Prudential, also known as Prudential, company evaluation and product introduction

althoughPrudential (also translated as Prudential)It no longer pays dividends to its policyholders, but it provides shareholders with a positive dividend structure. Since 2002, although dividends have been volatile, dividends have been continuous.

Prudential (also translated as Prudential)Financial status and rating

Today, Prudential has more than 47,000 male employees, manages more than $10,000 trillion in assets, and conducts business in 41 different countries around the world.

As a financially strong company, Prudential (also known as Prudential) has almost a household name in the United States, Hong Kong and Taiwan.Thanks to the "A" or higher ratings of all four major financial rating agencies (including AM Best, Fitch, Moody's, and Standard & Poor's), it ranks among the global elite group of insurance companies.This rating marks the long-term sustainability of Prudential, and its current financial compensation capability is also very stable.

In 2013,Prudential (also translated as Prudential)Considered one of the pre-eminent life insurance companies, with more than $130 billion in premiums, it was the best in the industry that year.Based on strict asset identification,Prudential (also translated as Prudential)Ranked second in the United States.

Prudential (also translated as Prudential)It has also won many domestic and international awards and various honors, including the honor of being ranked 3rd in the "World's Most Admired Company" in the industry.Other reasons for winning include company diversification, employment of full-time mothers, and so on.

Prudential (also translated as Prudential)Life Product Introduction

Prudential (also translated as Prudential)Provides a rich line of life insurance products, including:

1. Term life insurance
2. Universal Life Insurance
3. Index Universal Insurance
4. Investment universal insurance

Term life insurance

Prudential (also translated as Prudential)The six term life insurance products offered are:

• MyTerm^®
• Term Essential^®
• Term Elite^®
• PruTerm Worklife 65^SM
• PruLife^® Return of Premium Term
• PruTerm^SM One

If inPrudential (also translated as Prudential)If you choose a term life insurance product, you will not be disappointed.The abundant term life insurance product line ensures that almost every customer's needs can be met.

E.g, MyTerm^® This term life insurance product allows customers toNo medical examination requiredYou can get death insurance benefits ranging from US$5 to US$25.There are no doctor appointments, blood draws, waiting to report these cumbersome things, this is undoubtedly an ideal choice for those who are in good health and want to buy insurance policies quickly.

If you are looking for a relatively affordable term life insurance with an insurance period of 10 to 30 years, thenTerm Essential®This product may be for you.This is one of the most cost-effective product choices. It is a term life insurance product that covers a very comprehensive range of services. After a physical examination, this product can meet any term life insurance needs.

If you plan to convert your term life insurance policy to one of the whole life insurance products listed below, thenTerm Ilite®May be your best choice.Although it is very similar to TermEssential®, it has the right to switch policies, which means that part of the premiums you paid in the previous years can be used as premiums for whole life insurance policies.

Prudential (also translated as Prudential)SubordinatePruTerm Worklife 65^SMIt is a niche product, and you can hardly find similar products anywhere else in the market.This product is tailor-made for those who just want to prevent losing income at work. It is designed to match your career and can be guaranteed to 65 years old.With this premium exemption clause and one-year unemployment insurance and other additional benefits, this product is better than other insurance companies in this field.

And for this type of consumer demand: if their life span exceeds the coverage period of their insurance policy, they need to get back the cost of the previous insurance, thenPruLife^® Return of Premium TermThis product can do just that.

The last product:PruTerm^SM One,It is a life insurance product that can be renewed every year.This product is very suitable for customers who meet the following 3 needs:

1. Need to be guaranteed for a short period of time
2. The premium cost should be low
3. Extend the policy validity year by year as needed

If you need a life insurance product of 4 years or less, this is the most cost-effective option.

Universal insurance

Prudential (also translated as Prudential)There are different universal insurance options. The three product options are:

• PruLife^® Universal Protector
• PruLife^® SUL Protector
• PruLife^® Universal Plus

Universal life insurance contracts are used to exchange lower and flexible premium strategies for lifetime protection, so it has always been the choice of many consumers.

PruLife^® Universal Protector This is the most basic product that guarantees life-long death compensation. The longer the protection period you choose, the more expensive the premium. Any withdrawal or withdrawal of cash value in the form of a loan without repayment will affect the welfare protection.

Similar to the above products,PruLife^® SUL Protector The functions are roughly the same, but the protection object is two people.This is mainly used for family property transfers, such as estate planning or donations. The important point is that death compensation will not be paid until both the insured persons pass away.

If increasing cash value is your main goal, then PruLife^® Universal Plus It is such a product without excessive risk.

Index Universal Insurance

Prudential (also translated as Prudential)Life provides a complete set of exponential universal insurance products. They are:

• PruLife^® Founder's Plus UL
• PruLife^® Index Advantage UL
• PruLife^® Survivorship Index UL

The main purpose of index universal insurance is to delay tax payment and increase cash value.Part of the premium you pay is used for index appreciation investment channels, and at the same time, it also provides a guaranteed minimum return line.

And PruLife^® Founder's Plus UL This product allows customers to choose a fixed income or track an index, such as S&P 500. PruLife^® Index Advantage UL The above products are not much different, but you can choose a wider range.

At last,  PruLife^® Survivorship Index UL This product is a product structure provided for two insured persons at the same time, and the goal is to complete the appropriate property transfer in a relatively low cost way.

Exponential universal insurance is not suitable for everyone. Please understand the advantages and disadvantages in advance before applying, and make judgments by contacting a practicing broker.

Investment universal insurance

To purchase investment universal insurance, please be aware that brokers with a life insurance license may not be able to sell such products. They can only be sold by registered and licensed practicing representative offices.This is very important, because Prudential's investment universal insurance is directly linked to the stock market, which is more risky than other life products.

Prudential (also translated as Prudential)Provide two products:

• VUL Protector^®
• PruLife^® Custom Premier II

If you mainly seek guaranteed death compensation and don’t mind taking a little risk, thenVUL Protector^®This product may be more suitable.It guarantees a minimum death benefit and the guarantee that the policy will never lapse, as well as the possibility of cash value investment growth.If you are more concerned about cash growth during the validity period of the policy, then PruLife^® Custom Premier II In exchange for greater investment risks, possible greater returns.Please be sure to contact a registered sales representative for further inquiries and predictions to test whether such products are needed by you and your family.

Other product lines

In addition to a full range of life insurance products, it also has comprehensive investment and retirement planning resources.These include PruChoice mutual funds, and Prudential Investment’s Strategic Investment Research Group (SIRG) owned funds.

Prudential (also translated as Prudential)It also provides annuities and retirement account services for its consumers and customers, and also provides group benefits for large and small enterprises.These welfare plans include AD&D, major illness, injury and disability protection.

On July 2021, 7, Prudential will sell its own retirement business, which includes Prudential's defined contribution, defined benefit, NQ and IRA businesses, as well as segregated account investment products and platforms.The transaction will officially close in April 21.

InsuGuru©️Comprehensive Evaluation

Prudential (also translated as Prudential)Selected as the most respected life insurance company by Fortune Magazine in 2016.A long history, excellent financial strength and a full range of insurance and investment products,Prudential (also translated as Prudential)It has become an iconic insurance institution in the United States and the world.

After the impact of the new crown epidemic, Prudential Insurance has experienced a major business event. You can click the link below to view related reports and latest news.

In general, when the product meets your target needs, choosePrudential (also translated as Prudential)Insurance is a good option.

>>>Click to view Prudential Insurance related reports and latest news

*Note: Although the company names are the same, the Prudential Life Insurance in Taiwan or Hong Kong is a British Prudential Company (Prudential plc) Subsidiaries of indirect holdings.Prudential Life or Prudential of the U.K. and Prudential of the U.S. (Prudential Financial, Inc) has no connection, the latter’s operating entity is in the United States.