life is not foke

This is Laurie and John, and they have an 8-year-old daughter at home. Laurie won’t tell us exactly how old she is, but let’s assume she and Jon are 42.

Their topics of conversation
Like many their age, they had children a little later in life and are looking at both ends of the boomer squeeze: a young child at home and aging parents nearby. They want to fund an education, a retirement and still do their favorite pastime, travel.

Their solution
Laurie and Jon are well suited for an Aviva indexed universal life insurance policy. It’s one of the most flexible financial tools they can own, providing dollars when they are needed most. An indexed universal life policy also has the potential for building substantial cash value by eliminating the downside risk of investing directly in the markets.

Results
An annual premium of $4,000 until he’s 65 gets Laurie and Jon an initial death benefit of $253,026, access to funds as cash or as collateral for a loan, and it also gives them an income stream of $23,228 they can use from the age of 66 to 100.

At age 66, the policy projects a maximum annual variable loan of $23,228, which Laurie and Jon could take each year to supplement his retirement income to age 100. If they live to age 100, this creates a potential cash flow of $812,971 from $92,000 in premiums paid—a very healthy return.

At age 100, the policy has more than $730,000 of projected cash value and death benefit.

Benefits of indexed universal life
• Credited interest linked to S&P 500 Index
• Upside potential, downside protection
• Use policy as collateral with outside lending
• Use cash value for education, emergencies and retirement

life nots retun

An important part of a sound financial plan, life insurance from The Prudential Insurance Company of America and its affiliates provides a valuable death benefit to your beneficiaries upon your death. Your beneficiaries can then use this money to replace some of the income you would have earned or to help pay off debts or other expenses.

The two types of life insurance are term and permanent. The one that's right for you depends on many factors, including your budget, the amount of coverage you need, and the length of time you'd like the coverage to last.

Term Life Insurance Please read the important disclosures at the bottom of the page. These products, and all of their features, benefits and riders, may not be available for sale in your state. Contact a licensed Financial Professional for more information about these and other products. Term policies issued by Pruco Life Insurance Company can help meet a wide variety of business and personal needs and often provide the most coverage for your premium dollar for set periods of time. Whether you want to supplement your existing coverage or simply purchase insurance to meet a specific need, our term policies have the flexibility to help meet your needs

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