Life insurance can help you take care of your family s future. LIFE INSURANCE FOR WOMEN OVERVIEW IFS-A IFS-A077912

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1 Life insurance can help you take care of your family s future. LIFE INSURANCE FOR WOMEN QUICK OVERVIEW QUOTES OVERVIEW IFS-A IFS-A077912

2 YOU RE EVERYTHING TO THEM Taking care of your family is what you do. You carpool, negotiate, cook, advise, nurture, balance, and support. What happens if you re no longer there to do these things for your family? Will your child be able to attend college? Will your family be able to remain in the home you ve worked so hard to provide? That s where life insurance can help. Life insurance isn t for you; it s for them. And life insurance from The Prudential Insurance Company of America and its affiliates can help you take care of them as they deserve.

3 Take Care. Take Control. If you were to take stock of everything you do for your family, all you plan to do for them, and all the ways you color their lives, you would realize just how much you mean to them. And how much they need you. There are many ways that life insurance can help you ensure that your family will be taken care of and let you continue to be part of their future. It can help provide the money they ll need to: Pay others to take care of tasks that you routinely do now. Pay everyday expenses, maintain the lifestyle you ve created for them, and achieve the dreams you ve forged together. Pay off a mortgage so they can keep their home. Realize the dream of a college education. Ensure your estate remains intact. Enhance their retirement income. Afford to take some time off to sort things out. Log onto for: an estimate of the financial value of all you do answers to your basic insurance questions an estimate of the amount of life insurance you need free no-obligation life insurance quotes

4 Putting a Value on What You Do Consider how your family would get by without you. The pain of losing you would be hard enough, and then they would have to try to go on, try to maintain their lifestyle, and try to make things still work. Have you ever taken stock of all the things you do every day? Caring for children or an ill or elderly relative, scheduling repairs, keeping the house in order, managing the household budget and the list goes on. It s likely that your family would have to pay someone else to do some of these things, and the costs can add up quickly: Child or elder care (approximately 50 hrs. per week) $450 House Cleaning (approximately 10 hrs. per week) $ 80 Meal Preparation (approximately 10 hrs. per week) $120 Driving (approximately 9 hrs. per week) $ 81 Bookkeeping (approximately 2 hrs. per week) $ 24 $755/week* *Based on weekly national averages from The Value of a Homemaker What is a HomemakerWorth? The Shocking Truth, MSN Money, These roles can add up to nearly $40,000 a year. Over the course of 15 or 20 years, that cost could total as much as a million dollars and that doesn't even include any income you earn. With an appropriate amount of life insurance, you can help to ensure that those who rely on you will be able to pay someone else to take on some of those important tasks and maintain some normalcy in their lives. Maintaining their Standard of Living You work hard to help your family have a comfortable life. What might happen to that standard of living if something were to happen to you? The death benefit from a life insurance policy can help them pay bills and afford everyday expenses so life as they know it can go on. This can also keep them from having to spend down your hard-earned assets or tap into college or retirement savings to live day-to-day. Keeping Your Home It would be a relief to know you took steps to help ensure that your home will remain in your family s hands should something unexpected happen to you. But, did you know that your mortgage could get called when one of the signers dies? A term life insurance policy, purchased for the same length of time as your mortgage (10, 15, 20, 30 years), may be a cost-effective way to help make sure that your home is not lost upon your death. Sending Them to College Figuring this goal into the amount of life insurance you buy can help to ensure that your family will have the money needed to let this dream live on. It can help not only make sure that your children can afford college but also prevent your family from having to use funds earmarked for other purposes to pay education costs. Supplementing Retirement Income If it should turn out that your spouse will retire alone, the life insurance policy s death benefit can help to make things more comfortable for him. It can help replace some of the pension or other benefits you would otherwise have contributed. And, if you get to enjoy retirement together, a permanent policy can serve another purpose: Although the main reason for buying life insurance is its death benefit, permanent insurance may provide the opportunity to take loans and/or withdrawals from its cash value. This can be a convenient way to supplement your retirement income should you need it. 1 1 Life insurance policy cash values are accessed through policy loans and withdrawals. Loans are at interest. Unpaid loans and withdrawals cause a reduction in cash values and death benefits. In general, loans are not taxable, but withdrawals are taxable to the extent they exceed basis in the contract. Loans outstanding at policy lapse or surrender prior to the death of the insured will cause immediate taxation to the extent of gain in the contract. For policies that are modified endowment contracts, distributions (including loans) are taxable to the extent of income in the contract, and an additional 10% federal income tax penalty may apply. You may wish to consult your tax advisor for advice regarding your particular situation.

5 Paying Estate Taxes Preparing for taxes due on your estate upon your death will make all the difference when the time comes. If you have an appropriate amount of life insurance to pay any taxes on your estate and any last expenses, chances are your estate will end up in the hands you want it to. And your family will not have to spend down other assets or savings to pay these expenses. Get the Information You Need Chances are you ve already done the research, or at least have begun to. If you haven t or if you would like more information from a source you can trust, visit our website, There, you can find out what you need and access helpful tools and calculators. Knowing vs. Deciding Knowing that you need life insurance is one thing, but making the decision to buy it is something entirely different. Knowing that you need it won t provide an income for your children or keep a roof over their heads. That takes action. Fortunately, we can help you take the next step. We have trained and licensed financial professionals who will ask the right questions and listen to your answers to find out what s really important to you, help you identify your financial goals, and help you choose the products that are right for you. This can help you feel confident in whatever you decide. If you don t already have a local Prudential financial professional, it s easy to find one using the Find an Agent button on Decide on Prudential Financial Prudential Financial is one of the world s largest financial services companies with a history of over 125 years. Today, the Prudential Financial family of companies meets the insurance and financial security needs of millions of individual and institutional customers worldwide.

6 Membership promotes ethical market conduct for individual life insurance, long-term care and annuities. Life insurance policies contain exclusions, limitations, reductions of benefits and terms for keeping them in force. Your licensed financial professional can provide you with costs and complete details. Variable life insurance is issued by Pruco Securities, LLC, 751 Broad Street, Newark, NJ ( ) Life insurance policies are issued by The Prudential Insurance Company of America and its affiliates. All are Prudential Financial companies. Each is solely responsible for its own financial condition and contractual obligations. Prudential Financial and the Rock logo are registered service marks of The Prudential Insurance Company of America and its affiliates The Prudential Insurance Company of America 751 Broad Street, Newark, NJ ALL RIGHTS RESERVED IFS-A Ed. 03/2006