PruLife Index Advantage UL (2020)

Prudential (Pruco Life Insurance Company)

Financial Strength A+
IUL Experience 15 years
Policy Portfolio 4 products

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Founded

1875

Assets

$1.7 trillion AUM; $4 trillion gross life insurance in force worldwide

AM Best

A+

Participating

110%

Financial Strength Ratings

AM Best A+

S&P AA-

Moody's A1

Product Benchmarks

Typical Cap Range

Min: 7.00% | Max: 10.25% | Current average: 8.75%

Participation Rates

Min: 100% | Max: 120% | Current average: 110%

Typical Fees

Coi range: Moderate to High | Admin fee: Standard | Premium load: Standard

About Prudential (Pruco Life Insurance Company)

Fortune Global 500 company

Over 145 years of history

#1 in variable life insurance market

BenefitAccess Rider for chronic/terminal illness

Over 50 million customers worldwide

Net Income: $2.727 billion for 2024 (+9.6% YoY)

Company Profile

Headquarters

Newark, New Jersey

Founded

1875

Years in IUL

15 years

Assets Under Management

$1.7 trillion AUM; $4 trillion gross life insurance in force worldwide

Minimum Premium

$5,000 annual

Issue Ages

0-85 years

Underwriting Speed

2-4 weeks standard

Website

www.prudential.com

Financial Ratings

AM Best A+

S&P AA-

Moody's A1

These ratings indicate excellent financial strength and claims-paying ability.

IUL Policies from Prudential (Pruco Life Insurance Company)

Explore comprehensive Indexed Universal Life insurance solutions

How to Compare: Check the boxes on any 2 policies below, then click "Compare Now" in the green bar that appears.

IUL Policy

Prudential Momentum IUL

Indexed Universal Life solution focused on compounding tax-advantaged cash value.

Cap Rate Standard: 10.25% | Uncapped option: 7.00% index spread rate

Floor Protection 0%%

Minimum Premium $5,000 annual

Issue Ages 0-85

New August 2024 launch
10.25% cap
Fortune Global 500 backing
Index options: S&P 500, Multiple options available

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Personalized Planning

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Custom illustrations tailored to your cash-flow and retirement timeline
Step-by-step implementation with ongoing performance reviews

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Frequently Asked Questions

Prudential (Pruco Life Insurance Company) currently offers 4 IUL solutions that balance growth potential with downside protection. Our specialists will help you match product features to your retirement or legacy goals.

Prudential (Pruco Life Insurance Company) maintains strong independent ratings including AM Best A+, demonstrating resilient balance sheet strength and consistent claims-paying ability.

PruLife Index Advantage UL (2020) | PruLife Founders Plus Indexed UL | Prudential Momentum IUL (New 2024): 10.25% | PruLife Survivorship Index UL | Uncapped 7.00% index spread rate option