“EVERYTHING YOU ALWAYS WANTED TO KNOW ABOUT LIFE INSURANCE*”

*BUT WERE AFRAID TO ASK

0219847-00001-00 Ed. 03/2012 Exp. 09/13/2013For Financial Professional Use Only.

2

LIFE INSURANCE 101

• Life insurers paid out nearly $59 billion in death benefitsin 2009.

• Most individual life policies are permanent.

• 58 million—or half of all U.S. households—say they need more life insurance.

– Why aren’t they buying?

• Individual life insurance sales are at a 50-year low.– Reason: Less agents serving the middle market.

How Big and Important is Life Insurance?

Source: LIMRA: The Facts of Life and Annuities: September Update (2010)

For Financial Professional Use Only.

Do you see the opportunity??

3

WHAT ARE KEY FINANCIAL OBJECTIVES?

For Financial Professional Use Only.

People buy life insurance

because they love someONE or someTHING!

Protection

Potential cash value

accumulation that can be used

for several causes, one being to help supplement retirement

income

Accumulation

Create a legacy

Wealth Transfer

Death proceeds generally paid

tax-free to named

beneficiary*

* Refer to IRC section 101(a)

4

LIFE INSURANCE 101

For Financial Professional Use Only.

How can life insurance accomplish the client’s objectives?

Protects loved ones (and

loved businesses)

Cashwhen needed

most

Generallytax-free

APROMISE

THAT DELIVERS

5

GET OUT AND MEET THEM FACE TO FACE!

For Financial Professional Use Only.

• Prudential will insure up to 35X earnings (depending on age).

• If there was any face-to-face contact during the process, more than7 in 10 bought.*

• Those who use only the web—only 36% bought.*

• Respondents consider financial advisors, life insurance agents, brokers, and/or parents as the most useful source of informationto help with decisions about the purchase.*

*Source: LIMRA’S 2011 U.S. Buyer-Nonbuyer study.

Did you know?

Consumers who receive a financial needs analysis are more likelyto buy life insurance than those who don’t.

6

LIFE INSURANCE 101

For Financial Professional Use Only.

Do I needlife insurance?

Three Questions to Ask:

What kind oflife insuranceshould I buy?

How muchdo I need?

7

LIFE INSURANCE 101

• Internet sales• Employee coverage• Banks, P&C agents, financial professionals

– Consumers don’t understand the product and/ortheir needs

– “No one asks them”

For Financial Professional Use Only.

Consumer Options Today

8

LIFE INSURANCE 101

• Term vs. permanent– Cost– Duration– Accumulation

For Financial Professional Use Only.

Consumer Policy Options Today

9

TERM INSURANCE

For Financial Professional Use Only.

Pureinsurance

Limitedduration

Flexibility Lowercost

Productenhancements

and riders

10

LIFE INSURANCE 101

• Whole Life• Universal Life (SUL)• Variable Universal Life

For Financial Professional Use Only.

Permanent Insurance

11

LIFE INSURANCE

• Guaranteed premium, cash value, and death benefit• Accessing cash values may not be efficient

For Financial Professional Use Only.

Whole Life

12

LIFE INSURANCE

• Guaranteed– Guaranteed death benefit if premiums paid– Little to no cash value growth

• Cash accumulation– Premium flexibility– Must have cash value to remain in force– Limited guarantees

• SUL (second to die)

For Financial Professional Use Only.

Universal Life

13

LIFE INSURANCE

• Cash Accumulation– Premium flexibility– Must have cash value to remain in force– Limited guarantees– Client controls the underlying investment options

For Financial Professional Use Only.

Variable Universal Life

14

RIDERS

• Waiver of premium• Accidental death• Child riders• Living Benefits• Long-term care

Riders and benefits may be available at an additional cost.

For Financial Professional Use Only.

Riders and Living Benefits

15

HOW TO GET STARTED OR EXPANDYOUR BUSINESS?

• Assess where they are currently—how?

• Is it right for them based on client’s current and future needs?

• Opportunities and benefits—for you and your clients– New policy benefits– Retention of assets

For Financial Professional Use Only.

Policy Reviews

16

EXPLAIN THE PROCESS TO CLIENT –DO YOU KNOW IT?

• Client education• Needs analysis• Application• Case management• Underwriting• Set expectations

For Financial Professional Use Only.

Life Insurance Sales Process

17

LIFE INSURANCE 101

For Financial Professional Use Only.

Why you should include life insurance in your practice

Why you? Why now? Why Pru?

18

LIFE INSURANCE 101

• Protection, accumulation, wealth transfer– YOU are the financial professional for your client.– Get started now.– Help your clients and grow your business.

• If you are not asking your client, someone else is!

For Financial Professional Use Only.

Summary

For Financial Professional Use Only. 19

LIFE INSURANCE 101

Questions?

For Financial Professional Use Only. 20

LIFE INSURANCE 101

All guarantees are based on the claims-paying ability of the issuing company. Guarantees do not apply to the investment performance or safety of the underlying investment options in the insurance policy.

Life insurance is issued by The Prudential Insurance Company of America, Newark, NJ, and its affiliates. Securities products and services are offered through Pruco Securities, LLC (member SIPC). All are Prudential Financial companies. Each is solely responsible for its own financial condition and contractual obligations.

Outstanding loans and withdrawals will reduce policy cash values and the death benefit and may have tax consequences.

Prudential and its affiliates do not provide tax and/or legal advice. Clients should consult with their personal accountant and/or tax advisor for advice concerning their particular situation.

For Financial Professional Use Only. 21

LIFE INSURANCE 101

Investors should consider the investment objectives, risks, and charges and expenses carefully before investing in the contract, and/or underlying portfolios. The prospectus, and, if available, the summary prospectus, contains this information as well as other important information. A copy of the prospectus(es) may be obtained from prudential.com. Your clients should read the prospectus(es) carefully before investing

It is possible to lose money by investing in securities.

Securities and Insurance Products:Not Insured by FDIC or Any Federal Government Agency. May Lose Value.Not a Deposit of or Guaranteed by Any Bank or Bank Affiliate.