of 23 rating categories. Aaa (offers exceptional financial security) is the highest of 21 ratings that Moody’s extends, the lowest being C (having extremely poor prospects of ever offering financial security), and is a measure of financial security; a rating of A1 is the fifth highest of 21 rating categories.

Summary » What life insurance is. » Why life insurance can be useful. » What types of insurance policies are available. » How to determine the proper coverage. » How to get started. » Why Prudential. 18

Important Information 19 Life insurance is issued by The Prudential Insurance Company of America, Pruco Life Insurance Company (except in NY and/or NJ), and Pruco Life Insurance Company of New Jersey (in NY and/or NJ) Variable Universal Life is offered through Pruco Securities LLC (member SIPC). All are Prudential Financial companies located in Newark, NJ. Prudential, the Prudential logo and the Rock symbol are service marks of Prudential Financial, Inc. and its related entities. Securities and Insurance Products: Not Insured by FDIC, NCUSIF, or Any Federal Government Agency. May Lose Value. Not a Deposit of or Guaranteed by Any Bank, Credit Union, Bank Affiliate, or Credit Union Affiliate. Our policies contain exclusions, limitations, reductions in benefits and terms for keeping them in force. A financial professional can provide you with costs and complete details. You should consider the investment objectives, risks, and charges and expenses carefully before investing in the contract and/or underlying portfolios. This and other important information can be found in the prospectus and, if available, the summary prospectus. A copy of the prospectus may be obtained from You should read the prospectus carefully before investing. It is possible to lose money by investing in securities. ©2015 Prudential Financial, Inc. and its related entities Ed. 10/2015 Exp. 10/26/2016