PruLife® Return of Premium Term 15-Year is a non-participating individual term life insurance policy issued by Pruco Life Insurance Company, Newark, NJ  07102. Minimum issue amount is $100,000. The policy provides a guaranteed death benefit until age 95 and a guaranteed cash value during the level premium period. The ‘money back’ feature provides that if the insured is alive at the end of the level premium period, all premiums paid are returned to the policyowner, less any outstanding loan balance. Prior to the end of the level premium period, the policy can be surrendered for its cash value less any loan balance. All premiums may not be returned if the policy is surrendered before the end of the level premium paying period. Forms and plan provisions may vary by state.  Suicide and other limits may apply.  Plan not available in all states.  All rates subject to underwriting qualifications. Rates effective as of 10/7/2013.

PruLife Return of Premium Term is issued by Pruco Life Insurance Company in all states except New York and New Jersey, where it is issued by Pruco Life Insurance Company of New Jersey.  Each is solely responsible for its own financial condition and contractual obligations.  The policy’s contract numbers are PLTIR-2013 or ICC13PLTIR-2013 followed by a state code.  The Return of Premium rider numbers are TB167(15)-2013, TB167(20)-2013, and TB167(30)-2013.

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