Prudential Agent is a highly qualified licensed professional using all experience and skill to help people choose the most suitable policy on the basis of needs and affordability. Both in-house agents and licensed finance professionals serve customers on behalf of Prudential Agent.
Prudential Agent: Types of Insurance Offered
Known for comprehensive insurance solutions, Prudential Agent offers a wide range of coverage in all insurance classes:
Term life insurance: Term Essential is an affordable entry point into life insurance. Prudential Agent offers the policy for 10, 15, 20 or 30 years, according to the choice of the insured. The premiums don't change for the entire policy term. Term Elite is another popular product from Prudential Agent. This policy can be converted into permanent life insurance. If the conversion takes place within the first five years, the insured receives credit towards the permanent policy's first-year premium. PruLife Return of Premium Term ensures protection for the beneficiaries of the insured. At the same time, it guarantees a return of out-of-pocket premiums to the insured at the end of the level premium period.
Universal life insurance: PruLife issued by Pruco Life Insurance Company and sold by Prudential Agent provides two death options and multiple choices of premiums. It offers the flexibility to extend protection up to an individual's lifetime. PruLife Universal Plus grows with the needs of the insured, features choice of premium and provides three death benefit options.
Whole life insurance: Prudential Guaranteed Life features fixed premium payable up to the age of 85 years. The biggest advantage of this policy is that the death benefit remains guaranteed even after premiums end. This policy assumes that all premium payments are made on time and there are no substantial loans.
Annuities: Prudential Agent provides four types of annuities. With variable annuities, an individual plans for retirement with a wide array of investment alternatives. Variable annuities can outweigh inflation. Fixed annuities are suitable for more conservative investors who wish to play safe with a fixed rate of interest and tax deferral. Those preferring to choose the payout period and a lifetime income usually go for immediate income annuities provided by Prudential Agent. Lastly, modified guarantee annuities, also known as market value adjustment annuities, come with long-term fixed-rate options and provide tax-deferred earnings.
Long-term care insurance: Prudential Agent long-term care insurance product LTC3SM gives the choice of coverage and payment options to the insured according to his needs. Protecting one's financial future is even more important than planning it. This policy provides coverage in the form of private rooms in a nursing home or assisted living facility.
Why Choose Prudential Agent?
Prudential Agent is one the largest life insurance companies in the US. Prudential Financial secures a rank of 66 in the Fortune 500 Companies of America List and a rank of 88 in Forbes’ Global 2000 List.
Prudential Agent has the required diversity in products as well as in the workforce. This helps in achieving a competitive advantage and providing service at its best. Thus, buying an insurance policy with Prudential Agent is a prudent decision.