Prudential life insurance
EssentialTerm Plus terms from an explicitly dated Prudential consumer brochure.
Checked facts and conditions
Product and issuer
The September 2024 brochure identifies EssentialTerm Plus as term life issued by Pruco Life Insurance Company, subject to state availability. It lists 10-, 15-, 20- and 30-year terms with premiums level for the selected term.
Source: EssentialTerm Plus consumer brochure, edition 09/2024 (PDF) ↓Conversion and renewal
The brochure describes conversion to a permanent product during the term or until age 70, whichever comes first. Continuing term coverage after the initial period can reduce the death benefit and increase premiums. Confirm the current contract rules.
Source: EssentialTerm Plus consumer brochure, edition 09/2024 (PDF) ↓Medical underwriting
PruFast Track may bypass exams and labs for eligible applicants. The brochure lists ages 18–60 and $100,000–$3 million for that pathway; these are not overall policy limits or guaranteed approval.
Source: EssentialTerm Plus consumer brochure, edition 09/2024 (PDF) ↓Questions for your actual offer
- Is EssentialTerm Plus currently available in my state, and which brochure edition applies?
- What are the current conversion rights and renewal benefits?
- Do I qualify for accelerated underwriting or need an exam?
- Which insurer, riders and fees appear in the actual offer?
This profile does not assign a score or establish a personal premium, approval, claim outcome or complete list of policy exclusions. Review the specific contract and state disclosures.
Provider sources
- EssentialTerm Plus consumer brochure, edition 09/2024 (PDF) ↗
Checked 2026-09-14 · Document date: 2024-09