Prudential Financial

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Underwriting and Retention

Individuals who may qualify for Preferred underwriting:

	Most commercial pilots for US based airlines¹
	Clients who plan to travel to most foreign countries for 3 months or less annually (business or pleasure)^{1, 2}
	Scuba divers who dive up to 100 feet
	Individuals with cholesterol levels up to and including 249, even if on Cholesterol lowering medications³
	Male/Female 6’0”, ages 18-64, up to 213 pounds¹
	Male/Female 6’0”, ages 65 and over, up to 228 pounds¹

Some categories of individuals who may qualify for our advantageous Non-Smoker Plus ratings:

	Cigar/pipe smokers and smokeless tobacco users
	Nicotine patch or Nicorette Gum users
	Individuals with cholesterol levels up to and including 274
	Male/Female 6’0”, ages 18-64, up to 243 pounds
	Male/Female 6’0”, ages 65 and over, up to 294 pounds
	Civilian student and private pilots up to 200 hours per year

We look for the best possible impaired risk treatment for clients with the following impairments:

	Breast Cancer
	Bladder Cancer
	Coronary Artery Disease
	Diabetes Mellitus (Adult onset)
	Asthma
	Mood Disorders
	Prostate Cancer cases
	Hepatitis C
	Build
	Elevated liver function tests

Retention and capacity limits among the highest you’ll find anywhere:

Retention Limits⁴:

	Up to $30 million on single-life UL/VUL policies⁵
	Up to $35 million on second-to-die policies

Capacity Limit:

	Up to $65 million on single-life and second-to-die policies
	For cases that exceed our $65 million capacity, we have facultative relationships

¹These scenarios could qualify for Preferred Best as well.

²All products and face amounts may not be available.

³ Individuals with cholesterol levels up to and including 219, even if on cholesterol lowering medications, may qualify for Preferred Best.

⁴ Amounts available are subject to underwriting, and may be reduced based on other in-force or applied-for policies. These limits are graded down for smokers, rated cases and issue ages over age 65. Limits are also graded down for celebrities, sports figures, private pilots, non-U.S. residents and juveniles.

⁵ The retention limit on Term Essential cases where the policy does not qualify for automatic reinsurance is $10 million.

This marketing material is subject to an expiration date and use of this material must be discontinued as of the expiration date.

Insurance issued by The Prudential Insurance Company of America and its affiliates. Securities products offered through Pruco Securities, LLC.

Prudential, Prudential Financial, the Rock logo, and the Rock Prudential Logo are registered service marks of The Prudential Insurance Company of America and its affiliates.

FOR INTERNAL USE ONLY. NOT FOR USE WITH THE PUBLIC

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