Term Essential
Term Options: 10, 15, 20, and 30 Years
Issue Ages: (Age Last Birthday)
- 10 Year: 18-75
- 15 Year: 18-70
- 20 Year: 18-65 (18-60 Tobacco Classes)
- 30 Year: 18-55 (18-45 Tobacco Classes)
Minimum Face Amount:
- $100,000 (in states where EssentialTerm is not available)
- $250,000 (in states where EssentialTerm is available)
Conversion Option Available
Riders Available: Accidental Death Benefit, Children’s Protection Rider, Living Needs Benefit, Waiver of Premium
Special Features: Non Tobacco rates for Non Cigarette nicotine users
Sales Tools
| Audience | Document | Updated | Link |
|---|---|---|---|
| Producer Use Only | Forms | 11/27/2024 | Click Here |
| Producer Use Only | eCapabilities Microsite | 10/17/2024 | Click Here |
| Producer Use Only | Multi-Carrier Underwriting Guide | 12/18/2024 | Click Here |
| Producer Use Only | The Prudential Advantage | 10/17/2024 | Click Here |
Product Resources
| Audience | Document | Updated | Form Number | Link |
|---|---|---|---|---|
| Producer Use Only | Living Needs Benefit Rider Producer Highlighter | 11/27/2024 | 1004053-00003-00 | Click Here |
| Producer Use Only | Products Portfolio | 10/28/2024 | 1005473-00017-00 | Click Here |
| Producer Use Only | Product Highlights | 11/27/2024 | 1002421-00007-00 | Click Here |
| Producer Use Only | Waiver of Premium Rider Highlights | 11/27/2024 | 1012651-00006-00 | Click Here |
| Producer Use Only | Term Essential Specimen Policy | 11/27/2024 | ICC19 PLTIC-2019 | Click Here |
| Producer Use Only | State Approvals | 10/28/2024 | NR-23201639 | Click Here |
| Producer Use Only | Term Conversion Highlights | 10/29/2024 | 1000695-00008-00 | Click Here |
| Producer Use Only | Accidental Death Benefit Rider Highlights | 11/27/2024 | 1006622-00005-00 | Click Here |
| Producer Use Only | Life Insurance Needs in the Women’s Market Flyer | 10/29/2024 | 1050258-00002-00 | Click Here |
| Producer Use Only | Living Needs Benefit Rider Highlights | 10/29/2024 | 1004053-00003-00 | Click Here |
| Consumer Use | Term Essential Consumer Brochure | 11/27/2024 | 1013163-00010-00 | Click Here |
| Consumer Use | “Prepare for Your Interview and Medical Exam” Consumer Brochure | 10/29/2024 | 1041976-00005-00 | Click Here |
Dedicated Team
2024 fmiAgent Point Awards
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