Her parents know the strength of The Rock. Many years from now, she ll know it too.

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2 Her parents know the strength of The Rock. Many years from now, she ll know it too. At Prudential, our promise to be there is as strong as ever. Through a combination of fundamental business strength, business diversity, and superior risk management, we are uniquely positioned to remain strong through current economic conditions and to help you and your customers do the same. So, when you work with Prudential Financial, you do more than offer customers a brand with 99% recognition among affluent Americans.* You also deliver the time-tested strength of the company known simply as The Rock. Security. Brand. Strength. We are The Rock. We are Prudential. To learn more, contact the Brokerage General Agency near you, call or visit *Prudential Financial s Brand Image Study Insurance is issued by The Prudential Insurance Company of America, Newark, NJ , and its affiliates. Each is solely responsible for its own financial condition and contractual obligations. Prudential, Prudential Financial, the Rock logo, and the Rock Prudential logo are registered service marks of The Prudential Insurance Company of America, and its affiliates. FOR THE EDUCATION OF PRODUCERS/BROKERS ONLY. NOT FOR USE WITH THE PUBLIC

3 We Are Security Every policy issued by The Prudential Insurance Company of America begins with these words: We will promptly pay Prudential stands by, and has the insurance claims paying ratings security to pay each and every policy. Now and always, that s a truly comforting thing for you and your clients. PRUDENTIAL RATINGS INSURANCE CLAIMS PAYING RATINGS AS OF AUGUST 5, 2009* A.M. Best Standard & Poor s Moody s Fitch Ratings The Prudential Insurance Company of America A+ AA- A2 A+ PRUCO Life Insurance Company A+ AA- A2 A+ PRUCO Life Insurance Company of New Jersey A+ AA- NR A+ Prudential Annuities Life Assurance Corporation A+ AA- NR A+ Prudential Retirement Insurance and Annuity Company A+ AA- A2 A+ The Prudential Life Insurance Co., Ltd. (Prudential of Japan) NR AA- NR NR Gibraltar Life Insurance Company, Ltd. NR AA- A2 NR NR indicates Not Rated. Ratings are subject to change. *Information accessed on August 5, To access complete ratings information please go to Life insurance in the United States is issued bythe Prudential Insurance Company of America and its affiliates, all Prudential Financial companies located in Newark, NJ. This material is designed to provide general information in regard to the subject matter covered. It should be used with the understanding that we are not rendering legal, accounting, or tax advice. Such services should be provided by the client s own Securities and Insurance Products: advisor. Accordingly, any information in this document cannot be used by any taxpayer for purposes of avoiding penalties Not Insured by FDIC or any Federal Government Agency under the Internal Revenue Code. May Lose Value This marketing material is subject to an expiration date, and use of this material must be discontinued as of the expiration date. Not a Deposit of or Guaranteed by any Bank or Bank Affiliate Ed. 08/09 Exp. 02/10 FOR INTERNAL USE ONLY. NOT FOR USE WITH THE PUBLIC.

4 We Are Brand The Prudential Financial brand enjoys a near universal level of brand awareness among Americans.* 98% of the general public is aware of Prudential Financial. 99% of those Americans classified as affluent are aware of the Prudential Financial brand. 7 in 10 consumers are likely to consider us for one or more financial products and services. The diversity of Prudential Financial's brand recognition is confirmed by the consistent familiarity and favorability scores achieved across key consumer segments such as gender, age, location, and income. Prudential Financial companies offer your clients competitively priced life insurance products from a name they know and trust. *2008 Brand Awareness study conducted by Prudential Global Market Research, Prudential Financial. Life insurance is issued bythe Prudential Insurance Company of America and its affiliates, all Prudential Financial companies located in Newark, NJ. This material is designed to provide general information in regard to the subject matter covered. It should be used with the understanding that we are not rendering legal, accounting, or tax advice. Such services should be provided by the client s own Securities and Insurance Products: advisor. Accordingly, any information in this document cannot be used by any taxpayer for purposes of avoiding penalties Not Insured by FDIC or any Federal Government Agency under the Internal Revenue Code. May Lose Value Not a Deposit of or Guaranteed by any Bank or Bank Affiliate This marketing material is subject to an expiration date, and use of this material must be discontinued as of the expiration date Ed. 08/09 Exp. 02/10 FOR INTERNAL USE ONLY. NOT FOR USE WITH THE PUBLIC.

5 We Are Strength Prudential has withstood the test of time. While a lot has changed within the last year, our underlying strength has not: Prudential has adequate capital consistent with AA financial strength ratings objectives for our insurance companies as of June 30, 2009.* The quality of our underlying business fundamentals continue to be strong. A number of our businesses have only limited exposure to equity market fluctuations. No matter how the markets change, you can remain confident that Prudential will be here to serve you and your clients. Our balance sheet remains strong, our sources of earnings and liquidity are diverse. We will provide you with a competitive life insurance portfolio and your clients with the security they deserve. * Visit for the most current and complete ratings for all of Prudential s insurance companies. Ratings are subject to change. Life insurance is issued bythe Prudential Insurance Company of America and its affiliates, all Prudential Financial companies located in Newark, NJ. Guarantees are backed by the claims-paying ability of the issuing company. This material is designed to provide general information in regard to the subject matter covered. It should be used with the Securities and Insurance Products: understanding that we are not rendering legal, accounting, or tax advice. Such services should be provided by the client s own Not Insured by FDIC or any Federal Government Agency advisor. Accordingly, any information in this document cannot be used by any taxpayer for purposes of avoiding penalties May Lose Value under the Internal Revenue Code. Not a Deposit of or Guaranteed by any Bank or Bank Affiliate This marketing material is subject to an expiration date, and use of this material must be discontinued as of the expiration date Ed. 08/09 Exp. 02/10 FOR INTERNAL USE ONLY. NOT FOR USE WITH THE PUBLIC.

6 GOOD NEWS FOR YOUR JUMBO CASES! Now your clients can gain access to higher jumbo limits through our new process. Here s our current process. Prudential s retention limit is $30 million for fully underwritten single life applications and up to $35 million for second to die applications. Our jumbo limit for both individual and second to die policies is $65 million Cases beyond the above jumbo limit are generally facultatively reinsured, which can result in delays and possibly requests for additional information from you and your clients. How does the new process work? If the client has in force policies with another company that are going to be replaced by a Prudential policy and is not part of a 1035 Exchange, an Absolute Assignment Form (ORD ED 4/09) may be completed for each policy that is to be replaced. For 1035 exchanges it is important you use the 1035 Exchange Absolute Assignment Form ORD Ed which can be obtained from The client will assign the policy to Prudential. This will ensure that the in force policy is cancelled when the new Prudential policy has been issued and accepted. By assigning these policies to Prudential, we can exclude the policies that are being replaced when calculating the jumbo limit amount. All Prudential policies, including the current guidelines and procedures for replacements must be followed. Here s an example: John Smith has a $40 million term policy in place with another carrier. Mr. Smith wants to replace that policy with a new $40 million term policy with Prudential. In the past, Prudential would need to account for both policies ($80 million), and the total amount would exceed our jumbo limit. The case would need to be packaged and sent to multiple reinsurers for review prior to being able to make an offer to your client. With the new process, Mr. Smith would complete the Absolute Assignment Form for the policy that is being replaced and assign that policy to Prudential. Prudential then is able to exclude that policy from their jumbo limit calculation. This means that Prudential can autobind the new Pru $40 million policy and no facultative reinsurance is needed! This example was chosen for demonstration purposes only and assumes no other impairments or medical conditions exist that would affect the candidate's underwriting category. It is not indicative of all possible results. Underwriting rules are subject to change at the company's discretion. This material is designed to provide general information in regard to the subject matter covered. It should be used with the understanding that we are not rendering legal, accounting or tax advice. Such services should be provided by the client s own advisor. Accordingly, any information in this document cannot be used by any taxpayer for purposes of avoiding penalties under the Internal Revenue Code. Securities and Insurance Products: Not Insured by FDIC or any Federal Government Agency May Lose Value Not a Deposit of or Guaranteed by any Bank or Bank Affiliate This marketing material is subject to an expiration date, and use of this material must be discontinued as of the expiration date. FOR INTERNAL USE ONLY. NOT FOR USE WITH THE PUBLIC The Prudential Insurance Company of America 751 Broad Street, Newark, NJ Ed. 07/09 Exp. 01/11

7 Expanded Jumbo Limits - Frequently Asked Questions How is the jumbo limit calculated when I use this process? o The face amount(s) of the policies that are being assigned to Prudential are not included in the jumbo limit calculation. Any existing policies that are remaining in force WILL be included. Where can I find the Absolute Assignment Form? o Contact your Prudential Underwriter to obtain a copy of the form. The client is replacing two policies; do I need a separate form for each one? o Yes, a separate form must be used for each policy being assigned. Remember, this form is in addition to any required, replacement forms. Can I fax a copy of the Absolute Assignment form to Prudential? o No, unfortunately most carriers require an original copy of the assignment form in order to process the assignment transaction. Can I submit a prepayment with the Prudential application? o No, the case(s) must be submitted without prepayment. When does the Absolute Assignment take effect? o It is effective as of the date that Prudential accepts the assignment. Who is responsible for paying the premiums on the existing policy after it has been assigned? o The client is responsible for paying premiums until the new policy has been issued and accepted and the existing policy has been canceled. Does the owner of the existing policy have to be the same as the owner on the new policy? o No If the client decides they don t want the Prudential policy issued, what happens to the existing policy? o Prudential will cancel the Absolute Assignment of that policy and return the Absolute Assignment Form(s) to the policy owner. What happens if the client dies after the Absolute Assignment Form is signed, but before the Prudential policy is issued? o Proceeds from the existing policy would be paid to the beneficiary and the assignment of the existing policy will be void. The client is not entitled to coverage under both the existing policy and the new policy. Contact Your Prudential Wholesaler for More Information.

8 PRU S GUIDE TO PLACING A LARGE CASE Your Underwriting Guide for Dealing with Large Case Clients Life insurance is designed to offer your clients key protection for their families, business, and protection needs. When you have clients shopping for policies with large face amounts, capacity has to be added to the traditional underwriting criteria of age, health, and financial situation. In today s market, capacity is derived from two sources: reinsurance carriers, and direct company retention. Obtaining adequate capacity to fill a jumbo line, while remaining compliant with the rules governing reinsurance and direct company capacity is difficult. That is why it is important to understand the key underwriting terminology and concepts associated with large cases. Automatic Binding Limit: Capacity Jumbo Limit: The largest amount of insurance that can be ceded to a reinsurer, or in the case of a reinsurance pool, to all reinsurers in the pool, without sending the case to reinsurance for underwriting. The amount of life insurance volume available, either from a direct company or a reinsurance company, on a single insured life. The maximum ultimate total line of life insurance on a single life that a company can accept without shopping a case facultatively. Ultimate total line is the total amount of all life insurance inforce and applied for with all companies, without regard for the intent to place or replace. Facultative: Lead Underwriter: Reinsurance: Retention: Shopping Cases: Cases that must be underwritten by one or more reinsurance companies are called facultative cases. Whenever a direct company exceeds either its automatic limit or its jumbo limit, it must shop the case facultatively for reinsurance approval. When the desired capacity of life insurance is so large that it will require a cooperative effort of several companies to fill that line, one company is often chosen as the coordinator for seeking maximum coverage available in the reinsurance market. That company is often called the lead underwriter, or lead carrier. The process whereby one company (the reinsurer) agrees to indemnify another company (the ceding company) against all or a part of the loss the ceding company may incur under insurance policies it has issued. The maximum amount of coverage a company will keep on any insured life. Shopping is the process of making applications to multiple companies, when the intent is to only place the best offer from one. Indiscriminate and unmanaged shopping of an application may complicate and slow the underwriting process down, and tie up the reinsurance market, which may result in obtaining lower than desired levels of coverage for your clients. Prudential offers some of the highest retention and capacity limits in the industry and has facultative relationships for those cases that exceed our $65 million capacity. Add in Prudential's Rock Solid ratings and our expertise in getting large cases placed and next time you have a client with a large case you need to Think PRU first! This marketing material is subject to an expiration date and use of this material must be discontinued as of the expiration date. FOR INTERNAL USE ONLY. NOT FOR USE WITH THE PUBLIC. IFS-A Ed. 09/2008 Exp. 03/ The Prudential Insurance Company of America 751 Broad Street, Newark, NJ

9 THREE REASONS TO THINK PRU FOR YOUR NEXT LARGE CASE Turn to The Rock and Let Us Do the Heavy Lifting! Got a large case client? Wondering if you should quote Pru? You should! Here are three reasons why you need to Think Pru for all of your large case clients: Pru Offers Some of the Industry s Highest Retention & Capacity Limits Retention Limits - $30 million on fully underwritten single life UL/VUL policies and $35 million on fully underwritten second-to-die life policies.* Capacity Limits - $65 million on single life and second-to-die life policies. For cases that exceed $65 million, Pru has facultative relationships. Competitive Underwriting Pru offers very competitive rates for your large case clients who: have medical impairments and/or build issues, are commercial or student pilots, smoke cigars/pipes and/or use smokeless tobacco, and scuba dive. Strength & Expertise When you work with Pru you are working with a time-tested company your clients know and trust. We offer expertise and a proven track record in getting large cases successfully placed! Check out our Large Case Kit (NR ) currently available on to learn more! *Maximum retention on Term Essential is $10 million if the case does not qualify for automatic reinsurance. This material is designed to provide general information in regard to the subject matter covered. It should be used with the understanding that we are not rendering legal, accounting or tax advice. Such services should be provided by the client s own advisor. Accordingly, any information in this document cannot be used by any taxpayer for purposes of avoiding penalties under the Internal Revenue Code. Securities and Insurance Products: Not Insured by FDIC or any Federal Government Agency May Lose Value Not a Deposit of or Guaranteed by any Bank or Bank Affiliate Term Essential is issued by Pruco Life Insurance Company in all states except New York, where it is issued by Pruco Life Insurance Company of New Jersey. Both are Prudential Financial companies located in Newark, NJ. All products, benefits, and features may not be available in all states. This marketing material is subject to an expiration date, and use of this material must be discontinued as of the expiration date. FOR INTERNAL USE ONLY. NOT FOR USE WITH THE PUBLIC The Prudential Insurance Company of America 751 Broad Street, Newark, NJ Ed.07/09 Exp.12//10

10 $$ Financial Profiles Ten Tips: Financial Underwriting in the Business Market Packaging your business cases from a financial underwriting perspective is critical to you and your client s success. Here are ten tips that can help you position your case to win: 1. Think Like an Underwriter. Assume the underwriter s perspective. Is this a good risk for the company? Is there a clear insurable interest? How was the amount of insurance determined? Is this a case of over-insurance? Can the client afford future premiums? 2. Provide a Company Profile. Make certain that your cover letter tells the whole business story. Give a clear picture of the tax structure of the business; the owners and their percentage ownership; and include a short narrative of the history of the business and its owners. An easy way to find this information is to visit the company s web site. 3. Be Consistent. The application, cover letter, and supporting data should all tell the same story. Conflicting statements and numbers need to be explained. Build your strengths but don t hide the negatives explain them. 4. Provide a Clear Statement of the Life Insurance Purpose(s). In the business market, the life insurance sale generally falls within one of four basic uses: key person coverage, buy-sell arrangements, business loan protection, or executive benefits. Clearly, identify the business purpose that the life insurance policy will serve. Remember, there can be more than one need. Be careful that the ownership/beneficiary structure you propose matches the typical format for the business need you are funding (e.g., for key person coverage, the business generally is the owner and beneficiary of the policy.) 5. Know Prudential s Underwriting Guidelines. The starting point for any case is a clear understanding of the parameters that will be applied to a particular situation. Familiarize yourself with Prudential s underwriting guidelines: IFS-A078363: Financial Underwriting Guidelines IFS-A000068: Financial Underwriting Highlighter If you are outside of these guidelines, realize that you will have to add additional supporting facts to win your case. 6. Use the Internet. If additional supporting data is needed, don t hesitate to use the Internet to search for information on the business, its owners, the industry outlook, UCC (Uniform Commercial Code) debt filing, etc. This training material has been prepared to assist our licensed financial professionals. It is designed to provide general information in regard to the subject matter covered. It should be used with the understanding that Prudential is not rendering legal, accounting or tax advice. Such services should be provided by the client s own advisors. Accordingly, any information in this document cannot be used by any taxpayer for purposes of avoiding penalties under the Internal Revenue Code. Not Insured by FDIC or Any Federal Government Agency. May Lose Value. Not a Deposit of or Guaranteed by the Bank or Any Bank Affiliate. Prudential, Prudential Financial, the Rock logo, and the Rock Prudential logo are registered service marks of The Prudential Insurance Company of America and its affiliates. FOR INTERNAL USE ONLY. NOT FOR USE WITH THE PUBLIC 2008 The Prudential Insurance Company of America 751 Broad Street, Newark, NJ IFS-A Ed. 10/08 Exp. 10/10

11 7. Key Person Coverage. The face amount is generally based on a multiple of salary. Make certain you include total compensation not just W2 income (e.g., bonus, car allowances or other employee perks, options, deferred compensation, distributions from partnerships or LLCs). Coverage in the range of 5-7 times compensation is normal. If a larger amount is needed, build your case. Is the insured a Star? Past successes are important. Give us a reason to see why this person is so important that the guidelines should be stretched. Remember, what is really being valued is the loss to the business, and that may not always be reflected by the key person s compensation. There may be executive search costs, lost sales during transition, loss of credit lines, etc. 8. Buy-Sell Arrangements. The fair market value (FMV) of the business is the key to determining the face amounts that can be issued. Capitalize the average (or weighted average) of multiple years earnings (adjusted net income) to derive an estimate of the company s fair market value as a going concern. The capitalization rate for most closely held businesses ranges from 10-15%. That translates into an income multiplier of If you are asking for coverage in excess of the above multiples, build your case. 9. Business Loan Protection. The amount and terms of the loan are key to determining the face amount that can be issued. Documentation of the terms of the loan and the amount of debt remaining is needed. If debt is a line of credit, what is the average outstanding debt on this agreement for the last 2-3 years? Underwriters consider the length of the loan as related to the term of the policy. Underwriters generally will cover only a percentage of the outstanding debt. 10. Does It Make Sense? Learn to think like an underwriter. Anticipate the underwriter s questions and be prepared to provide answers. Above all, as you proceed through the underwriting process, keep asking yourself at each step, Does it make sense? 2

12 RETENTION LIMITS SINGLE LIFE NON-SMOKERS Issue No Substandard Rating Class A-B Rating Class C-D Rating Class E Age Rating or Higher ,000,000 25,000,000 25,000,000 15,000, ,000,000 20,000,000 20,000,000 13,000, ,000,000 12,000,000 12,000,000 10,000, ,000,000 10,000,000 10,000,000 7,000, ,000,000 7,000,000 7,000,000 None ,000,000 3,000,000 None None SINGLE LIFE SMOKERS Issue No Substandard Rating Class A-B Rating Class C-D Rating Class E Age Rating or Higher ,000,000 20,000,000 20,000,000 15,000, ,000,000 15,000,000 15,000,000 12,000, ,000,000 10,000,000 10,000,000 10,000, ,000,000 10,000,000 10,000,000 6,000, ,000,000 6,000,000 6,000,000 None ,000,000 2,000,000 None None SURVIVORSHIP WITH NON-SMOKERS HIGHEST RATING CLASS Oldest No Substandard A-D E-H I or Higher Issue Age Rating ,000,000 25,000,000 17,000,000 13,000, ,000,000 20,000,000 14,000,000 11,000, ,000,000 12,000,000 10,000,000 7,000, ,000,000 10,000,000 7,000,000 4,000, * 9,000,000 7,000,000 5,000,000 3,000, * 4,000,000 3,000,000 3,000,000 2,000,000 * Maximum available rating class for the healthier life at ages is Class D, Class B for ages This marketing material includes an expiration date and use of this material must be discontinued as of the expiration date. Prudential, Prudential Financial, the Rock Logo, and the Rock Prudential Logo are registered service marks of The Prudential Insurance Company of America, Newark, NJ, and its affiliates. FOR INTERNAL USE ONLY. NOT FOR USE WITH THE PUBLIC The Prudential Insurance Company of America 751 Broad Street, Newark, NJ Ed. 09/09 Exp. 03/11

13 SURVIVORSHIP WITH ONE SMOKER HIGHEST RATING CLASS Oldest No Substandard A-D E-H I or Higher Issue Age Rating ,000,000 25,000,000 15,000,000 12,000, ,000,000 20,000,000 13,000,000 8,000, ,000,000 12,000,000 10,000,000 5,000, ,000,000 10,000,000 7,000,000 3,000, * 9,000,000 7,000,000 5,000,000 2,000, * 4,000,000 3,000,000 2,000,000 2,000,000 SURVIVORSHIP WITH TWO SMOKERS HIGHEST RATING CLASS Oldest No Substandard A-D E-H I or Higher Issue Age Rating ,000,000 20,000,000 15,000,000 7,000, ,000,000 15,000,000 12,000,000 5,000, ,000,000 10,000,000 10,000,000 4,000, ,000,000 10,000,000 6,000,000 3,000, * 7,000,000 6,000,000 4,000,000 2,000, * 3,000,000 2,000,000 2,000,000 2,000,000 * Maximum available rating class for the healthier life at ages is Class D, Class B for ages Notes: Maximum retention on Term Essential is $10 million if the case does not qualify for automatic reinsurance. Efforts will be made to utilize available reinsurance in all cases. Use of full Prudential retention is available only as determined by a Prudential underwriter. You must receive approval from an underwriter prior to committing to full retention. Amounts available are subject to underwriting, and may be reduced based on other in-force or applied for policies. Limits may be graded down for celebrities, sport figures, private pilots, non-us residents, foreign travel and juveniles. Insurance issued by The Prudential Insurance Company of America, Pruco Life Insurance Company (not in NY) and Pruco Life Insurance Company of New Jersey (NY and NJ only). All are Prudential Financial companies located in Newark, NJ. Contact [Your Regional Brokerage Director] For More Information. FOR INTERNAL USE ONLY. NOT FOR USE WITH THE PUBLIC.

14 H I G H L I G H T E R FINANCIAL UNDERWRITING GUIDELINES Purpose Personal Insurance (Income Replacement) for insureds with dependents General Underwriting Guidelines Individuals that are married or with dependents AGES INCOME FACTOR AMOUNT OF INS. To 40 $ X s 35 = $ $ X s 25 = $ $ X s 20 = $ $ X s 10 = $ $ X s 5 = $ Recommended Documentation 4 Needs analysis whenever the amount applied for plus inforce exceeds the guidelines in the table. 4 Copies of documents used in life insurance sales process (i.e. product illustration, etc.) Cover Letter 4 Details of insurance inforce and the amount applied for 4 Details and breakdown of earned and unearned income Estate Settlement Costs 4 Estate liquidity needs projected 8-10 years at reasonable rate of growth (approximately 6%). 4 More aggressive projections can be considered on an individual basis if supported by valid financial documentation. 4 Estate planning analysis and relevant supporting documents including financial statements. 4 Copies of documents used in life insurance sales process (i.e. product illustration, etc.) 4 Details of insurance inforce and the amount applied for 4 Indicate who initiated purchase of insurance 4 Financial advisers who have been consulted (names and phone numbers) Income in Respect of a Decedent 4 Estate liquidity needs projected 8-10 years at reasonable rate of growth (approximately 6%). 4 More aggressive projections can be considered on an individual basis if supported by valid financial documentation. 4 Equal to projected income taxes 4 Estate planning analysis and relevant supporting documents including financial statements 4 Copies of documents used in life insurance sales process (i.e. product illustration, etc.) 4 Check the Other box and indicate Income in Respect of a Decedent in the Purpose of Insurance section of the Worksheet or Client Information Form. Details on: 4 the need for the coverage and how it was determined; 4 the current value of the IRA/annuity and documentation of how assets will grow; 4 how the plan is expected to work (premiums from regular income, minimum distribution, etc.); 4 current income, liquid net worth and net worth. Debt Repayment (Business) 4 Equal to non-collateralized portion of loan up to 70% of the loan amount. 4 Details of loan amount (term, interest rate, amount, monthly payments) 4 Business financial statements 4 Copies of documents used in life insurance sales process (i.e. product illustration, etc.) 4 Details of insurance inforce and the amount applied for 4 Reason for loan; use planned for proceeds; identity of lender and owners; status of loan (approved or pending) 4 Explanation of why the proposed insured is key to the debt repayment FOR THE EDUCATION OF PRODUCERS/BROKERS. NOT FOR USE WITH THE PUBLIC.

15 F I N A N C I A L U N D E R W R I T I N G G U I D E L I N E S Purpose General Underwriting Guidelines Recommended Documentation Cover Letter Debt Repayment (Personal) 4 100% of personal home mortgage protection is usually acceptable 4 Details of loan amount (term, interest rate, amount, monthly payments) 4 Copies of documents used in life insurance sales process (i.e. product illustration, etc.) 4 Details of insurance inforce and the amount applied for 4 Reason for loan; use planned for proceeds; identity of lender and owners; status of loan (approved or pending) Charitable Donation 4 Based on past contribution history 4 Personal insurance needs have been satisfied 4 Contribution records 4 Copies of documents used in life insurance sales process (i.e. product illustration, etc.) 4 Details of past associations with charity 4 Details of personal/family insurance 4 Full description of charity, if not well known, and tax exempt number 4 Reason for purchase 4 Survivor needs analysis 4 Existing life insurance coverage Charitable Trust/ Asset 4 Fair Market Value of Contributed Assets 4 Details of Charitable Trust Document 4 Personal Financial Statement 4 Copies of documents used in life insurance sales process (i.e. sales illustrations, etc.) 4 Details of personal/family insurance 4 Full description of charity, if not well known 4 Income tax basis of contributed assets 4 Description of property and its value New Corporations (Venture Capital) Investment Replacement 4 Key person value 4 Should be a business or personal owner and beneficiary, with policy collaterally assigned to the extent of investor s interest 4 Business Financial Statements, if available 4 Copy of prospectus, including business plan and pro forma report 4 Copies of documents used in life insurance sales process (i.e. product illustration, etc.) Identity of investors 4 Any information relevant to investments Buy-Sell 4 Liability created under the buy-sell agreement 4 All co-shareholders/partners should participate in the funding of the agreement 4 Details of Buy-Sell Agreement and Addendum 4 Business Financial statements 4 Copies of documents used in life insurance sales process (i.e. product illustration, etc.) 4 Details of ownership 4 Details of other owner s insurance 4 Status of agreement Key Person* 4 Five to ten times annual compensation 4 More may be considered depending on economic value to the company 4 Proof of total compensation 4 Employment Contract 4 Copies of documents used in life insurance sales process (i.e. product illustration, etc.) 4 Details of coverage on other key employees 4 Description of why this is a key person *Refer to the Financial Underwriting Highlighter for specific information on requirements for Key Person in New York. Life insurance issued by The Prudential Insurance Company of America, Newark, NJ, and its affiliates The Prudential Insurance Company of America 751 Broad Street, Newark, NJ ALL RIGHTS RESERVED Ed. 10/2009 Exp. 04/2011 FOR THE EDUCATION OF PRODUCERS/BROKERS. NOT FOR USE WITH THE PUBLIC.