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The Living Needs Benefit is an accelerated death benefit and is not a health, nursing home, or long-term care
insurance benefit and is not designed to eliminate the need for insurance of these types. There is no charge
for this rider but, when a claim is paid under this rider, the death benefit is reduced for early payment, and a
$150 processing fee ($100 in Florida) is deducted. If more than one policy is used for the claim, each policy will
have a processing fee of up to $150 ($100 in Florida) deducted. Portions of the Living Needs Benefit payment
may be taxable, and receiving an accelerated death benefit may affect your eligibility for public assistance
programs. The federal income tax treatment of payments made under this rider depends upon whether the
insured is considered “terminally ill” or “chronically ill” and, if the policy is business related, whether the
insured is receiving the benefits. We suggest the policyowner seek assistance from a personal tax advisor
regarding the implications of receiving Living Needs Benefit payments. This rider is not available in Minnesota
to new purchasers over age 65 until the policy has been in force for one year, and the nursing home option is
not available in Connecticut, Florida, Massachusetts, New York, or the District of Columbia. This rider is
not available in Washington state. In Oregon, term policies must include the waiver of premium benefit to
be eligible for this rider. The form numbers for the Living Needs Benefit are ORD 87241 and ORD 87335;
there may be state variations.
Life insurance is issued by The Prudential Insurance Company of America, Pruco Life Insurance Company
(except in NY and/or NJ) and Pruco Life Insurance Company of New Jersey (in NY and/or NJ). All are
Prudential Financial companies located in Newark, NJ. Insurance policies contain exclusions, limitations,
reductions of benefits, and terms for keeping them in force. Your financial professional can provide you with
costs and complete details.
Guarantees are based on the claims-paying ability of the
issuing company.
Prudential Financial and its financial professionals do
not give legal or tax advice. Please consult your own
advisors.
Prudential, the Prudential logo, and the Rock symbol are service marks of Prudential Financial, Inc. and its
related entities.
© 2016 Prudential Financial, Inc. and its related entities.
THE PRUDENTIAL INSURANCE COMPANY OF AMERICA
YOU MAY NEED LIFE INSURANCE IN RETIREMENT10 REASONS
9. If your policy has a Living Needs Benefit
SM
,
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a portion of the proceeds can be accessed if you become
terminally ill or confined to a nursing home.
Living longer means more time to enjoy your favorite
things, but how will this affect your retirement resources? You may live 20 or 25 years or more in
retirement — if you have health issues, the costs of daily living can really add up. Ask about the Living
Needs Benefit
SM
Rider, which accelerates the death benefit to help pay related expenses if you become
terminally ill or need to live in a nursing home.
10.
A life insurance policy may have other features and benefits that can help provide you and your family
with insurance protection/options in retirement.
Investment and Insurance Products:
Not Insured by FDIC, NCUSIF, or Any Federal Government
Agency. May Lose Value. Not a Deposit of or Guaranteed by Any
Bank, Credit Union, Bank Afliate, or Credit Union Afliate.